Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 1H 2020 2019 2018
Assets 2,752,289 2,423,497 2,145,927
Net loans to customers, including 877,370 788,655 709,045
Loans to corporate clients 773,230 685,372 617,911
share 88% 87% 87%
Loans to individuals 104 140 103,283 91,134
share 12% 13% 13%
Due from credit institutions 523,035 348,794 13,183
Securities portfolio 465,413 296,718 230,146
Liabilities 2,535,387 2,213,065 1,954,754
Deposits by customers, including 1,416,214 1,339,535 1,272,175
Deposits by corporate clients 912,630 853,35 897,099
share 64% 64% 71%
Deposits by individuals 503,584 486,182 375,076
share 36% 36% 29%
Deposits by credit institutions 916,788 677,936 552,930
Debt securities issued 170,505 168,549 105,305
Total equity 216,902 210,432 191,173

RUB mln
Statement of comprehensive income (RUB mln) 6m 2020 6m 2019 6m 2018
Interest income 78,124 70,549 67,490
Interest expense -50,625 -51,512 -43,662
Provision for impairment of loans -12,941 -5,555 -31
Net interest income 14,558 13,482 23,797
Net fee and commission income 4,715 5,596 5,713
Operating income after provisions 22,176 13,197 23,837
Operating expense -10,679 -10,737 -9,113
Net income 9,124 2,161 11,004

%
Ratios 6m 2020 2019 2018
NPL (90+) 3.4 3.6 1.6
COR 2.8 1.0 1.0
RoAA 0.7 0.5 1.4
RoAE 10.5 7.8 19.9
Net interest margin, % 2.2 2.2 2.6
Cost to Income ratio 30.8 51.6 29.8
BIS Tier 1 CAR 13.7 14.5 14.1
BIS Total CAR 19.8 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.