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BUSINESS OVERVIEW
3Q 2017 FOR FINANCIAL INSTITUTIONS
Подзаголовки Выделение в тексте
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BUSINESS OVERVIEW 3Q 2017 FOR - - PowerPoint PPT Presentation
BUSINESS OVERVIEW 3Q 2017 FOR - - PowerPoint PPT Presentation
BUSINESS OVERVIEW 3Q 2017 FOR FINANCIAL INSTITUTIONS
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16,0 17,8 18,7 23,4 23,5 21,1 24,1 28,0 32,3 30,4 31.12.2013 31.12.2014 31.12.2015 31.12.2016 30.09.2017
Tier 1 Tier 1+Tier 2
101,9 125,5 121,3 152,1 146,8 140,9 172,8 213,5 249,1 239,3 31.12.2013 31.12.2014 31.12.2015 31.12.2016 30.09.2017
Total Loans Total Assets
3
MARKET POSITIONING TKB IS A UNIVERSAL FEDERAL-SCALE BANK
Corporate Lending
- Loans: 45.2 RURbn. (27%)
SME Lending
- Loans: 64.2 RURbn. (39%)
- 21 751 corporate and SME customers
Since 2010 TKB gradually increased retail exposure
- Loans: 55.8 RURbn. (34%)
- 496 655 retail customers
CORE BUSINESS FOCUS: TOTAL ASSETS AND LOANS
(RURbn)
TOTAL EQUITY
(RURbn)
CAGR: 15% CAGR: 11%
RELIABILITY:
Moody’s:
B1
Expert RA:
ruА- «Medium high level of reliability»
Profile:
TOP 10 most reliable Russian banks
IN THE MARKET SINCE 1992
TKB + ITB TKB + ITB In October 2015 TKB started financial rehabilitation
- f
Investtradebank (ITB). Since February 2016 ITB entered the banking group of TKB.
Сurrency Rates (RUR/USD): 2013 –32.7292, 2014 – 56.2584, 2015 – 72,8827, 2016 – 60,6569, 30.09.2017- 58.0169
OUR GROWTH AND SIZE IN RUSSIA
As of 30 September 2017 (Source: Profile Magazine and Expert RA)
TKB TKB+ITB
Assets
#42 #29
Retail loans
#41 #41
Equity
#43 #24
Factoring
#13 (Эксперт)
- Mortgage
#12 (Rusipoteka.ru)
- SME Loans
#10 (Эксперт)
- Cooperation with EAEU/CIS
Environment
#5
- ($4 bn)
($2,5 bn) ($0,5 bn) ($0,4 bn) ($2,5 bn) ($4 bn) ($0,4 bn) ($0,5 bn)
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OWNERSHIP STRUCTURE
OTHER
Minority stakes of <5% 5 top managers 5 legal entiities and 6 individuals not
involved in day-to-day management of the bank
OLGA GRYADOVAYA
Chair of the Management Board and Member of
BoD
Day-to-day management of the bank since 2000 Shareholder since 2000
LEONID IVANOVSKIY
Shareholder since 2000 Member of BoD Multinational financial organization based in
London, UK
AAA rated by all rating agencies Shareholder since 2006 Member of BoD Multinational financial organization based in
Washington D.C., USA
AAA-rated by all rating agencies Shareholder since 2011 DEG is a wholly-owned subsidiary of KfW,
which is 100% owned by German Goverment
AAA-rated by all rating agencies Shareholder since 2007
EVGENY IVANOVSKIY
Deputy Chair of the Management
Board
Member of the Management Board Shareholder since 2013
International shareholders Russian shareholders (family)
28,3% 7,6% 9,0% 21,8% 0,2% 12,2% 5,19% 15,7%
Insurance services, financial
consulting and non-state pension support
Based in Moscow, Russia Shareholder since 2006
RIGVANS
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CLEAR AND TRANSPARENT GOVERNANCE
Sergey Shibaev Chairman of Audit & Risk Committee, former PwC Partner Arvid Tuerkner
