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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
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 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
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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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
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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9
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%
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
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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
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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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
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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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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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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22
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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23
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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24
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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26
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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31
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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33
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
E-mail: [email protected]
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: [email protected]
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: [email protected]
Mrs. Tatiana Trushkova
Head of Interbank Business Department,
FI and Export Financing Division
Tel.: +7 (495) 797-32-00 (ext. 2414)
E-mail: [email protected]
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