Corporate Governance
Executive Board
Chairman of the Executive Board
Ratings
B-/Stable
Long-Term Foreign and Local Currency Issuer
Default Rating (IDR)
C
Short-Term IDR
B-
Viability Rating
5
Support Rating
NF
Support Rating Floor
BB+(RU)/Developing
Financial Results and Disclosure
Key perfomance indicators
ASSETS, RUB mln 9M'18 2017 2016 2015 2014 2013 2012 2011 2010 2009
Securities 16 937 18 036 21 399 27 955 18 899 16 900 15 813 9 851 7 485 3 758
Loans (gross) 72 913 74 534 86 072 94 012 98 719 86 236 61 388 39 660 22 116 11 675
Retail Loans 46 107 44 737 49 474 55 101 64 560 59 267 43 269 25 782 13 163 7 407
Corporate Loans 26 806 29 797 36 598 38 911 34 159 26 969 18 119 13 878 8 953 4 268
Loss Loan Reserves -27 729 -16 930 (17 083) (19 097) (13128) (5 811) (2 920) (1 808) (1 800) (1 932)
Total Assets 84 763 103 327 119 629 143 069 130 467 118 556 92 176 60 530 41 781 19 823
LIABILITIES 9M'18 2017 2016 2015 2014 2013 2012 2011 2010 2009
Due to banks 755 1 527 2 345 3 972 10 722 6 995 7 131 3 910 1 723 542
Retail Customer Accounts 52 362 62 878 70 627 74 210 58 633 50 480 43 385 28 936 20 768 10 315
Corporate Customer Accounts 13 097 16 264 19 726 29 816 25 865 30 890 21 758 17 405 11 554 5 732
Debt securities issued 751 1 230 1 956 4 684 6 507 6 104 4 184 538 1 518 208
Total liabilities 68 623 90 210 105 451 127 173 115 611 103 966 80 647 51 805 36 287 17 228
Total Equity 16 140 13 118 14 177 15 895 14 856 14 590 11 529 8 724 5 493 2 595
Income statement 9M'18 2017 2016 2015 2014 2013 2012 2011 2010 2009
Net Interest Income 1 696 5 212 7 855 7 241 10 680 8 928 6 513 4 593 2 387 1 557
Net Fee &Commission Income 687 3 165 2 844 2 258 3 259 3 273 1 995 923 498 239
Operating Income 2 785 10 364 12 031 12 375 14 473 14 207 10 106 6 390 3 791 2 129
Personnel Expenses -813 -3 825 (3 823) (3 236) (3 530) (3 897) (2 997) (2 190) (1 105) (677)
Administrative Expenses -459 -2 838 (2 426) (2 345) (1 813) (1 965) (1 393) (1 039) (716) (513)
Net Profit 726 -1 120 (2 075) (1 585) 50 3 113 3 270 2 193 1 978 172
Key Ratios, % 9M'18 2017 2016 2015 2014 2013 2012 2011 2010 2009
Net Interest Margin 4.2 6.9 7.3 6.4 10.2 11.1 11.7 11.8 10.0 18.5
Cost-to-Income 45 64 52 46.0 37.4 38.3 43.4 50.5 48.0 55.9
RoAA 0.3 -1.0 (1.5) -1.2 0.04 3.0 4.3 4.3 6.4 1
IFRS financial statements