Rusfinance Bank
TIN 5012003647, PSRN 1026300001991, LEI 549300LCJJGCU17UZ036

Rusfinance Bank is one of Russia’s top players on consumer finance market that offers the full spectrum of services in its segment:

•         Car finance

•         POS finance

•         Revolving cards

•         Cash loans

Rusfinance Bank is presented in 66 regions (in which 136 credit-cash offices and 2 additional offices). The bank operates a developed partner network – about 28 000 active points of sale (retail chains and car dealers) in 2017.

Rusfinance Bank is assigned one of the highest credit ratings among its peers:

•         FitchRatings: BBB-/Positive

•         Moody’s Investors Service: Ba2 for Long Term Bank Deposits (Foreign) / Ba1 for Long Term Bank Deposits (Domestic)/Stable

•         ACRA: AAA(RU)/Stable

The sole participant of Rusfinance Bank is "Rosbank" (OJSC JSCB). Rusfinance Bank is a member of Rosbank Group whose shareholder Societe Generale group is one of the largest financial groups in the euro area.

Rusfinance Bank is closely integrated into Rosbank Group that benefits its funding and liquidity profiles. Rosbank Group provides Rusfinance with strong capitalization. The capital adequacy ratio amounts to 13.4% (Н1.0), 13.3% (Н1.1) and 13.3% (Н1.2) according to the Bank of Russia methodology and to the principles of "Basel III" committee as of 31.12.2017.

Rusfinance Bank is the third largest bank in Car finance in 2017 being behind state banks: Setelem and VTB24 (source: Frank Research Group, 12M2017). Car loans (loans secured by a pledge of cars) account for 77% of its Retail Portfolio which renders it more reliable from the standpoint of Credit risk management.

Rusfinance Bank is a Top 6 bank in POS finance (source: Frank Research Group, 12M2017).                

Financial performance