Russian Agricultural Bank

What Russian Agricultural Bank does

Russian Agricultural Bank (Rosselkhozbank, RSHB; legal name: Акционерное общество «Российский Сельскохозяйственный банк») is a 100% state-owned Joint Stock Company headquartered in Moscow, established in 2000 under Bank of Russia General License No. 3349 to finance Russia's agro-industrial complex and rural economy. Despite its sectoral mandate, RSHB operates as a universal commercial bank delivering the full banking stack: retail deposits (Svoy Vklad up to 13.3% p.a., Moy Schyot up to 13%), cards (Svoya Card Plus with up to 15% cashback), consumer and mortgage lending (up to RUB 60 million / 30 years, agricultural mortgage from 0.1%), and investment, insurance, and brokerage products; SMB and agribusiness settlement, acquiring (including SoftPOS and SBP QR from 0.2%), subsidized business loans, VED (foreign economic activity), leasing, factoring, and salary projects; and correspondent and documentary services for credit institutions. Distribution is dual-channel — a nationwide regional branch and agro-office network plus digital-first channels (online.rshb.ru mobile banking, Gosuslugi biometric onboarding, contact center 7787 / 8-800-100-0-100).

The bank's distinguishing strategic asset is the proprietary 'Svoyo' (Svoe) digital ecosystem, a multi-vertical platform that combines B2B agricultural marketplace Svoe Fermerstvo (8M+ goods, 16,000+ suppliers, 5M+ users) with B2C farm-to-consumer marketplace Svoe Rodnoye (300,000+ products from 9,000+ farmers), rural housing Svoe Selo (10,000+ contractors, construction calculator), real estate Svoe Zhilye, agro-careers Ya v Agro (50,000+ vacancies, 100+ lectures), rural travel Svoe Zagorodom, lifestyle subscription Vsyo Svoyo, wine platform Svoe Vino, and the Digital Lectern educational channel. The ecosystem functions both as customer-acquisition funnel and as cross-sell infrastructure for banking products, integrating biometrics, AI-driven packaging design, and SoftPOS. Five wholly-owned subsidiaries — RSHB Insurance, RSHB Life Insurance, RSHB Asset Management, RSHB Leasing, and RSHB Factoring — extend the offering into insurance, investment, and receivables financing.

Revenue is generated primarily through net interest margin on the loan book (agricultural, corporate, retail, mortgage, SME) funded by retail deposits and corporate funding, supplemented by commission income from payments, cards, acquiring, currency exchange, foreign trade, and documentary operations; brokerage, depository, and precious-metals fees; insurance distribution via subsidiaries; leasing and factoring fees; and marketplace and subscription commission from the Svoyo ecosystem. Pricing is tiered, ranging from free Agrobusiness RKO packages (Agrostart) to RUB 2,990/month (Agropremium), with flagship retail deposit at 13.3% p.a. and acquiring commissions from 0.2% via SBP QR. The bank holds credit ratings of AA(RU)/stable (AKRA, January and December 2025), AA+.ru/stable (NKR, August 2025), and AAA/stable on the Chinese national scale (Lianhe, June 2025 upgrade confirmed May 2026), reflecting high systemic importance, sectoral leadership, and 100% state ownership.

Name

Russian Agricultural Bank

Legal name

Акционерное общество «Российский Сельскохозяйственный банк»

Website

https://rshb.ru

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Russian Agricultural Bank (Rosselkhozbank) is a 100% state-owned universal commercial bank headquartered in Moscow, providing retail, SMB, corporate, agricultural, and correspondent banking services across Russia via a nationwide branch network and the proprietary Svoyo digital ecosystem for agri-business and rural customers.

Ownership category

akta.pro rank

Product category

Agricultural Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

Public Sector Retail Banks (State-Owned Commercial Banks) (FSABAKAL), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Agricultural banking
• Rural lending
• Commercial banking
• Agribusiness financing
• Digital banking

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income (Net Interest Margin): Core revenue from lending activities — agricultural sector loans, corporate loans, retail mortgages and consumer loans, and SME financing — funded by retail deposits and corporate funding.
2. Commission Income: Fees from payment and transfer services, account maintenance, card operations, acquiring/merchant services, currency exchange, foreign trade operations, and documentary operations for credit institutions.
3. Brokerage and Depository Services: Brokerage and depository services for securities, investment account management, trading on Moscow Exchange and SPB Exchange, precious metals trading.
4. Insurance Distribution (Subsidiary): Cross-selling of insurance products through subsidiaries RSHB Insurance and RSHB Life Insurance.
5. Leasing and Factoring: Equipment and machinery leasing and receivables factoring services through RSHB Leasing and RSHB Factoring subsidiaries.
6. Ecosystem Services: Commission income from ecosystem services including marketplace take-rate on Своё Фермерство and Своё Родное, subscription services, and agricultural goods sales.

