Financial Statements

Key Performance Indicators

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


RUB mln
Statement of financial position (RUB mln) 2020 2019 2018
Assets 2,916,465 2,423,497 2,145,927
Net loans to customers, including 1,009,165 788,655 709,045
Loans to corporate clients 888,802 685,372 617,911
share 88% 87% 87%
Loans to individuals 120,363 103,283 91,134
share 12% 13% 13%
Due from credit institutions 778,837 348,794 13,183
Securities portfolio 402,181 296,718 230,146
Liabilities 2,681,969 2,213,065 1,954,754
Deposits by customers, including 1,737,515 1,339,535 1,272,175
Deposits by corporate clients 1,235,998 853,353 897,099
share 71% 64% 71%
Deposits by individuals 501,517 486,182 375,076
share 29% 36% 29%
Deposits by credit institutions 731,723 677,936 552,930
Debt securities issued 171,465 168,549 105,305
Total equity 234,496 210,432 191,173

RUB mln
Statement of comprehensive income (RUB mln) 2020 2019 2018
Interest income 156,414 147,352 137,933
Interest expense -97,166 -102,069 -89,518
Provision for impairment of loans -18,908 -6,821 -2,221
Net interest income 40,340 38,462 46,194
Net fee and commission income 15,438 11,534 12,346
Operating income after provisions 59,327 36,338 54,495
Operating expense -21,801 -21,225 -19,426
Net income 30,009 11,957 27,224

%
Ratios 2020 2019 2018
NPL (90+) 3.1 3.6 1.6
COR 1.8 1.0 1.0
RoAA 1.1 0.5 1.4
RoAE 16.9 7.8 19.9
Net interest margin, % 2.3 2.2 2.6
Cost to Income ratio 28.3 51.6 29.8
BIS Tier 1 CAR 15.0 14.5 14.1
BIS Total CAR 21.3 21.2 21.9

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.