Rosselkhozbank official page. About the bank

OJSC Russian Agricultural Bank (RSHB, Rosselkhozbank) is one of the largest banks in the Russian Federation. His specialization is financing of agricultural enterprises.

100% of the shares are owned by the state represented by the Rosimushchestvo agency.

Chairman of the Board: Dmitry Patrushev.

History of the creation and development of the bank

Rosselkhozbank was registered in 2000. The initiator of its creation was the government of the Russian Federation. The founder of the bank was ARCO (Agency for Restructuring of Credit Institutions).

The financial and credit organization plans to increase the authorized capital of RSHB by attracting investor funds by 2015, while maintaining a controlling stake in the state.

Activities of Rosselkhozbank today

The mission of Rosselkhozbank is to provide affordable and effective satisfaction of the needs of agricultural producers and the rural population of Russia for banking services, assistance in the development of rural areas and the agricultural industry, as well as assistance in the formation and operation of the financial and credit system of the agro-industrial sector of the Russian Federation.

RSHB's clients include the following companies: Rosagroleasing OJSC, Zadonskaya poultry farm, Optifood group, GMU Kavelektromontazh OJSC, Primorskaya Poultry Farm OJSC, SK Remstroytorg LLC.

Rosselkhozbank is also developing its retail business. Individuals have the opportunity to place available funds in deposits, make money transfers and payments, rent individual safe deposit boxes, apply for loans, including Visa and MasterCard credit cards. In addition, the bank issues and acquires debit cards from its own payment system and international systems. Holders of 650 thousand RSHB cards can use the services of more than 3 thousand “their” ATMs. You can also withdraw cash using Visa and MasterCard cards without commissions in the “ ” and “ ” devices.

Assets/liabilities

The basis assets:

  • 66% – loan portfolio (about 75 – loans issued to non-governmental organizations);
  • 15% – in interbank credits.

The basis liabilities:

  • 40% – funds on deposits of non-state client companies;
  • 15% – loans attracted from foreign banks;
  • 10% – deposits of private clients;
  • 9% – issued bonds.

In the interbank loan market, Rosselkhozbank often acts as a net lender.

Spasskaya, 1 k1

  • Branch address: Krasnogorsk (Krasnogorsk urban district, Moscow region), Spasskaya, 1 k1 location map
  • Branch telephones:

Molodezhnaya, 48

  • Branch address: Odintsovo (Moscow region), Molodezhnaya, 48 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Lermontovsky prospect, 2 k1

  • Branch address: Moscow, Lermontovsky prospect, 2 k1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Molodezhnaya, 8a

  • Branch address: Khimki (Moscow region), Molodezhnaya, 8a location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed
  • Branch address: Yegoryevsk (Moscow region), Sovetskaya, 126 location map
  • Branch telephones:
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Bolshaya Dorogomilovskaya, 10

  • Branch address: Moscow, Bolshaya Dorogomilovskaya, 10 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74951238011
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Lomonosovsky prospect, 25 k1

  • Branch address: Moscow, Lomonosovsky prospect, 25 k1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon: 09:30 - 20:00 [break: 13:00 - 14:00], Tue: 09:30 - 20:00 [break: 13:00 - 14:30], Wed-Sat: 09 :30 - 20:00 [break: 13:00 - 14:00], Sun: closed

Warsaw highway, 74 k2

  • Branch address: Moscow, Varshavskoe highway, 74 k2 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74951236613, +74951236617
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Valovaya, 26

  • Branch address: Moscow, Valovaya, 26 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74956636646, +74956636647
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Central Boulevard, 3

  • Branch address: Orekhovo-Zuevo (Moscow region), Central Boulevard, 3 location map
  • Branch telephones:
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Rogozhskaya, 85

  • Branch address: Noginsk (Noginsky district, Moscow region), Rogozhskaya, 85 location map
  • Branch telephones:
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Red, 109

