Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 1Q 2020 2019 2018
Assets 2,780,785 2,423,497 2,145,927
Net loans to customers, including 863,653 788,655 709,045
Loans to corporate clients 758,445 685,372 617,911
share 88% 87% 87%
Loans to individuals 105,208 103,283 91,134
share 12% 13% 13%
Due from credit institutions 413,088 348,794 13,183
Securities portfolio 413,239 296,718 230,146
Liabilities 2,568,179 2,213,065 1,954,754
Deposits by customers, including 1,399,260 1,339,535 1,272,175
Deposits by corporate clients 902,744 853,35 897,099
share 65% 64% 71%
Deposits by individuals 496,516 486,182 375,076
share 35% 36% 29%
Deposits by credit institutions 908,159 677,936 552,930
Debt securities issued 194,573 168,549 105,305
Total equity 212,606 210,432 191,173

RUB mln
Statement of comprehensive income (RUB mln) 3m 2020 3m 2019 3m 2018
Interest income 38,884 35,206 34,874
Interest expense -26,225 -25,559 -21,863
Provision for impairment of loans -7,524 -5,220 236
Net interest income 5,135 4,427 249,011
Net fee and commission income 2,655 2,491 2,780
Operating income after provisions 11,515 4,413 7,507
Operating expense -5,137 -4,230 -3,878
Net income 5,152 0,238 2,293

%
Ratios 3m 2020 2019 2018
NPL (90+) 3.3 3.6 1.6
COR 3.3 1.0 1.0
RoAA 0.8 0.5 1.4
RoAE 12.0 7.8 19.9
Net interest margin, % 2.1 2.2 2.6
Cost to Income ratio 27.2 51.6 29.8
BIS Tier 1 CAR 13.7 14.5 14.1
BIS Total CAR 20.5 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.