Comparison with Competitors

Non-state owned Russian universal banks

Growth
Asset СAGR (2014-2019)
Capital
Capital Adequancy Ratio
Loan Portfolio Quality
Stage 3 & POCI RatioStage 3 and POCI (Purchased or originated credit-impaired) loans divided by gross loans to customers at amortised cost, except for Rosbank for which calculated as [Stage 3 + POCI loans]/[All gross loans to customers].
For Rosbank the calculation of Stage 3 & POCI Ratio is as at 30 September2019.

Foreign-owned universal banks

Growth
Asset СAGR (2014-2019)
Capital
Capital Adequancy Ratio
Loan Portfolio Quality
Stage 3 & POCI RatioStage 3 and POCI (Purchased or originated credit-impaired) loans divided by gross loans to customers at amortised cost, except for Rosbank for which calculated as [Stage 3 + POCI loans]/[All gross loans to customers].
For Rosbank the calculation of Stage 3 & POCI Ratio is as at 30 September2019.

Russian state-owned lagrge caps

Growth
Asset СAGR (2014-2019)
Capital
Capital Adequancy Ratio
Loan Portfolio Quality
Stage 3 & POCI RatioStage 3 and POCI (Purchased or originated credit-impaired) loans divided by gross loans to customers at amortised cost, except for Rosbank for which calculated as [Stage 3 + POCI loans]/[All gross loans to customers].
For Rosbank the calculation of Stage 3 & POCI Ratio is as at 30 September2019.
Source: Company data, publicly available IFRS financial statements