OTP Bank Russia

OTP Bank Russia's mortgage loans fell 17.4% to RUB 3.45 bil in 2017

By Helgi Analytics - November 29, 2018

OTP Bank Russia's mortgage loans reached RUB 3.45 bil in 2017, down 17.4% compared to the previous year. Russian banking sector...

OTP Bank Russia's net interest margin fell 10.7% to 12.3% in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's net interest margin amounted to 12.3% in 2017, down from 13.8% compared to the previous year. Historical...

OTP Bank Russia's costs (as % of assets) rose 10.8% to 11.0% in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's cost to income ratio reached 63.8% in 2017, up from 56.4% compared to the previous year. Historically, t...

Profit Statement 2015 2016 2017
Net Interest Income RUB bil 19.5 17.1 15.0
Fee Income (As % Of Revenues) % 13.0 19.4 26.3
Other Income RUB bil 2.06 0.562 0.534
Total Revenues RUB bil 24.8 22.0 21.1
Staff Cost RUB bil 6.83 6.92 7.57
Operating Profit RUB bil 12.6 9.58 7.63
Provisions RUB bil 17.8 6.06 4.76
Net Profit RUB bil -4.27 2.63 2.15
Balance Sheet 2015 2016 2017
Interbank Loans RUB bil 11.3 29.2 23.1
Customer Loans RUB bil 79.7 68.3 73.8
Debt Securities RUB bil 18.4 9.38 13.1
Total Assets RUB bil 128 120 124
Shareholders' Equity RUB bil 20.9 23.6 25.7
Interbank Borrowing RUB bil 9.12 5.86 1.58
Customer Deposits RUB bil 82.8 79.7 86.7
Issued Debt Securities RUB bil 5.96 5.47 5.21
Ratios 2015 2016 2017
ROE % -18.5 11.8 8.72
ROA % -2.87 2.12 1.76
Costs (As % Of Assets) % 8.21 9.96 11.0
Costs (As % Of Income) % 49.1 56.4 63.8
Capital Adequacy Ratio % 13.3 15.5 16.0
Net Interest Margin % 13.2 13.8 12.3
Loans (As % Of Deposits) % 96.3 85.6 85.2
NPLs (As % Of Loans) % 19.4 21.5 16.7
Provisions (As % Of NPLs) % 113 115 129
Growth Rates 2015 2016 2017
Total Revenue Growth % -18.5 -11.5 -3.89
Operating Cost Growth % -5.55 1.49 8.80
Operating Profit Growth % -28.0 -24.1 -20.3
Net Profit Growth % 137 -162 -18.5
Customer Loan Growth % -26.4 -14.3 8.14
Total Asset Growth % -23.9 -6.41 3.06
Customer Deposit Growth % -10.6 -3.65 8.71
Shareholders' Equity Growth % -16.7 12.4 9.19
Employees 4,787 4,744 4,956

