BUSINESS OVERVIEW 1Q 2020 FOR - PowerPoint PPT Presentation

ЗАГОЛОВКОК Подзаголовки BUSINESS OVERVIEW Выделение в тексте 1Q 2020 Основной Сноски FOR FINANCIAL INSTITUTIONS

ЗАГОЛОВКОК Подзаголовки CONTENTS  Bank overview, shareholders and management. …………..….…………………………………………… Выделение в тексте 4  Main business segments……...……………………………………………………………………………….. 7  Bank’s strategy….………………………………………………………………………………………………………….. Основной 8  Clients………………………………………………………………………………………………………........................ 10  Corporate banking ………………………………………………………………………………………………………… 11 Сноски  Trade finance………………..……………………………………………………………………………………………… 12  International business….………………………………………………………………………………………………….. 13  Track records with ECAs, OPIC & EXIAR……………………………………………… …………………………………. 14  SME lending……….……………………………………………………………………………………………………….. 16  Retail banking…….………………………………………………………………………………………………………… 17  Plastic cards, deposits and e-banking overview …………………………………………………………………….… .. 18  Financial rehabilitation of INVESTTRADEBANK………… …………………………………………………………………. 19  Regional presence…………..…….……………………………………………………………………………… 21  Full customer service for financial institutions “Bank for Banks”……………………………………… 23  “Bank for Banks” programm ..…………………………………………………………………………………………….. 23  Trade finance with CIS/SCO ……………………………………………………………………………………………… 24  Cooperation with EXIAR………………………………………………………………………………………………….. 27  Arrangement of syndicated loans………………………………………………………………………………………… 29  Capitalization and profitability ratios ….………………………………………………………………………. 32  Balance sheet……………………………………………………………………………………………………………….. 33  International and domestic funding……………………………………………………………………………………….. 34  Key financial ratios………………………………………………………………………………………………………….. 35  Capital adequacy……………………………………………………………………………………………………………. 36  Liquidity management………………………………………………………………………………………….... 38  Contacts……………………………………………………………………………………………………………. 39 2

ЗАГОЛОВКОК Подзаголовки Выделение в тексте Основной Сноски BANK OVERVIEW, SHAREHOLDERS AND MANAGEMENT

ЗАГОЛОВКОК MARKET POSITIONING Подзаголовки TKB IS A UNIVERSAL FEDERAL-SCALE BANK Выделение в тексте IN THE MARKET SINCE 1992 TOTAL ASSETS AND LOANS (RUBbn) ($4.4 bn) TOP-10 AMONG RUSSIAN PRIVATE BANKS Total Loans 275,4 Основной Total Assets 257,2 OUR GROWTH AND SIZE IN RUSSIA 249,4 (Source: Profile Magazine and Expert RA) Сноски TKB TKB+ITB ($2,1 bn) 146,4 #45 #28  Assets 130,3 122,3 #53  Retail loans #43 #59 #59  Equity -  Factoring #16 (Expert)  Mortgage #17 (Rusipoteka.ru) -  SME Loans #12 (Expert) - 31.12.2017 31.12.2018 31.12.2019  Cooperation with EAEU/CIS #3 - Environment TOTAL EQUITY (RUBbn) Tier 1 CORE BUSINESS FOCUS: Tier 1+Tier 2  Corporate Lending ($0.3 bn) 26,3 Loans: 43.9 RUB bn (26.4%)  ($0.3 bn) 21,1 21,1  SME Lending 20,0 18,9 18,3 Loans: 63.6 RUB bn (38.1%)  28 000 corporate and SME customers   Since 2010 TKB gradually increased retail exposure Loans: 59.2 RUB bn (35.5%)  693 799 retail customers  31.12.2017 31.12.2018 31.12.2019 In October 2015 TKB started financial rehabilitation of Investtradebank (ITB). Since February 2016 ITB entered the banking TKB IS NOT INCLUDED IN ANY SANCTIONS LIST group of TKB. С urrency Rates (RUB/USD): 2017 – 57.6002, 2018 – 69.4706; 2019 – 61.9057 4

ЗАГОЛОВКОК Подзаголовки OWNERSHIP STRUCTURE Выделение в тексте Managing shareholders TATYANA ORLOVA + DAK LLC Family OLGA GRYADOVAYA Financial Member of BoD  investors  Chairman of the Board of Directors Shareholder since 2018  Основной  Management of the Bank since 2000 ELCRIP LLC Shareholder since 2000  8,1% 17,5%  Market trends research Сноски 7,6% LEONID IVANOVSKI  Based in Moscow, Russia  Member of BoD LIBERTY 1 LLC  Shareholder since 2000 8,1% Investment activities  9,8% EVGENII IVANOVSKI Based in Moscow, Russia   Chairman of the Management Board 0,2% 8,2% TSENTRALIYA LLC  Shareholder since 2013 6,1% Marketing research and  TOP-MANAGEMENT OF financial consulting 8,2% BANK Based in Moscow, Russia  1,0% 18,3% 2,7% YURI BEREZOVSKY VBB Invest LLC 4,2%  Shareholder since 2020 Insurance services and financial  consulting Group of Yuri Berezovsky Financial investors Based in Moscow, Russia  OTHER RIGVANS LLC GOIYA Service LLC  Minority stakes Insurance services and financial  Marketing research and wholesale  consulting  Based in Moscow, Russia  Based in Moscow, Russia Due to geopolitical situation in September 2015 the Board of Directors of EBRD and IFC decided to suspend investments in Russia and exit from Russian projects. In July 2018, the shares of EBRD and IFC were purchased by financial investors. 5

ЗАГОЛОВКОК CLEAR AND TRANSPARENT GOVERNANCE Подзаголовки Выделение в тексте Audit & Risk Corporate Governance and Internal Audit Committee Committee Remuneration Committee Основной Olga Gryadovaya, Сноски Tatiana Orlova GENERAL SHAREHOLDERS Chairman of the Board of Directors (Professor of Economics MEETING Member of the Management Board 70+ scientific publications) 10+ years of experience in finance Boris Kazakov, Roman Mironchik 30+years of experience in finance, 10+ years of experience in investment BOARD OF DIRECTORS former CEO of NorNIckel companies Leonid Ivanovski , Vladimir Mau 22 years of experience Evgenii Ivanovskii, Rector of the Russian Presidential as Notary public Academy of National Economy and Chairman of the Management Board Public Administration 15+years of experience in finance Anton Selivanovski Associate Professor, PhD in Law, Alexey Vorobiev Experience in PWC, State Development Corporation Head of Audit and “VEB.RF” Risk Committee of TKB MANAGEMENT BOARD - independent directors Asset Liability Bank Board Risk Management Technological Limit Credit Tariff Committee Committee Committee (Vice-presidents) Committee Committee Committees 6

ЗАГОЛОВКОК Подзаголовки Выделение в тексте Основной Сноски MAIN BUSINESS SEGMENTS