HCFB 9M 2018 financial results 27 November 2018 1 Disclaimer - PowerPoint PPT Presentation

HCFB 9M 2018 financial results 27 November 2018 1

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Financial highlights – consolidated Summary of 9M 2018 performance: Statement of Profit or Loss, RUB bn 9M18 9M17 Change, % New business volumes increased 24%, • Net interest income 26,3 22,4 17,4% loan book grew 12% during the reporting Operating income 31,7 29,9 5,9% period; Net income 10,2 11,0 -7,4% Credit risk remained at a low level with • NIM 13,0% 13,7% -0,7 p.p. the share of non-performing loans (NPL) ROE 24,2% 31,2% -7,0 p.p. to gross portfolio arriving at 3,9%; Cost / Income 49,1% 46,9% 2,1 p.p. Cost of risk 2,0% 1,6% 0,4 p.p. Net profit amounted to RUB 10,2 bn in • the nine-month period of 2018. The bank Statement of Financial Position, RUB bn 9M18 2017 Change, % made higher investments in business Total assets 303,2 296,2 2,4% digitalization and advertising in Russia; Cash and cash equivalents 27,1 23,0 17,4% HCFB remains well-capitalized witha • Loans to customers (net) 232,3 208,2 11,6% consolidated capital adequacy ratio of Deposits and current accounts 207,8 192,9 7,7% 24.0% and with a statutory standalone Total equity 59,4 52,9 12,3% N1.0 ratio of 13,9% as at 30 September NPL / Gross loans 3,9% 3,7% 0,2 p.p. 2018; Deposits to liabilities ratio 85,2% 79,3% 5,9 p.p. In October 2018 rating agency Fitch • Loan to deposit ratio 111,8% 107,9% 3,9 p.p. confirmed HCFB’s credit rating at BB-. Source: HCFB IFRS financials 3

Business highlights – Russia (1) Net profit, RUB bn Loan book (net), RUB bn Source: HCFB IFRS financials Source: HCFB IFRS financials Gross portfolio, RUB bn HCFB's share HCFB's # Key business developments: Total unsecured loans 6 966 2,8% 6 HCFB launched two new cards – an installment card under • the new brand “Freedom” and a debit card “Green Polza” POS loans 245 22,5% 1 for our customers who are adherents of a healthy lifestyle; Cash loans 5 301 2,3% 7 The debit card portfolio has almost doubled over the year • Credit cards 1 421 1,1% 11 reaching 48 billionrubles as at 30 September 2018; Deposits&CA 26 928 0,7% 18 HCFB remains a leader in segments such as POS loans, • online POS loans and installments. Source: Frank Research Group as of 9M 2018 Note: Henceforth all data includes information about operations in Russia only 4

Business highlights – Russia (2) Share of full distance cash loans volumes POS online business volumes, RUB mn Share of active customers using online services Debit cards transactions volumes, RUB bn Source: Management data 5

POS and cash loans market – Russia POS loans – gross portfolios Cash loans – gross portfolios Source: Frank Research Group as of 6M 2018 6

Operating income structure – Russia Interest income, RUB bn Interest expense, RUB bn Net interest income, RUB bn & NIM, % Operating income, RUB bn Source: HCFB IFRS financials 7

Operating efficiency & loan portfolio quality – Russia Operating expenses, RUB bn Impairment allowance, RUB bn Cost-to-income & OPEX/average net loans Cost of risk & NPL dynamics Source: HCFB IFRS financials 8

Asset structure & product mix - Russia Asset structure, RUB bn Retail loan book, RUB bn Retail loan book breakdown 9M 2018 Source: HCFB IFRS financials 9

Retail deposits & current accounts – Russia Debit cards balance, RUB bn Retail term deposits, RUB bn Deposits to liability ratio & loan to deposit ratio Retail deposits and current accounts have emerged as a • stable source of RUB funding accounting for 91% of total liabilities; Granular deposit base: more than 90% of funds is covered • by state-owned Deposit Insurance Agency; Focus on debit card products resulted in balance growth. • 10 Source: HCFB IFRS financials and management data

Liquidity, funding & capital position – Russia Liabilities structure Strong liquidity profile as at 30 September 2018 HCFB has maintained stable capital adequacy levels Source: HCFB IFRS and RAS financials 11

Investor Relations Contact Details http://www.homecredit.net/investors.aspx ir@homecredit.ru Bulat Zogdoev Head of Investor Relations +7 495 721 10 34 12