Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 2019 2018 2017
Assets 2,423,497 2,145,927 1,888,191
Net loans to customers, including 788,655 709,045 768,676
Loans to corporate clients 685,372 617,911 685,937
share 87% 87% 89%
Loans to individuals 103,283 91,134 82,739
share 13% 13% 11%
Due from credit institutions 348,794 13,183 16,369
Securities portfolio 296,718 230,146 142,348
Liabilities 2,213,065 1,954,754 1,710,602
Deposits by customers, including 1,339,535 1,272,175 941,724
Deposits by corporate clients 853,353 897,099 650,507
share 64% 71% 69%
Deposits by individuals 486,182 375,076 291,217
share 36% 29% 31%
Deposits by credit institutions 677,936 552,930 639,861
Debt securities issued 168,549 105,305 116,280
Total equity 210,432 191,173 177,589

RUB mln
Statement of comprehensive income (RUB mln) 2019 2018 2017
Interest income 147,352 137,933 126,959
Interest expense -102,069 -89,518 -81,679
Provision for impairment of loans -6,821 -2,221 -18,597
Net interest income 38,462 46,194 26,683
Net fee and commission income 11,534 12,346 12,508
Operating income after provisions 36,338 54,495 43,573
Operating expense -21,225 -19,426 -16,756
Net income 11,957 27,224 20,703

%
Ratios 2019 2018 2017
NPL (90+) 3.6 1.6 2.4
COR 1.0 1.0 2.5
RoAA 0.5 1.4 1.2
RoAE 7.8 19.9 17.8
Net interest margin, % 2.2 2.6 2.9
Cost to Income ratio 51.6 29.8 26.8
BIS Tier 1 CAR 14.5 14.1 15.0
BIS Total CAR 21.2 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.