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Societe Generale Group Chief Country Officer for Russia Didier Hauguel comments on SG Russia financial results in Q4 2015

The contribution of SG Russia (Rosbank, Delta Credit Bank, Rusfinance Bank, Societe Generale Insurance, ALD Automotive) to Societe Generale activity has significantly improved in H2 2015 vs H1 2015. Net Banking Income increased by +28%* vs H1 2015, mainly in Rosbank (+62% vs H1 2015) thanks to improving margins and higher loan production. SG Russia also maintained a strict cost control during H2 2015, down by -5%* vs H1 2015. On a full year basis operating expenses of SG Russia were stable* vs 2014, despite a 13% inflation rate.

Credit outstandings increased by +3%* vs H1 2015 driven by the corporate segment: corporate loan outstanding grew by +21%* vs H1 2015, thanks to a very good performance in corporate production (+47% vs 2014) with successful development on Tier-One corporates in line with the Bank’s commercial strategy. On the retail segment: progressive normalization of retail loan production with a rebound in car loans and mortgage loans thanks to State subsidies programs, as a result SG Russia ranked 3rd at the Russian market by retail loan portfolio.

During 2015 Rosbank has successfully completed the transfer of its mortgage business and car loan business at dealers throughout Russia to its specialized subsidiaries DeltaCredit Bank and Rusfinance Bank, respectively. Rosbank will continue focusing on daily banking services, deposits collection and customer satisfaction in retail segment. SG Group will continue mobilizing synergies in order to achieve greater operating efficiency in Russia.

SG Russia USD mortgage portfolio further decreased by -36% in 2015 due to implementation of a special program to convert USD mortgage loans into RUB which proved to be very successful.

Rosbank and its affiliates fully meet the regulatory requirements including the higher ones on capital and liquidity. Solvency ratios (N1) as of end-2015: Rosbank at 15.3%, Rusfinance Bank at 15.8% and DeltaCredit Bank at 10.6% (vs.10% regulatory minimum as of end-2015, which has been lowered to 8% starting January 2016). Rosbank holds solid liquidity position with L/D ratio at 84% as of end-2015.

SG Russia banks have the highest ratings among the Russian financial institutions, having allowed to raise RUB 66bn on the Russian bond market in 2015. Rosbank, Rusfinance Bank and DeltaCredit Bank remain among the strongest credits in Russia.

The important fact for our customers in 2015 was the confirmation by the Central Bank of Russia of Rosbank’s position in list of 10 systemically important banks (SIBs), indicating its high level of financial reliability and soundness.


*All percentages are calculated on a like-for-like basis.


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