Подзаголовки Arial Bold 12pt BUSINESS OVERVIEW€¦ · Подзаголовки Arial...

39
BUSINESS OVERVIEW FOR FINANCIAL INSTITUTIONS OCTOBER 2020

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BUSINESS OVERVIEW

FOR FINANCIAL INSTITUTIONS

OCTOBER 2020

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CONTENTS

Bank overview, shareholders and management.…………..….…………………………………………… 4

Main business segments……...……………………………………………………………………………….. 7

Bank’s strategy….…………………………………………………………………………………………………………..

Clients………………………………………………………………………………………………………........................

Corporate banking …………………………………………………………………………………………………………

Trade finance………………..………………………………………………………………………………………………

International business….…………………………………………………………………………………………………..

Track records with ECAs, OPIC & EXIAR………………………………………………………………………………….

SME lending……….………………………………………………………………………………………………………..

Retail banking…….…………………………………………………………………………………………………………

Plastic cards, deposits and e-banking overview…………………………………………………………………….…..

Financial rehabilitation of INVESTTRADEBANK…………………………………………………………………………….

8

10

11

12

13

14

16

17

18

19

Regional presence…………..…….……………………………………………………………………………… 21

Full customer service for financial institutions “Bank for Banks”……………………………………… 23

“Bank for Banks” programm..…………………………………………………………………………………………….. Trade finance with CIS/SCO………………………………………………………………………………………………

Cooperation with EXIAR…………………………………………………………………………………………………..

Arrangement of syndicated loans…………………………………………………………………………………………

23

24

27

29

Capitalization and profitability ratios….………………………………………………………………………. 32

Balance sheet………………………………………………………………………………………………………………..

International and domestic funding………………………………………………………………………………………..

Key financial ratios…………………………………………………………………………………………………………..

Capital adequacy…………………………………………………………………………………………………………….

33

34

35

36

Liquidity management………………………………………………………………………………………….... 38

Contacts……………………………………………………………………………………………………………. 39

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BANK OVERVIEW,

SHAREHOLDERS AND

MANAGEMENT

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4

MARKET POSITIONING

TKB IS A UNIVERSAL FEDERAL-SCALE BANK

CORE BUSINESS FOCUS:

TOTAL ASSETS AND LOANS (RUBbn)

TOTAL EQUITY (RUBbn)

IN THE MARKET SINCE 1992

In October 2015 TKB started financial rehabilitation of

Investtradebank (ITB). Since February 2016 ITB entered the banking

group of TKB.

Сurrency Rates (RUB/USD): 2017 – 57.6002, 2018 – 69.4706, 2019 – 61.9057, 30.06.2020 – 69.9513

OUR GROWTH AND SIZE IN RUSSIA (Source: Profile Magazine and Expert RA)

TKB TKB+ITB

Assets #40 #26

Retail loans #44 #77

Equity #59 #59

Electronic banking #10 -

Mortgage #18 (Rusipoteka.ru) -

SME Loans #12 (Expert) -

Cooperation with EAEU/CIS

Environment #3

-

($4.0 bn)

($1,8 bn)

($0.3 bn) ($0.3 bn)

Corporate Lending

Loans: 35,2 RUB bn (21.8%)

SME Lending

Loans: 64,0 RUB bn (39.7%)

28 000 corporate and SME customers

Since 2010 TKB gradually increased retail exposure

Loans: 62,1 RUB bn (38.5%)

693 799 retail customers

TOP-10 AMONG RUSSIAN PRIVATE BANKS

TKB IS NOT INCLUDED IN ANY SANCTIONS LIST

146,4 122,3 130,3 123,5

249,4 257,2 275,4 279,9

31.12.2017 31.12.2018 31.12.2019 30.06.2020

Total Loans

Total Assets

20,0 18,3 18,9 19,5

26,3

21,1 21,1 21,5

31.12.2017 31.12.2018 31.12.2019 30.06.2020

Tier 1

Tier 1+Tier 2

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5

OWNERSHIP STRUCTURE

Group of Yuri Berezovsky

Financial investors

Managing shareholders

Family

17,5%

9,8%

0,2%

6,1%

18,3%

4,2% 2,7%

1,0%

8,2%

8,2%

8,1%

7,6%

8,1%

RIGVANS LLC

Insurance services and financial

consulting

Based in Moscow, Russia

Due to geopolitical situation in September 2015 the Board of Directors of EBRD and IFC decided to suspend investments in Russia and exit

from Russian projects. In July 2018, the shares of EBRD and IFC were purchased by financial investors.

