Loans and advances to customers

The Group’s total gross loan portfolio increased 22.4% y-o-y to RUB 13.5 trillion. The main driver underlying the growth in the loan portfolio were loans to individuals, which increased by 32.1% in 2013 versus a 19.1% growth in loans to legal entities. As a result, loans to individuals increased by 2.1 percentage points to 27.7% of total gross loans.

2013

2012

The retail portfolio expanded by 32.1% y-o-y to RUB 3.7 trillion. The structure of the loan portfolio shifted towards mortgage loans, which increased in 2013 by 1.3 percentage points to 11.6% of total gross loans.

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2013

2012

RUB bn

% of total

RUB bn

% of total

Commercial loans to legal entities

6,223.9

46.0%

5,281.5

47.8%

Specialized loans to legal entities

3,572.1

26.3%

2,946.3

26.6%

Consumer and other loans to individuals

1,672.8

12.3%

1,371.5

12.4%

Mortgage loans to individuals

1,569.0

11.6%

1,143.4

10.3%

Credit cards and overdrafts

349.0

2.6%

198.2

1.8%

Car loans to individuals

157.2

1.2%

123.4

1.1%

Total loans and advances to customers
before provisionfor loan impairment

13,544.0

100.0%

11,064.30

100.0%

The portfolio of loans to legal entities expanded by 19.1% y-o-y to RUB 9.8 trillion. In 2013, the Group successfully increased underwriting of loans to all categories of clients, especially in the SME segment. These efforts resulted in a decline of exposure to the Top 20 clients from 19.3% of the total portfolio of loans to legal entities in 2012 to 18.5% as of 2013 year-end.

Credit quality

The provision coverage of the total gross loan portfolio declined from 5.1% to 4.5% in 2013. In 2013, the proportion of NPL90+ (non-performing loans with principal or interest payments overdue more than 90 days) in the total loan portfolio of the Group declined to 2.9% as compared to 3.2% in the previous year.

The provision coverage of restructured loans remained at a comfortable level above 150% in 2013.

In 2013, loans written off against the provision amounted to RUB 89.5 bn versus RUB 118.6 bn in the previous year.

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