Vtb · RUS:VTBR

Vtb — VTB Bank — 8M 2021 Earnings Presentation

36 slides from Vtb's earnings presentation, October 2021

  1. Slide 1: Investor Presentation, October 2021

    =BTB [IPESEHTALINA JIA VHBECTOPOB OxtsOpb 2021

  2. Slide 2: Disclaimer

    Tiannan npeserraua Soina noprorosneka BaiKom BTS (TAO) («BT6») 6es nposeneHuia HesaBvICuMoli npoBepx, 37a NpeseHTauMA He ABNATCA KaKVIM-nMOO NpeANOKeHMeM NM NpHINaWeHMeM A NOLAKN MNn SMMCCHN, XoAATalICTBOM C Kakum-nin6o npeqnoxeHvem o noKynKe, nlognucke, aHjeppalitlre unl MHOM npMobpeTeHMu, Wn peKoM

  3. Slide 3: Contents

    01 Tpynna BTB B UMdpax u dakTax O2 Ctpaterna Mv TpaHcopmayna 03 Bu3nec Tpynnbi BTB 04 Npunoxkenna No3uuyu rpynnbi BTB Ha pbIHKe Ctpyktypa kanutana Cuctema KopnopaTuBHoro ynpasneHna TnoGanbuble 6v3Hec-nuHNn Knioyesble cTpateruyeckue npuopmuterbi rpynnb!| 2022 Crparermueckve naptHepcrsa Avkamuka o6bem

  4. Slide 4: VTB Group in figures and facts

    =BTB [TPYTMMA BT B uvdpax u Maktax ¢ fo3uuyv rpynnb! BTB Ha pbiHKe * Ctpyktypa Kanutana * Cuctema KopnopaTuBHOrO ynpaBneHua * [noOanbHble 6u3HeC-nUHUN . 4 44 am 25

  5. Slide 5: VTB Group's position in the market

    = B16 8 unbpax > oP =u gaxtax wtpat > Busiec ) Onnarcospie pesynbtate! =BTB gonmeyinka — — [1O3WLNU rpynnbi BTb Ha pbiHKe VA -cHayana ropa 101116,6% 011 18,1% Vnoteka 19,8%" a 3t won! 21 D Kpeantpi fon 21,4% 1115,0% \ Cpeactsa K/IMCHTOB MUP POCCUA a 30 Wow! 21 a GanKoecKnx Tpnu knwesoB 20,3 py6. 18

  6. Slide 6: VTB Bank capital structure

    => BTBB undpax =~ uaxtax run 5 c opmauua > Busnes Ctpyktypa Kanutana OaHka BTB Crpyktypa akuMoHepHoro Kanutana, % =BTB ) Onnaticossie pesynerarel Ctpyktypa akuMoHepHoro Kanutana, CbopMupoBaHHoro OObIKHOBeHHIMM aKLMAMM, % Aanubie Ha 01 cen’ 21 @ O6bikHoBeHHbie akyMM 47,2 (b co6ctseHHoctu PocumyuyectB

  7. Slide 7: Corporate governance system

    => BTBB undpax ) Ctpaterua = wcaktax u Tpaxcd ynsraTe =BTB > Bustec > Ounancc Cuctema KOpnopaTuBHoro ynpaBneHua BHewHnii = O6wee Vabupaer Pesw3monHan ' aygutop EY i ETS 6 Komuccua ' u caegaer coOpaHie akL\MOHepoB 4----- Orametaerca J- - - - - + ' Via6upaer Oruntbieaerca ' Komurer no crparerun Vis6up

  8. Slide 8: Global business lines

    => BTBB undpax Bates ) SU emer > Busnec ) @unancosbie peaynbtatbl [noOanbHble 6u3Hec - NUH Hanpasnennsa 6u3Heca Axtupbi "31 2er 21 Knneutet =BTB OchosHtie akret ¥ 30mow 21 [Z uneectmunonne + NP1 Mnpectaymonnbiit 6ank B Poccam Pal KouTponb ~=) Mogaepxka KopnopatwBHbiit yeHTp AA Qi om +——> af’ Crpater

  9. Slide 9: Strategic partnerships

    a eee = Ctpateruyeckue napTHepcTBa BIB

  10. Slide 10: Creation and development of classic banking model

    BTB nda > Crees R=a ETE =BIB ==> Crpaterna ) Busiec = utpanchopmauna z > Co3gaHue vu pa3BuTue Knaccuyeckon GaHKOBCKON Mogenu 3a C4eT OpraHnyeckoro pocta U NpuobpeTeHu Ha pbIHKe M&A MAIL CEHTABPD SIHBAPb : 2005 2013 | 2016 | 2016 : 2018 6 SBTb24 @22S Moiax Mocks FALE ~SBTp24 9 : : sank O6veaunenve |