  • Branch address: Solnechnogorsk (Solnechnogorsk district, Moscow region), Krasnaya, 109 location map
  • Branch telephones:
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  • Branch address: Domodedovo (Moscow region), Sovetskaya, 54 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Aviamotornaya, 10 k1

  • Branch address: Moscow, Aviamotornaya, 10 k1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Nastanovnichesky Lane, 17 st1

  • Branch address: Moscow, Nastavnichesky lane, 17 st1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Krasnaya Presnya, 21

  • Branch address: Moscow, Krasnaya Presnya, 21 location map
  • Branch telephones:
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Marshala Biryuzova, 31

  • Branch address: Moscow, Marshala Biryuzova, 31 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Yana Rainisa boulevard, 2 k1

  • Branch address: Moscow, Yana Rainis Boulevard, 2 k1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Branch address: Voskresensk (Voskresensky district, Moscow region), Sovetskaya, 12/10 location map
  • Branch telephones:
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Civil, 10

  • Branch address: Kolomna (Moscow region), Grazhdanskaya, 10 location map
  • Branch telephones:
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Veteranov Boulevard, st.2

  • Branch address: Mytishchi (Moscow region), Veteranov Boulevard, st2 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74956440892, +74956440893
  • Working hours: Mon-Fri: 09:30 - 17:00 [break: 13:00 - 14:00], Sat, Sun: closed

Lenina Avenue, 21

  • Branch address: Balashikha (Moscow region), Lenina Avenue, 21 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Gagarinsky Lane, 3

  • Branch address: Moscow, Gagarinsky lane, 3 map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Sat: 09:30 - 20:00, Sun: closed

Oktyabrsky Prospekt, 49

  • Branch address: Lyubertsy (Moscow region), Oktyabrsky Prospekt, 49 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74956601256 [multi-channel], +74956601253 [multi-channel], +74956601255

Larch alley, 2d

  • Branch address: Moscow, Larch alley, 2D location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74956440225 [multi-channel]
  • Opening hours: Mon-Fri: 09:00 - 19:30, Sat: 09:00 - 16:00, Sun: closed

Leninsky Prospekt, 37a

  • Branch address: Moscow, Leninsky Prospekt, 37a location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed
  • Branch address: Podolsk (Moscow region), Sovetskaya, 41 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74967559471, +74967559441
  • Opening hours: Mon-Fri: 09:00 - 19:30, Sat: 09:00 - 15:00, Sun: closed

Arbat, 1

  • Branch address: Moscow, Arbat, 1 map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74957830538
  • Opening hours: Mon-Sat: 09:00 - 20:00, Sun: closed

Academician Korolev, 3

  • Branch address: Moscow, Academician Koroleva, 3 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Volgogradsky prospect, 121/35

  • Branch address: Moscow, Volgogradsky Prospekt, 121/35 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

New Boulevard, 5

  • Branch address: Dolgoprudny (Moscow region), New Boulevard, 5 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Avtozavodskaya, 7

  • Branch address: Moscow, Avtozavodskaya, 7 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Mira Avenue, 46 st.1

  • Branch address: Moscow, Mira prospect, 46 st1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Bolshaya Semenovskaya, 27 k2

  • Branch address: Moscow, Bolshaya Semenovskaya, 27 k2 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Krasnoprudnaya, 30/34 st1

  • Branch address: Moscow, Krasnoprudnaya, 30/34 st1 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74951236729
  • Opening hours: Mon-Fri: 09:00 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Tverskaya-Yamskaya 1st, 26

  • Branch address: Moscow, Tverskaya-Yamskaya 1st, 26 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Dolgorukovskaya, 40

  • Branch address: Moscow, Dolgorukovskaya, 40 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74994010284, +74994010285, +74994010286, +74994010287
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Gagarina, 4

  • Branch address: Zhukovsky (Moscow region), Gagarina, 4 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline]
  • Opening hours: Mon-Fri: 09:00 - 19:30, Sat, Sun: closed

Sadovaya-Spasskaya, 11

  • Branch address: Moscow, Sadovaya-Spasskaya, 11 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74956638360
  • Opening hours: Mon-Thu: 09:30 - 20:00, Fri: 09:30 - 15:00, Sat, Sun: closed