YURI BEREZOVSKY

Shareholder since 2020

TATYANA ORLOVA + DAK LLC

Shareholder since 2018

ELCRIP LLC

Market trends research

Based in Moscow, Russia

LIBERTY 1 LLC

Investment activities

Based in Moscow, Russia

TSENTRALIYA LLC

Marketing research and

financial consulting

Based in Moscow, Russia

VBB Invest LLC Insurance services and financial

consulting

Based in Moscow, Russia OTHER

Minority stakes GOIYA Service LLC

Marketing research and wholesale

Based in Moscow, Russia

OLGA GRYADOVAYA

Chairman of the Board of Directors

Management of the Bank since 2000

Shareholder since 2000

LEONID IVANOVSKI

Member of BoD

Shareholder since 2000

TOP-MANAGEMENT OF

BANK

EVGENII IVANOVSKI

Chairman of the Management Board

Shareholder since 2013

Financial

investors

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6

CLEAR AND TRANSPARENT GOVERNANCE

Oleg Smirnov

20+years of experience in finance

Professor of Ural Federal University

Former Chairman of the Moscow Bank

Sberbank of Russia

Credit Committees

Risk Management Committee

Limit Committee

BOARD OF DIRECTORS

Evgenii Ivanovskii, Chairman of the Management Board

15+years of experience in finance

MANAGEMENT BOARD

Leonid Ivanovski, 22 years of experience

as Notary public

Boris Kazakov, 30+years of experience in finance,

former CEO of NorNIckel

Technological

Committee

Vladimir Mau Rector of the Russian Presidential

Academy of National Economy and

Public Administration

Anton Selivanovski Associate Professor, PhD in Law,

Experience in PWC,

Head of Audit and

Risk Committee of TKB

Internal Audit

Committee

Audit & Risk

Committee

Corporate Governance and

Remuneration Committee

Bank Board

(Vice-presidents)

GENERAL SHAREHOLDERS

MEETING

Roman Mironchik 10+ years of experience in investment

companies

- independent directors

Asset Liability Committee Tariff Committee

Olga Gryadovaya, Chairman of the Board of Directors

(Professor of Economics

70+ scientific publications)

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MAIN BUSINESS

SEGMENTS

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8

STRATEGY OF THE GROUP: SUSTAINABLE DEVELOPMENT AND

DIVERSIFICATION 1/2

Corporate MSME Retail Businesses with annual sales

over RUB1bn and number of employees more than 250

Businesses with annual sales

less than RUB1bn and number of

employees less than 250*

Mass и mass affluent

Main clearing and anchor (home)

bank for corporate clients

Main clearing and anchor (home)

bank for SME clients Monoliner for individual clients

Upper medium corporate businesses

Maximum single loan limit: up to RUB600mln

Marketable collateral

21,8% of total loan book

SME and micro businesess Maximum single loan limit: up to

RUB600mln Marketable collateral

39,7% of total loan book 38,5% of total loan book

Main target segment: residents of cities with population of 500K+

Single loan limit: up to RUB10mln

Business focus:

Customer profile:

Share:

Summary:

* Small business, incl. microlending with annual turnover less than RUR400mln

Low industry concentration (diversification) based on the own experience

Core focus in lending Digital banking development

Building market strength in mortgage lending

Digital banking development Products range extension Mortgage loans securitization

Low industry concentration (diversification) based on the own experience

Lending via cooperation on the financial markets

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STRATEGY OF THE GROUP: KEY PRIORITIES 2/2

