|
|
|
Fact sheet
| RUR mln |
2008 |
2009 |
1H 2010 |
| Balance sheet |
|
|
|
| Total assets |
67.4280 |
69.407 |
66.333 |
| Net cash loans |
53.650 |
47.925 |
49.547 |
| Customer deposits |
8.792 |
21.808 |
23.058 |
| Funds borrowed |
13.406 |
4.652 |
4.055 |
| Debt Securities |
11.452 |
19.299 |
18.198 |
| Shareholders' Equity |
11.516 |
12.615 |
13.428 |
| Income statement |
|
|
|
| Net interest income |
6.375 |
5.773 |
2.838 |
| Net Fee & Com income |
743 |
782 |
489 |
| Total operational income |
8.015 |
8.325 |
4.022 |
| Provision expense |
(2.751) |
(3.084) |
(492) |
| G&A |
(3.685) |
(3.328) |
(1.747) |
| Net Income |
1.199 |
1.528 |
1.443 |
| Key Ratios |
|
|
|
| Net Interest Margin |
12.2% |
9.5% |
8.9% |
| Cost/Income Ratio |
48.5% |
42.3% |
45.5% |
| Deposits/Loans |
16.4% |
45.5% |
46.5% |
| Gross NPL Ratio |
4.5% |
7.0% |
3.8% |
| Provision Coverage |
121.8% |
104.0% |
132.4% |
| Liquidity ratio |
|
|
|
| CAR |
18.6% |
19.8% |
22.3% |
| RoAE (After Tax) |
12.8% |
12.7% |
22.2% |
| RoAA (After Tax) |
2.0% |
2.2% |
4.3% | |
|