Director of Regional Development Russia
Alexey Vorobiev
Bank for Development & Foreign Economic Affairs, VEB Credit Committee Risk Management Committee Limit Committee
BOARD OF DIRECTORS Olga Gryadovaya,
Chair of Management Board (Professor of Economics; 70+ scientific publications)
MANAGEMENT BOARD Leonid Ivanovski
Notary public
Boris Kazakov,
Chairman of BoD 30+years of experience in finance, former CEO of NorNIckel Technological Committee
Vladimir Mau
Head of the Russian Presidential Academy of National Economy and Public Administration
Igor Yurgens President of All-Russian
Insurance Association, Chairman of Corporate Governance and Remuneration Committee Internal Audit Committee Audit & Risk Committee Corporate Governance and Remuneration Committee Bank Board (Vice-presidents)
GENERAL SHAREHOLDERS MEETING Dietz Marina
Vice-President, FI
- Independent members
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SUPPORT FROM INTERNATIONAL SHAREHOLDERS
Collaboration with EBRD, DEG and IFC allows the Bank to access international funding and provide competitive products
EBRD is an active Member of BoD and help TKB shape its business in line with best international business standards
IFIs facilitate their international agenda through offering purpose-
- rientated funding facilities through TKB (such as energy
efficiency, micro and SME lending, mortgage)
The support of AAA-rated institutions helps TKB in accessing international markets and establishing business links with foreign banks & companies
EBRD, DEG & IFC (“IFIS”) BENEFITS FACILITIES FROM INTERNATIONAL SHAREHOLDERS
Trade Facilitation Program $50 M Mortgage Finance* $5 M Micro lending & SME* $6 M Micro lending* $10 M Micro lending & SME* $13 M Subordinated Loan* Rb572 M Energy Efficiency Residential Program* Rb750 M Energy Efficiency Industrial Program* $12.5 M Global Trade Finance Program $90 M Energy Efficiency Program* $18 M Syndicated Loan (B Tranche)* EUR116 M Syndicated Loan A + B* $164 M SME & Leasing* $15 M Mortgage Finance* $10 M Energy Efficiency and Gender Finance* $ 50 M
* Facility has been repaid
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MAIN BUSINESS SEGMENTS
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DIVERSIFIED BUSINESS MODEL OF TKB GROUP
Corporate MSME Retail
Businesses with annual sales
- ver Rb1bn and number of
employees more than 250
Businesses with sales less than Rb1bn and number of employees less than 250*
Mass и mass affluent
Focus on 1) secured loans 2) unsecured loans to employees of corporate customers Added-value services and important funding base Bank’s core focus in lending Higher margin lending and alternative funding base
Current & term accounts
Guarantees
Trade finance
Overdrafts
Factoring & leasing
Payments & payroll projects
27% of total loan book
Overdrafts
Long- & medium-term financing
Factoring & leasing
Cash collection, card processing & payment processing
39% of total loan book
34% of total loan book
Mortgages
Consumer & auto loans
Internet & mobile banking
Deposits
Business focus: Top products: Share: Summary:
* Small business, incl. microlending with annual turnover less than 400RURmln.
