BUSINESS OVERVIEW 3Q 2017 FOR - PowerPoint PPT Presentation

ЗАГОЛОВКОК Подзаголовки BUSINESS OVERVIEW Выделение в тексте Основной Сноски 3Q 2017 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 (RURbn) Total Loans TKB + ITB CAGR : 15% OUR GROWTH AND SIZE IN RUSSIA 249,1 Total Assets ($4 bn) Основной 239,3 ($4 bn) As of 30 September 2017 (Source: Profile Magazine and Expert RA) 213,5 172,8 152,1 146,8 TKB TKB+ITB Сноски ($2,5 bn) ($2,5 bn) 140,9 #42 #29 125,5  Assets 121,3 101,9 #41  Retail loans #41 #43 #24  Equity -  Factoring #13 ( Эксперт ) 31.12.2013 31.12.2014 31.12.2015 31.12.2016 30.09.2017  Mortgage #12 (Rusipoteka.ru) - TOTAL EQUITY  SME Loans #10 ( Эксперт ) - (RURbn)  Cooperation with EAEU/CIS CAGR : 11% Tier 1 #5 - Environment TKB + ITB Tier 1+Tier 2 32,3 ($0,5 bn) 30,4 ($0,5 bn) 28,0 23,5 23,4 CORE BUSINESS FOCUS: 24,1 ($0,4 bn) ($0,4 bn) 21,1 18,7 17,8  Corporate Lending 16,0 Loans: 45.2 RURbn. (27%)   SME Lending Loans: 64.2 RURbn. (39%)   21 751 corporate and SME customers 31.12.2013 31.12.2014 31.12.2015 31.12.2016 30.09.2017  Since 2010 TKB gradually increased retail exposure RELIABILITY: Loans: 55.8 RURbn. (34%)   Moody ’ s: B1 496 655 retail customers   Expert RA: ru А - « Medium 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, 30.09.2017- 58.0169 3

ЗАГОЛОВКОК Подзаголовки OWNERSHIP STRUCTURE Выделение в тексте International OTHER shareholders  Minority stakes of <5%  5 top managers Основной  Multinational financial organization based in  5 legal entiities and 6 individuals not London, UK involved in day-to-day management of the 15,7% bank  AAA rated by all rating agencies Сноски 28,3%  Shareholder since 2006 RIGVANS  Member of BoD 5,19%  Insurance services, financial consulting and non-state pension support  Based in Moscow, Russia 12,2%  Shareholder since 2006  Multinational financial organization based in 7,6% 0,2% Washington D.C., USA LEONID IVANOVSKIY  AAA-rated by all rating agencies  Shareholder since 2000  Shareholder since 2011  Member of BoD 9,0% 21,8% Russian shareholders (family)  DEG is a wholly-owned subsidiary of KfW, EVGENY IVANOVSKIY which is 100% owned by German Goverment OLGA GRYADOVAYA  Deputy Chair of the Management  AAA-rated by all rating agencies Board  Chair of the Management Board and Member of  Shareholder since 2007  Member of the Management Board BoD  Shareholder since 2013  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 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  27% of total loan book   39% 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 CORPORATE LOANS AS OF 30 SEPTEMBER 2017 AMOUNTED TO 109,3 RURbn Основной Сноски 20% 18% 11% 9% 6% 6% 5% 5% 4% 4% 4% 3% 2% 2% 2% 1% 1% 0% Note: Increase of construction sector is due to consolidation with ITB 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 Сноски  208 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 #75 90 imports of capital goods into Russia 69 41 TKB supports Russian exports to CIS and EEU under EXIAR cover   Well-recognized international financial institutions take exposure on 2013 2014 2015 2016 3Q2017 TKB in Trade Finance area (next slide) Turnover, USD M # Number of deals COOPERATION WITH ECAs TRADE FINANCE BY INDUSTRY As of 30 September 2017 TKB established long-term relationship with major ECAs worldwide: Food & agricultural products 7% 14% Machinery, equipment & vehicles 32% (2) Consumer non-durables (non-food) 47% Electronics & home appliances (1) Excluding syndicated term loans (2) Includes perfumery, clothing, shoes, pharmaceutical, textile, printing & household products 11