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VTB Analyst Consensus

P&L indicators (in RUB, bn)
1Q'11
FY 2011
FY 2012
FY 2013
Interest income
87.1384.4453.6531.6
Interest expense
-42.0-186.5-219.8-258.0
Net interest income145.1197.9238.1273.5
Net fee and commission income7.434.943.353.2
Net result from financial instruments6.917.618.821.1
Share in income of associates and joint ventures0.52.87.69.8
Other income2.812.112.714.1
Operating income before provisions 62.6265.0320.0371.1
Provision charge for impairment-9.0-36.2-35.1-43.9
Operating income after provisions53.5228.9284.9327.2
Staff and administrative costs-28.4-119.1-136.8-157.0
Profit before taxation25.1109.8144.3170.3
Tax-5.0-22.0-28.7-34.1
    Net profit / (loss) attributable to shareholders of the parent:19.684.9111.2126.0
Net profit 220.187.7115.6136.2

(1) Before provision for loan impairment
(2) Includes minority interest

Ratios (%)
1Q'11
FY 2011
FY 2012
FY 2013
ROE 3
13.7%14.4%16.6%17.0%
NIM 4
4.7%4.8%4.8%4.8%
CIR 5
45.5%45.0%42.9%42.4%
Provision charge/Average gross loan portfolio
1.2%0.9%1.2%0.9%
NPL ratio (90+ days) 6
8.4%7.5%13.0%5.3%
Allowance for loan impairment / NPLs
103.0%108.7%110.0%126.8%

Balance sheet indicators (in RUB, bn)
31.03.11.
FY 2011
FY 2012
FY 2013
Total gross loans
3,1083,6184,2705,084
- Corporate loans, gross
2,5512,9463,4414,052
- Retail loans, gross
5586718281,032
Allowance for loan impairment
-279-295-310-331
Total net loans
2,8303,3233,9594,753
Total assets
4,3934,9775,7946,794
Total deposits
2,3112,6783,1993,823
- Corporate deposits
1,5351,7562,0662,435
- Retail deposits
7769221,1331,388
Total liabilities
3,7974,3295,0475,932

* 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 6M’2011 and the years 2011-2013 based on analytical data from 16 investment banks (Gazprom Bank, Citi, Credit Suisse, Deutsche Bank, Goldman Sachs, ING, JP Morgan, Keefe, Bruyette & Woods, Metropol, Renaissance Capital, Societe Generale, TKB Capital, Troika Dialog, UBS, UniCredit Securities, Uralsib Capital) as of August 29, 2011.

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: 29 August 2011


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