ЗАГОЛОВКОК Подзаголовки BUSINESS OVERVIEW Выделение в тексте Основной Сноски 2016 FOR FINANCIAL INSTITUTIONS
ЗАГОЛОВКОК Подзаголовки Выделение в тексте Основной Сноски BANK OVERVIEW, SHAREHOLDERS AND MANAGEMENT
ЗАГОЛОВКОК MARKET POSITIONING Подзаголовки TKB IS A UNIVERSAL FEDERAL-SCALE BANK Выделение в тексте TOTAL ASSETS AND LOANS IN THE MARKET SINCE 1992 TKB + ITB (RURbn) ($4,1 bn) CAGR : 21% Total Loans OUR GROWTH AND SIZE IN RUSSIA Основной 249,1 Total Assets As of 31 December 2016 (Source: Banki.ru) 213,5 ($2,5 bn) 172,8 TKB TKB + ITB Сноски 152,1 140,9 125,5 121,3 Assets #40 #28 101,9 Corporate Loans #36 #27 Equity #42 #44 Factoring #13 (Magazine Expert) - 31.12.2013 31.12.2014 31.12.2015 31.12.2016 IFRS 2016 TOTAL EQUITY Mortgage #12 (Rusipoteka.ru) - (RURbn) CAGR : 14% SME Loans Tier 1 #10 (Magazine Expert ) - TKB + ITB Tier 1+Tier 2 ($0,53bn) 32,3 ($0,38 bn) 28,0 CORE BUSINESS FOCUS: 24,1 23,4 21,1 18,7 17,8 Corporate Lending 16,0 Loans: 50.6 RURbn. (30%) SME Lending Loans: 59.1 RURbn. (36%) 59 122 corporate and SME customers 31.12.2013 31.12.2014 31.12.2015 31.12.2016 IFRS 2016 Since 2010 TKB gradually increased retail exposure RELIABILITY: Loans: 57.3 RURbn. (34%) Moody ’ s: B1 564 781 retail customers Expert RA: А+ « High level of reliability » In October 2015 TKB started financial rehabilitation of Investtradebank (ITB). Since February 2016 ITB entered the Profile: TOP 10 most reliable Russian banks banking group of TKB. С urrency Rates (RUR/USD): 2013 – 32.7292, 2014 – 56.2584, 2015 – 72,8827, 2016 – 60,6569 3
ЗАГОЛОВКОК Подзаголовки OWNERSHIP STRUCTURE Выделение в тексте International shareholders OTHER Minority stakes of <5% Основной Multinational financial organization based in 5 top managers London, UK 6 legal entiities and 6 individuals not AAA rated by all rating agencies 20,9% Сноски involved in day-to-day management of the Shareholder since 2006 bank 28,3% Member of BoD LEONID IVANOVSKIY Shareholder since 2000 12,2% Member of BoD Multinational financial organization based in 7,6% 0,2% Washington D.C., USA Russian shareholders AAA-rated by all rating agencies (family) 9,0% Shareholder since 2011 21,8% EVGENY IVANOVSKIY DEG is a wholly-owned subsidiary of KfW, Deputy Chair of the Management which is 100% owned by German Board Goverment OLGA GRYADOVAYA Member of the Management Board AAA-rated by all rating agencies Chair of the Management Board and Member of Shareholder since 2013 Shareholder since 2007 BoD Day-to-day management of the bank since 2000 Shareholder since 2000 4
ЗАГОЛОВКОК Подзаголовки CLEAR AND TRANSPARENT GOVERNANCE Выделение в тексте Audit & Risk Internal Audit Corporate Governance and Remuneration Committee Committee Committee Основной Сноски Boris Kazakov, Arvid Tuerkner GENERAL SHAREHOLDERS Chairman of BoD Director of Regional Development MEETING 30+years of experience in finance, Russia former CEO of NorNIckel Leonid Ivanovski Dietz Marina BOARD OF DIRECTORS Notary public Vice-President, FI Igor Yurgens Vladimir Mau Olga Gryadovaya, President of All-Russian Head of the Russian Presidential Chair of Management Board Insurance Association, Academy of National Economy and (Professor of Economics; Chairman of Corporate Governance Public Administration 70+ scientific publications) and Remuneration Committee Alexey Vorobiev Sergey Shibaev Bank for Development & Foreign Chairman of Audit & Risk Economic Affairs, VEB MANAGEMENT BOARD Committee, former PwC Partner - Independent members Bank Board Technological Limit Credit Risk Management (Vice-presidents) Committee Committee Committee Committee 5
