BSP · RUS:BSPB
BSP — Bank Saint Petersburg — Investor Presentation (August 2026)
29 slides from BSP's investor presentation, August 2026
Slide 1: Bank Saint Petersburg Investor Presentation
BANK SAINT PETERSBURG INVESTOR PRESENTATION August 2026
Slide 2: Disclaimer
DISCLAIMER This presentation contains forward-looking statements regarding future events and financial performance of PJSC “Bank Saint Petersburg" (hereinafter - the “Bank"). Such forward-looking statements are based on the current expectations and assumptions of the Bank's management, are made in g
Slide 3: Part 01: Overview
@BsPB PART 01 OVERVIEW
Slide 4: Bank Saint Petersburg at a Glance
BANK SAINT PETERSBURG AT A GLANCE Regional leader Ratings and Rankings* 01 – Bank Saint Petersburg is the leading privately owned 02 universal bank in St. Petersburg, with strong brand 15th by assets 11th by retail deposits recognition all over Russia Lianhe (China) АА+ (Stable) – Top-3 position in
Slide 5: Saint Petersburg: The Dynamic Domestic Market
SAINT PETERSBURG: THE DYNAMIC DOMESTIC MARKET Saint Petersburg is the key region BUSINESS GEOGRAPHY – St. Petersburg and the Leningrad region population about 7 mln 87% Share in the loan portfolio – 4th largest city in Europe 67% Share in the customer deposits – GRP growth consistently outperforms n
Slide 6: 19 Years of Public History
19 YEARS OF PUBLIC HISTORY Net Income RUB mln 47 545 47 315 50 779 29.7% 38.2% 27.1% 37 847 20.6% 18.8% 18.1% The Bank is always profitable 16.4% 15.3% 17.2% 15.2% 15.3% 9.7% 11.4% 12.3% 10.2% 12.9% 2.9% 3.2% 6.7% 7.3% 18 083 16 514 x19 growth over 19 years 10 827 6 695 4 796 7 491 9 047 7 906 4 1
Slide 7: The New Status of the Bank's Shares
THE NEW STATUS OF THE BANK'S SHARES Share ADV, RUB mln Average BSPB’ share price and average daily trading price, RUB. volume on the Moscow Exchange The Bank's strong and sustainable results are 1 200.0 420.00 reflected in the share price 1 000.0 370.00 800.0 320.00 – Share price growth 551% 270.00
Slide 8: BSPB's Investment Story Is One of the Best Among Publicly Traded Banks
BSPB'S INVESTMENT STORY IS ONE OF THE BEST AMONG PUBLICLY TRADED BANKS WHY BANK SAINT PETERSBURG? – Leader in the St. Petersburg market – One of the lowest cost of funding among the main competitors and one of the best margins on the market – High expertise in EXIM services with strong competitive a
Slide 9: Strategy and International Business Development
P AR T 02 STRATEGY AND INTERNATIONAL BUSINESS DEVELOPMENT
Slide 10: Strategy 2024-2026
STRATEGY 2024-2026 / APPROVED BY THE SUPERVISORY BOARD ON NOVEMBER 22, 2023 (with Amendments approved on December 18, 2025) Retaining of the sustainable business model Key strategic priority Transformation of customer interaction channels IT Transformation The other strategic priorities Internat
Slide 11: Corporate & Retail Business
CORPORATE & RETAIL BUSINESS Loan portfolio 760 806 RUB bn 588 527 79% 415 79% 78% 77% 202 213 Corporate business 74% 143 159 163 23% 22% 21% 21% – Core activity of the Bank (40-45% of 26% 01.01.2023 01.01.2024 01.01.2025 01.01.2026 01.07.2026 revenues) Corporate Loans Retail Loans – Low-risk profile
Slide 12: International Business: China & BRICS+ Are the Key Market
INTERNATIONAL BUSINESS: CHINA & BRICS+ ARE THE KEY MARKET – Significant customer base of importers/exporters – Advanced product range for importers/exporters – EXIM advisory for the new locations (China, India, Brazil, UAE etc.) – Bank for the foreign banks in RUB clearing – Chinese QFII (Qualified
Slide 13: ESG Is Our Key Strategic Priority
ESG IS OUR KEY STRATEGIC PRIORITY AS IS: In 2022 the BoD of the Bank Saint Petersburg successfully approved the Sustainability Policy • The Board of Directors is actively involved in Bank’s ESG development • Since FY’21 non-financial report on sustainability is published as a part of Bank’s Annual R
Slide 14: Key Figures & Financials
P AR T 03 KEY FIGURES & FINANCIALS
Slide 15: Key Financial Results
KEY FINANCIAL RESULTS Net Income Return on Equity Earnings Book Value RUB mln % per Share per Share RUB RUB -33% 50 779 29.7 47 315 % 37 847 27.1% 24.0% 106 114 18.1% 492 478 508 24 652 15.3% 85 452 390 16 514 55 38 2023 2024 2025 1H 1H 2023 2024 2025 1H 1H 2023 2024 2025 1H 1H 2023 2024 2025 1H 1H
Slide 16: Financial Results for 1H 2026
