Vtb · RUS:VTBR
Vtb — FY2012 Earnings Presentation
14 slides from Vtb's earnings presentation, Apr 24, 2013
Slide 1: VTB Group FY'2012 Results
VTB Group FY’2012 Results Herbert Moos CFO, Deputy Chairman of the Management Board Jyrki Talvitie SVP, Head of Financial Institutions and Investor Relations 1 April 24,© 2013 VTB 2011
Slide 2: Forward-looking statements disclaimer
Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of JSC VTB Bank ("VTB") and its subsidiaries (together with VTB, the "Group"). Such forward-looking statements are based on numerous as
Slide 3: VTB Group FY'2012 Financial Highlights
VTB Group FY’2012 Financial Highlights ■ Net profit at RUB 90.6 bn, corresponding to ROE of 13.7% with 4Q’2012 net profit at RUB 30.4 bn and ROE of 16.8%, representing the strongest quarterly bottom line in VTB history ■ Robust development of Retail banking: VTB Group retail loans grew 36% YTD and c
Slide 4: Performance of Corporate Banking
Performance of Corporate Banking Corporate loan portfolio Corporate liabilities Corporate deposit Corporate loan market share in Russia (2) Term deposits Current accounts market share in Russia 18.7% 18.2% 21.1% 17.3% 17.5% 19.7% 17.1% 1 19.1% 19.3% 2 2 18.4% 2 2 2 2 2 2 2 5% -8% +6% +2% 3,965 3,766
Slide 5: Performance of CIB: Investment Banking, Transaction Banking
Performance of CIB: Investment Banking , Transaction Banking Investment Banking – financial result Transaction Banking – financial result (in RUB bn) FY’2012 (in RUB bn) FY’2012 Net interest income 15.0 Net interest income 22.3 Net fee and commission income 4.6 Net fee and commission income 15.6 Gai
Slide 6: Retail Banking – Robust Growth
Retail Banking – Robust Growth Retail loan portfolio Retail deposits Consumer loans Car loans Mortgage Retail loan market Current Term Retail deposit market & other loans share in Russia accounts deposits share in Russia 13.7% 13.6% 13.4% 13.2% 13.3% 2 2 2 2 2 9.1% 9.0% 8.9% 8.9% 8.7% 2 2 2 2 2 +36%
Slide 7: Financial Update
Financial Update =a SVB
Slide 8: Operating Income and NIM
Operating Income and NIM Operating income before provisions (1) +29% +44% 369.5 Net fee and 76.7 95.4 110.4 commission income 96.8 286.6 48.3 12.1 66.9 14.1 10.3 12.4 39.2 Net interest income 11.5 before provisions 71.7 77.9 54.0 61.9 (RUB bn) 58.4 246.0 Net result from financial 227.0 instruments (
Slide 9: Staff and Administrative Expenses
Staff and Administrative Expenses Staff costs and administrative expenses 51.9% 49.4% 66.1% 66.7% 51.4% 191.6 44.5% 49.4% 141.5 92.0 56.2 50.7 47.8 44.6 66.9 (RUB bn) 42.5 (RUB bn) 24.3 21.9 29.4 19.8 20.4 99.6 26.4 25.9 26.8 74.6 22.7 24.2 4Q'11 1Q'12 2Q'12 3Q'12 4Q'12 FY'11 FY'12 Cost / Income rat
Slide 10: Asset Quality
Asset Quality Сost of risk returns to normal levels 1.7% 1.1% Provision charge 1.0% 1.0% 1.2% for loan impairment / 0.5% 0.9% Average gross loan 20.4 portfolio 59.4 12.7 14.4 Provision charge (RUB bn) 11.9 (RUB bn) 31.6 for impairment of 6.3 debt financial assets 4Q'11 1Q'12 2Q'12 3Q'12 4Q'12 FY'11
Slide 11: Healthy Balance Sheet Structure
Healthy Balance Sheet Structure Assets structure Net interest spread 10.1% 9.3% 9.5% 9.9% 7,416 9.0% 7,185 Cash and mandatory 6,790 6,858 6,451 9% reserves 9% 4.3% 4.6% 7% 6% 6% 13% Securities 15% 15% portfolio (1) 14% 12% 5% 4.4% 5.1% 5.1% 5.2% 5.3% 6% 4% 6% 6% Due from other banks 4Q'11 1Q'12 2Q'1
Slide 12: Appendix
Appendix 12 © VTB 2012
Slide 13: VTB Group Public Debt Instruments
VTB Group Public Debt Instruments VTB Group public debt instruments outstanding(1) VTB Group public debt instruments outstanding(1) Equivalent amount Maturity Date/ Equivalent amount Maturity Date / Borrower Instrument Coupon Borrower Instrument Coupon (USD, mn) Put or Call Option (USD, mn) Put or C
Slide 14: VTB Group International Public Debt Instruments Issued in 2012-2013
VTB Group International Public Debt Instruments Issued in 2012-2013 Borrower Date of issue Amount (mln) Instrument Maturity date Coupon/rate VTB April 2012 USD 2,000 Series 15 EMTN 2 April 2017 6.0% July 2012 SGD 400 Series 17 EMTN 2 July 2015 4.0% VTB USD 2,250 Tier 1 Perpetual Loan VTB August 2012