  11. Slide 11: Key strategic priorities of the Group 2022

    > TB 5 undpax = Crpaterna w daktax =" u tpanchopmauna =BTB > Busnec ) @uniancosbiepesynbtate KntoyeBble crpateruyeckue npvoputetpi [pynnpi 2022 Pepe e eer errr etter eee treet eee 2022> CosqaHve BbICoKopesynbTaTMBHOM OpraHusayMn M KynbTypbl Noctpoexne nepegoson onepaynoHHo- @unatcosble opneHTupbl Te

  12. Slide 12: Strategic partnerships

    BTB 8 undppax w baktax = Crpaterua & panchopmauna > Busnec ) Ounarcosbie pesynbtatel > Ctpateruyeckue napTHepcTBa =BTB Co3qaem ny4uume PuHaHCoBble NPOAYKTbI M MHTerpupyem UX C NapTHepaMn Hanpasnenua ABM KeHMA Uenn MakcumanbHbii oxBaT BecwosHble puHaHcoBble cepBuicbl a B MapTHepcKux uHTepheiicax Tein

  13. Slide 13: Business

    =BTB — BVI3HEC VJ) ¢ Dvxamuka oObemos Ov3HeCca * Tekyluaa peHTaOenbHOCTb * LUndposu3auna Ou3Heca | L i ; + F—

  14. Slide 14: Income statement structure

    ▼▲ ЧИСТЫЕ ПРОЦЕНТНЫЕ ДОХОДЫ ▲ ЧИСТЫЕ КОМИССИОННЫЕ ДОХОДЫ ▲ ▲ ПРОЧИЕ ДОХОДЫ ▲ ▼ ЧИСТЫЕ ОПЕРАЦИОННЫЕ ДОХОДЫ ▲ РЕЗЕРВЫ ПОД ОБЕСЦЕНЕНИЕ ▼ ▼ АУР ▲ ЗА ВЫЧЕТОМ ПЕРЕОЦЕНКИ ГкГ НЕФИНАНСОВЫХ АКТИВОВ Налог на прибыль ▲ ▲ ▲ ЧИСТАЯ ПРИБЫЛЬ

  15. Slide 15: Balanced business growth

    BTB B undpax Crp: > in daxtax > atpar =BTB AWE Busnec ) nniancossiepesyn COanaHcupoBaHHbin poct 6u3Heca C POKyCOM Ha NpuopuTeTHbIX cerMeHTax VU NoAAepxKaHUN ONTMMaNbHOU CTpyKTypbI GanaHca apa py6. V A -cHayana rona AKTuBbI Kpegutpi 101 O6s3atenbctBa Le} lO BbI4eTa pe3epBOB Le} 212% Ao ssnerapesep “1

  16. Slide 16: Loan portfolio and client funds

    BTB 8 undpax > p Crpatera w baktax > vi TpaHcopmauna = busnec ) Ounancosbie pesyns =BTB KpeguTHbin nopTdenb u cpevcTBa KNMeHTOB mapa py6. WA -cHayanaroga Kpequrubiit noptent "7 now oBecuenenne) /nenosmanmentos (LOR) Mo orpacnsm (goanera pesepeanonobecieneme] eon Bon Com on) on 31% 99,5% 102,8% 98,2%

  17. Slide 17: Corporate business of VTB Group

    BTB 8 undpax > p Crpatera w baktax > iH = busnec w Tpakcopmayna KopnopatuBHbii 6u3Hec rpynnb! BTB mapa py6. WA -cHayana roa fOpuanueckne nuya =BTB ton fon 30 wow’ — Le) a i) a 31 gex'18 58% 48°18 31 gex'17 31 gex'16 31 gex'1S 31 geK'14 31 gex'10 31 pex'06 Kpegutbl Cpeactsa KnueHTos Cpennan oxonwoct

  18. Slide 18: Retail business of VTB Group

    Crparerna y TB» unbpax > Ww TpaHcopmauna = busnec n darax Po3HMYHbIN Ou3Hec rpynnbi BTB mapa py6. WA -cHayana roa @v3nyeckne nua Kpegutt =BIB Cpenctea knueHToB 31 pek'20 31 peK'19 Ld 31 pek'18 ae 18 31 gek'17 31 gex'16 31 nex 15 [TT 31 geK'14 31 gex'10 Cpennan goremroc ‘pear of pena oGa3arenbcrs on