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summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income RUB bil ... ... ...   20.1 25.0 27.3 25.8 19.5    
Total Revenues RUB bil ... ... ...   22.8 28.0 32.6 30.4 24.8    
Operating Profit RUB bil ... ... ...   14.1 18.2 20.7 17.5 12.6    
Net Profit RUB bil ... ... ...   6.00 6.41 0.876 -1.80 -4.27    
balance sheet                      
Interbank Loans RUB bil ... ... ...   5.96 12.9 8.73 4.47 11.3    
Customer Loans RUB bil ... ... ...   90.2 102 106 108 79.7    
Debt Securities RUB bil ... ... ...   8.24 16.1 14.0 28.9 18.4    
Total Assets RUB bil ... ... ...   117 142 144 169 128    
Shareholders' Equity RUB bil ... ... ...   19.9 26.9 27.5 25.1 20.9    
Interbank Borrowing RUB bil ... ... ...   12.3 10.3 8.60 24.5 9.12    
Customer Deposits RUB bil ... ... ...   66.1 83.1 86.8 92.6 82.8    
Issued Debt Securities RUB bil ... ... ...   16.5 18.5 18.0 6.40 5.96    
ratios                      
ROE % ... ... ...   34.9 27.4 3.22 -6.85 -18.5    
ROA % ... ... ...   5.60 4.96 0.613 -1.15 -2.87    
Costs (As % Of Assets) % ... ... ...   8.10 7.64 8.34 8.26 8.21    
Costs (As % Of Income) % ... ... ...   38.1 35.2 36.6 42.4 49.1    
Capital Adequacy Ratio % ... ... ...   19.3 16.2 14.0 12.1 13.3    
Net Interest Margin % ... ... ...   18.7 19.3 19.1 16.5 13.2    
Interest Income (As % Of Revenues) % ... ... ...   88.0 89.1 83.8 84.7 78.7    
Fee Income (As % Of Revenues) % ... ... ...   11.0 10.3 9.52 11.4 13.0    
Staff Cost (As % Of Total Cost) % ... ... ...   59.5 57.5 56.1 59.4 56.0    
Equity (As % Of Assets) % ... ... ...   17.1 18.9 19.1 14.9 16.3    
Loans (As % Of Deposits) % ... ... ...   136 123 122 117 96.3    
Loans (As % Assets) % ... ... ...   77.2 71.8 73.5 64.2 62.1    
NPLs (As % Of Loans) % ... ... ...   14.5 20.6 19.2 14.8 19.4    
Provisions (As % Of NPLs) % ... ... ...   89.9 90.9 104 115 113    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Interest Income RUB bil ... ... ...   24.2 31.0 34.9 32.3 28.2    
Interest Cost RUB bil ... ... ...   4.12 6.05 7.55 6.53 8.68    
Net Interest Income RUB bil ... ... ...   20.1 25.0 27.3 25.8 19.5    
Net Fee Income RUB bil ... ... ...   2.50 2.88 3.10 3.46 3.22    
Other Income RUB bil ... ... ...   0.230 0.169 2.18 1.21 2.06    
Total Revenues RUB bil ... ... ...   22.8 28.0 32.6 30.4 24.8    
Staff Cost RUB bil ... ... ...   5.17 5.68 6.68 7.67 6.83    
Depreciation RUB bil ... ... ...   0.548 0.635 0.780 0.911 1.15    
Other Cost RUB bil ... ... ...   2.97 3.56 4.44 4.33 4.21    
Operating Cost RUB bil ... ... ...   8.69 9.88 11.9 12.9 12.2    
Operating Profit RUB bil ... ... ...   14.1 18.2 20.7 17.5 12.6    
Provisions RUB bil ... ... ...   6.45 10.1 19.6 19.6 17.8    
Extra and Other Cost RUB bil ... ... ...   0 0 < -0.001 0 0    
Pre-Tax Profit RUB bil ... ... ...   7.67 8.08 1.06 -2.09 -5.20    
Tax RUB bil ... ... ...   1.66 1.67 0.184 -0.290 -0.936    
Minorities RUB bil ... ... ...   0 0 0 0 0    
Net Profit RUB bil ... ... ...   6.00 6.41 0.876 -1.80 -4.27    
growth rates                      
Net Interest Income Growth % ... ... ... ... 35.9 24.6 9.20 -5.62 -24.2    
Net Fee Income Growth % ... ... ... ... 75.7 15.0 7.70 11.6 -7.05    
Total Revenue Growth % ... ... ... ... 37.8 23.0 16.1 -6.57 -18.5    
Operating Cost Growth % ... ... ... ... 25.9 13.8 20.5 8.41 -5.55    
Operating Profit Growth % ... ... ... ... 46.3 28.7 13.8 -15.2 -28.0    
Pre-Tax Profit Growth % ... ... ... ... 77.9 5.38 -86.9 -297 149    
Net Profit Growth % ... ... ... ... 78.2 6.82 -86.3 -306 137    
market share                      
Market Share in Revenues % ... ... ...   0.654 0.707 0.719 0.506 0.371    
Market Share in Net Profit % ... ... ...   0.886 0.812 0.121 ... ...    
Market Share in Employees % ... ... ... ... ... ... ... 0.631 0.571 ... ...
Market Share in Branches %         0.338 0.342 0.463 0.476 0.362    
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Cash RUB bil ... ... ...   8.80 7.71 9.90 20.8 11.2    
Interbank Loans RUB bil ... ... ...   5.96 12.9 8.73 4.47 11.3    
Customer Loans RUB bil ... ... ...   90.2 102 106 108 79.7    
Retail Loans RUB bil ... ... ...   82.9 121 126 123 90.9    
Mortgage Loans RUB bil ... ... ...   8.63 6.62 5.65 5.93 5.96    
Consumer Loans RUB bil ... ... ...   74.3 114 120 117 84.9    
Corporate Loans RUB bil ... ... ...   20.8 16.1 14.4 7.80 11.2    
Debt Securities RUB bil ... ... ...   8.24 16.1 14.0 28.9 18.4    
Fixed Assets RUB bil ... ... ...   2.53 2.62 3.26 3.69 4.05    
