Подзаголовки Arial Bold 12pt BUSINESS OVERVIEW · consulting and non...

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BUSINESS OVERVIEW

3Q 2017

FOR FINANCIAL INSTITUTIONS


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BANK OVERVIEW,

SHAREHOLDERS AND

MANAGEMENT


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16,017,8 18,7

23,4 23,5

21,124,1

28,0

32,330,4

31.12.2013 31.12.2014 31.12.2015 31.12.2016 30.09.2017

Tier 1

Tier 1+Tier 2

101,9125,5 121,3

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


21 751 corporate and SME customers

Since 2010 TKB gradually increased retail exposure


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 of

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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4

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


Member of BoD

Multinational financial organization based in

London, UK

AAA rated by all rating agencies


Member of BoD

Multinational financial organization based in

Washington D.C., USA

AAA-rated by all rating agencies


DEG is a wholly-owned subsidiary of KfW,

which is 100% owned by German

Goverment

AAA-rated by all rating agencies


EVGENY IVANOVSKIY

Deputy Chair of the Management

Board

Member of the Management Board


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


RIGVANS


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5

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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6

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-

orientated 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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8

DIVERSIFIED BUSINESS MODEL OF TKB GROUP

Corporate MSME Retail

Businesses with annual sales over 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



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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9

BANK CLIENTS

АФЖС

РОСНЕФТЕГАЗ

http://www.biotec.ru/

http://www.reso.ru/


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20%

11%

18%

9%

6% 6%5% 5% 4% 4% 4% 3%

2% 2% 1% 1% 0%2%

10

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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11

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

9069

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

http://www.kuke.com.pl/index.php

http://exim.hu/

http://www.coface.com/

http://www.exiar.ru/en/


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12

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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13

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


2004

USD 6 000 000

5 year loan

Construction Services

USD 885 000

5 years loan


2004

EUR 2 500 000

5 year loan


USD 885 000

5 years loan


2004

EUR 2 300 000

3.5 year loan


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


USD 10 000 000

1 year loan

Agricultural

Commodities

EUR 800 000

5 year loan


EUR 7 500 000

5 year loan


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

http://www.exim.gov/index.cfm


http://www.eulerhermes.com/group/en/index.html



http://finance.bleskove.net/galery/img_clanky/egap.jpg






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14

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


to Kazakhstan

2016

2015 2015

2016

RUR 15 000 000

Financing of mining


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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15

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,

outdoor, 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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16

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 of 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

33,437,5

57,3 55,8

33,741,0

46,9

113,0109,0

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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19

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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21

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

https://ru.wikipedia.org/wiki/%D0%9A%D0%B0%D0%B7%D0%B0%D1%85%D1%81%D1%82%D0%B0%D0%BD


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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 ofbuyer`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


Financing of GAZ

vehicles export


RUR 8 504 090

RUR 30 371 750

2015 2015 2015

Financing of oil

products export


Financing of oil

products export


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)

16,017,8 18,7

23,4 23,5

5,1 6,3

9,3 8,96,9

21,1

24,128,0

32,3

30,414,5% 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 commissionincome (RURbn)

Net interest income(RURbn)

Net interest margin

3,43,9

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

2,21,8

0,9

4,5

0,20,7

1,6

7,26,7

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 CentralBank under 312-P

Marketable securities

Potential interbank marketfunding

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: [email protected]

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


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


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


Mrs. Tatiana Trushkova

Head of Interbank Business Department,

FI and Export Financing Division

Tel.: +7 (495) 797-32-00 (ext. 2414)


http://www.transcapital.com





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