Pricing tiers

Go-to-market motion5 records

Distribution channels12 records

Marketing channels11 records

Core offering

Russian Agricultural Bank (Rosselkhozbank) is a state-owned universal commercial bank that delivers a full range of banking products to individuals, businesses, and agribusinesses, with a designated mandate to finance Russia's agricultural sector. Retail offerings include deposit accounts, debit and credit cards, consumer loans, mortgages, insurance, and investment products. Business offerings include settlement accounts (RKO), acquiring, business loans, leasing, factoring, foreign trade services, and specialized agribusiness packages. The bank also operates the proprietary "Svoe" digital ecosystem with B2B and B2C agricultural marketplaces, rural housing, and career platforms.

Product overview

RSHB operates as a universal commercial bank offering a platform-plus-ecosystem architecture. The core banking product suite for retail clients includes Svoya Card Plus (debit card with up to 15% cashback), Svoy Deposit (savings with rates up to 13.3%), Family Mortgage, savings accounts, insurance, and investment products (brokerage, metals trading). For business clients, RSHB provides settlement accounts, acquiring (including softPOS and SBP QR from 0.2% commission), business loans with subsidized rates for agriculture and SMB, VED (foreign trade), leasing, factoring, and specialized agribusiness service packages (Agrostart, Agrorost, Agropremium). RSHB's distinctive feature is the 'Svoyo' ecosystem — a suite of digital platforms spanning B2C (Svoyo Rodnoye farm marketplace, Svoy Zagorodom rural travel) and B2B (Svoyo Fermerstvo agricultural marketplace with AI packaging design, Svoyo Selo rural housing platform) use cases, all cross-linked with the bank's financial products and accessible to both retail and business customers.

Differentiator

Problem solved

Functional benefit

Brands

• Экосистема Своё (Svoё Ecosystem): Digital ecosystem of services for agriculture business and rural development including Своё Родное (farmers marketplace), Своё Фермерство (agricultural marketplace with 5M+ users), Своё Село (rural housing and construction services), Своё Жильё (real estate services), Своё За городом (travel and tourism), Я в Агро (career portal for agriculture), Всё Своё (subscription service), Своё Вино (wine platform)
• Своё Родное
• Своё Фермерство
• Своё Село
• Я в Агро
• Своё За городом
• Всё Своё