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BANK CLIENTS
АФЖС
РОСНЕФТЕГАЗ
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20% 11% 18% 9% 6% 6% 5% 5% 4% 4% 4% 3% 2% 2% 1% 1% 0% 2%
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CORPORATE BANKING OF TKB GROUP
LOANS BY INDUSTRY CORPORATE LOANS AS OF 30 SEPTEMBER 2017 AMOUNTED TO 109,3 RURbn
Note: Increase of construction sector is due to consolidation with ITB
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CORPORATE BANKING: TRADE FINANCE 1/4
TKB offers a wide range of comprehensive trade finance products, including:
- letters of credit (with financing / discounting options)
- guarantees / standby LCs
- bilateral trade-related loan facilities (including PXF)
TKB has developed various financing structures aimed at arranging medium- to long-term (3 to 7 years) ECA-covered financing to support imports of capital goods into Russia
TKB supports Russian exports to CIS and EEU under EXIAR cover
Well-recognized international financial institutions take exposure on TKB in Trade Finance area (next slide)
TRADE FINANCE FOCUS COOPERATION WITH ECAs
TKB established long-term relationship with major ECAs worldwide:
(2)
(1) Excluding syndicated term loans (2) Includes perfumery, clothing, shoes, pharmaceutical, textile, printing & household products
TRADE FINANCE BY INDUSTRY
As of 30 September 2017
TRADE FINANCE TURNOVER(1)
339 208 90 69 41 #227 #187 #125 #136 #75 2013 2014 2015 2016 3Q2017 Turnover, USD M # Number of deals
7% 32% 47% 14%
Food & agricultural products Machinery, equipment & vehicles Consumer non-durables (non-food) Electronics & home appliances
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CORPORATE BANKING: TRADE FINANCE 2/4
REPUTATION OF A RELIABLE AND PROFESSIONAL PARTNER ENABLES TKB TO SUCCESSFULLY DEVELOP COOPERATION WITH BANKS ALL OVER THE WORLD
BNP-Paribas Societe Generale DB Trust Company Americas CITI UOB La Caixa UBI Banca Monte dei Paschi di Siena UniCredit Intesa SanPaolo Banca popolare di Vicenza Banca popolare dell’Emilia Romagna Banco Popolare Group RBI UniCredit Bank Austria Raiffeisenlandesbank UBS BCP Credit Suisse Deutsche Bank Commerzbank AKA Export Finance Bank LBBW Helaba UniCredit Germany BHF Bank and others Danske Bank Svenska Handelsbanken KBC Bank NV ING Bank Nordea Bank Bank Gospodarstwa Krajowego CSOB ICBC
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CORPORATE BANKING: TRACK RECORDS WITH ECAs & OPIC 3/4
TKB IS RECOGNIZED BY VARIOUS ECAS WHICH ENABLES TKB TO SUPPORT MEDIUM & LONG-TERM INVESTMENT PROJECTS OF ITS CUSTOMERS
USD 885 000 5 year loan Equipment & Services
USD 885 000 5 years loan Equipment & Services 2004
USD 6 000 000 5 year loan Construction Services
USD 885 000 5 years loan Equipment & Services 2004
EUR 2 500 000 5 year loan Equipment & Services
USD 885 000 5 years loan Equipment & Services 2004
EUR 2 300 000 3.5 year loan Equipment & Services EUR 1 200 000 5 years loan Power Equipment USD 10 000 000 3 year facility Agricultural Commodities EUR 1 200 000 4 year loan Equipment & Services USD 10 000 000 1 year loan Agricultural Commodities EUR 800 000 5 year loan Equipment & Services EUR 7 500 000 5 year loan Equipment & Services USD 15 000 000 7 year loan SME Lending EUR 1 300 000 5 year loan Plastic Packing Equipment EUR 1 800 000 5 year loan Packing Equipment SEK 30 000 000 5 year loan Wood-working Equipment EUR 850 000 5 year loan Plastic Packing Equipment EUR 6 800 000 5 year loan Oil Production Plant EUR 1 000 000 5 year loan Plastic Packing Equipment EUR 1 200 000 5 year loan Aviation Equipment EUR 5 000 000 5 year loan Power Equipment EUR 1 100 000 3 year loan Food Equipment EUR 15 500 000 5 year loan Power Equipment USD 51 000 000 7 year loan Warehouse Complex construction EUR 1 500 000 3.5 year loan Mineral Water Equipment EUR 1 600 000 5 year loan Metal sawing and drilling equipment 2004 2005 2006 2007 2007 2007 2007 2007 2007 2007 2007 2008 2008 2008 2008 2008 2008 2010 2011 2012 2012 2012 2013 2013
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CORPORATE BANKING: FINANCING RUSSIAN EXPORT WITH EXIAR 4/4
RUR 30 000 000
Financing of sulfur export deliveries to Singapore and UK
RUR 10 000 000
Financing of tea export deliveries to Belarus
RUR 15 000 000
Financing of mining equipment export deliveries to Kazakhstan
