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VTB Analyst Consensus

P&L indicators (in RUB, bn)

FY 2011

FY 2012

FY 2013

FY 2014

Interest income

393,4

536,8

613,4

692,5

Interest expense

-182,4

-270,4

-296,5

-331,1

Net interest income1

210,7

266,3

304,2

351,3

Net fee and commission income

38,1

49,7

58,7

68,5

Net result from financial instruments

3,4

20,2

20,7

25,3

Other income

35,9

18,4

20,0

24,0

Operating income before provisions

286,8

352,9

407,9

457,4

Provision charge for impairment

-36,8

-62,1

-66,4

-76,8

Operating income after provisions

250,0

292,2

340,0

394,4

Staff and administrative costs

-132,4

-160,5

-178,4

-204,9

Other non-operating income

1,5

0,0

0,0

0,0

Profit before taxation

119,5

130,6

160,9

191,3

Tax

-27,1

-26,0

-32,9

-38,3

Net profit / (loss) attributable to shareholders of the parent:

93,3

101,8

125,3

153,1

Net profit2

92,5

103,4

128,2

153,0

Net profit - MAX

104,8

124,8

144,7

164,6

Net profit - MIN

89,8

53,9

76,8

112,8

Net profit - Average

93,6

102,2

124,9

147,2

(1) Before provision for loan impairment

(2) Includes minority interest

Ratios (%)(excl. BoM)

FY 2011

FY 2012

FY 2013

FY 2014

ROE3

15,7%

15,6%

16,8%

16,5%

NIM4

4,6%

4,7%

4,7%

4,6%

Provision charge/Average gross loan portfolio

1,0%

1,3%

1,2%

1,3%

NPL ratio (90+ days) 6

5,9%

5,9%

5,6%

5,6%

Allowance for loan impairment / NPLs

112,5%

112,1%

117,2%

128,9%

CIR 5

45,8%

47,0%

43,3%

43,5%

Balance sheet indicators (in RUB, bn)

31.12.11

31.12.12

31.12.13

31.12.14

Total gross loans

4 553

5 110

5 824

6 856

- Corporate loans, gross

3 721

4 130

4 706

5 326

- Retail loans, gross

815

979

1 177

1 408

Allowance for loan impairment

-301

-347

-396

-440

Total net loans

4 251

4 758

5 447

6 361

Total assets

6 536

7 165

8 110

9 418

Total deposits

3 597

4 117

4 725

5 241

- Corporate deposits

2 396

2 661

3 015

3 318

- Retail deposits

1 144

1 395

1 670

1 923

Total liabilities

5 871

6 436

7 250

8 423

* Notes: corporate deposits incl. state deposits

(3) Calculated using net profit and average assets / equity (all including minority interest)

(4) 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

(5) Staff costs and administrative expenses divided by operating income before porovisions

(6) Non-performing loans (NPLs) represent impaired loans with repayments overdue by over 90 days. NPLs are calculated including the entire principal and interest payments. Ratio is calculated to total gross loans

The consensus for FY’2011 and the years 2011-2014 based on analytical data from 19 investment banks (Gazprom Bank, Citi, Credit Suisse, Deutsche Bank, Goldman Sachs, ING, Keefe, Bruyette & Woods, Metropol, Morgan Stanly, BofA – Merrill Lynch, Renaissance Capital, TKB Capital, UniCredit Securities, Uralsib Capital, Alfa Bank, Sovlink, Barclays, Troika Dialog, JP Morgan) as of April 23, 2012.


The forecasts above have been provided to VTB by contributing investment analysts, and are, as such, publicly available information. The forecasts above are not, in any way, based on VTB proprietary forecasts. They are not endorsed by VTB nor does VTB assume any obligation to revise them to reflect circumstances arising after the date below.


Last updated on: 23 April 2012

 
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