Total Assets RUB bil ... ... ...   117 142 144 169 128    
Shareholders' Equity RUB bil ... ... ...   19.9 26.9 27.5 25.1 20.9    
Of Which Minority Interest RUB bil ... ... ...   0 0 0 0 0    
Liabilities RUB bil ... ... ...   97.0 115 116 144 107    
Interbank Borrowing RUB bil ... ... ...   12.3 10.3 8.60 24.5 9.12    
Customer Deposits RUB bil ... ... ...   66.1 83.1 86.8 92.6 82.8    
Retail Deposits RUB bil ... ... ...   45.2 55.8 58.0 63.7 59.3    
Corporate Deposits RUB bil ... ... ...   20.9 27.3 28.8 29.0 23.5    
Sight Deposits RUB bil ... ... ... ... ... 23.4 22.4 20.5 22.3    
Term Deposits RUB bil ... ... ... ... ... 59.7 64.4 72.2 60.5    
Issued Debt Securities RUB bil ... ... ...   16.5 18.5 18.0 6.40 5.96    
Other Liabilities RUB bil ... ... ...   2.11 3.08 2.83 20.0 9.55    
asset quality                      
Non-Performing Loans RUB bil ... ... ...   15.0 25.8 25.3 19.3 19.8    
Gross Loans RUB bil ... ... ...   104 125 132 130 102    
Total Provisions RUB bil ... ... ...   13.5 23.5 26.2 22.1 22.4    
growth rates                      
Customer Loan Growth % ... ... ... ... 32.7 12.9 3.74 2.50 -26.4    
Retail Loan Growth % ... ... ... ... 43.8 45.9 4.10 -2.60 -25.8    
Mortgage Loan Growth % ... ... ... ... -12.8 -23.3 -14.6 4.92 0.518    
Consumer Loan Growth % ... ... ... ... 55.5 53.9 5.18 -2.95 -27.2    
Corporate Loan Growth % ... ... ... ... -0.140 -22.8 -10.4 -45.8 43.4    
Total Asset Growth % ... ... ... ... 20.0 21.4 1.28 17.4 -23.9    
Shareholders' Equity Growth % ... ... ... ... 37.7 34.9 2.26 -8.54 -16.7    
Customer Deposit Growth % ... ... ... ... 12.8 25.7 4.52 6.68 -10.6    
Retail Deposit Growth % ... ... ... ... 17.2 23.3 4.07 9.70 -6.92    
Corporate Deposit Growth % ... ... ... ... 4.38 30.8 5.44 0.591 -18.8    
market share                      
Market Share in Customer Loans % ... ... ...   0.363 0.341 0.297 0.238 0.162    
Market Share in Corporate Loans % ... ... ...   0.128 0.086 0.068 0.028 0.037    
Market Share in Retail Loans % ... ... ...   1.83 2.00 1.64 1.50 1.27    
Market Share in Consumer Loans % ... ... ...   1.50 1.57 1.26 1.08 0.851    
Market Share in Mortgage Loans % ... ... ...   0.583 0.331 0.213 0.168 0.150    
Market Share in Total Assets % ... ... ...   0.300 0.304 0.265 0.231 0.167    
Market Share in Customer Deposits % ... ... ...   0.375 0.404 0.364 0.295 0.221    
Market Share in Retail Deposits % ... ... ...   0.385 0.391 0.342 0.343 0.255    
Market Share in Corporate Deposits % ... ... ...   0.249 0.284 0.266 0.170 0.124    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE % ... ... ...   34.9 27.4 3.22 -6.85 -18.5    
ROA % ... ... ...   5.60 4.96 0.613 -1.15 -2.87    
Costs (As % Of Assets) % ... ... ...   8.10 7.64 8.34 8.26 8.21    
Costs (As % Of Income) % ... ... ...   38.1 35.2 36.6 42.4 49.1    
Capital Adequacy Ratio % ... ... ...   19.3 16.2 14.0 12.1 13.3    
Tier 1 Ratio % ... ... ...   17.8 15.2 12.2 9.89 10.1    
Net Interest Margin % ... ... ...   18.7 19.3 19.1 16.5 13.2    
Interest Spread % ... ... ... ... 18.0 18.3 17.9 15.6 12.1    
Asset Yield % ... ... ...   22.6 24.0 24.4 20.7 19.0    
Cost Of Liabilities % ... ... ... ... 4.58 5.71 6.53 5.02 6.91    
Interest Income (As % Of Revenues) % ... ... ...   88.0 89.1 83.8 84.7 78.7    
Fee Income (As % Of Revenues) % ... ... ...   11.0 10.3 9.52 11.4 13.0    
Other Income (As % Of Revenues) % ... ... ...   1.01 0.601 6.68 3.97 8.30    
Cost Per Employee USD per month ... ... ...   2,869 2,945 2,905 2,278 1,779    
Cost Per Employee (Local Currency) RUB per month ... ... ...   84,336 91,480 92,537 106,605 118,883    
Staff Cost (As % Of Total Cost) % ... ... ...   59.5 57.5 56.1 59.4 56.0    
Equity (As % Of Assets) % ... ... ...   17.1 18.9 19.1 14.9 16.3    
Loans (As % Of Deposits) % ... ... ...   136 123 122 117 96.3    
Loans (As % Assets) % ... ... ...   77.2 71.8 73.5 64.2 62.1    
NPLs (As % Of Loans) % ... ... ...   14.5 20.6 19.2 14.8 19.4    
Provisions (As % Of NPLs) % ... ... ...   89.9 90.9 104 115 113    
Provisions (As % Of Loans) % ... ... ...   14.9 23.0 24.8 20.4 28.1    
Cost of Provisions (As % Of Loans) % ... ... ...   8.15 10.5 18.9 18.3 19.0    
other data Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                      
Branches         148 146 200 198 134    
Employees         5,108 5,177 6,020 5,992 4,787    
ATMs         242 255 222 228 233    
Sight (As % Of Customer Deposits) % ... ... ... ... ... 28.2 25.8 22.1 26.9    