COMPETITIVE POSITION

• High rankings in mortgage lending

• Flexible IT platform

• Stable position on the corporate lending markets

• Brand awareness in the regions of Group’s presence

• Brand awareness in EAEU/CIS/SCO countries

SOURCE OF CAPITAL

• Subordinated loans

• Additional shares issuance

• Profit generated by the Group

SOURCE OF FUNDING

• Deposits from individuals: constant updating of deposit products – focus on commercial customers

• Bond issuance stock programs

• Deposits from legal entities: attraction (win-back) for customer service due to expansion of product line and service quality increase

• Securitizations (RMBS and ABS)

9

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10

BANK CLIENTS

АФЖС

РОСНЕФТЕГАЗ

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11

CORPORATE BANKING OF TKB GROUP

LOANS BY INDUSTRY

CORPORATE LOANS AS OF 30 JUNE 2020 AMOUNTED TO 99,2 RUBbn

24%

15% 13%

12%

7% 6%

4% 4% 4% 3%

2% 2%

4%

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12

CORPORATE BANKING: TRADE FINANCE

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

TRADE FINANCE FOCUS

COOPERATION WITH ECAs

TKB established long-term relationship with major ECAs worldwide:

(1) Excluding syndicated term loans

(2) Includes perfumery, clothing, shoes, pharmaceutical, textile, printing, oil products & metals

TRADE FINANCE BY INDUSTRY As of 30 June 2020

TRADE FINANCE TURNOVER(1)

(2)

69 67 54 137 69

#136

#122

#76 #79

#31

2016 2017 2018 2019 1H2020

Turnover, USD M # Number of deals

2%

25%

73%

Food & agricultural products

Machinery, equipment & vehicles

Consumer non-durables (non-food)

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INTERNATIONAL BUSINESS: BANKS - PARTNERS

REPUTATION OF A RELIABLE AND PROFESSIONAL PARTNER ENABLES TKB TO SUCCESSFULLY DEVELOP COOPERATION

WITH BANKS ALL OVER THE WORLD

BNP-Paribas

Societe Generale

CITI

UBI Banca

Monte dei Paschi di Siena

UniCredit

Intesa SanPaolo

Banca popolare dell’Emilia Romagna

Banco Popolare Group

Banca Popolare di Sondrio

RBI

UBS

Credit Suisse

BCP

Deutsche Bank

Commerzbank

AKA Export Finance Bank

LBBW

Helaba

UniCredit Germany

BHF Bank

и другие

Svenska Handelsbanken

KBC Bank NV

ING Bank

Nordea Bank

CSOB

ICBC

Bank of China

Harbin Bank

Bank of Communications

Ziraat Bank

Akbank

Kuveyt Türk

Aktif Bank

KEB HANA BANK

Kookmin Bank

Vietcombank

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CORPORATE BANKING: TRACK RECORDS WITH ECAs & OPIC 1/2

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 2/2

RUB 30 000 000

Financing of sulfur export

deliveries to Singapore and

UK

RUB 10 000 000

Financing of tea export

deliveries to Belarus

RUB 15 000 000

Financing of mining

equipment export deliveries

to Kazakhstan

USD 207 730

Financing of GAZ

vehicles export deliveries

to Nicaragua

RUB 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

RUB 22 000 000 (2 projects)

Financing of mining

equipment export deliveries

to Kazakhstan

2016

2015 2015

2016

RUB 15 000 000

Financing of mining

equipment export deliveries

to Kazakhstan

2017

2016

EUR 66 900

RUB 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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SME LENDING: OVERVIEW

DEVELOPMENT OF MICRO AND SMALL

BUSINESS LENDING

Since 2006 ТКБ started to increase SME’s lending

#12 by SME loans in Russia

39.7% of total loan portfolio – RUB 64,0 bn

PARTICIPATION IN STATE SME SUPPORT

PROGRAMS:

Participant in State Support Programme of Ministry of Agriculture

Participant in State Support Programme of Ministry of Economic Development

PARTICIPATION IN STATE SME DEVELOPMENT PROGRAMS:

