Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 3Q2019 2018 2017
Assets 2,184,199 2,145,927 1,888,191
Net loans to customers, including 735,468 709,045 768,676
Loans to corporate clients 636,371 617,911 685,937
share 87% 87% 89%
Loans to individuals 99,097 91,134 82,739
share 13% 13% 11%
Securities portfolio 236,444 230,146 142,348
Liabilities 1,985,128 1,954,754 1,710,602
Deposits by customers, including 1,269,029 1,272,175 941,724
Deposits by corporate clients 809,787 897,099 650,507
share 64% 71% 69%
Deposits by individuals 459,242 375,076 291,217
share 36% 29% 31%
Deposits by credit institutions 535,202 552,930 639,861
Debt securities issued 159,794 105,305 116,280
Total equity 199,071 191,173 177,589

RUB mln
Statement of comprehensive income (RUB mln) 9m 2019 9m 2018 9m 2017
Interest income 109,074 102,520 92,185
Interest expense -76,945 -65,927 -60,608
Provision for impairment of loans -2,978 -4,408 -10,414
Net interest income 29,151 32,185 21,163
Fee and commission income 11,176 11,403 11,614
Operating income after provisions 30,215 37,246 33,133
Operating expense -15,769 -13,244 -12,310
Net income 11,882 18,355 16,075

%
Ratios 9m 2019 2018 2017
NPL (90+) 3.7 1.6 2.4
RoAA 0.7 1.4 1.2
RoAE 10.6 19.9 17.8
Net interest margin, % 2.1 2.6 2.9
Cost to Income ratio 51.5 29.8 26.8
BIS Tier 1 CAR 13.3 14.1 15.0
BIS Total CAR 20.2 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.