Leningradsky Prospekt, 69

  • Branch address: Moscow, Leningradsky Prospekt, 69 location map
  • Branch telephones:+74957771100 [24-hour hotline], 88002000290 [24-hour hotline], +74955877181
  • Opening hours: Mon-Fri: 09:30 - 20:00, Sat: 09:00 - 15:00, Sun: closed

Rosselkhozbank INN, initials of the person for whom the transfer is intended, current account number (20 digits), name of the banking institution where the account was opened, BIC, number of the bank's correspondent account with the Central Bank of the Russian Federation or other commercial institution - this information is important to know for payments to ruble currency.

Rosselkhozbank

RSHB is the largest banking organization in the Russian Federation. It was created to increase lending to the agro-industrial complex and rural areas of the country. Today it is a universal bank that provides an extensive range of services.

Fin. The institution is a leader in financing agriculture in the Russian Federation. This is a government organization that is the sole owner of shares.

In terms of the number of assets and the amount of capital, the bank is one of the largest and financially stable organizations in Russia. According to Forbes, RSHB is included in the 1st reliability group, according to the official data of the “One Hundred Banks” rating.

Rosselkhozbank carries out the tasks of the Government of the Russian Federation and develops the agricultural industry, implementing state programs. The institution has a well-formed network of relationships with many banks in other countries.

For clients who are involved in international transactions and subsequent issuance of loans, cor. the network provides a full range of services. Other interbank settlements are also included in the list of products provided by the institution.

The bank ranks second in the Russian Federation in terms of the number of regional branches. There are more than 1,400 offices throughout the country. A distinctive feature is the presence of branches in small towns and rural areas.

Representative offices are located in neighboring countries of the former CIS: the Republic of Belarus, the Republic of Kazakhstan, Tajikistan, the Republic of Azerbaijan, the Republic of Armenia.

Rosselkhozbank details

The necessary information can be viewed at Rosselkhozbank online.

Institution details:

  1. Name of the organization: Joint Stock Company "Russian Agricultural Bank", abbreviated as JSC Rosselkhozbank (formerly JSC Rosselkhozbank);
  2. INN: 7725114488;
  3. The registration of the institution with the Central Bank of the Russian Federation is dated: April 24, 2000;
  4. Registration number, according to the state book. registration (KGR) of institutions providing loans to individuals. and legal persons: 3349;
  5. Main state RSHB registration number (OGRN): 1027700342890;
  6. Foreign name of the financial organization: Join stock company Russian Agricultural Bank;
  7. The entry was made in the Unified State Register of legal entities: October 22, 2002;
  8. The bank's BIC number is 044525111;

(!) Important! Details of Rosselkhozbank official website - rshb.ru.

There is an institution that controls the activities of the state. organizations. It is: Main Directorate of the Central Bank of the Russian Federation for the Federal District. Actual address: Moscow, Balchug street, 2.

Postal address: Russia, Moscow, Gagarinsky lane, 3, 119034.

RSHB accepts letters to the e-mail address: [email protected].

Disclosure of information about securities is carried out on Internet portals: e-disclosure.ru, rshb.ru.

Payment details of RSHB

Rosselkhozbank details:

  • INN/KPP (reason code for registration): 7725114488/997950001;
  • Correspondent account: 30101810200000000111 in the State Administration of the Central Bank of the Russian Federation for the Central Federal District;
  • BIC: 044525111;
  • All-Russian Classifier of Sectors of the National Economy (OKONKH): 96120;
  • All-Russian Classifier of Enterprises and Organizations (OKPO): 52750822;
  • All-Russian Classifier of Objects of Administrative-Territorial Division (OKATO): 45286590000.

Correct information is provided only on the official website of Rosselkhozbank.

