Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position 2017 2016 2015
Assets 1 888 191 1 567 969 1 208 201
Net loans to customers, including 768 676 626 535 593 065
Loans to corporate clients 685 937 533 470 482 423
share 89% 85% 81%
Loans to individuals 82 739 93 065 110 642
share 11% 15% 19%
Securities portfolio 142 348 129 812 159 540
Liabilities 1 710 602 1 464 568 1 115 862
Deposits by customers, including 941 724 689 496 898 692
Deposits by corporate clients 650 507 440 842 697 763
share 69% 64% 78%
Deposits by individuals 291 217 248 654 200 929
share 31% 36% 22%
Deposits by credit institutions 639 861 628 794 88 705
Debt securities issued 116 280 137 203 121 155
Total equity 177 589 103 040 92 338

RUB mln
Statement of comprehensive income 2017 2016 2015
Interest income 126,959 113,398 89,211
Interest expense -81,679 -73,099 -59,922
Provision for impairment of loans -18,597 -29,783 -26,036
Net interest income 26,683 10,516 3,253
Net fee and commission income 12,508 11,147 7,625
Operating income after provisions 43,837 28,954 13,190
Operating expense -17,020 -15,219 11,246
Net income 20,703 10,874 1,509

%
Ratios 2017 2016 2015
NPL (90+) 2.4 2.3 5.1
RoAA 1.2 0.8 0.2
RoAE 17.8 11.1 2.1
Net interest margin 2.9 3.3 3.9
Cost to Income ratio 26.8 24.6 26.4
BIS Tier 1 CAR 15.0 9.4 9.2
BIS Total CAR 23.4 14.7 16.5

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.