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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

FYE15

FYE14

FYE13

FYE12

FYE11

Balance sheet

Loans to customers

 

RUB

17,975

18,951

18,426

15,356

13,758

   

USD

247  337

563

506

427

Total assets

 

RUB

49,687

45,004

37,969

32,942

30,899

   

USD

682  800

1,160

1,085

960

Customer accounts

 

RUB

41,435

34,099

30,744

27,882

26,553

   

USD

569  606

939

918

825

Total liabilities

 

RUB

44,074

40,269

33,610

29,271

27,940

   

USD

610  716

1,027

964

868

Income statement

Net Interest Income

 

RUB

1,759

1,537

1,572

1,415

1,245

   

USD

24  27

48

47

39

Net non-interest Income

 

RUB

1,138

552

800

778

393

   

USD

16  10

24

26

12

Operating Income

 

RUB

2,897

2,089

2,372

2,192

1,638

   

USD

40  37

72

72

51

Operating Expenses

 

RUB

1,826

1,626

1,518

1,305

1,204

   

USD

25  29

46

43

37

Net Profit

 

RUB

878

379

664

702

371

   

USD

12  7

20

23

12

Key Ratios (%)

Capital Adequacy

    15.24  14.23

17.62

17.41

16.25

Tier I Ratio

    14.25  12.20

16.07

15.65

14.06

NPL/Customer Loans

    1.6  1.10

1.10

1.60

2.00

 

Source

IFRS Audited financial statements (average rate RUB 32.1961 per US$1 as of 31.12.2011)

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

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

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

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