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OTP Bank Russia's branches remain unchanged at 134 in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia employed 4,956 persons in 2017, up 4.46% compared to the previous year. Historically, the bank's workforce hit an all time high of 6,020 persons in 2013 and an all time low of 3,787 in 2007. The bank operated a network of 134 branches and 2...

OTP Bank Russia's npls (as % of loans) fell 22.4% to 16.7% in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's non-performing loans reached 16.7% of total loans at the end of 2017, down from 21.5% compared to the previous year. Historically, the NPL ratio hit an all time high of 21.5% in 2016 and an all time low of 12.3% in 2010. Provision coverage...

OTP Bank Russia's net profit fell 18.5% to RUB 2.15 bil in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia made a net profit of RUB 2.15 bil under revenues of RUB 21.1 bil in 2017, up -18.5% and -3.89% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 6.41 bil in 2012 and an all time low of RUB ...

OTP Bank Russia's customer loans rose 8.14% to RUB 73.8 bil in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's customer loans reached RUB 73.8 bil in 2017, up 8.14% compared to the previous year. Russian banking sector provided customer loans of RUB 48,542 bil in 2017, up 3.85% when compared to the last year. OTP Bank Russia accounted for 0.152% ...

OTP Bank Russia's total revenues fell 3.89% to RUB 21.1 bil in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia generated total banking revenues of RUB 21.1 bil in 2017, down 3.89% compared to the previous year. Russian banking sector banking sector generated total revenues of RUB 10,903,149 mil in 2017, down 16.9% when compared to the last year...

OTP Bank Russia's employees rose 4.46% to 4,956 in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia employed 4,956 persons in 2017, up 4.46% when compared to the previous year. Historically, the bank's workforce hit an all time high of 6,020 persons in 2013 and an all time low of 4,744 in 2016. Average cost reached USD 2,153 per month per employ...

OTP Bank Russia's customer deposits rose 8.70% to RUB 86.7 bil in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's customer deposits reached RUB 86.7 bil in 2017, up 8.70% compared to the previous year. Russian banking sector accepted customer deposits of RUB 37,471 bil in 2017, up 6.51% when compared to the last year. OTP Bank Russia accounted for 0...

OTP Bank Russia's retail deposits rose 8.05% to RUB 60.7 bil in 2017

By Helgi Analytics - September 20, 2018

OTP Bank Russia's retail deposits reached RUB 60.7 bil in 2017, up 8.05% compared to the previous year. Russian banking sector accepted retail deposits of RUB 25,987 bil in 2017, up 7.38% when compared to the last year. OTP Bank Russia accounted for 0.233...

OTP Bank Russia's net interest income fell 12.4% to RUB 15.0 bil in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia generated total banking revenues of RUB 21.1 bil in 2017, down 3.89% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RUB 32.6 bil in 2013 and ...

OTP Bank Russia's capital adequacy ratio rose 2.90% to 16.0% in 2017

By Helgi Analytics - September 10, 2018

OTP Bank Russia's capital adequacy ratio reached 16.0% at the end of 2017, up from 15.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.2% in 2010 and an all time low of 12.1% in 2014. The Tier 1 ratio amounte...

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Finance

OTP Bank Russia has been growing its revenues and asset by -5.53% and -2.70% a year on average in the last 5 years. Its loans and deposits have grown by -6.23% and 0.854% a year during that time and loans to deposits ratio reached 85.2% at the end of 2017. The company achieved an average return on equity of -0.318% in the last five years with net profit growing -19.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.8% in 2017, compared to 49.7% average in the last five years.

Equity represented 20.8% of total assets or 34.8% of loans at the end of 2017. OTP Bank Russia's non-performing loans were 16.7% of total loans while provisions covered some 129% of NPLs at the end of 2017.