Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 6m2018 2017 2016
Assets 1 931 056 1 888 191 1 567 969
Net loans to customers, including 666 857 769 626 535
Loans to corporate clients 583 839 685 937 533 470
share 88% 89% 85%
Loans to individuals 83 018 82 739 93
share 12% 11% 15%
Securities portfolio 205 517 142 348 1 464 568
Liabilities 1 753 663 1 710 602 1 464 568
Deposits by customers, including 961 039 941 724 689 496
Deposits by corporate clients 644 098 650 507 440 842
share 67% 69% 64%
Deposits by individuals 316 941 291 217 248 654
share 33% 31% 36%
Deposits by credit institutions 662 812 639 861 628 794
Debt securities issued 115 061 116 280 137 203
Total equity 177 393 177 589 103 401

RUB mln
Statement of comprehensive income (RUB mln) 6м 2018 6м 2017 6м 2016
Interest income 67 490 60,292 55,976
Interest expense -43,662 -39,584 35,514
Provision for impairment of loans -31 -7,377 -16,229
Net interest income 23 797 13 331 4 233
Fee and commission income 7 262 8 019 6 314
Operating income after provisions 23 837 21 351 12 851
Operating expense -9 113 -8 345 -6 512
Net income 11 004 10 008 5 067

%
Ratios 6м 2018 2017 2016
NPL (90+) 1.6 2.4 2.3
RoAA 1.2 1.2 0.8
RoAE 16.5 17.8 11.1
Net interest margin, % 2.7 2.9 3.3
Cost to Income ratio 31.3 26.8 24.6
BIS Tier 1 CAR 14.8 15.0 9.4
BIS Total CAR 23.5 23.4 14.7

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.