RSMB Corporation Guarantee program exposure – RUB 4,81 bn

KEY SEGMENTS

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

ACRA assigned the highest rating AAA(ru.sf) to the collateralized bonds

issued within the SME loans securitization transaction of

TRANSKAPITALBANK

Currency Rates (RUB/USD): 30.06.2020 – 69.9513

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RETAIL BANKING

OVERVIEW (RUB bn)

RETAIL PORTFOLIO BY PRODUCT 1H 2020 VS 2019

RATES ON RETAIL DEPOSITS RATES ON RETAIL LOANS RETAIL BANKING DEVELOPMENTS

Strong focus on mortgages:

#18 by volume of mortgage portfolio

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

Outer circle = 1H2020

Inner circle = 2019

Note: Substantial growth of retail deposits is due to acquisition of ITB

(1) Rusipoteka as of 30 June 2020

(1)

Сurrency Rates (RUB/USD): 2017 – 57.6002, 2018 – 69.4706, 2019 – 61.9057, 30.06.2020 – 69.9513

8,5%

7,5% 7,3% 6,6%

2,5% 2,7% 3,0%

1,8%

1,5% 1,3% 1,4%

0,1%

2017 2018 2019 1H2020

RUR USD EUR

13,4% 12,2%

10,9% 10,8%

15,6%

18,7% 19,5%

9,4%

16,3% 16,7% 16,0% 13,3%

2017 2018 2019 1H2020

Mortgage Car loans Consumer loans

56,0 51,6 59,2 62,1

109,5 118,3

127,5 127,5

2017 2018 2019 1H2020

Retail loans

Retail deposits

91%

9%

92%

8%

Mortgage

Other 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 June 2020 - 104 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:

18

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19

FINANCIAL REHABILITATION OF INVESTTRADEBANK

INVESTTRADEBANK (ITB)

Key facts in July 2018:

12 July – Financial Rehabilitation Plan (FRP) was updated & approved

for up to 2030

16 July – liquidity tranche of 19,5 RURbn was extended up to 2030, %rate

was reduced to 0,51%

16 July – 5 RURbn was received from the DIA by ITB (total financial

support amounted to 72,4 RURbn)

23 July – all DIA’s tranches were extended up to December 2030

FUNDING FOR ITB REHABILITATION

19,5 19,5

29,7

47,8

72,4

16.10.2015 01.04.2018 16.07.2018

FINANCIAL REHABILITATION PLAN –

MAIN POINTS

Management and recovery of distressed assets

Moderate growth in lending and cross-sale of products

Interest rate risk hedging via investments in the State

Federal Bonds in the amount of 72,4 RURbn for up to

2030 at 8%

Guaranteed income from investments in securities (7.5%

of the Bank's margin between the cost of the tranches

from DIA for ITB’s rehabilitation and the return on OFZ

portfolio)

Long-term tranches (0,51%)

Short-term tranches (6,01%)

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REGIONAL

PRESENCE

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21

St-Petersburg

MOSCOW

Perm

Yekaterinburg

Saratov

Volgograd

Novosibirsk

Samarа

Voronezh

Penza

Ivanovo,Kineshma

Rostov-on-Don

Tyumen

Bryansk

Belgorod

Vladimir

Yaroslavl

Kostroma

Kazan

Khabarovsk

Barnaul

Syktyvkar Kaluga,Obninsk

Ryazan

Over 857K customers (individuals and corporate

customers) in 29 regions

69 points of sale:

HQ located in Moscow

46 credit-cash offices + operational offices

21 additional offices

1 Mortgage Center

49 cash advance offices

293 ATMs

2 106 payment terminals

2 359 card acquiring points

KEY FACTS

Krasnodar

REGIONAL PRESENCE (TKB + ITB)

Kaliningrad

Stary Oskol

N.-Novgorod

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FULL CUSTOMER SERVICE FOR

FINANCIAL INSTITUTIONS

«BANK FOR BANKS»

