Key Investment Highlights

RusAg is a systemically important bank and one of the largest and most reliable financial institutions in Russia


Key Investment Highlights

One of the largest universal commercial banks in Russia (among TOP-5)
Nationwide branch network with 64 branches and over 1,300 additional offices, among Top-3 largest branch networks of russian banks. Broad customer base comprising ca. 7 million clients
Credit ratings: AAA, outlook stable, by Lianhe Ratings (China Lianhe Credit Rating), AA+.ru, outlook stable, by NCR (National Credit Ratings) and AA(RU), outlook stable, by ACRA (Analytical Credit Rating Agency)
Diversified loan portfolio, reduced concentration risk
Leading position (market share) among Russian financial institutions in terms of lending to agribusiness and seasonal works financing
Key participant in the implementation of the State Program on Agribusiness Development 2013-2025 and other national programs to support priority sectors and segments of the economy
Extensive knowledge of agribusiness and related subsectors
Strong and experienced management team


Ratios*



Q1 2025


CET1 Ratio (N1.1)

7.0%


Tier1 Ratio (N1.2)

8.2%


Capital Adequacy Ratio (N1.0)

12.4%



* Calculated under Basel III and Bank of Russia requirements



Key Financial Highlights



USD billion


Loans and advances to customers (before provisions)

50.2


Total assets

64.6


Customer accounts

49.1


Subordinated debts

2.3


Total liabilities

60.5


Total equity

4.1


Profit/(Loss) for the year

0.2


CIR

51.0%


LTD

102.0%



Source: Summary Consolidated IFRS Financial Statements as of

31st of March 2025

Bank of Russia RUB/USD exchange rate as of 31st of March 2025 = 83.7