Webcast and Conference call 1H 2016 financial results

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1 Webcast and Conference call 1H 216 financial results 22 August 216 Vladimir Chubar CEO, Member of the Supervisory Board Eric de Beauchamp Senior Vice President

2 Financial highlights Key metrics of financial performance Income statement 6m216 6m215 Change, % Profit for the period increased significantly based on qualitative business growth Net interest income % Net fee and commission income % Profit for the period % NIM 3.5% 3.6% -.1 p.p. RoAE 1.7% 3.6% +7.1 p.p. Outstanding operating efficiency: CTI ratio 22.5% Loan portfolio quality improved: NPL ratio decreased to 5.% Cost of risk decreased to 5.2% Strong capital position Cost / Income 22.5% 29.5% -7. p.p. Balance sheet 1H Change, % Total assets 1, , % Loans to customers (gross) % Total equity % NPL 9+ / Gross loans 5.% 5.1% -.1 p.p. Total provisions / NPL 147.9% 113.7% p.p. Cost of risk 5.2% 5.4% -.2 p.p. Tier 1 Capital Ratio 1.6% 9.2% p.p. Total CAR 17.6% 16.5% +1.1 p.p. 2

3 Business highlights: corporate lending is a key driver Loan book (gross) dynamics Corporate and retail loan book breakdown (1H216) % 5% 7% 8% 18% 13% 2% 21% 3% % % 82% 9% 9% 1% 9% 74% 266-7% % % Oil & chemicals Financial Auto Services Food and farm Metallurgical Car loans Mortgage loans Credit card loans Construction Property rental Other loans to individuals Retail loan book Corporate loan book Industrial construction Other Strategic Pillars Corporate lending Retail lending Focus on increasing contribution of larger corporates Well-diversified loan portfolio Synergies with cash handling business Target market segments are consumer loans and mortgage loans Tight individual customer selection for healthy portfolio quality Differentiated risk appetite based on customer segmentation 3

4 Constantly improving efficiency: CTI dropped to 22.5% Operating income Operating expenses Net interest income Net fee and commission income Other net income (loss) 29.1 Salaries and employment benefits Administrative expenses % Other expenses 1 Cost-to-income ratio 34.% 29.5% 22.5% +96% % m214 6m215 6m % +35% m214 6m215 6m216 Fee and commission income structure 4. +7% % 6.3 3% 11% 1% 26% 11% 11% 15% 12% 19% 7% 12% 4% 2% 17% 17% 16% 22% 18% 15% 14% 2% 6m214 6m215 6m216 Cash handling Plastic cards Settlements and wire transfers Other Guarantees and letters of credit Other cash operations Insurance contracts processing Interest income vs Interest expense and Provision 5.1% 3.6% 3.5% +45% % 38.7 (15.1) +87% (28.3) +26% (35.5) 6m 214 6m 215 6m 216 Interest expense % Net interest margin Interest income 1) Other expenses consist of depreciation of property and equipment and of provision for impairment of other assets and credit related commitments 4

5 Emphasis on highly liquid assets Asset structure High quality securities portfolio - Liquid assets +1% 1,28 1, % 7% 4% % % % Government and municipal bonds Corporate bonds Promissory notes 258 Corporate loans Retail loans Due from credit institutions Securities Cash Other The securities portfolio is used as a liquidity buffer with 75% of the portfolio qualified in the Lombard list of the Central Bank of Russian Federation Liquid assets represent 5% of total assets 5

6 Loan portfolio quality is under control Gross loan portfolio coverage by impairment allowance % 6.5% 5.9% 4.8% 5.2% 15 1H215 3Q Q216 1H216 NPL 1 and provisioning dynamics 148% 114% 122% 97% 16% H215 3Q Q216 1H216 NPL (Corporate loans) NPL (Retail loans) Loans to customers, gross LLP/Gross loans NPL coverage ratio Impairment allowance (total), incl. Cost of risk and NPL dynamics Related party lending concentration is immaterial 4.1% 4.4% 5.4% 4.5% 5.2% (% of Gross loans).64% 4.9% 4.9% 5.1% 5.4% 5.%.26%.23%.18%.13% 1H215 3Q Q216 1H216 1H215 3Q Q216 1H216 NPL 9+/gross loans 1 COR 2 1) NPLs are loans with payments that are overdue >9 days 2) Cost of risk ratio is calculated as impairment allowance net charge (annualised) to average loan portfolio for the period 6

7 NPL coverage by provisions maintained at a safe level Corporate Loan Book Retail Loan Book % Cost of Risk % LLP / NPL % 4.4% 6.1% 97% 96% 99% % % % Gross Loans NPL 9+ Loan Loss Provisions Ratio 1.2 Gross Loans NPL 9+ Loan Loss Provisions Ratio 2. NPL coverage & Cost of Risk Retail NPLs and LLPs, by product type (1H216, % of gross loans) 828% 2.% 5.8% 121% 5.% 167% 99% 95% 7.9% 7.8% 4.6% 4.4% 56% 1.3% 5.8% 7.2% 116% 8.4% LLP/NPL Cost of Risk Retail Total Auto Loans Mortgage Loans Cash Loans and Credit Card Loans NPL LLP % LLP / NPL 9+ 7

8 Customer deposits remain the main source of funding Liabilities breakdown Bonds repayment schedule +1% 1,116 1, % 6% % Domestic Bonds Eurobonds Securitization % % Customer accounts growth in 2Q 216 came both from corporate customers and individuals % Additional unused liquidity sources in the amount of more than RUB 35 bln are available from the CBR Other Customer accounts Deposits by CBR Deposits by credit institutions Bonds issued 8

9 Strong capital position IFRS capital adequacy ratios (Basel III) RAS capital adequacy ratios % 16.5% 1.5% 9.2% 17.6% 1.6% % 14.2% 7.6% 8.2% 8.2% 7.6% 14.8% 8.% 8.% Min N1.=8% Min N1.2=6% Min N1.1=4.5 Tier I Capital Total Basel Capital Capital Adequacy Ratio Tier I CAR July 216 Н1. Н1.1 Н % Risk-weighted assets Capital inflows in % 74% % 1% 8% 6% 4% 2% % RUB 29.7 billion IPO and SPO on MOEX RUB 2.2 billion subordinated debt from the DIA USD 3 million subordinated debt from a corporate customer (Tier II capital) In accordance with dividend policy all net income is capitalized Operational risk Banking book Trading book RWA / Total assets 1) RAS CAR calculation does not include adjustments on capital relief suggested by CBR in December 214 9

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