In 2019 Program “Bank for Banks” of TransKapitalBank became

the winner of National Banking Award in the nomination

“International Cooperation” NATIONAL BANKING AWARD

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23

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: China, Kazakhstan, Uzbekistan, Tajikistan, Moldova, Afghanistan, Turkmenistan, Turkey,

Mongolia, Vietnam, UAE, India

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

Arrangement of syndicated loans for banks of the CIS countries

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

Instant payments C2C/C2B via New payment platform “One Channel – All Russia”

PRODUCTS FOR BANKS-PARTNERS GEOGRAPHY OF INTERBANK COOPERATION

AZERBAIJAN

ARMENIA

BELARUS

GEORGIA

KAZAKHSTAN

KYRGYZSTAN

VIETNAM

MOLDOVA

TAJIKISTAN

UZBEKISTAN

TURKMENISTAN

MONGOLIA

UKRAINE

TURKEY

CHINA

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Issuance of Performance

Guarantee. Foods deliveries to

Kyrgyzstan from Kazakhstan

2019

KZT 92 600 000

Financing of petrochemical

products import to Mongolia

from Russia

2017 - 2020

USD 51 562 640

(7 tranches)

LC confirmation with post

financing. Dairy products

deliveries to Uzbekistan from

Russia

2019

EUR 500 000

LC confirmation with post

financing. Locomotive deliveries

to Uzbekistan from Russia

2019

USD 540 000

(2 tranches) Financing of household

equipment import to Mongolia

from China

2019

USD 396 000 LC confirmation with post

financing. Pharmaceutical

products deliveries to Uzbekistan

from Slovenia

2019

USD 3 500 000

Financing of materials for liquid

floor import to Belarus from

Russia

2019

BYN 362 420

Trade related loan

2020

EUR 20 000 000

Tenor 3 months

Trade related loan

2020

USD 2 000 000

Tenor 3 months

Trade related loan

2020

USD 10 000 000

Tenor 3 months

Trade related loan

2020

EUR 15 000 000

Tenor 3 months

Trade related loan

2020

USD 7 800 000

Tenor 1.5 years

FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS

«BANK FOR BANKS» TRADE FINANCE WITH CIS/SCO

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Trade related loan

2019

USD 5 000 000

Tenor 1 year

(2 tranches)

2019

USD 2 550 000

Tenor 1 year

(2 tranches)

Trade related loan

2019

USD 434 000

Tenor 1 year

Trade related loan

2019

RUB 250 000 000

Tenor 9 months

Trade related loan

2019

EUR 10 000 000

Tenor 1 year

Trade related loan

Financing of petrochemical

products import to Mongolia

from Russia

2019

USD 488 700

Trade related loan

2019

USD 10 000 000

Tenor 6 months

and 1 year

(2 tranches) Trade related loan

2019

USD 10 000 000

Tenor 1 year

(2 tranches)

