RosDor Bank

RosDor Bank

MMOEX:RDRB
99.40
RUB
-0.40
(-0.40%)
15.79P/E
2008 Y
2009 Y
2010 Y
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
TTM
Revenue per Share
60.65
72.53
55.54
66.06
82.21
75.8
81.94
89.84
101.13
96.59
87.45
106.38
90.92
74.79
Basic EPS, GAAP
-3.67
14.82
7.3
-6.88
5.34
7.42
7.23
12.43
0.24
23.22
20.35
14.25
15.36
14.19
Free Cash Flow per Basic Share
52.11
-53.07
73.92
73.3
68.63
-25.49
252.93
-152.68
-21.77
-124.49
-72.05
246.45
11.71
221.96
Dividend per Share
0.02
0.01
0.01
4.47
0.05
1
7.44
7.49
10.12
4.66
12.83
9.12
6.39
- -
Book Value per Share
114.3
129.11
136.39
125
138.27
144.65
144.47
155.5
133.3
158.88
145.44
155.9
164.07
164.2
Tangible Book Value per Share
114.3
129.11
136.39
125
138.27
144.63
144.45
154.16
130.74
155.83
142.39
153.59
161.03
160.16
Basic Weighted Avg Shares
10
10
10
10
10
10
10
9
10
11
11
11
16
16
Sales/Revenue/Turnover
584
698
535
636
792
730
789
833
1,019
1,053
953
1,189
1,451
1,164
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
22
23
25
29
33
- -
- -
9
11
13
50
95
92
66
Net Income, GAAP
-35
143
70
-66
51
72
70
115
3
253
222
159
245
221
Effective Tax Rate (%)
- -
23.13
3.28
- -
48.93
39.63
39.74
14.57
94.75
13.19
12.32
23.18
25.08
29.56
Profit Margin (%)
-6.05
20.43
13.15
-10.41
6.5
9.8
8.82
13.85
0.25
24.05
23.28
13.41
16.9
18.97
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
985
813
2,386
1,443
1,193
993
1,154
609
505
745
1,570
1,371
4,509
2,144
Total Equity
1,100
1,243
1,314
1,204
1,332
1,393
1,391
1,443
1,550
1,746
1,593
2,495
2,626
2,491
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-3.5
12.18
5.5
-5.26
4.05
5.24
5
8.13
0.16
15.38
13.32
7.82
9.6
8.84

Capital Structure

RUB

•

in mil. unless spec.
Mar'21
Jun'21
Sep'21
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
2
Shares Outstanding
16
15
15
Market Capitalization
3,766
3,426
3,395

Working Capital

RUB

•

in mil. unless spec.
Mar'21
Jun'21
Sep'21
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,684
2,376
2,205
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

RUB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.36%
14.63%
5.23%
Free Cash Flow
-154.66%
-30.42%
-93.22%
Net Income, GAAP
942.85%
1,939.72%
53.81%
Sales/Revenue/Turnover
11.22%
12.6%
22.02%
Total Cash Common Dividend
4,477.49%
29.1%
0.1%

Quarterly Revenue

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
366
249
296
344
1,189
2020
319
304
- -
417
1,451
2021
334
412
- -
- -
- -

Quarterly Earnings Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
-1.37
6.55
- -
- -
14.25
2020
0.94
0.25
- -
- -
15.36
2021
0.32
6.59
- -
- -
- -

Quarterly Dividends Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
- -
- -
- -
- -
9.12
2020
- -
- -
- -
- -
6.39
2021
- -
- -
- -
- -
- -

Company Description

CEO
Gleb Yurievich Gurin
Full Time Employees
265
Sector
Finance
Industry
Major banks
Address
86, Dubininskaya Street Moscow MC Russian Federation 115093
IPO Date
Nov 1, 2013
Website
rdb.ru
Business
The Russian Public Joint-Stock Commercial Roads Bank Russian Public Joint-Stock Commercial Roads Bank (Public joint-stock company) (RDRB.ME), operating as RosDorBank, is a regional commercial bank headquartered at 86 Dubininskaya Street, Moscow, Russia, founded in 1991. The bank provides a comprehensive range of financial services to corporate and individual clients across Russia, with branches including those in Krasnodar and Saint Petersburg; its corporate offerings encompass loans, project financing, payroll projects, leasing, cash management, settlement services, foreign trade support, trade finance, bank-client systems, collection, depository services, factoring, overdrafts, credit lines, bill of exchange loans, and online banking, while individual products include deposits, consumer loans, credit and debit cards, safe deposit boxes, securities brokerage, conversion operations, and transfers without account opening. RosDorBank primarily serves sectors such as the road industry, farming, transportation, industrial and housing construction, building materials, trade organizations, and the military-industrial complex, participating actively in Russia's economic development and strategic national projects through infrastructure financing in line with international standards. In recent developments, RosDorBank strengthened its market position amid tight monetary policy in 2024 by expanding its corporate lending portfolio to a record 23.9 billion rubles as of mid-2025, up 9.3% year-to-date, attracting new large clients from Russia's top-500 businesses while growing liabilities from both corporate and retail clients. The bank reported record net profit of 725.33 million rubles for 2024, a 34% increase from 2023, leading to approval of unprecedented dividends of 16.40 rubles per ordinary share in July 2025, representing 62% of net profit and exceeding its 25% policy minimum, with payments completed by September 2025; this milestone earned it status as a dividend aristocrat through consistent and growing payouts over multiple years. Under Strategy 2025, RosDorBank prioritizes enhancing industry competencies, client relationships, and technological solutions to elevate its competitive standing, supported by strong ratings from leading agencies reflecting financial stability.