Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 9m2018 2017 2016
Assets 1,948,853 1,888,191 1,567,969
Net loans to customers, including 660,860 769 626,535
Loans to corporate clients 573,554 685,937 533,470
share 87% 89% 85%
Loans to individuals 87,306 82,739 93
share 13% 11% 15%
Securities portfolio 200,835 142,348 1,464,568
Liabilities 1,765,345 1,710,602 1,464,568
Deposits by customers, including 1,084,315 941,724 689,496
Deposits by corporate clients 732,382 650,507 440,842
share 68% 69% 64%
Deposits by individuals 351,933 291,217 248,654
share 32% 31% 36%
Deposits by credit institutions 547,489 639,861 628,794
Debt securities issued 114,020 116,280 137,203
Total equity 183,508 177,589 103,401

RUB mln
Statement of comprehensive income (RUB mln) 9m 2018 9m 2017 9m 2016
Interest income 102,520 92,185 84,066
Interest expense -65,927 -60,608 -52,705
Provision for impairment of loans -4,408 -10,414 -24,047
Net interest income 32,185 21,163 7,314
Fee and commission income 11,403 11,614 9,470
Operating income after provisions 37,246 33,133 20,771
Operating expense -13,244 -12,133 -10,096
Net income 18,355 16,075 8,342

%
Ratios 9m 2018 2017 2016
NPL (90+) 1.5 2.4 2.3
RoAA 1.3 1.2 0.8
RoAE 18.1 17.8 11.1
Net interest margin, % 2.7 2.9 3.3
Cost to Income ratio 28.3 26.8 24.6
BIS Tier 1 CAR 15.1 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.