Products and services

• Своя карта Плюс (Svoya Card Plus) Debit card offering up to 15% cashback across 5 selectable spending categories, with free issuance and servicing, and a loyalty program (Urozhay) allowing points to be exchanged for rubles. Targeted at individual retail customers.
• Вклад «Свой Вклад» (Svoy Deposit) Term savings deposit for individuals offering up to 13.3% p.a. for new savers, with flexible terms from 60 days to 4 years and minimum opening balance of RUB 5,000. Options for replenishment and partial withdrawal available; available in RUB and CNY.
• Семейная ипотека (Family Mortgage) Government-subsidized mortgage program for families with children, distributed through the bank's Svoe Selo rural housing platform, supporting affordable housing for the bank's priority rural and agricultural segments.
• Накопительный счёт «Мой счёт» (My Account Savings Account) Flexible savings account paying up to 13% p.a., allowing unlimited deposits and withdrawals, targeted at retail customers seeking liquid savings.
• Страхование (Insurance) Insurance products distributed through RSHB Insurance and RSHB Life Insurance subsidiaries covering property, life, and health risks for retail customers, including group programs for mortgage borrowers.
• Инвестиции (Investments) Investment offering for retail customers including brokerage services (IS Svoi Investicii), precious metals trading (coins, ingots, metal accounts), currency exchange, and real estate products, executed on the Moscow Exchange and SPB Exchange.
• Своё Фермерство (Svoyo Fermerstvo) B2B agricultural marketplace listing over 8 million goods (machinery, seeds, fertilizers, animals, spare parts) from 16,000+ suppliers, with integrated financing options and AI-powered packaging design service. Targeted at farmers, agricultural enterprises, and agribusiness buyers.
• Своё Родное (Svoyo Rodnoye) Farm-to-consumer marketplace connecting more than 9,000 farmers with urban consumers, offering over 300,000 fresh agricultural products with free delivery. Targeted at retail consumers and farmers selling direct.
• Своё Село (Svoyo Selo) Rural housing and construction platform offering a construction cost calculator, contractor directory of 10,000+ providers, mortgage application from 0.1%, and rural real estate listings. Targeted at rural residents and home buyers.
• Своё За городом (Svoyo Za Gorodom) Rural travel platform for booking hotels, rail tickets, flights, and agro-tours, with payment in loyalty points. Targeted at retail customers and rural tourism providers.
• Я в Агро (Ya v Agro) Career and education platform for the agricultural sector with over 50,000 vacancies and internships, 100+ expert lectures, and online events. Targeted at farmers, agricultural professionals, and agribusiness employers.
• Своё Жильё (Svoyo Zhilye) Real estate platform offering a broad property selection and ability to submit mortgage applications online, targeted at urban and rural home buyers.
• Своё Вино (Svoyo Vino) Platform dedicated to Russian wines, wineries, wine-producing regions, and events for wine enthusiasts. Targeted at retail wine consumers and Russian wineries.
• Всё Своё (Vsyo Svoyo) General suburban lifestyle platform combining a marketplace for home and garden products, local classifieds, and a media center. Targeted at suburban and rural residents.
• Подписка «Всё Своё» (Vsyo Svoyo Subscription) Subscription service bundling books, cinema, travel, online courses, and farm products into a single package. Targeted at retail customers seeking rural and lifestyle content.
• Расчётный счёт / РКО (Settlement Account / RKO) Business settlement account with 0 RUB opening and maintenance, unlimited transfers to legal entities and individual entrepreneurs, and up to 1.3% bonus on balances under Svoy Biznes-BONUS loyalty program. Targeted at SMEs and individual entrepreneurs.
• Эквайринг (Acquiring) Merchant payment acceptance service including traditional terminal-based acquiring and SoftPOS (smartphone-based card acceptance), with commission starting from 0.2% via SBP QR and same-day settlement. Targeted at merchants, SMEs, and individual entrepreneurs.
• Кредиты для бизнеса (Business Loans) Business lending products with subsidized rates for small business and agricultural enterprises under state programs, offering quick approval. Targeted at SMEs, individual entrepreneurs, and agribusinesses.
• ВЭД (Foreign Economic Activity Services) Import/export banking services including 0 RUB account opening, turnkey currency control, and competitive exchange rates for international settlements. Targeted at import/export businesses and corporate clients engaged in foreign trade.
• Лизинг (Leasing) Equipment and machinery leasing with flexible payment schedules and minimal overpayment, covering agricultural machinery, transport, and farm infrastructure. Targeted at agricultural enterprises and SMEs, delivered through the RSHB Leasing subsidiary.
• Факторинг (Factoring) Quick financing of accounts receivable up to 100% of amount without collateral, enabling faster access to working capital. Targeted at SMEs and corporate clients, delivered through the RSHB Factoring subsidiary.
• Пакеты услуг для МСБ (MSB Service Packages) Tiered service packages for small and medium businesses ranging from free to RUB 2,000/month, with varying numbers of fee-free external transfers and physical person transfer rates. Targeted at SMEs across all industries.
• Пакеты для АПК (Agribusiness Packages) Specialized agribusiness packages: Agrostart (RUB 0/month), Agrorost (RUB 990/month), and Agropremium (RUB 2,990/month), each including access to Svoe Rodnoe and Svoe Fermerstvo ecosystem services. Targeted at farmers, KFHs, and agricultural enterprises.
• Correspondent Banking (LORO Accounts) Correspondent account and interbank services for Russian and foreign credit institutions, including payment system participation, documentary operations (letters of credit, guarantees), interbank lending, cash operations, and currency trading. Targeted at resident and non-resident banks.
• Private Banking Premium banking services for high-net-worth clients, delivered through a dedicated private banking portal at private-banking.rshb.ru. Targeted at high-net-worth individuals.
• Бизнес-карта Фермера (Farmer Business Card) Business card for farmers providing discounts on agricultural goods from partner suppliers and linked to the Svoe Fermerstvo agribusiness ecosystem. Targeted at small farmers and agricultural producers.

Quantifiable outcome

• Deposit rate up to 13.3% p.a. for new savers (individual 'Svoy Vklad' product)
• +6 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability1 record

Feature6 records

Partnerships

13 partnerships are on record, tiered minor and core.