  19. Slide 19: VTB regulatory capital

    BTB B undpax > in daxtax > Crparerua u Tpalcbopmauna PerynaTOpHbIN Kanutan BTB Brenpenne MoctaTouHoctb Kanutana oncromy 7206" Sonoma teMapna BENE ‘onepannonnomy pucy =806n Hoste seinycen ‘cybopannuposannoro onra 11,8% 11,9% 11,8% 12.1% 12.4% 115% BUA YPOBEH 4% AOCTATONHOCTH KATATANA A 10,2% 10.4% 10

  20. Slide 20: Digitalization of retail business

    BTB 8 undpax u gakta ==> Crpaterna = utpanchopmauna > > Brsiec Liudposu3zauna Po3Hu4Horo 6u3Heca ) Onnancossie pe = 680 Thic. unpoBblx KpeAMTHDIX 4 . 3anyck HoBoro BTB Ounaii — KntoueBoe cobbitue 2020 ropa ~1 1 MJIH 5, 6 MJIH KJIMCHTOB 1 0 1 TpnH py6nen Nonb3osareneit Nepesogos ocywecteneHo akTMBHbI

  21. Slide 21: Digitalization of SME business

    ==> Crpaterna WTpancopmayna Liudposu3auua CpegHero u Manoro 6u3Heca Hospiit npogykt: BTB-kacca 5 npogyktos B 1: OHNaiH-Kacca C buckanbHbIM HakonuTenem, KapTOUHDIiA akBaiipmur, onnata no cucteme GbIcTpbIx nnatexeii, Bbinyck K3M w peructpayua Kaccbl B OHC, KoHTpakt c OOf| He6aHkosckue cepsuicbl Ha nna

  22. Slide 22: Digitalization of corporate investment business

    BTBB ul w dakte ==> Crpaterna = utpanchopmauna » > Busnec ) @uniancosbiepesynbtate =BTB Lludposu3zauna KopnopatTuBHO-UHBeCcTUUMOHHOro Ou3Heca Bbicokaa YAOBNeTBOPEHHOCTS KaY¥eCTBOM o6cnykuBaHua KPYNHbIX KMIMEHTOB — 3aNOr YCUNIEHUA CUHEPrMn ANA pa3sBuTMA OusHeca C PO3HUYHbIMM, CpeQHUMY VU MasIbIMM KME

  23. Slide 23: ▲ ▲  ▲ ▲    +60% +7% ЮЛ  ФЛ 955

    ▲ ▲  ▲ ▲  1 704  1 593  +60% +7% ЮЛ 997  2 303 1 798 ФЛ 955 +88% +28%                   

  24. Slide 24: Time to market: yesterday, today, tomorrow

    ВЧЕРА СЕГОДНЯ ЗАВТРА +83% +50% ПОЛЬЗОВАТЕЛЕЙ ВТБ ОНЛАЙН 6 МЛН 11 МЛН 15 МЛН ОБЪЕМ X4 +50% ОБРАБАТЫВАЕМЫХ ЗАЯВОК НА КРЕДИТ 10 МЛН 40 МЛН 60 МЛН ▼X8 ▼X2 TIME TO MARKET 240 ДНЕЙ 30 ДНЕЙ 14 ДНЕЙ ЧИСЛО ▲40% ВНЕДРЕНИЙ ЗА ▲57% ГОД 21 ТЫС. 35 ТЫС. 50+ ТЫС. ФАКТИЧЕСКАЯ ДОСТУПНОСТЬ 96,74% 99,87% 99,99%

  25. Slide 25: Financial results 8M 2021

    =BTB * MuHaHcosble pe3ynbTatb! 8M’202 * NyOnu4Hble AZonrosble u ruOpug, ¢ DvsugeHpbl

  26. Slide 26: Net interest income and margin

    BTB 8 undpax > p Crpatera w baktax > 5 Si > Busnec Mauna =BTB ©} ounancospie pesynvtate UYnctple NPOLWeHTHbIe FOXOAbI U MapoKa mapa py6. WA -[kI Yuctble NpOLeHTHble OXOsbI CpefHaa AOXOAHOCTb aKTMBOB M CpeAHAA CTOMMOCTb OOA3aTeNbCTB 6m'20 6m'21 6m'20 6m'21 421% *106n Yucroie Uncras npouentHbie npouen