Rosselkhozbank (RSHB) was created on the initiative of the government, approved by the President of the Russian Federation, in 2000. The founder was the state Agency for the Restructuring of Credit Institutions (ARCO, the predecessor of the Deposit Insurance Agency). Since July 2001, 100% of the bank's shares belong to the government of the Russian Federation represented by the Federal Property Fund (now the Federal Agency for State Property Management - Rosimushchestvo). From May 2010 until recently, the board of the credit institution was headed by Dmitry Patrushev, the son of the Secretary of the Security Council of the Russian Federation and ex-head of the FSB Nikolai Patrushev. On June 14, 2018, changes occurred in the top management of Rosselkhozbank; Boris Listov was appointed chairman of the board of the bank. Since the end of October 2012, the supervisory board of the Russian Agricultural Bank was headed by the president of the Sinara group (controls the Yekaterinburg SKB-Bank), head of the board of directors of the Pipe Metallurgical Company Dmitry Pumpyansky (he was no longer included in the board approved on November 26, 2013). Since 2015, the chairman of the bank’s supervisory board has been the former governor of the Krasnodar Territory, the current Minister of Agriculture of the Russian Federation, Alexander Tkachev. At the end of June 2017, Deputy Prime Minister of the Russian Federation Arkady Dvorkovich was elected chairman of the supervisory board of the Russian Agricultural Bank. Since June 30, 2018, the bank’s supervisory board has been headed by Dmitry Patrushev.

Rosselkhozbank ranks second in Russia in terms of the number of open branches. As of June 30, 2018, the bank was represented by 68 branches in the Russian Federation and five representative offices abroad (in Azerbaijan, Belarus, Kazakhstan, Armenia and Tajikistan). The number of bank personnel as of June 30, 2018 was 26.4 thousand people (at the beginning of 2018 - 26.6 thousand people).

The mission of Rosselkhozbank is to provide affordable, high-quality and effective satisfaction of the needs of agricultural producers and the rural population of the Russian Federation for banking products and services, to promote the formation and functioning of a modern national credit and financial system of the agro-industrial sector of Russia, to support the development of the agro-industrial complex and rural areas.

The clients of RSHB were and are such companies as OJSC Rosagroleasing, the group of companies Optifood, the Zadonskaya poultry farm, the companies of the agricultural holding Mordovzernoresurs, OJSC GMU Kavelektromontazh, LLC SK Remstroytorg, OJSC Poultry Farm Primorskaya and etc. In addition to servicing corporate clients, Rosselkhozbank is also developing its retail business. Individuals have the opportunity to place available funds in deposits, make money transfers and payments, rent individual safe deposit boxes, take advantage of credit products, including obtaining Visa, MasterCard and Mir credit and debit cards. In June 2016, the financial institution began issuing cards of the Chinese payment system UnionPay, and in September 2018 it became the first Russian bank to begin issuing UnionPay chip cards with QuickPass contactless payment technology. Over 3.5 thousand ATMs are available to cardholders in the regions where the credit institution operates; In addition, you can withdraw cash using Rosselkhozbank payment cards without additional fees at ATMs of Alfa-Bank, Promsvyazbank, Rosbank and Raiffeisenbank.

In the first nine months of 2018, the net assets of the Russian Agricultural Bank remained virtually unchanged in volume, amounting to 3.18 trillion rubles as of October 1. In the liabilities of the credit institution for the specified period, there was a decrease in the volume of funds from corporate clients in most maturity ranges (in total? 22.2%), offset by an increase in balances of funds for such liability items as deposits of individuals (+13.3%), attracted by interbank credits and loro accounts (in total +46.8%), as well as equity capital (+1.7% according to the Central Bank method). In assets, the most significant structural changes affected the portfolio of issued interbank loans, which decreased by 94%. The corresponding growth in aggregate was demonstrated by the loan portfolio (+13.2%), investments in securities (+38.6%), highly liquid assets (+13.9%) and fixed assets (+91.0%).

As of the reporting date, equal shares of liabilities included household deposits (29.97%) and funds from corporate clients (29.4%). The overwhelming majority of retail funds are represented by medium- and long-term deposits; funds of legal entities are formed by resources of various maturities. The bank's customer base is stable; turnover on customer accounts has recently been at the level of 2.0-2.5 trillion rubles monthly.

