VTB at a Glance

VTB Investor presentation
27.02.10.VTB_Investor_presentation.pdf, 471 KB, 26 February 2010

JSC VTB Bank is the largest financial institution in Russia. It is the main entity of the VTB Group, a leading universal Russian banking group offering a wide range of banking products and services in Russia, the CIS, Western Europe, Africa and Asia.

VTB is a leading banking group, representing Russia in international markets and providing professional financial services. VTB brings international experience to the contemporary Russian banking system, which promotes the success of our clients. We are proud to introduce to the world a Russia that is ready for meaningful partnership and development. VTB strives to offer Russia`s intellectual and spiritual potential, strong character and hospitality to the world, and is building qualitatively new relationships internationally.

Key financials
Key financials.xls, 24 KB, 23 December 2009

Key financials
Key financials.pdf, 41 KB, 23 December 2009

Key financials (RUR bn)*	9M2009	2008**	2007**	2006**	2005**	2004**
Core income1,6	122.1	129.9	79.6	56.1	30.5	19.8
Net profit2	45.5	4.6	38.7	32.1	14.5	5.9
Assets	3,583.8	3,697.4	2,273.2	1,379.8	1,057.0	494.2
Loans and advances to customers	2,728.8	2,650.3	1,473.3	796.1	591.0	297.5
- loans to individuals	420.8	387.1	188.6	66.7	24.5	3.6
- corporate loans	2,308.0	2,263.2	1,284.7	729.4	566.5	293.9
Customer deposits	1,518.4	1,101.9	910.6	526.3	367.5	167.2
- individuals	430.2	354.1	262.2	192.9	149.1	58.6
- corporate (incl. government bodies)	1,088.2	747.8	648.4	333.4	218.4	108.6
Net interest margin3	4.3%	4.8%	4.4%	4.5%	4.7%	4.7%
Return on assets4	-1.6%	0.2%	2.2%	2.6%	2.4%	1.5%
Return on equity4	-14.6%	1.3%	12.3%	19.7%	17.7%	8.2%
Cost to income ratio5	nm	nm	53.6%	50.8%	54.0%	65.2%
Cost to core income ratio6	43.0%	51.9%	63.7%	66.3%	68.6%	74.6%
Amount of dividends paid, % of net profit	-	50.12	20.0	13.2	17.9	17.9

*Please note that financial statements expressed in rubles, are unaudited
**Key financials are calculated on basis of VTB Group`s audited financial statements, expressed in US dollars, thus may be subject to further revision.

1. Calculated including net interest income before provisions, and net fee and commission income.
2. Including minority interest.
3. Net interest income divided by average interest earning assets, which include gross loans and advances to customers, due from other banks (gross) and debt securities.
4. Calculated using net profit and average assets/equity (all including minority interest).
5. Calculated including provision for loan impairment and excluding income and expenses from non-banking activities.
6. The figure excludes US$ 57 mln one-off depositary fee received in 2Q 2007.