Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 2018 2017 2016
Assets 2,145,927 1,888,191 1,567,969
Net loans to customers, including 709,045 769 626,535
Loans to corporate clients 617,911 685,937 533,470
share 87% 89% 85%
Loans to individuals 91,134 82,739 93
share 13% 11% 15%
Securities portfolio 230,146 142,348 1,464,568
Liabilities 1,954,754 1,710,602 1,464,568
Deposits by customers, including 1,272,175 941,724 689,496
Deposits by corporate clients 897,099 650,507 440,842
share 71% 69% 64%
Deposits by individuals 375,076 291,217 248,654
share 29% 31% 36%
Deposits by credit institutions 552,930 639,861 628,794
Debt securities issued 105,305 116,280 137,203
Total equity 191,173 177,589 103,401

RUB mln
Statement of comprehensive income (RUB mln) 2018 2017 2016
Interest income 137,933 126,959 113,398
Interest expense -89,518 -81,679 -73,099
Provision for impairment of loans -2,221 -18,597 -29,783
Net interest income 46,194 26,683 10,516
Fee and commission income 15,829 15,510 13,394
Operating income after provisions 54,495 43,573 28,176
Operating expense -19,426 -16,756 -14,441
Net income 27,224 20,703 10,874

%
Ratios 2018 2017 2016
NPL (90+) 1.6 2.4 2.3
RoAA 1.4 1.2 0.8
RoAE 19.9 17.8 11.1
Net interest margin, % 2.6 2.9 3.3
Cost to Income ratio 29.8 26.8 24.6
BIS Tier 1 CAR 14.1 15.0 9.4
BIS Total CAR 21.9 23.4 14.7

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.