USD 207 730 Financing of GAZ
vehicles export deliveries to Nicaragua
RUR 3 000 000
Financing of crane export delivery to Belarus
USD 232 000
Financing of beet molasses export deliveries to Turkey Financing of designation equipment for metal industry export delivery to Spain
2015 2015
USD 500 000
Financing of beet molasses export deliveries to Turkey
2015 2015
RUR 22 000 000
(2 projects)
Financing of mining equipment export deliveries to Kazakhstan
2016 2015 2015 2016
RUR 15 000 000
Financing of mining equipment export deliveries to Kazakhstan
2017 2016
EUR 66 900 RUR 45 000 000
Financing of VAZ spare parts export deliveries to Cuba
2016
USD 700 000
(2 projects)
2017
Financing of GAZ, VAZ and KAMAZ vehicles export deliveries to Nicaragua
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MSME LENDING OF TKB GROUP
DEVELOPMENT OF MICRO AND SMALL BUSINESS LENDING
#10 by SME loans in Russia(1) 39% of total loan portfolio
3x growth in 8 years to 64,2RURbn
Active cooperation with development agencies:
- Participant in EBRD SME programmes in Russia
- Participant in SME Bank’s SME & EE programme
- Participant in IFC, EBRD and IIB’s EE programme
- Participant in IFC Gender Finance programme
- Participant in EXIAR Insurance Support Program for SME Exports
- Participant in State SME Corporation’s Guarantee Program
- Participant in RSMB Corporation’s Program 6,5
KEY SEGMENTS PARTICIPANTION IN MICRO, SME, EE AND GENDER FINANCE LENDING PROGRAMMES
(1) “Expert” magazine as of 1 January 2017
Marketing and product components:
Changes of product parameters in order to increase loyalty of existing
customer portfolio
Development and implementation of “product bundles” for all segments
(small and micro)
Development and introduction of multichannel marketing strategy: internet,
- utdoor, direct sales, partner network, etc.
Business development:
Transition to new operational model in all regional offices Development of combined model (scoring + verification) for micro business Business process optimisation (further development of Siebel CRM for
MSME sector, revision of regulations and more)
Increasing brand recognition in MSME sector Increasing CSS sales to clients 1 ABS SME transaction in pipeline
Participation in state SME development programs:
RSMB Corporation Guarantee program exposure – 2,4bln.rubles RSMB Corporation ‘s Program 6,5 exposure – 1,9bln.rubles $43 млн. €20 млн. €20 млн. Currency Rates (RUR/USD): 30.09.2017- 58.0169
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RETAIL BANKING
OVERVIEW
(RURbn)
RETAIL PORTFOLIO BY PRODUCT
3Q2017 VS 2016
RATES ON RETAIL DEPOSITS RATES ON RETAIL LOANS RETAIL BANKING DEVELOPMENTS
Strong focus on mortgages:
- #12 in Russia(1)
- New
products: revolving-line mortgage & commercial mortgages, floating rates mortgages
- 3 successfully placed RMBS transactions
Larger consumer loans continue to be available to borrowers participating in payroll card program & employees
- f
the corporate customers
Strong focus on operating efficiency and greater automation
(1) Rusipoteka as of 1 January 2017 Сurrency Rates (RUR/USD): 2013 –32.7292, 2014 – 56.2584, 2015 – 72.8827, 2016 – 60.6569, 30.09.2017- 58.0169 Outer circle = 3Q2017 Inner circle = 2016
Note: Substantial growth of retail deposits is due to acquisition of ITB
23,8 33,4 37,5 57,3 55,8 33,7 41,0 46,9 113,0 109,0 2013 2014 2015 2016 3Q2017 Retail loans Retail deposits 9,9% 15,8% 12,7% 10,5% 8,2% 5,5% 6,3% 4,9% 3,4% 1,2% 5,3% 5,6% 4,5% 2,8% 0,8% 2013 2014 2015 2016 3Q2017 RUR USD EUR 88% 10% 1% 1% 90% 9% 1%1% Mortgage Consumer loans Car loans Other 13,7% 13,9% 13,9% 13,4% 12,59% 14,9% 16,7% 17,5% 18,4% 15,37% 12,8% 15,9% 17,2% 17,2% 14,57% 2013 2014 2015 2016 3Q2017 Mortgage Car loans Consumer loans
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PLASTIC CARDS, DEPOSITS AND E-BANKING OVERVIEW
Principal member of Visa Int. and MasterCard Worldwide Member of the National System of Payment Cards As of 30.09.2017 - 185 thousand cards in circulation Own card and terminal processing centers Own terminal network (more than 670 payment terminals). Acceptance of payments in favor of more than 1100 public institutions (hospitals, policlinics, multipurpose
centers, schools, etc.) and commercial organizations (insurance companies, etc.)