Trade related loan

2019

USD 2 000 000

Tenor 6 months

2017 - 2019

Equipment for renovation of

turbines from Russia to

Ukraine

USD 373 000

RUB 46 329 405

Financing of printing equipment

to Belarus from Turkey

2019

EUR 198 770

Financing of equipment to

Belarus from Turkey

2019

EUR 181 850

FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS

«BANK FOR BANKS» TRADE FINANCE WITH CIS/SCO

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2017

EUR 20 000 000

Financing of MAZ vehicles

export deliveries from

Belarus to Russia

2016

EUR 6 000 000

Financing of rolled steel

export deliveries from

Belarus to Russia

2016

EUR 451 000

Financing of roughing filters

import from Russia to

Uzbekistan

USD 430 000 Financing of household

chemicals and demand

guarantee Air Transportation

import to Kyrgyzstan from Russia

2017 - 2019

USD 100 982

Financing of sportswear

import to Mongolia from USA

2018

RUB 8 000 000

Demand Guarantee

Deliveries of pipes from

Russia to Kazakhstan

2018

2017 - 2018

EUR 550 000

Financing of coffee import

from Italy and tyres import

from Russia to Belarus

2018

USD 316 356

Financing of printed wrapper

import to Mongolia from

Republic of Korea

2017 - 2018

USD 2 530 000

(5 tranches) Financing of food and

consumer goods import to

Mongolia from Russia

USD 120 000

(2 deals) Demand Guarantee

Deliveries of pasta to Moldova

from Russia

2018 - 2019

Financing of petrochemical

products import to Mongolia

from Russia

2018 - 2019

USD 15 625 000

(4 tranches) LC confirmation with post

financing. Vegetable oil

production line to Uzbekistan

from China

2019

USD 142 250

FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS

«BANK FOR BANKS» TRADE FINANCE WITH CIS/SCO

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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`sbank 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

RUB 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

RUB 8 504 090

RUB 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

RUB 6 404 500

USD 365 209

Financing of

caoutchouc deliveries

to Belorussia

RUB 161 160 000

2015

Financing of KAMAZ

vehicle chassis export

deliveries to Uzbekistan

RUB 16 586 500

2016

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PROGRAM «BANK FOR BANKS»:

ARRANGEMENT OF SYNDICATED LOANS FOR 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 21 syndicated loans for banks from Belarus,

Mongolia and Uzbekistan for the amount exceeding EUR 2 bln

Examples of arranged syndicated loan facilities

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PROGRAM «BANK FOR BANKS»:

ARRANGEMENT OF SYNDICATED LOANS FOR FIs

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PROGRAM «BANK FOR BANKS»:

ARRANGEMENT OF SYNDICATED LOANS FOR FIs

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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 June 2020

Including

Subordinated debt: 37%

Loans to customers Customer accounts

Financial

Assets (securities)

Cash

& equivalents (cash, NOSTRO)

Other assets

Deposits

from banks (incl. REPO-transactions)

Capital

Debt securities

issued

44%

40%

8%

8%

56%

1%

10%

20%

Including

Subordinated debt: 35%

Including

Retail loans (incl. mortgage): 45%

DIA facilities 11%

Other liabilities 2%

*Other assets includes deferred tax assets and property

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USD 70.000.000* Syndicated Loan

Libor + 2.95%

1+1 year

2008

34

INTERNATIONAL AND DOMESTIC FUNDING

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 USD60,000,000

L+4.10% 3 years

B Loan USD104,000,000

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 *

5-6 years

2011-2017

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

* Facility has been repaid

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

Mortgage Securities*

RUR 4,1bln. (tranche A)

19,6% Credit Enhancement

9,1%

28 years

2017

SME Securities

RUR 5 bln. (tranche A)

30% Credit Enhancement

9,25%

15 years

2018

USD 25,570,000 Repurchase of RegS at fixed price 50,00%

2018

USD 100,000,000 LT2 Issue

Consent Solicitation

10%

Perpetual

2020

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35

KEY FINANCIAL RATIOS

Audited IFRS/RAS

(RUBbn) 2018

TKB GROUP

(incl. ITB)

IFRS

2019

TKB

(excl. ITB)

RAS

1Q 2020

TKB

(excl. ITB)

RAS

2Q 2020

TKB

(excl. ITB)

RAS

3Q 2020

TKB

(excl. ITB)

RAS

Total Assets 257.1

160.1 169.1

169.9 181.7

Total Loans 122.3

91.4 91.7

87.0 90.5

Total Securities 95.6

23.4 26.8

25.2 29.2

Total Liabilities 240.2

144.2 152.1

154.7 162.5

Total Customer Accounts 143.5

83.5 90.5

87.9 90.9

Total Equity (Tier 1 + Tier 2) 21.1

15.9

16.9 17.4

25.1 Net Interest Income (Before provisions)

3.8 5.4

1.2

2.6

3.7 NPLs/Total Loans (90+ days overdue loans)

19.4% 10.6%

10.0% 12.8%

11.0%

Provisions/NPLs 93% 130%

145% 125%

136%

Profit 1.6 billion 1.2 billion 1.4 billion 0.7 billion 2.3 billion

AS OF 01/07/2020 and 01/10/2020 (RAS)

