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INVESTMENT HIGHLIGHTS

AK BARS Bank No. 1 in Tatarstan1, with extensive local and federal network. (‘BBB’ Long-term foreign and local currency international-scale ratings of the Republic of Tatarstan. Outlook: Negative2).

Operating in one of the most economically developed regions in Russia:

Strong relationship with Tatarstan Government:

Dominant market position in the Republic of Tatarstan:

Extensive branch network in Tatarstan and across Russia:

Tailor-made clientele approach.

Effective infrastructure for asset investments and properties (Asset Management and Unit Funds).

Strong and experienced Management Team.

  1. According to the ‘Bank Bulletin’, published by the National Bank of the Republic of Tatarstan, as at 1st July, 2014, AK BARS Bank ranked 1st in the Republic of Tatarstan by assets.
  2. By ‘Fitch Ratings’ –  25 July, 2014

AK BARS Bank: RECENT DEVELOPMENTS:

AK BARS Bank: KEY RATIOS:

Key ratios FY2009 FY2010 FY2011 FY2012 FY2013 1H2014
Net loans / deposits 164.5% 112.4% 107.6% 116.5% 110.1% 121.8%
Provisions / gross loans 11.7% 12.5% 9.4% 9.3% 8.6% 8.1%
Deposits / assets 43.3% 54.8% 57.0% 55.2% 58.5% 55.1%
Equity / assets 12.8% 12.8% 9.3% 9.0% 8.9% 8.5%
Tier 1 capital ratio 14.1% 13.2% 9.4% 9.1% 9.7% 8.8%
Total capital ratio 17.6% 16.2% 11.8% 13.6% 14.5% 13.2%

Key ratios 1H2009 1H2010 1H2011 1H2012 1H2013 1H2014
Net interest margin 3.2% 4.1%2.2%3.2% 2.8% 2.9%
RoAA 0.7% (0.5%)0.0% 0.2% 1.0% 0.0%
RoAE 7.4%(4,4%)0.1% 2.2% 11.5% 0.5%
 

AK BARS Bank: FINANCIAL HIGHLIGHTS:

(USD in millions, at constant RUB/USD exchange rate1)

Balance sheet 2009 2010 2011 2012 2013 1H2014 GROWTH 09-1H2014
Cash and equivalents 600 497 563 1,071 1,170 981 163.5%
Securities portfolio (including direct repo) 478 924 1,407 901 1,585 1,630 341.2%
Due from other banks 107 90 102 116 28
21 19.5%
Gross loans 5,124 4,830 5,775 6,694 7,277 7,872 153.6%
Provisions (600) (603) (543) (622) (623) (636) 105.9%
Net loans 4,524 4,228 5,232 6,072 6,654 7,237 160.0%
Investment properties 259 682 764 787 353 352 135.6%
Other assets 384 442 464 493 532 558 145.3%
Total assets 6,352 6,863 8,532 9,439 10,322 10,779 169.7%
 
 
 
 
 
 

Due to other banks 634 323 1,201 1,114 821 1,186 187.0%
Customer accounts 2,751 3,762 4,863 5,213 6,043 5,940 215.9%
Securities issued 1,219 1,126 1,103 1,190 1,410 1,476 121.2%
Murabaha facility and Eurobonds 675 524 311 453 490 601 89.0%
Subordinated debt 202 201 200 560 603 620 306.8%
Other liabilities 60 50 57 64 38 37 62.3%
Total liabilities 5,541 5,987 7,735 8,594 9,406 9,860 178.0%
Equity 811 876 797 845 916 918 113.2%
Total liabilities and equity 6,352 6,863 8,532 9,43910,322 10,779 169.7%

 

Profit and Loss Statement 1H2009 1H2010 1H2011 1H20121H2013 1H2014
Net Interest Income 7911057103 104 122
Net fee and Commission income 15131520 20 8
Other Income 67104148 85 57
Operating profit 161132114171 210 187
Operating expenses (56)(86)(86)(101) (120) (117)
Total profit before Provisions and Taxes 105462770 90 70
Provision for loan impairment (123)(45)(16)(36) (30) (68)
Profit before tax (18)11134 60 3
Income tax 40(2)(6) (10) 0,5
Net profit (15)1927 50 2
1 Note: Exchange rate used: RUB/USD = 33.6306 as of 30 June, 2014.

For IFRS reports please refer to www.akbars.ru/en/about/annual_reports/.

AK BARS BANK

1 Dekabristov st, 420066, Kazan, Russia

General queries

  • Tel +7 (843) 2 303 303
  • Fax +7 (843) 519 39 75

Aydar Mukhametzyanov, Director, Investment Business

Oleg Karpeev, Director, Corporate Finance
Ilya Velder, Managing Director, International Bank and Financial Institutions
Kadria Ibragimova Director, Financial Institutions

AK BARS BANK

Elina Khayrullina,  Investor Relations   Deniza Taron, Investor Relations 

Damir Vafin, Trading

Rustam Askarov, Brokerage services



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