Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 2Q2019 2018 2017
Assets 2,118,231 2,145,927 1,888,191
Net loans to customers, including 666,480 709,045 768,676
Loans to corporate clients 570,830 617,911 685,937
share 86% 87% 89%
Loans to individuals 95,650 91,134 82,739
share 14% 13% 11%
Securities portfolio 248,319 230,146 142,348
Liabilities 1,928,566 1,954,754 1,710,602
Deposits by customers, including 1,204,637 1,272,175 941,724
Deposits by corporate clients 767,406 897,099 650,507
share 64% 71% 69%
Deposits by individuals 437,231 375,076 291,217
share 36% 29% 31%
Deposits by credit institutions 553,489 552,930 639,861
Debt securities issued 155,111 105,305 116,280
Total equity 189,665 191,173 177,589

RUB mln
Statement of comprehensive income (RUB mln) 6m 2019 6m 2018 6m 2017
Interest income 70,549 67,490 60,292
Interest expense -51,512 -43,662 -39,584
Provision for impairment of loans -5,555 0,031 -7,377
Net interest income 13,482 23,797 13,331
Fee and commission income 7,461 7,262 8,019
Operating income after provisions 13,197 23,837 21,351
Operating expense -10,737 -9,113 -8,345
Net income 2,161 11,004 10,008

%
Ratios 6m 2019 2018 2017
NPL (90+) 3.9 1.6 2.4
RoAA 0.2 1.4 1.2
RoAE 2.9 19.9 17.8
Net interest margin, % 1.9 2.6 2.9
Cost to Income ratio 68.2 29.8 26.8
BIS Tier 1 CAR 13.6 14.1 15.0
BIS Total CAR 21.0 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.