• Business lines
• 
• Corporate banking
• 

Corporate banking

Since its inception in 1992, ROSBANK has been focusing on corporate banking as its core business. The number of corporate clients had been growing steadily and by end-2004 had reached about 14,000 customers. In the course of 2005, the total number of clients grew dramatically to exceed 52,500 companies, largely owing to the integration of OVK banks, whose corporate customer base was mainly comprised of small and medium sized enterprises (SME).

Approximately 19% of ROSBANK’s corporate clients are located in the Moscow region and the remainder are the branches’ clientele spread across the Russian Federation. The most significant customer base has been formed in Central Russia, Siberia and Far East region. The overall geographical coverage of ROSBANK’s activities comprises a substantial area from St. Petersburg to Yuzhno-Sakhalinsk.

The corporate clientele consists of a variety of large and mid-sized companies and includes many flagships of the national economy. Regional and municipal governments also comprise an important part of the Bank’s wholesale customer base. Another large and dynamic client group is formed by SME’s which account for over 70% of the total number of corporate clients.

The sector distribution of ROSBANK's corporate clientele is developing over time, resulting in better diversification across various industries. Currently, in terms of business volumes, the most important industries are considered ferrous/non-ferrous metals, machinery/engineering and oil/gas. However, ROSBANK does not give preference to any particular economic sector and seeks to attract sound companies from all industries. In particular, ROSBANK is targeting fast growing segments such as telecommunications, services and retail trade, which are now increasing in importance.

The product mix offered to corporate customers includes

• various types of loans,
• accounts in Roubles and foreign currencies,
• payments and settlements,
• trade finance services, including guarantees, letters of credit, factoring, pre-and post-financing facilities
• a range of deposit products,
• payroll services,
• operations with precious metals,
• foreign exchange and securities trading,
• custody services,
• asset management.

The Bank aims to continue developing its corporate banking business by expanding its range of products and increasing product quality and competitiveness. The key steps in this process will include enhancing of investment banking services and creating further credit and other banking products for SMEs.