The bank's own bonds and bills of exchange form almost 7% of liabilities (at the same time, in mid-October 2018, the bank placed a new issue of bonds in the amount of 13 billion rubles), attracted interbank credits and balances on loro accounts in the aggregate amount to 4.3% (with funds from the Central Bank of the Russian Federation accounts for only 17.4% of the total volume of interbank lending). The remaining part of the liabilities is formed mainly by equity capital, the adequacy ratio of which at the reporting date exceeded 14% against the minimum acceptable level of 8%. By the end of 2018, the government planned to recapitalize RSHB by 20 billion rubles, and in 2019 the government promised to provide similar financial support for capital.

As a part of assets, 67.3% is accounted for by the loan portfolio, investments in securities - 14.9%, highly liquid assets - 7.6% (mainly funds in nostro accounts and balances in cash accounts), other assets - 6.8% , fixed assets - 1.4%. The share of the portfolio of issued interbank loans did not exceed 1%.

During the period under study, the bank’s loan portfolio increased by 13.2% mainly due to corporate lending (+192.3 billion rubles), although the retail business also made a significant contribution (+57.4 billion rubles). Loans to legal entities dominate, forming just over 80% of the total portfolio. Most of the loans to individuals were issued for periods over three years, and to legal entities - also for long-term periods. The share of overdue debt in the portfolio has decreased slightly since the beginning of 2018 - from 11.2% to 10.6% by the beginning of October. The reserve level is 6.7%, while the portfolio is not fully secured by property collateral - by 78.4% (at the beginning of 2018 - 88.4%).

The securities portfolio during the study period increased by 38.6%, bonds in its structure formed 95.5% as of the reporting date, the remainder of the portfolio is represented by bank bills. More than half of the bond portfolio, in turn, consists of Russian government securities. Another 17% are bonds of Russian companies, 5.7% are Eurobonds, and 3.6% are bonds of Russian and foreign banks. The share of securities pledged under repo transactions was 17% as of the reporting date; turnover on repo transactions was very small, although regular.

In the interbank lending market, the bank has recently acted as a pronounced net creditor, while the turnover in attracting liquidity on the scale of the bank’s balance sheet is very small.

According to financial statements according to RAS, in the first nine months of 2018, Rosselkhozbank earned a net profit of 5.1 billion rubles, increasing almost seven times the figure for the same period in 2017. At the end of 2017, net profit exceeded 3 billion rubles.

Supervisory Board: Dmitry Patrushev (chairman), Oleg Bogomolov, Arkady Dvorkovich, Andrey Ivanov, Boris Listov, Dmitry Pristankov, Vladimir Strzhalkovsky, Mukhadin Eskindarov, Mikhail Genis.

Governing body: Boris Listov (chairman), Kirill Levin, Andrey Barabanov, Alexey Zhdanov, Irina Zhachkina, Olga Suvorova, Ekaterina Romankova, Pavel Markov.

Rosselkhozbank (RSHB) was created on the initiative of the government, approved by the President of the Russian Federation in 2000. The founder was the state Agency for Restructuring of Credit Institutions (ARCO). Since July 2001, 100% of the bank's shares belong to the government of the Russian Federation represented by the Federal Property Fund (now the Federal Agency for State Property Management - Rosimushchestvo).

Rosselkhozbank ranks second in Russia in terms of the number of open branches - currently there are 78 branches and over 1.5 thousand offices in the regions of the country. The bank also has representative offices in Azerbaijan, Belarus, Kazakhstan, Tajikistan and Armenia. The total number of employees of the organization exceeds 33 thousand people.

The mission of Rosselkhozbank is to provide affordable, high-quality and effective satisfaction of the needs of agricultural producers and the rural population of the Russian Federation for banking products and services, to promote the formation and functioning of a modern national credit and financial system of the agro-industrial sector of Russia, to support the development of the agro-industrial complex and rural areas.