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VTB Analyst Consensus

P&L indicators (in RUB, bn)

6M'11

FY 2011

FY 2012

FY 2013

Interest income

176.2

383.5

465.9

550.7

Interest expense

-82.1

-183.2

-226.2

-268.5

Net interest income1

94.1

200.4

239.6

282.2

Net fee and commission income

17.2

37.4

47.9

59.6

Net result from financial instruments

16.1

21.1

21.6

24.1

Share in income of associates and joint ventures

1.6

4.0

8.3

10.0

Other income

11.8

13.1

14.3

16.7

Operating income before provisions

141.0

275.9

331.6

392.5

Provision charge for impairment

-15.6

-35.4

-37.6

-49.8

Operating income after provisions

125.4

240.5

294.1

342.8

Staff and administrative costs

-66.1

-126.1

-147.6

-169.0

Profit before taxation

59.2

114.4

146.5

173.7

Tax

-12.1

-22.9

-29.1

-34.5

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

46.8

88.8

114.8

136.3

Net profit2

47.0

91.4

117.3

139.2

(1) Before provision for loan impairment

(2) Includes minority interest

Ratios (%)

6M'11

FY 2011

FY 2012

FY 2013

ROE3

15.5%

15.2%

17.0%

17.6%

NIM4

4.8%

4.9%

5.0%

5.0%

CIR 5

47.1%

45.6%

44.4%

43.0%

Provision charge/Average gross loan portfolio

1.1%

1.1%

1.3%

1.0%

NPL ratio (90+ days) 6

7.9%

7.4%

6.3%

5.4%

Allowance for loan impairment / NPLs

107.7%

106.6%

115.2%

122.3%

Balance sheet indicators (in RUB, bn)

30-Jun-11

31-Dec-11

31-Dec-12

31-Dec-13

Total gross loans

3,227

3,697

4,379

5,242

- Corporate loans, gross

2,616

2,999

3,511

4,146

- Retail loans, gross

611

698

868

1,096

Allowance for loan impairment

-277

-293

-309

-330

Total net loans

2,950

3,404

4,071

4,912

Total assets

4,633

5,183

6,032

7,094

Total deposits

2,543

2,850

3,411

4,094

- Corporate deposits

1,702

1,891

2,223

2,626

- Retail deposits

841

959

1,188

1,468

Total liabilities

4,050

4,534

5,285

6,231

* 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 grossv 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 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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