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Fact sheet
CBM at a glance, key figures
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ABOUT BANK
INVESTOR RELATIONS

Fact sheet

CREDIT BANK OF MOSCOW (public joint-stock company) has been operating in the Russian banking market since 1992.

The Bank provides a full range of services for corporate clients and private persons while offering universal products and services for a wide audience and elaborating special programs with focus on individual needs and wishes of its clients.

The Bank holds General license No. 1978 as of 6 May 2016 issued by the Bank of Russia.

Bank's rankings

Ranking by Assets

  • 10th Russian banks rating by assets as at 1 March 2017, Expert RA
  • 10th Russian banks rating by assets as at 1 March 2017, Banki.ru
  • 9th Russian banks rating by assets. YE2016, INTERFAX-100

Rankings by Equity

  • 12th Russian Banks. Key Performance Indicators. Equity. YE2016, INTERFAX-100
  • 10th Russian Banks rating by equity as at 1 March 2017, Banki.ru

Shareholders

Credit Ratings

ShareholderShare
"Rossium Concern", LLC56,83%
JSC "Asset Management Company "Regionfinansresurs"8,19%
LLC "Region Portfolio Investments" AM, PE fund "Algorythm"5,39%
European Bank for Reconstruction and Development (EBRD)4,54%
"Saving management", LLC3.86%
RBOF Holding Company I Ltd.2,06%
JSC "EG Capital Partners"1.99%
International Finance Corporation (IFC)1,30%
JSC EFG Asset Management1,67%
OJSC "RONNIN Trust"0.99%
SEVER Asset Management LLC0.58%
"Asset Management Company "BIN FINAM GROUP" LLC0.21%
Other minority shareholders12,39%
AgencyRatings*
Fitch RatingBB
Standard and Poor'sBB- / ruAA-
Moody's Investors ServiceB1/NP
* international / national scale

Management board

Vladimir A. Chubar
Dmitry A. Eremin
Svetlana V. Sass
Darya A. Galkina
Yury A. Ubeev
Alexey V. Kosyakov
Anton O. Virichev
Elena V. Shved
Alexey A. Stepanenko
Andrey A. Kryukov

Supervisory board

William F. Owens
Roman I. Avdeev
Vladimir A. Chubar
Andrew S. Gazitua
Thomas G. Grasse
Andreas Klingen
Genadi Lewinski
Mikhail M. Kuznetsov
Ilkka S. Salonen
Marina M. Nastashkina

Key Performance Indicators

Statement of financial position (RUB ths) 2016 2015 2014
Assets 1,567,968,622 1,208,200,628 584,838,992
Net loans to customers, including 626,535,060 593,065,265 378,014,328
     Loans to corporate clients   533,470,046   482,423,222   257,551,451
     share   85%   81%   68%
     Loans to individuals   93,065,014   110,642,043   120,462,877
     share   15%   19%   32%
Securities portfolio 129,812,018 159,539,898 60,976,236
Liabilities 1,464,568,047 1,115,862,166 524,851,502
Deposits by customers, including 689,495,720 898,692,231 334,852,198
     Deposits by corporate clients   440,842,162   697,763,224   171,452,228
     share   64%   78%   51%
     Deposits by individuals   248,653,558   200,929,007   163,399,970
      share   36%   22%   49%
Deposits by credit institutions 628,793,988 88,704,560 65,897,384
Debt securities issued 137,203,416 121,154,765 118,621,304
Total equity 103,400,575 92,338,462 59,987,490

Statement of comprehensive income (RUB ths) 2016 2015 2014
Interest income 113,398,443 89,210,510 58,183,385
Interest expense -73,099,118 -59,922,036 -32,300,883
Provision for impairment of loans -29,783,276 -26,035,950 -11,645,153
Net interest income 10,516,049 3,252,524 14,237,349
Fee and commission income 13,393,746 9,342,662 9,027,215
Operating income after provisions 28,953,627 13,190,380 16,644,352
Operating expense -15,219,091 -11,245,838 -9,626,814
Net income 10,873,617 1,509,471 5,569,333

Ratios 2016 2015 2014
NPL (90+), % 2.3 5.1 2.3
RoAA, % 0.8 0.2 1.1
RoAE, % 11.2 2.1 10.1
Net interest margin, % 3.3 3.9 5.8
Cost to Income ratio,% 24.6 26.4 33.9
BIS Tier 1 CAR 9.4 9.2 10.5
BIS Total CAR 14.7 16.5 15.8

Contacts

Sergey Lukyanov
Head of Investor Relations
Tel.: +7 (495) 797-42-22 ext. 6223
Mailto: Lukyanov@mkb.ru


2007-2017 . General license 1978 issued by the Bank of Russia on 06 May 2016.