FINANCIAL RESULTS FOR 1H 2026 2 499 1017 46 047 5 941 36 590 (8 000) NIM 6.4% 16 514 1H (15 804) (689) CoR 1.6% (5 040) CIR 34.3% 2026 ROE 15.3% 5 129 601 50 762 5 602 39 430 (6 833) 14 1H (12 312) 24 652 NIM 7.4% CoR 1.7% 2025 (6 979) CIR 24.3% ROE 24.0% 16
Slide 17: Financial Results for 2Q 2026
FINANCIAL RESULTS FOR 2Q 2026 1 551 512 23 432 3 146 NIM 6.4% 18 223 2Q (6 945) CoR 2.8% 5 603 CIR 37.7% 2026 (8 845) (467) ROE 10.1% (1 571) 505 22 615 2 795 948 NIM 6.5% 18 367 1Q (1 055) 10 911 CoR 0.4% (6 959) (222) CIR 30.8% 2026 (3 468) ROE 19.9% 2 811 222 25 376 2 841 19 502 NIM 7.2% (6 876)
Slide 18: Revenues Dynamics
REVENUES DYNAMICS Revenues Net trading income RUB mln Net fee and commission income -9.3% Net interest income – Net interest income remains under pressure due to -7.7% 50 762 interest rate dynamics 46 047 +3.6% 5 129 – Despite challenges in the 5 602 2 499 25 376 5 941 24 155 24 193 22 615 23 432 tr
Slide 19: Sources of Funding
SOURCES OF FUNDING Customer Deposits Liabilities and Equity RUB bn/ % RUB bn/ % +2.4% 1 305.8 1 353.7 «Free» 33% 16% sources of 17% funding – Retail customer deposits grew +7.6% 888.0 909.3 13% 31% 14% since the beginning of the year and 2% 1% 7% account for 62% of total customer 348.5 7% 366.6 41%
Slide 20: Net Interest Margin & Rates Dynamics
NET INTEREST MARGIN & RATES DYNAMICS Net interest margin Interest rates Interest rates % on assets on liabilities % % – A decrease in the net 9.6% 21.1% 19.4% interest margin due to the 19.4% 8.8% 17.4% dynamics of the key rate 16.2% 17.6% 14.8% 18.9% 17.4% 16.4% 14.5% and a significant share of 7.9
Slide 21: Non-Interest Income
NON-INTEREST INCOME Non-Interest income Guarantees and letters of credit issued Other RUB mln Cash and settlement transactions Customers' FX – The volume of customers’ FX -10.2% Banking cards Insurance commissions transactions is declining amid intensified competition and -3.5% 8 192 reduced custome
Slide 22: Assets & Liabilities
ASSETS & LIABILITIES 1 354 1 354 1 306 4% 1 306 29 2% 47 4% 49 40 26 2% 77 6% 3% 218 16% 217 281 17% 19% 21% Liquid Assets 246 321 bn 197 0% 0 0% 174 15% 3 13% 197 bn 349 367 26% 28% 983 933 73% 71% 561 521 40% 41% Liabilities & Assets, Equity, RUB bn 01.01.2026 01.07.2026 RUB bn 01.01.2026 01.07.20
Slide 23: Loan Portfolio and Credit Quality 1/2
LOAN PORTFOLIO AND CREDIT QUALITY 1/2 Corporate loan portfolio Retail loan portfolio Corporate loan portfolio RUB bn RUB bn CAGR +21% – The corporate loan portfolio is well CAGR +13% diversified +6.0% Retail loan portfolio +5.4% 760.1 805.9 – The retail loan portfolio consists of low- risk loans to
Slide 24: Loan Portfolio and Credit Quality 2/2
LOAN PORTFOLIO AND CREDIT QUALITY 2/2 Loan portfolio Provisions coverage RUB bn / % % 96.8% 93.4% 108.1% 87.3% 90.2% 87.1% 100.1% 100.3% 105.1% 93.8% 78.6% 79.7% 1 018.4 961.9 8.9% 7.8% 7.6% 8.5% – The share of problem loans is 751.0 686.3 557.8 5.0% 5.2% 4.4% 4.7% decreasing and is at a 513.9 3.8%
Slide 25: Cost of Risk
COST OF RISK Provisions* Cost of Risk RUB mln % 17 317 2.4% – The Cost of Risk for 1H 2026 was 1.6% 2.4% 2.1% 2.0% and is within the FY 2026 guidance 8 983 7 571 1.6% 2.0% 6 092 2.0% 1.3% 1.4% 4 596 8 000 6 945 1.3% 1.0% 1.6% – Cost of Risk on retail loans at a 0.9% 0.8% comfortable low level of 0.4
Slide 26: Capital & Capital Adequacy Ratios (RAS, Basel III)
CAPITAL & CAPITAL ADEQUACY RATIOS (RAS, BASEL III) Capital Risk-weighted Capital Adequacy RUB bn assets (Tier 1 CAR) Ratios – Before the audit, net profit for RUN bn % the 1H 2026 is not taken into -3.4% account in the calculation of the +4.8% Tier 1 Capital Adequacy Ratio (estimated impact of the p
Slide 27: FY 2026 Expectations
FY 2026 EXPECTATIONS The updated forecast from August 21, 2026 – Loan Portfolio growth +10-12% NET INCOME – Cost of Risk 150 b.p. ~ 200 b.p. RUB 35+ – Cost-to-Income ratio 35-37% 36-37% ~ 30 bn 27
Slide 28: Financial Highlights
FINANCIAL HIGHLIGHTS In RUB bn Jan 1, 2026 July 1, 2026 YTD July 1, 2025 Apr 1, 2026 July 1, 2026 q-o-q y-o-y Total assets 1305.76 1353.70 +3.67% 1252.64 1392.75 1353.70 -2.80% +8.07% Gross Loans 961.89 1018.42 +5.88% 857.80 977.35 1018.42 +4.2% +18.72% Customer Deposits 887.98 909.34 +2.4% 757.18 9
Slide 29: Contacts for Investors
CONTACTS FOR INVESTORS Information for investors is available on site: https://www.bspb.ru/en/investors/ Email: [email protected] T: +7 /812/ 332 78 36 29
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