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Fact sheet
CBM at a glance, key figures
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INVESTOR RELATIONS

Key Performance Indicators

IFRS Financial Statements

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

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

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.
Web-site https://home.kpmg.com

2007-2017 . General license №1978 issued by the Bank of Russia on 06 May 2016.