Key Performance Indicators
All figures are calculated in accordance with International Financial Reporting Standards.
RUB mln
| Statement of financial position (RUB mln) | 2Q2021 | 2020 | 2019 |
|---|---|---|---|
| Assets | 3,166,046 | 2,916,465 | 2,423,497 |
| Net loans to customers, including | 1,143,159 | 1,009,165 | 788,655 |
| Loans to corporate clients | 1,004,562 | 888,802 | 685,372 |
| share | 88% | 88% | 87% |
| Loans to individuals | 138,597 | 120,363 | 103,283 |
| share | 12% | 12% | 13% |
| Due from credit institutions | 682,040 | 778,837 | 348,794 |
| Securities portfolio | 453,175 | 402,181 | 296,718 |
| Liabilities | 2,910,138 | 2,681,969 | 2,213,065 |
| Deposits by customers, including | 1,725,360 | 1,737,515 | 1,339,535 |
| Deposits by corporate clients | 1,215,446 | 1,235,998 | 853,353 |
| share | 70% | 71% | 64% |
| Deposits by individuals | 509,914 | 501,517 | 486,182 |
| share | 30% | 29% | 36% |
| Deposits by credit institutions | 934,836 | 731,723 | 677,936 |
| Debt securities issued | 216,109 | 171,465 | 168,549 |
| Total equity | 255,908 | 234,496 | 210,432 |
RUB mln
| Statement of comprehensive income (RUB mln) | 6m 2021 | 6m 2020 | 6m 2019 |
|---|---|---|---|
| Interest income | 82,434 | 78,124 | 70,549 |
| Interest expense | -47,137 | -50,625 | -51,512 |
| Provision for impairment of loans | 0,562 | -12,941 | -5,555 |
| Net interest income | 35,859 | 14,558 | 13,482 |
| Net fee and commission income | 6,373 | 4,715 | 5,596 |
| Operating income after provisions | 30,952 | 22,176 | 13,197 |
| Operating expense | -13,842 | -10,679 | -10,737 |
| Net income | 13,550 | 9,124 | 2,161 |
%
| Ratios | 6m 2021 | 2020 | 2019 |
|---|---|---|---|
| NPL (90+) | 2.5 | 3.1 | 3.6 |
| COR | 0.6 | 1.8 | 1.0 |
| RoAA | 0.9 | 1.1 | 0.5 |
| RoAE | 13.5 | 16.9 | 7.8 |
| Net interest margin, % | 2.4 | 2.3 | 2.2 |
| Cost to Income ratio | 42.0 | 28.3 | 51.6 |
| BIS Tier 1 CAR | 14.8 | 15.0 | 14.5 |
| BIS Total CAR | 19.6 | 21.3 | 21.2 |