ТОP-15 by collector services
PREMIUM CLASS CARDS - VISA INFINITE CARD provides exclusive access to special conditions and discounts in the sphere of trade and service all over the world PAYROLL CARDS – Debit card for receiving a salary within the contract with employer DEBIT CARDS – Debit card for any bank client CORPORATE CARDS – Debit cards for corporate customers INSTANT-ISSUE CARD – Instant-issue cards for payments to individuals within the projects with the Bank partners CREDIT CARDS – Bank card with credit limit and grace period for any bank client OVERDRAFT CARDS- Bank card with overdraft for payroll customers with 2 month interest-free use of proceeds INTEREST INCOME CARD – Debit card with interest accrual on demand balance GOLD MILE – Debit card with loyalty program for travelling clients
CARD PRODUCTS FOR CLIENTS OVERVIEW: 17
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REGIONAL PRESENCE
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St-Petersburg
Moscow
Perm Yekaterinburg
Saratov Volgograd
Rostov Novosibirsk Samarа Voronezh
Penza
Ivanovo
Stavropol
Tyumen
Маkhachkala
Bryansk Belgorod Vladimir Yaroslavl
Kostroma Kazan Omsk
Khabarovsk
Tomsk
Barnaul Syktyvkar Kaluga Ryazan Over 518K customers (individuals and corporate
customers) in 31 regions 112 points of sale:
HQ located in Moscow
20 branches
35 credit-cash offices + operational offices
55 additional offices
1 Mortgage Center
80 cash advance offices
353 ATMs
905 payment terminals
2 598 card acquiring points
KEY FACTS
Krasnodar
REGIONAL PRESENCE (TKB + ITB)
Kaliningrad Stary Oskol Nizhny Novgorod
Kineshma Nalchik
Ukhta
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FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS «BANK FOR BANKS»
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FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS «BANK FOR BANKS»
Strong presence in the Russian and CIS financial markets Creation of single settlement and payment space of the CIS Participation in intergovernmental commissions: Kazakhstan, Uzbekistan, Tajikistan, Moldova, Turkmenistan, Turkey, Mongolia, Afganistan Creation of infrastructure for ensuring business interests of the Banks’ clients
TRANSKAPITALBANK – KEY PARTNER OF EAEU/CIS, SCO
Multi-currency settlement business including national currencies Deposit and conversion operations including electronic access to the own currency
liquidity via TKB FX platform, REUTER FXALL, BLOOMBERG FXGO
Banknote operations. Purchase of the Bank’s of Russia coins from FI Russian export financing under insurance of EXIAR and under guarantees of
EBRD/IFC/ADB
Financing of trade contracts via instruments of documentary business for
clients of partner banks including under own financing, financing lines of foreign banks and under EBRD/IFC/ADB guarantees
Arrangement of syndicated loans for bank of the CIS countries
PRODUCTS FOR BANKS-PARTNERS GEOGRAPHY OF INTERBANK COOPERATION
AZERBAIJAN ARMENIA BELARUS GEORGIA KAZAKHSTAN KYRGYZSTAN LATVIA MOLDOVA TAJIKISTAN UZBEKISTAN TURKMENISTAN MONGOLIA UKRAINE
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PROGRAM «BANK FOR BANKS»: COOPERATION WITH EXIAR
EXIAR areas of activity:
