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Bank Uralsib is a universal bank with a wide regional network that grew out of a Bashkir bank and went through a financial rehabilitation procedure. Today it serves both households and corporate clients across the country. Its shares trade on the Moscow Exchange under the ticker USBN.
The bank runs on the classic universal model: it takes deposits, lends to households and companies, and handles payments and settlements. Its earnings come from the interest margin and from fees and commissions.
A separate chapter of its history is the resolution. This is the name for the financial rehabilitation of a bank, in which the state or an investor puts in funds so that the bank keeps operating instead of having its licence revoked. For a depositor it means uninterrupted service; for a shareholder it means a period of many years when profit goes to rebuilding capital rather than to dividends.
The regional network inherited from the former structure gives the bank a presence in places where federal banks are few, but maintaining it also costs money.
Loans, cards and deposits for households through the regional network.
Lending and payment and settlement services for companies.
Financing of machinery and equipment for businesses.
Strengths and weaknesses describe the business itself. Opportunities and threats describe what may happen around it.
It is a universal bank: it takes deposits, lends to households and companies, handles payments and settlements, and provides leasing services through a network of branches in various regions.
It is financial rehabilitation: instead of the licence being revoked, funds from the state or an investor are put into the bank so that it keeps operating. Depositors are served without interruption throughout, while the bank's profit goes to rebuilding capital for years.
Because they are trusted more and people bring them money more readily, which means they can offer a lower rate on deposits. A smaller bank has to pay the depositor more, and its interest margin at the same lending rates turns out to be narrower.