CBR MANDATORY RATIOS TKB (excl. ITB)

N1 (Capital Adequacy Ratio) Min. 8% 12.1% 16.1%

N2 (Quick Liquidity Ratio) Min. 15% 142.9% 97.9%

N3 (Current Liquidity Ratio) Min. 50% 152.9% 156.7%

N4 (Long-term Liquidity Ratio) Max.120% 39.7% 30.8%

In February 2016 TKB acquired ITB

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36

CAPITAL ADEQUACY OF TKB GROUP

In July 2020 TKB increased its capital by changing the terms of USD100 million subordinated Eurobond loan according to CBR Regulation No.

646-P dated 4 July 2018 "On the methodology for determining own funds (capital) of credit organizations ("Basel III"). These amendments will allow

the Bank’s capital to reach 24,2 billion rubles (39% increase), the adequacy ratio (Н1.0) – 15,74% (min 8%) in accordance with RAS standards.

In 2Q 2020 TKB made an additional issue of RUB 1 bn.

In April 2019 there was an additional capitalization in amount of RUB 2,5 bn.

On 16 July 2018 Financial Rehabilitation Plan (FRP) of Investtradebank (ITB) was updated & approved. The total funds provided by DIA in the frame

of the Financial Rehabilitation Plan was RUB 72.4 bn at 0,51% with maturity 27 December 2030

In April 2018 TKB increased Tier 1 by RUB 900 mio through perpetual subordinated loans + RUB 700 mio in 1Q2019

In 1Q 2018 there was an additional capitalization in amount of RUB 2,5 bn.

In 1Q 2018 shareholders (Ms. Tatiana Orlova) increased share capital by RUB 150 mio

In 3Q 2016 shareholders increased share capital by RUB 150 mio

In August 2016 TKB attracted a RUB 1.5 bn subordinated loan by means of subordinated bonds placement on MICEX

In May 2016 DIA provided a RUB 100 mio subordinated loan to TKB in frame of the OFZ Recapitalization Program

COMMENTS:

MANAGEMENT OF CAPITAL (RUBbn)

For the period of 1Q2018 -

1Q2019 total volume of

the support to T1 Equity

from TKB shareholders

reached RUB 6,8 billion

(over US$100 mln.)

(capital adequacy ratio as of RAS)

Сurrency Rates (RUB/USD): 2017 – 57.6002, 2018 – 69.4706, 2019 – 61.9057, 30.06.2020 – 69.9513

20,0 18,3 18,9 19,5

26,3

21,1 21,1 21,5

13,6%

10,1%

13,3% 14,0%

12,5% 12,1% 13,8%

12,1%

2017 2018 2019 1H2020

Tier 1 Total Basel II Capital CAR Н1

6,5

Increase of the Bank’s Capital

by RUB 6,5 billion due to

prolongation of $100 million

subordinated loan

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LIQUIDITY

MANAGEMENT

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38

LIQUIDITY MANAGEMENT OF TKB GROUP

LIQUIDITY BUFFER As of 30 June 2020 (RUBbn)

SECURITY PORTFOLIO STRUCTURE As of 30 June 2020

CORPORATE BONDS BREAKDOWN As of 30 June 2020

73.2

RUBbn

28 RUBbn 14 RUBbn

LIQUIDITY BUFFER As of 30 June 2020

21,8

42,1

9,3 Cash and cash equivalents

Federal bonds

Securities in CBR's Lombard list

Limits opened for the Bank Attraction by stress-test

87%

2% 2% 1% 1%

Ministry of Finance of Russia

VEB

DOM.RF

GAZ Capital SA

Ministry of Finance of Belarus

87%

9% 1% 1% Federal state bonds and CBR's bonds

Corporate bonds (from BBB- to BBB+)

Foreign state bonds

Corporate bonds (from B- to BB+)

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39

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

Vice-President,

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)

Mob.: + 7 (903) 104-12-81

E-mail: [email protected]