Insurance cover of export credits against commercial and political
risks
Insurance cover of the Russian investments outside Russia from
political risks
TRANSKAPITALBANK – one of the main partners of the Russian Agency for Export Credit and Investment Insurance EXIAR
TRANSKAPITALBAK realized the basic product line of EXIAR:
Complex export credit insurance Supplier credit insurance Buyers' bank credit insurance Confirmed letter of credit insurance Export credit insurance for working capital financing (only for SME
customers)
Structure of financed Russian export covered by EXIAR in 2015-2017:
33% 22% 24% 21%
By type of credit product
Credit to buyer's bank Confirmed letter of credit of buyer`s bank with financing WC financing for SME suppliers Credit to suppliers under short- term receivables insurance
33% 23% 5% 21% 6% 6% 6%
By importing countries
Belarus Kazakhstan Uzbekistan Tajikistan Latin America Turkey Other countries
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TRACK RECORDS WITH EXIAR
Loan to the buyers’ bank
Confirmed letters of credit
Financing of KAMAZ vehicle chassis export deliveries to Uzbekistan Financing of wood chip board export deliveries to Uzbekistan Financing of GAZ vehicles export deliveries to Belorussia Financing of steel- teeming ladle deliveries to Belorussia
RUR 33 554 964
Financing of oil products export deliveries to Tajikistan
USD 300 000 2015
Financing of GAZ vehicles export deliveries to Belorussia Financing of GAZ vehicles export deliveries to Belorussia
RUR 8 504 090 RUR 30 371 750 2015 2015 2015
Financing of oil products export deliveries to Tajikistan Financing of oil products export deliveries to Tajikistan
2015 2015 USD 2 010 000 USD 350 000 2016 USD 606 000 2015 2015 RUR 6 404 500 USD 365 209
Financing of caoutchouc deliveries to Belorussia
RUR 161 160 000 2015
Financing of KAMAZ vehicle chassis export deliveries to Uzbekistan
RUR 16 586 500 2016
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PROGRAM «BANK FOR BANKS»: ARRANGEMENT OF SYNDICATED LOANS FOR CIS FIs
TKB acts as arranger of syndicated loans for CIS banks TKB has rich investor base and wealth of experience in arrangement of loans TKB develops the secondary market of syndicated lending TKB provides full range of services for arrangement of syndicated loans
Attraction of syndicated loans allows getting financing on favorable terms
TKB acted as Arranger of 12 syndicated loans for the CIS/SCO banks for the amount exceeding EUR 1.6bn
Examples of arranged syndicated loan facilities
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CAPITALISATION AND PROFITABILITY RATIOS:
ANALYSIS OF FINANCIAL RESULTS
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BALANCE SHEET OF TKB GROUP
ASSETS & LIABILITIES STRUCTURE
As of 30 September 2017
Including Subordinated debt: 37%
Loans to customers Customer accounts Financial assets Cash & equivalents Other assets Deposits from banks Capital Debt securities issued
61% 26% 6% 7% 58% 4% 14% 8%
Including Subordinated debt: 31% Including Retail loans: 36% Including Special-purpose financing: 38%
Other liabilities 16%
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USD 70.000.000*
Syndicated Loan
Libor + 2.95% 1+1 year 2008
