Financial Statements

Key Performance Indicators

All figures are calculated in accordance with International Financial Reporting Standards.


RUB mln
Statement of financial position (RUB mln) 1Q2019 2018 2017
Assets 2,118,687 2,145,927 1,888,191
Net loans to customers, including 696,089 709,045 768,676
Loans to corporate clients 603,874 617,911 685,937
share 87% 87% 89%
Loans to individuals 92,215 91,134 82,739
share 13% 13% 11%
Securities portfolio 241,977 230,146 142,348
Liabilities 1,927,080 1,954,754 1,710,602
Deposits by customers, including 1,142,600 1,272,175 941,724
Deposits by corporate clients 728,063 897,099 650,507
share 64% 71% 69%
Deposits by individuals 414,537 375,076 291,217
share 36% 29% 31%
Deposits by credit institutions 599,253 552,930 639,861
Debt securities issued 168,026 105,305 116,280
Total equity 191,607 191,173 177,589

RUB mln
Statement of comprehensive income (RUB mln) 3m 2019 3m 2018 3m 2017
Interest income 35,206 34,874 31,130
Interest expense -25,559 -21,863 -20,708
Provision for impairment of loans -5,220 0,236 -18,597
Net interest income 4,427 13,247 -8,175
Fee and commission income 3,445 3,390 4,259
Operating income after provisions 4,413 7,507 9,664
Operating expense -4,230 -3,878 -3,715
Net income 238 2,293 4,593

%
Ratios 3m 2019 2018 2017
NPL (90+) 2.5 1.6 2.4
RoAA 0.0 1.4 1.2
RoAE 0.7 19.9 17.8
Net interest margin, % 1.9 2.6 2.9
Cost to Income ratio 65.0 29.8 26.8
BIS Tier 1 CAR 15.2 14.1 15.0
BIS Total CAR 23.4 21.9 23.4

IFRS Financial Statements

RAS Reports

Auditor’s details

Full company name
Joint Stock Company "KPMG"
Short name
JSC «KPMG»
Location
123112 Russia, Moscow, Presnenskaya Naberezhnaya, 10
Additional details
Independent auditor: JSC «KPMG», a company incorporated under the Laws of the Russian Federation, a member firm of the KPMG network of independent members firm affiliated with KPMG International Cooperative («KPMG International»), a Swiss entity. Member of the Self-regulated organization of auditors «Audit Chamber of Russia»; (Association). The Principal Registration Number of the Entry in the State Register of Auditors and Audit Organizations: № 10301000804.