ЗАГОЛОВКОК Подзаголовки SUPPORT FROM INTERNATIONAL SHAREHOLDERS Выделение в тексте EBRD, DEG & IFC (“IFIS”) BENEFITS FACILITIES FROM INTERNATIONAL SHAREHOLDERS Collaboration with EBRD, DEG and IFC allows the Bank to Trade Facilitation Program $50 M Основной access international funding and provide competitive products Mortgage Finance* $5 M Micro lending & SME* $6 M EBRD is an active Member of BoD and help TKB shape its Сноски Micro lending* $10 M business in line with best international business standards Micro lending & SME* $13 M IFIs facilitate their international agenda through offering purpose- Subordinated Loan* Rb572 M orientated funding facilities through TKB (such as energy Energy Efficiency Residential Rb750 M Program efficiency, micro and SME lending, mortgage) Energy Efficiency Industrial $12.5 M Program The support of AAA-rated institutions helps TKB in accessing international markets and establishing business links with foreign SME & Leasing* $15 M banks & companies Mortgage Finance* $10 M Global Trade Finance Program $90 M Energy Efficiency Program* $18 M Syndicated Loan (B Tranche)* EUR116 M Syndicated Loan A + B* $164 M Energy Efficiency and Gender $ 50 M + EUR20 M Finance * Facility has been repaid 6
ЗАГОЛОВКОК Подзаголовки Выделение в тексте Основной Сноски MAIN BUSINESS SEGMENTS
ЗАГОЛОВКОК Подзаголовки DIVERSIFIED BUSINESS MODEL OF TKB GROUP Выделение в тексте Основной Сноски Retail Corporate MSME Mass и mass affluent Businesses with annual sales Businesses with sales less than over Rb1bn and number of Rb1bn and number of employees Focus on 1) secured loans 2) Business focus: employees more than 250 unsecured loans to employees of less than 250* corporate customers Current & term accounts Overdrafts Mortgages Guarantees Long- & medium-term financing Consumer & auto loans Trade finance Factoring & leasing Internet & mobile banking Overdrafts Cash collection, card processing Deposits Top products: Factoring & leasing & payment processing Payments & payroll projects 30% of total loan book 36% of total loan book 34% of total loan book Share: Added-value services and important Higher margin lending and alternative Bank ’ s core focus in lending Summary: funding base funding base * Small business, incl. microlending with annual turnover less than 400RURmln. 8
ЗАГОЛОВКОК Подзаголовки BANK CLIENTS Выделение в тексте Основной Сноски АФЖС РОСНЕФТЕГАЗ 9
ЗАГОЛОВКОК Подзаголовки CORPORATE BANKING OF TKB GROUP Выделение в тексте LOANS BY INDUSTRY (1) Основной Corporate loans as of 31 December 2016 amounted to 109,7RURbn 19% Сноски 16% 9% 9% 7% 6% 6% 5% 4% 3% 3% 2% 2% 2% 2% 2% 2% 2% Note: Increase of construction sector is due to consolidation with ITB (1) As of 31 December 2016 10
ЗАГОЛОВКОК Подзаголовки CORPORATE BANKING: TRADE FINANCE 1/4 Выделение в тексте TRADE FINANCE FOCUS TRADE FINANCE TURNOVER (1) TKB offers a wide range of comprehensive trade finance products, 339 Основной including: letters of credit (with financing / discounting options) guarantees / standby LCs #227 208 Сноски bilateral trade-related loan facilities (including PXF) TKB has developed various financing structures aimed at arranging #125 #136 #187 medium- to long-term (3 to 7 years) ECA-covered financing to support 90 69 imports of capital goods into Russia TKB supports Russian exports to CIS and EEU under EXIAR cover 2013 2014 2015 2016 Well-recognized international financial institutions take exposure on TKB in Trade Finance area (next slide) Turnover, USD M # Number of deals COOPERATION WITH ECAs TRADE FINANCE BY INDUSTRY As of 31 December 2016 TKB established long-term relationship with major ECAs worldwide: Food & agricultural products 12% 24% Machinery, equipment & vehicles (2) Consumer non-durables (non-food) 33% 31% Electronics & home appliances (1) Excluding syndicated term loans (2) Includes perfumery, clothing, shoes, pharmaceutical, textile, printing & household products 11
ЗАГОЛОВКОК Подзаголовки CORPORATE BANKING: TRADE FINANCE 2/4 Выделение в тексте Nordea Bank Danske Bank Svenska Handelsbanken Основной Deutsche Bank Commerzbank Сноски AKA Export Finance Bank LBBW ING Bank Helaba UniCredit Germany BHF Bank and others UBS BCP DB Trust Company Americas CITI Credit Suisse KBC Bank NV Bank Gospodarstwa Krajowego BNP-Paribas Societe Generale ICBC CSOB La Caixa UOB UBI Banca Monte dei Paschi di Siena UniCredit Intesa SanPaolo Banca popolare di Vicenza RBI Banca popolare dell’Emilia Romagna UniCredit Bank Austria Banco Popolare Group Raiffeisenlandesbank REPUTATION OF A RELIABLE AND PROFESSIONAL PARTNER ENABLES TKB TO SUCCESSFULLY DEVELOP COOPERATION WITH BANKS ALL OVER THE WORLD 12
Recommend
More recommend