27
INTERNATIONAL AND DOMESTIC FUNDING (TKB)
USD 70,000,000*
Syndicated Loan
Libor + 2.95% 1+1 year 2008 A Loan USD 60,000,000 L+4.10% 3 years
SYNDICATED LOANS STATE SUPPORT & DEVELOPMENT PROGRAMMES INTERNATIONAL BONDS DOMESTIC BONDS SECURITISATION
USD 164,000,000*
A+B Syndicated Loan
2010 A Tranche USD 60,000,000 L+4.10% 3 years B Loan USD 104,000,000 L+3.25% 1 year EUR 116,500,000*
Syndicated Loan
Euribor + 2.1% 1 year 2013 EUR 65,000,000*
Club Syndicated Loan
Euribor + 2.25% 1 year 2012 USD 175,000,000* RegS Senior Issue 9.125% 3 years 2007 USD 100,000,000 LT2 Issue 10NC5 10.50% 10 years 2007 USD 28,200,000* Repurchase of RegS Senior issue via Tender (MDA) 2009 2 Subordinated Loans from Vnesheconombank RUR 986,747,840 10 years 2009 Loan Facilities from SME Bank RUR 8,3bln. 5-7 years 2011-2023 RUR 1,800,000,000* Domestic Bond Issue 8.15% 5 years 2011 RUR 1,000,000,000 Subordinated Bond 13% 6 years 2012 RUR 2,000,000,000 Domestic Bond Issue 9.7% 10 years 2013 Mortgage Securities RUR 4,1bln.(tranche A) RUR 0,4bln. (tranche B) 8% 33 years 2013 29% 23% 25% 23% * Facility has been repaid
2013 2014
Note: Outstanding amount to SME Bank as of 30.09.2017 – 2,5 RURbn
2015
USD 100,000,000 LT2 Issue Consent Solicitation 10% 5 years 2015 Mortgage Securities RUR 4,7bln. (tranche A) RUR 0,4 bln. (tranche B) 11% 31 years 2016 31% 28% 21% 20% Mortgage Securities RUR 4,1bln. (tranche A) 19,6% Credit Enhancement 9,1% 28 years 2017 20% 31% 16% 32%
2016
24% 15% 18% 22% 21%
28% 19% 7% 46% Syndicated loans International bonds State development Domestic bonds Securitisation
3Q2017
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KEY FINANCIAL RATIOS
Audited IFRS (RURbn) 2013 2014 2015 2016 TKB GROUP 3Q 2017 TKB GROUP
Total Assets 140.9 172.8 213.5 249.1 239.3 Total Loans 101.9 125.5 121.3 152.1 146.8 Total Liabilities 124.9 155.0 194.8 225.4 215.6 Total Customer Accounts 81.5 93.9 100.8 145.0 138.1 Tier 1 Equity 16.0 17.8 18.7 23.4 23.5 Total Equity (Tier 1 + Tier 2) 21.1 24.1 28.0 32.3 30.4 Net Interest Income (After provisions) 5.6 5.6 2.4 2.3 2.8 Net Profit 2.2 1.8 0.9 4.5 0.1 NPLs/Total Loans (+90 days overdue loans) TKB 4.4% 4.5% 9.3% 12,7% 15.8% Provisions/NPL s TKB 135% 126% 99% 90% 73%*
CBR MANDATORY RATIOS (in acc with RAS)
N1 (Capital Adequacy Ratio) Min.8% 12,4% N2 (Quick Liquidity Ratio) Min.15% 86,8% N3 (Current Liquidity Ratio) Min.50% 91,5% N4 (Long-term Liquidity Ratio) Max.120% 103,5%
*The ratio is below 100 % as the Bank implements correction on the loan collateral. In February 2016 TKB acquired ITB
СTA 3.3% 2.8% 2.4% 2.5% 2.6% CAR 14.6% 14.5% 15.1% 13.9% 15.6%
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CAPITAL ADEQUACY OF TKB GROUP
As of 30 September 2017 CAR was 15,6%, well above BIS requirement of 8% In May 2016 DIA provided a 100RURmln. subordinated loan to TKB in frame of the OFZ Recapitalization Program. In the 3Q2016 Russian shareholders increased share capital by 150mln. rubles. In August 2016 TKB attracted a 1,5 RURbln. subordinated loan by means of subordinated bonds placement on MICEX During October 2015 -September 2017 DIA provided TKB with 46 RUBbn in the frame of the Financial Rehabilitation Plan of Investtradebank (ITB).
