Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 3Q 2020 2019 2018
Assets 2,952,680 2,423,497 2,145,927
Net loans to customers, including 958,994 788,655 709,045
Loans to corporate clients 850,490 685,372 617,911
share 89% 87% 87%
Loans to individuals 108,504 103,283 91,134
share 11% 13% 13%
Due from credit institutions 725,702 348,794 13,183
Securities portfolio 476,838 296,718 230,146
Liabilities 2,731,702 2,213,065 1,954,754
Deposits by customers, including 1,474,316 1,339,535 1,272,175
Deposits by corporate clients 966,235 853,353 897,099
share 66% 64% 71%
Deposits by individuals 508,081 486,182 375,076
share 34% 36% 29%
Deposits by credit institutions 1,015,977 677,936 552,930
Debt securities issued 183,822 168,549 105,305
Total equity 220,978 210,432 191,173

RUB mln
Statement of comprehensive income (RUB mln) 9m 2020 9m 2019 9m 2018
Interest income 116,767 109,074 102,520
Interest expense -74,226 -76,945 -65,927
Provision for impairment of loans -15,844 -2,978 -4,408
Net interest income 26,697 29,151 32,185
Net fee and commission income 7,632 8,464 8,903
Operating income after provisions 37,643 30,215 37,246
Operating expense -15,723 -15,769 -13,244
Net income 17,102 11,882 18,355

%
Ratios 9m 2020 2019 2018
NPL (90+) 3.1 3.6 1.6
COR 2.1 1.0 1.0
RoAA 0.8 0.5 1.4
RoAE 13.1 7.8 19.9
Net interest margin, % 2.2 2.2 2.6
Cost to Income ratio 29.9 51.6 29.8
BIS Tier 1 CAR 12.6 14.5 14.1
BIS Total CAR 18.2 21.2 21.9

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.