  27. Slide 27: Net fee and commission income

    y TB» unbpax > Ctparerna Bu3nec wdakrax uTpakcopmauna > KOMMUCCUOHHbIe AOXODbI mapa py6. WA -[kI Yuctble KOMMCCMOHHbIe OXOpbI Unctete KomuccuonHBLe Roxonb / sncreie cpennne axruasi (UKM) 0.7% 0,8% 0,9% 0,9% , __e— _e— —e— 460% l 10,9 45,5 , 38,6 35,1 ‘ay B% 28,4 Bie 9% x 3,0 11% 4% 35% 33% ° 31% * 4

  28. Slide 28: Personnel and administrative expenses

    BTB B undpax > Busvec Crpatera w baktax > vi TpaHcopmauna > =BTB ©} ounancospie pesynvtate Pacxogpbl Ha nepcoHas U agMUHUCTpaTMBHble pacxOfbl mapa py6. WA -[kI Pacxopbl Ha Copep»kaHve nepconalia Mu aMMHMCTpaTMBHble pacxopb! Qunamuka v3zMeHeHUa cpequeii YACNEHHOCTU NepcoHania, TIC. Yes. CIR Pacxoppi/

  29. Slide 29: Credit portfolio quality and reserve creation

    BTB B untppax > in daxtax KayecTBo KpeANTHoro nopTdena uu co3zgaHue pezepBoB apa py6. M naunn > Busec Pacxogpbl Ha co3qaHne pezepBoe nog obecyeHeHMe KpequTHoro nopTdena ©} Ounancospie pesynvtatei Banancosble pezepsbi nog obecleHeHue KpegutHoro noptdena =-= Crommocte pitcxa no couokynvomy KpeautHoMy

  30. Slide 30: Credit portfolio structure (IFRS 9)

    BTB B untppax Crpatera = = > ed: > a aachceneniny > Bushec & ounancospie pesynvtaroi BTB CtTpykTypa KpeautHoro noptdena (MC@O 9) mapa py6. KpeautHbii noptdenb Kpequtbi no aMopTu3upoBaHHon CToumocTu (no cTaquaM OKy) Nepeoyenueaemsie no cnpaseannsoti CTOMMOCTH Yepes NpMBbINb NM YOBITOK ORY 3a 12 mecay

  31. Slide 31: Assets supplementing banking business

    y TB» unbpax > Ctparerna w baktax wTpaHcpopmayna =BTB > Busnec ©} Ounancospie pesynvtatei AKTUBbI, HONONHAWWINe OAHKOBCKUN OU3HeEC mapa py6. WA -cHayanaroga AONTOCPOUHBIE AKTUBbI YPETYNMPOBAHNA HA 31 ABI’ 21 VUHBECTULIAN BUR e rss ACE) 3AQ0JDKEHHOCTU 0 ~\ KopnopatuBHo- Po3HU4HbIA CpegHun KopnopatusH

  32. Slide 32: Key income statement indicators

    > Busxec ©} Ounancospie pesynvtatei ~ BTB Mauna OcHOBHble NoKa3aTenn oTYeTa O NpuobiINnAX Vv yObITKax U NOKa3aTenu sddekTUBHOCTU OcHosHble noKa3atenn oT4eTa onpwObinax uv y6biTkax, Mnpa py6. 2K’21 2K’20 Vsmenenue 8M'21 8M’20 Vsmenenne > Unctble npoueHTHble HOXoAb! 160,4 132,3 21,2% 418,8 343,3 22,0%

  33. Slide 33: авг’ июл’ Изменение дек’ С начала года

    31 авг’ 21 31 июл’ 21 Изменение 31 дек’ 20 С начала года

  34. Slide 34: Public debt and hybrid instruments in circulation

    BTB 8 undpax Ctpaterna = > u cbaktax > Yu TpaHchopmauna > Busvec = Onnancospie pesynvtarei =BTB NyOnuyuble gZonrosple uv ruvOpughble UHCTpyMeHTbI B OOpawjeHuu Homunuposanibie & saniorax GRUB @USD EUR WCHF BHyTpeHHue Aonrosble MexkayHapogHble Aonrosble OOA3aTENbCTBa H230H0H21 oOs3aTenbcTBa mapa py6.

  35. Slide 35: Total dividend payments; dividend yield alignment

    Общий объем дивидендных выплат Выравнивание дивидендной доходности

  36. Slide 36: Investor relations contacts

    =BTB YIIPABJIERUE [lO PABOTE CUHBECTOPAMY © Ten.: +7 (495) 775-71-39 = ~E-mail: [email protected]

VTB Bank — 8M 2021 Earnings Presentation on 6ix