COMMENTS: MANAGEMENT OF CAPITAL
(RURbn)
16,0 17,8 18,7 23,4 23,5 5,1 6,3 9,3 8,9 6,9 21,1 24,1 28,0 32,3 30,4 14,5% 14,5% 15,1% 13,9% 15,6% 12,4% 12,3% 14,8% 12,2% 12,4% 2013 2014 2015 2016 3Q2017 Tier 1 Tier 2 Total Basel II Capital CAR Н1 Currency Rates (RUR/USD): 2013 – 32.7292, 2014 – 56.2584, 2015 – 72.8827, 2016- 60.6569, 30.09.2017- 58.0169
25RURbn– strategically important financial institutions
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CREDIT RISK AND QUALITY OF LOAN PORTFOLIO
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KEY PROFITABILITY RATIOS OF TKB GROUP
NET INCOME PRE-PROVISION INCOME
(RURbn.)
NET INTEREST AND COMMISSION INCOME CTA AND CTI DYNAMICS
Note: NIM = net interest income divided by interest earning assets (due from banks, debt related trading securities and repos, net loans to clients); Net banking income excludes provisions, net other income includes net commission income 6,2 7,1 8,9 9,1 7,2 1,4 1,7 1,9 2,0 1,7 5,0% 5,0% 5,2% 3,4% 3,5%
2013 2014 2015 2016 3Q2017
Net fee and commission income (RURbn) Net interest income (RURbn) Net interest margin
3,4 3,9 8,2 6,4 4,1 2013 2014 2015 2016 3Q2017 55,6% 53,4% 34,4% 50,7% 61,5% 3,3% 2,8% 2,4% 2,5% 2,6% 2013 2014 2015 2016 3Q2017 CTI CTA 2,2 1,8 0,9 4,5 0,2 0,7 1,6 7,2 6,7 3,6 2013 2014 2015 2016 3Q2017 Net income (RURbn) Provisions
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LIQUIDITY MANAGEMENT
32
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LIQUIDITY MANAGEMENT OF TKB GROUP
LIQUIDITY BUFFER
As of 30 September 2017 (RURbn)
SECURITY PORTFOLIO STRUCTURE
As of 30 September 2017
CORPORATE BONDS RATED FROM BB- TO BB+
As of 30 September 2017 8,0 7,0 12,7
Interbank limits in FC Interbank market funding by stress-test Interbank limits in RUR
LIQUIDITY BUFFER
As of 30 September 2017 (RURbn)
68,3 RURbn
77% 5% 18% Federal loan bond (from BBB- to BBB+) Corporate bonds (from BBB- to BBB+) Corporate bonds (from BB- to BB+) 12,3 0,6 48,4 7,0 Cash and cash equivalents Unutilized limit of the Central Bank under 312-P Marketable securities Potential interbank market funding 12% 16% 7% 54% Transneft VEB Sibur Gazprom
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CONTACTS
HQ: 1, Mashkova str. Moscow, 105062 Russian Federation Tel.: +7 (495) 797-32-00 Fax: +7 (495) 797-32-01 E-mail: info@tkbbank.ru Website: www.tkbbank.com
ADDRESS:
- Mrs. Stella Danielova
Vice-President, Director of FI and Export Financing Division Tel.: +7 (495) 797-32-00 (ext. 1569) Mob.: +7 (915) 454 45 54 E-mail: danielova_sg@tkbbank.ru
- Mrs. Elena Shirinskaya
Deputy Chairman of the Management Board, PhD in Economics Tel.: +7 (495) 797-32-00 (ext. 1948) Mob.: +7 (985) 765 31 68 E-mail: shirinskaya@tkbbank.ru
- Mrs. Anna Gorodnicheva
Deputy Director of FI and Export Financing Division Tel.: +7 (495) 797-32-00 (ext. 2309) Mob.: +7 (985) 997 39 71 E-mail: gorodnicheva_av@tkbbank.ru
- Mrs. Tatiana Trushkova
Head of Interbank Business Department, FI and Export Financing Division Tel.: +7 (495) 797-32-00 (ext. 2414) E-mail: trushkova_tm@tkbbank.ru