Mts Bank · RUS:MBNK
Mts Bank — Investor Presentation (September 2022)
10 slides from Mts Bank's investor presentation, September 2022
Slide 1: Investor Presentation September 2022
@ NITS BANK INVESTOR PRESENTATION September 2022
Slide 2: Key facts about MTS Bank
Key facts about MTS Bank Assets, RUB bn 288 151 180 217 2018 2019 2020 2021 Net income, RUB bn Covid 5.3 related provisions 18 0.6 0.8 2018 2019 2020 2021 Equity and capital adequacy, RUB bn 13% 14% 13% 13% 51 19 29 34 2018 2019 2020 2021 EXpert sie NHKP emTs™ 1
Slide 3: MTS Bank network: offices, ATMs, employees, regional centers
emTs™™ 1300 104 ATMs and payment MTS Bank offices terminals Employees! MTS retail outlets 9 c-) 9 ploy: v 9 West 9 Ural East regional 9 9 9 9 regional regional center 9 center center 99 ) Cd) % % South y 9 9 ; 9 regional % center
Slide 4: Core component of MTS digital ecosystem
CORE COMPONENT OF MTS DIGITAL ECOSYSTEM MTS subscribers, min people’ MTS Bank’s products and services are key to the MTS ecosystem. The Bank has potential Total number to accelerate growth significantly through e of MTS subscribers synergies with MTS * Telecom and fintech synergies: — MTSGroup Big D
Slide 5: Track record of outpacing the market
TRACK RECORD OF OUTPACING THE MARKET Retail loan portfolio growth year-on-year, % 76% 62% 29% 23% 22% 22% 22% 17% 15% 2019 2020 2021 Retail lending market Top-10 retail players MTS Bank emTs™ «
Slide 6: Pillars of growth
PILLARS OF GROWTH 1 Unique digital products and high quality user experience * Consumer lending products and services are actively expanding across MTS Group sales channels (retail chain, e-commerce). * Set of diverse consumer lending products underpinned by daily banking services provided through d
Slide 7: Retail segment: 88% of operating income
88% OF MTS BANK’S Retail lending is 86% of OPERATING INCOME the Bank’s loan portfolio COMES FROM RETAIL SEGMENT (toans (Mortgage )) (insurance ) Cards ) Private banking Payments and money transfers Current accounts and deposits Mobile app and web services.) (_
Slide 8: Focus on mid-market corporate clients and SME
FOCUS ON MID- G) 14% of the Bank’s NARKET CORPORATE loan portfolio CLIENTS AND SME C Loans, guarantees and factoring ) Payroll projects ( Settlement and cash services Remote bankingservices } (_ Financial markets ) Acquiring } USD 134 mn and Loan portfolio: EUR 55 mn average monthly 49% wholesale an
Slide 9: Key financial indicators
KEY FINANCIAL INDICATORS IFRS, RUB BN Assets Annual loan portfolio growth Total loan portfolio Operating income before provisions Net income Fintech clients and MTS Bank clients NPL, %% NPL Coverage, %% Cost to income, %% 2018 151,3 26% 72,6 12,8 0,61 9,5 10,2% M% 70% 2019 179,5 48% 107,4 17,6 1,82
Slide 10: Contacts
CONTACTS ir@mtsbank.ru