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Fact sheet
CBM at a glance, key figures
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ABOUT BANK
INVESTOR RELATIONS

Fact sheet

CREDIT BANK OF MOSCOW (public joint-stock company) has been operating in the Russian banking market since 1992.

The Bank provides a full range of services for corporate clients and private persons while offering universal products and services for a wide audience and elaborating special programs with focus on individual needs and wishes of its clients.

The Bank holds General license No. 1978 as of 6 May 2016 issued by the Bank of Russia.

Bank's rankings

Rankings by Assets and Liabilities

  • #9 Russian banks by assets as at 1 August 2017, Banki.ru
  • #7 Russian banks by gross loan portfolio as at 1 August 2017, Banki.ru
  • #6 Russian banks by loans to corporate customers as at 1 August 2017, Banki.ru
  • #20 Russian banks by loans to individual customers as at 1 August 2017, Banki.ru
  • #6 Russian banks by corporate deposits as at 1 August 2017, Banki.ru #11 Russian banks by individual deposits as at 1 October 2016, Banki.ru

Rankings by Equity

  • #8 Russian banks by equity as at 1 August 2017, Banki.
  • #10 among the largest banks in CEE by Tier I capital in The Bankers Top 1000 World Banks 2017, The Banker

Capital markets

  • #1 - Financial sector issuer among Top 10 CIS international bond issuers, 1H2017, Cbonds

Shareholders

Credit Ratings

Shareholder Share
"Rossium Concern", LLC 56.83%
JSC "Asset Management Company "Regionfinansresurs" 9.17%
LLC "Region Portfolio Investments" AM, PE fund "Algorythm" 7.34%
European Bank for Reconstruction and Development (EBRD) 4.54%
Saving management, LLC 3.86%
JSC "IG Capital Partners" 2.56%
JSC EFG Asset Management, retirement wealth manager of JSC Non-state Pension Fund SAFMAR 1.68%
OJSC "RONNIN Trust" 0.99%
Asset Management Company BIN FINAM GROUP LLC, retirement wealth manager of JSC Non-state Pension Fund SAFMAR 0.21%
Asset Management Company BIN FINAM GROUP LLC, retirement wealth manager of JSC Non-state Pension Fund Doverie 0.79%
JSC "Region Investment Company" 0.37%
JSC EFG Asset Management, retirement wealth manager of JSCNPF Doverie 0.36%
Other minority shareholders 11.30%
Agency Rating
Fitch Rating BB-
Standard and Poor's BB-
Moody's Investors Service B1/NP
ACRA A- (RU)

Management Board

Vladimir A. Chubar
Dmitry A. Eremin
Svetlana V. Sass
Darya A. Galkina
Yury A. Ubeev
Alexey V. Kosyakov
Anton O. Virichev
Elena V. Shved
Alexey A. Stepanenko
Andrey A. Kryukov

Supervisory Board

William F. Owens
Roman I. Avdeev
Vladimir A. Chubar
Andrew S. Gazitua
Thomas G. Grasse
Andreas Klingen
Mikhail M. Kuznetsov
Ilkka S. Salonen
Marina M. Nastashkina
Sergey Y. Menzhinsky

Key Performance Indicators

Statement of financial position (RUB mln) 3Q 2017 2016 2015
Assets 1,780,138 1 567 969 1 208 201
Net loans to customers, including 783,456 626 535 593 065
     Loans to corporate clients   695,234   533 470   482 423
     share   89%   85%   81%
     Loans to individuals   88,222   93 065   110 642
     share   11%   15%   19%
Securities portfolio 133,987 129 812 159 540
Liabilities 1,620,728 1 464 568 1 115 862
Deposits by customers, including 958,717 689 496 898 692
     Deposits by corporate clients   677,152   440 842   697 763
     share   71%   64%   78%
     Deposits by individuals   281,565   248 654   200 929
      share   29%   36%   22%
Deposits by credit institutions 526,238 628 794 88 705
Debt securities issued 123,085 137 203 121 155
Total equity 159,410 103 40 92 338

Statement of comprehensive income (RUB mln) 9m 2017 9m 2016 9m 2015
Interest income 92 185 84 066 61 136
Interest expense -60 608 -52 705 -43 446
Provision for impairment of loans -10 414 -24 047 -14 585
Net interest income 21 163 7 314 3 105
Fee and commission income 11 614 9 470 6 439
Operating income after provisions 32 956 20 771 9 333
Operating expense -12 133 -10 096 -7 387
Net income 16 075 8 342 1 535

Ratios 3Q2017 2016 2015
NPL (90+), % 1.7 2.3 5.1
RoAA, % 1.3 0.8 0.2
RoAE, % 19.4 11.1 2.1
Net interest margin, % 2.8 3.3 3.9
Cost to Income ratio,% 28.4 24.6 26.4
BIS Tier 1 CAR 14.2 9.4 9.2
BIS Total CAR 23.2 14.7 16.5

Contacts

Sergey Lukyanov
Head of Investor Relations
Tel.: +7 (495) 797-42-22 ext. 6223
Mailto: ir@mkb.ru


2007-2017 . General license 1978 issued by the Bank of Russia on 06 May 2016.