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Facts and Figures

SDM-Bank conducts reports both under RAS and IFRS. The figures presented below are based on Annual Audited Financial Statements under IFRS. The US$ equivalent figures are presented for illustrative purposes only, based on the exchange rate at the respective Fiscal Year End.

Millions   Currency

FYE16

FYE15

FYE14

FYE13

FYE12

Balance sheet

Loans to customers

 

RUB

16,193

17,975

18,951

18,426

15,356

   

USD

267 247  337

563

506

Total assets

 

RUB

54,367

49,687

45,004

37,969

32,942

   

USD

896 682  800

1,160

1,085

Customer accounts

 

RUB

44,500

41,435

34,099

30,744

27,882

   

USD

734 569  606

939

918

Total liabilities

 

RUB

47,286

44,074

40,269

33,610

29,271

   

USD

780 610  716

1,027

964

Income statement

Net Interest Income

 

RUB

2,454

1,759

1,537

1,572

1,415

   

USD

40 24  27

48

47

Net non-interest Income

 

RUB

1,227

1,138

552

800

778

   

USD

20 16  10

24

26

Operating Income

 

RUB

3,681

2,897

2,089

2,372

2,192

   

USD

61 40  37

72

72

Operating Expenses

 

RUB

2,009

1,826

1,626

1,518

1,305

   

USD

33 25  29

46

43

Net Profit

 

RUB

1,468

878

379

664

702

   

USD

24 12  7

20

23

Key Ratios (%)

Capital Adequacy

    19.82  15.24  14.23

17.62

17.41

Tier I Ratio

    18.60  14.25  12.20

16.07

15.65

NPL/Customer Loans

    1.32  1.60  1.10

1.10

1.60

 

Source

IFRS Audited financial statements (rate RUB 30.3727 per US$1 as of 31.12.2012)

IFRS Audited financial statements (rate RUB 32.7292 per US$1 as of 31.12.2013)

IFRS Audited financial statements (rate RUB 56.2584 per US$1 as of 31.12.2014)

IFRS Audited financial statements (rate RUB 72.8827 per US$1 as of 31.12.2015)

IFRS Audited financial statements (rate RUB 60.6569 per US$1 as of 31.12.2016)