Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 1Q2021 2020 2019
Assets 3,142,364 2,916,465 2,423,497
Net loans to customers, including 1,071,251 1,009,165 788,655
Loans to corporate clients 941,715 888,802 685,372
share 88% 88% 87%
Loans to individuals 129,536 120,363 103,283
share 12% 12% 13%
Due from credit institutions 632,383 778,837 348,794
Securities portfolio 435,236 402,181 296,718
Liabilities 2,908,938 2,681,969 2,213,065
Deposits by customers, including 1,779,532 1,737,515 1,339,535
Deposits by corporate clients 1,267,509 1,235,998 853,353
share 71% 71% 64%
Deposits by individuals 512,023 501,517 486,182
share 29% 29% 36%
Deposits by credit institutions 869,564 731,723 677,936
Debt securities issued 224,537 171,465 168,549
Total equity 233,426 234,496 210,432

RUB mln
Statement of comprehensive income (RUB mln) 3m 2021 3m 2020 3m 2019
Interest income 38,877 38,884 35,206
Interest expense -22,807 -26,225 -25,559
Provision for impairment of loans 1,143 -7,524 -5,220
Net interest income 17,213 5,135 4,427
Net fee and commission income 3,069 2,655 2,491
Operating income after provisions 16,627 11,515 4,413
Operating expense -6,218 -5,137 -4,230
Net income 8,276 5,152 0,238

%
Ratios 3m 2021 2020 2019
NPL (90+) 3.1 3.1 3.6
COR 0.4 1.8 1.0
RoAA 1.1 1.1 0.5
RoAE 17.3 16.9 7.8
Net interest margin, % 2.2 2.3 2.2
Cost to Income ratio 36.9 28.3 51.6
BIS Tier 1 CAR 14.2 15.0 14.5
BIS Total CAR 19.5 21.3 21.2

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.