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BUSINESS OVERVIEW
FOR FINANCIAL INSTITUTIONS
OCTOBER 2020
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2
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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ROUND А:
FINANCIAL INVESTORS IN 2018
17,5%
9,8%
0,2%
6,1%
1,0%
18,3% 4,2%
2,7%
8,2%
8,2%
8,1%
7,6%
8,1%
5
OLGA GRYADOVAYA
Chairman of the Board of Directors
Management of the Bank since 2000
Shareholder since 2000
LEONID IVANOVSKI
Member of the Board of Directors
Shareholder since 2000
EVGENII IVANOVSKI, CFA
Chairman of the Management Board since 2019
Shareholder since 2013
TOP-MANAGEMENT OF THE BANK
OTHERS
OPERATING SHAREHOLDERS
LLC “LIBERTY-1” (Investment activities)
LLC “ELCRIP” (Market trends research)
Tatiana Orlova (Shareholder since 2018)
and LLC “DAK”
LLC “TSENTRALIYA” (Marketing
research and financial consulting)
LLC “VBB Invest” (Insurance services
and financial consulting)
YURY BEREZOVSKY
(directly and through LLC “Rigvans”,
LLC “Goiya Service”)
Main business – renting out of
commercial real estate in Moscow
ROUND B:
FINANCIAL INVESTOR IN 2020
OWNERSHIP STRUCTURE
In July 2018, the shares of EBRD and IFC were purchased by financial investors.
In 2020, Yury Berezovsky became a shareholder through the issue of new capital for 1 billion rubles.
Minority stakes
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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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13
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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14
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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15
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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16
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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ITB FINANCIAL REHABILITATION PLAN –
MAIN POINTS & RESULTS
Management and recovery of distressed assets, since the
beginning of rehabilitation 28,8 RURbn have been returned
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)
Liquidity and solvency were restored
Profit >800 RURmln as of 1H 2020
Financial rehabilitation plan’s indicators in terms of profit,
capital and recovery of distressed assets were exceeded
High-quality working loan portfolio of 43 RURbn has been
formed
CONCENTRATION OF MAIN PROCCESSES
Single Treasury
Single processing
Unified ABS
Unified system of collegiate bodies
Single back-office
FINANCIAL REHABILITATION OF INVESTTRADEBANK
IN OCTOBER 2015 TKB WAS SELECTED AS THE ITB
SANATOR. SINCE FEBRUARY 2016 ITB HAS BEEN A
PART OF THE TKB BANKING GROUP
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
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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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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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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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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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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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]