Vtb · RUS:VTBR
Vtb — 9M 2023 Earnings Presentation
9 slides from Vtb's earnings presentation, October 2023
Slide 1: VTB Group IFRS results 9M 2023
=BTB 260 2023 r0 Pee? @uHaHcosple pe3ybTatbl rpynnbt BT 9m'2023
Slide 2: Disclaimer
Jaaniiannpesesaiy sina nonroroaneva BankoM BTS (/1AO) («BTBs) 6e3 nposenenin Hes2svcn™oii nposepKn. 3ra npeseHTaly He saNAeTCA KakuMETWGO NPeROXEHMEM WH MpuTRAWeHNEM AAs NpORARK UNM SMACCHM, XORATaIICTBOM ‘Ckakn-nu60 npennoxettem o noxynke, nopnwcke, aHqeppaimaHre Mn HHOM NpMOBPeTeHM, vw peKOMeHAa\M
Slide 3: Key results for Q3 2023
KJIOYEBDIE PE3YJIbTATbI 3 KBAPTANIA 2023 TOA MIP PYB VA V3MEHEHVEk 24°23 kee ol Yuctaa npoyeHTHaa Crommoctp pincka Pacxoapi / loxonb! mapxa (NIM) (CoR) (cIR) Bosepar Ha kanutan (RoE) > Mt Ke ion io nom 3,1% 1.1% vee / meee 36,3% 29, 63% () 89,4 (/) () 642 40,5% () A9% V23% 26,2% 29,5% 316.8 243,21 I
Slide 4: Key results for 9 months of 2023
KJIOUEBDIE PE3YJIbTATbI 9 MECALUEB 2023 TODA Mg PYE Yucran poyerTHan Croumoctb pucka = Pacxog! / Jloxopb! Bosspat Ha KanuTan mapxa (NIM) (Cor) (CIR) (RoE) 3,2% 1,0% 31,4% 138,3 967.3 A AW 26,7% i lJ K 158,2 -130,0 570,8 ll 375,9 -272,4 LL | -89,0 ucroie Yuctoie Tpowne ucroie Pesepsb! ‘Agmunucrpataso
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Slide 6: Capital management
YMPAB/IEHME KANUTASIOM JOCTATOYHOCTb KANUTANA ooo eee o cnop* > osu yPoBeHe "Oe STOR min 8,0% (H1.0) no Chope+ > BAZOBbIM KANMTAN —nocne chops > min4,5% (H1.1) no CNOD** > * cornacko ByxrantepcKoit bopme oTveTHOCTH NP 813, ** cornacuo 6yxramtepcxoit opme oTverHocTu NP 135 ' ' i e . @AKTOPEI, | BIIMS
Slide 7: Forecast for 2023
NPOTHO3 HA 2023 fof Kpequtpi tOs1 Kpequtpi OJ] Crommoctb pucka Yuctaa npoyexTHan Mapxa Yuctbie KOMUCCMOHHbIe AOXOAbI Pacxogpl / ,oxopbi Ynctasa npu6binb PentaGenbHoctb Kanutana Jloctatoynoctb 6a30B0r0 kKanutana (Hopmatues H1.1) Npornos of 27 anpena 2023 +12% +12% > 10% rog k roy = 40% Bpiwe yposHa 2
Slide 8: Key indicators of the income statement and performance indicators
OCHOBHDIE NOKA3ATEJIN OTYETA O MPVBbINIAX VU YBBITKAX Vi MOKA3ATESIU MJIPZ, PYB SMMEKTUBHOCTU OCHOBHBIE NOKA3ATEJIM OTYETA O MPUBbISIAX Vl YBbITKAX 9m'23 3xB'23 2xB'23 1xB'23() Uuctble NpOueHTHbIe HOXOpb! 570,8 197,9 197,0 175,9 Unctble KOMUCCMOHHbIe AOXOAbI 158,2 60,6 55,6 42,0 NMpoune onepaumonubl
Slide 9: Aggregated balance sheet and credit portfolio quality
ATPETMPOBAHHbIM BANAHC M KAYECTBO KPEQUTHOIO NOPTOENA ATPETMPOBAHHbIN BASIAHC 30 ceH 23 30 utoH 23 V3meHeHue 31 mek 22 V3meHeHue KpequtHbii nopTdenb Ao BbINeTa pe3zepBoB 20 083,1 19017,4 5,6% 17 356,4 15,7% - opuauyeckne nua 13 394,0 12 894,3 3,9% 11755,4 13,9% - usuyeckue nua 6 689,1 6 123,1 9,2% 5