The main source of profit were net interest income in the volume of RUB 1.7 bln. Net fee and commission income totaled RUB 0.8 bln. The bank's loan portfolio exceeded RUB 92 bln. The loan portfolio is based on loans to corporate clients amounting to RUB 62.1 bln. The volume of loans to individuals reached RUB 30.6 bln and composed mainly of mortgages.
TKB’s capital was at the point of RUB 16 bln. Capital adequacy ratio H1.0 - 12.6% (min required 8%), H1.1 - 8.9% (min required 4.5%), H1.2 - 10.3% (min required 6%).
The quick liquidity ratio - 126.2% (min required 15%), current liquidity ratio - 223.9% (min required 50%).
The Group’s assets increased to RUB 257.2 bln (USD 3.7 bln) on the reporting date from the beginning of 2018. Total equity stand at RUB 21.1 bln (USD 303.7 mio).
Net interest income reached RUB 3.8 bln (USD 54.7 mio). Net fee and commission income totaled RUB 1.8 bln (USD 26 mio). Customer accounts stand at RUB 143.5 bln (USD 2 bln).
Loans and advances to customers are in excess of RUB 122.2 bln (USD 1.8 bln) less provisions. The main part of the credit portfolio represents loans to corporate clients in the amount of RUB 74.4 bln (USD 1.1 bln). The volume of the loans to individuals reached more than RUB 47.8 bln (USD 688 mio) and composed mostly of mortgages.
The main source of profit were net interest income in the volume of RUB 1.109 bln (USD 17 mio) and net fee and commission income totaled RUB 370.7 mio (USD 5.7 mio). Loan portfolio reached RUB 90.9 bln (USD 1.4 bln) and composed mostly of loans to corporates exceeded USD 66.6 bln (USD 1 bln). The volume of loans to individuals stand at RUB 24.2 bln and composed mostly of mortgages.
TKB’s capital was at the point of RUB 15.8 bln. Capital adequacy ratio Н1.0 – 11.8% (min required 8%), Н1.1 – 8.5% (min 4.5%), Н1.2 – 9.8% (min 6%).
Quick liquidity ratio – 93.5% (min 15%), Current liquidity ratio – 114.3% (min 50%).
The Ministry of Economic Development of the Russian Federation included TRANSKAPITALBANK (TKB) into the list of the authorized financial institutions participating in the SME soft bank lending program in accordance with the RF Government Regulation No.1764 dated December 30, 2018 “On approval of regulations for provision of grants to the Russian financial institutions for compensation of the lost income under loans, granted in 2019 – 2024 to SME borrowers with concessionary interest rates”.
The realization of this Program is scheduled within the governmental national project - “Small and medium sized entrepreneurship and support of the business initiative”.
The participation in the a.m. Program enables TKB to provide the SME clients with loans bearing an attractive interest rate and contribute to the development of the SME business in different Russian regions.
TKB is also an active participant of the Lending Program of the Ministry of Agriculture of the Russian Federation and is one of the banks, authorized by the Federal SME Development Corporation for supporting SME borrowers within the National Guarantee System.