• Russians' Association of Banks (Association 'Russia')minorOthersRSHB is a member of the Association of Banks of Russia (Association 'Russia'), the primary banking industry self-regulatory organization in Russia. Active since July 2008.
• Russian-Chinese Business Council (RCBC)minorOthersRSHB participates in the Russian-Chinese Business Council (RCBC), facilitating bilateral business relations between Russia and China. Active since June 2005.
• National Financial Association (NFA)minorOthersRSHB is a member of the National Financial Association, a self-regulatory organization for the Russian financial market.
• Confederation Internationale du Crédit Agricole (CICA)minorStrategic or Co-development PartnerRSHB is a member of CICA (International Confederation of Agricultural Credit), an international organization connecting agricultural banks globally. Active since September 2000.
• U.S.-Russia Business Council (USRBC)minorGTM or Marketing PartnerRSHB participates in the USRBC, a bilateral organization facilitating US-Russia business relations, active since July 2006.
• Moscow Exchange (MOEX)coreTechnology or IntegrationRSHB is a participant of the Moscow Exchange (MOEX), providing brokerage and securities trading services to clients. Connected to MOEX's equity, bond, currency, and derivatives markets.
• National Clearing Center (NCC)coreTechnology or IntegrationRSHB has a clearing agreement with the National Clearing Center (NCC, non-bank credit organization — central counterparty), ensuring clearing and settlement for securities transactions.
• National Settlement Depository (NSD)coreTechnology or IntegrationRSHB is connected to the National Settlement Depository (NSD) for securities depository services and settlement.
• FinTech Association (Association of Financial Technology Development)minorStrategic or Co-development PartnerRSHB is a member of the FinTech Association, participating in the development of financial technologies in Russia.
• Big Data Association (Association of Market Data Participants)minorStrategic or Co-development PartnerRSHB is a member of the Association of Big Data Market Participants, advancing data analytics and digital transformation in financial services.
• National Association of Stock Market Participants (NAUFR)minorOthersRSHB is a member of NAUFR (self-regulatory organization), active since December 2021.
• Association for Financial Literacy Development (ARFG)minorOthersRSHB participates in the Association for Financial Literacy Development, supporting financial education initiatives.
• Canada Eurasia Chamber of Commerce (CECC)minorGTM or Marketing PartnerRSHB is a member of the Canada Eurasia Chamber of Commerce, supporting bilateral Canada-Russia business relations, active since May 2009.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Sberbank: Russia's largest universal bank and the dominant retail/SME/corporate banking franchise in the country. Directly comparable to RSHB as a universal commercial bank serving Russian consumers, SMEs, and large corporates, though Sberbank operates at much greater scale and is not agriculture-specialized.
• VTB Bank: Russia's second-largest state-owned universal bank, providing retail, corporate, and investment banking services. Directly comparable to RSHB in state ownership structure, universal banking scope, and Russian-domestic focus, with similar exposure to sanctions and government policy.
• Gazprombank: Top-3 Russian state-owned bank providing universal commercial banking with a legacy focus on energy sector clients. Comparable to RSHB as a large Russian state-owned universal bank with corporate banking strengths and similar geopolitical/sanctions exposure.
• Alfa-Bank (Russia): One of Russia's largest privately-owned universal commercial banks offering retail, corporate, and investment banking. Comparable to RSHB in providing a broad universal banking product suite to Russian retail and SME customers, but privately owned and without the agricultural specialization or state mandate.

Direct peers

• Rabobank: Leading international cooperative bank specializing in food and agriculture financing. Directly comparable as a global specialist in agricultural banking with deep agribusiness lending expertise and food value-chain ecosystem, although structured as a cooperative rather than a state-owned joint stock company.
• Crédit Agricole: Major French universal bank with a historical and ongoing specialization in agricultural financing through its regional bank network. Comparable to RSHB as a universal bank with strong agricultural and rural retail presence, though operating in a different geography and as a cooperative-owned entity.
• Agricultural Bank of China (ABC): State-owned Chinese universal bank with a core mandate to finance the agricultural sector. Closely comparable to RSHB in mandate design (state-designated agricultural bank), universal commercial scope, rural/agri lending focus, and policy-bank role. ABC is the closest international analogue to RSHB's business model.
• KfW (Kreditanstalt für Wiederaufbau): German state-owned development bank with substantial agricultural and rural development lending programs. Comparable to RSHB in state ownership, development-finance mandate, and agricultural/rural focus, though operating in Germany/EU and structured as a policy bank rather than universal commercial bank.

Regional players

• NABARD (National Bank for Agriculture and Rural Development): Indian development bank focused on agricultural and rural financing. Comparable to RSHB as a state-backed agricultural development finance institution, though operating exclusively in India with a narrower institutional role rather than universal commercial banking scope.
• Bank for Agriculture and Agricultural Cooperatives (BAAC): Thai state-owned specialized financial institution focused on agricultural and rural development lending. Closely analogous to RSHB in mandate (state-owned agricultural development bank), though operating exclusively in Thailand with a more narrowly focused agricultural rather than universal banking scope.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks1 record

Key highlights1 record

Customer concentration

• Xx.com/RSHBmedia
• Facebookfacebook.com/rshb.ru

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Russian Agricultural Bank