Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 1Q2018 2017 2016
Assets 1 860 050 1 888 191 1 567 969
Net loans to customers, including 645 455 768 676 626 535
Loans to corporate clients 566 361 685 937 533 470
share 88% 89% 85%
Loans to individuals 79 094 82 739 93 065
share 12% 11% 15%
Securities portfolio 186 264 142 348 1 464 568
Liabilities 1 689 552 1 710 602 1 464 568
Deposits by customers, including 931 923 941 724 689 496
Deposits by corporate clients 624 600 650 507 440 842
share 67% 69% 64%
Deposits by individuals 307 323 291 217 248 654
share 33% 31% 36%
Deposits by credit institutions 623 537 639 861 628 794
Debt securities issued 120 712 116 280 137 203
Total equity 170 498 177 589 103 401

RUB mln
Statement of comprehensive income (RUB mln) 3м 2018 3м 2017 3м 2016
Interest income 34 874 31 130 27 494
Interest expense -21 863 -13 905 -18 348
Provision for impairment of loans -236 -4 816 -7 149
Net interest income 13 247 5 606 1 997
Fee and commission income 3 390 4 259 3 011
Operating income after provisions 7 507 9 664 5 109
Operating expense -3 878 -3 715 -3 031
Net income 2 293 4 593 1 658

%
Ratios 3м 2018 2017 2016
NPL (90+) 2.4 2.4 2.3
RoAA 0.5 1.2 0.8
RoAE 6.9 17.8 11.1
Net interest margin, % 3.0 2.9 3.3
Cost to Income ratio 40.5 26.8 24.6
BIS Tier 1 CAR 15.6 15.0 9.4
BIS Total CAR 24.9 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.