Vtb · RUS:VTBR

Vtb — Investor Presentation (January 2022)

36 slides from Vtb's investor presentation, January 2022

  1. Slide 1: Investor presentation, January 2022

    =BTB [IPESEHTALINA JIA VHBECTOPOB AHBapb 2022

  2. Slide 2: Disclaimer

    Tiannan npeserraua Soina noprorosneka BaiKom BTS (TAO) («BT6») 6es nposeneHuia HesaBvICuMoli npoBepx, 37a NpeseHTauMA He ABNATCA KaKVIM-nMOO NpeANOKeHMeM NM NpHINaWeHMeM A NOLAKN MNn SMMCCHN, XoAATalICTBOM C Kakum-nin6o npeqnoxeHvem o noKynKe, nlognucke, aHjeppalitlre unl MHOM npMobpeTeHMu, Wn peKoM

  3. Slide 3: Contents

    01 Tpynna BTB B Mdpax u dakTax O2 Ctpaterna M TpaHcopmayna 03 Bu3nec Tpynnbi BTB 04 NpunoxkeHna No3uuyy rpynnbi BTB Ha pbIHKe Ctpyktypa kanutana Cuctema KopmopaTuBHoro ynpaBneHna TnoGanbuble 6v3Hec-nuHANn Knioyesble cTpateruyeckue npuoputerb! rpynnb!| 2022 Crpatermueckve naptHepcrsa Avkamuka o6bemos

  4. Slide 4: VTB Group in figures and facts

    =BTB [TPYTMMA BT B uvdpax u Maktax ¢ fo3uuyv rpynnb! BTB Ha pbiHKe * Ctpyktypa Kanutana * Cuctema KopnopaTuBHOrO ynpaBneHua * [noOanbHble 6u3HeC-nUHUN . 4 44 am 25

  5. Slide 5: VTB Group's market position

    > Busiec ) Onnarcospie pesynbtate! =BTB == BTBB undpax ) Crp. = wdaktax ui Tpak HOM PbIHKA 2m Mo3uunn rpynnbi BTB Ha pbiHKe V A -cHayanarona 101115,8% 1118,1% Mnotexa 20,0% Kpeantpi 101 20,2% 1115,0% \ Cpeactsa KJIM@HTOB MUP POCCUA a 30.cen' 21 a oe GanKoecKnx Tpnu knwesoB 20,8 py6. 18 cTpaH 1 6 wi

  6. Slide 6: Capital structure of VTB Bank

    => BTBB undpax - run Busnec = wu aktax opmauna » Eve Ctpyktypa Kanutana OaHka BTB Crpyktypa akuMoHepHoro Kanutana, % =BTB ) Onnaticossie pesynerarel Crpyktypa akmoHepHoro Kanurana, CbopMupoBaHHoro OObIKHOBeHHIMM aKLMAMM, % nanuuie Ha 1 peK.'21 @ O6bikHoBeHHbie akyMM 47,2 (b co6ctseHHoctu Pocumyuyect

  7. Slide 7: Corporate governance system

    => BTBB undpax ) Ctpaterua = wcaktax u Tpaxcd ynsraTe =BTB > Bustec > Ounancc Cuctema KOpnopaTuBHoro ynpaBneHua BHewHnii = O6wee Vabupaer Pesw3monHan ' aygutop EY i ETS 6 Komuccua ' u caegaer coOpaHie akL\MOHepoB 4----- Orametaerca J- - - - - + ' Via6upaer Oruntbieaerca ' Komurer no crparerun Vis6up

  8. Slide 8: Global business lines

    => BTBB undpax =~ uaxtax y Ctpaterna > Buatec uTpancbopmauna [noOanbHble Ou3sHec - nUHUN ) Onnaticossie pesynerarel =BTB Hanpasnennsa 6u3Heca Axtiippi #30 #096" 21 Knneutet OcHosHbie dbakTbI "2 30ceH' 21 K + NP1 Mnpectaymonnbiit 6ank B Poccam OpnopaTUBHo- . Kpynubin 7 + NP2 Kopnoparusipiit balk 6 Po

  9. Slide 9: Strategic partnerships

    a eee = Ctpateruyeckue napTHepcTBa BIB

  10. Slide 10: Building a classic banking model through organic growth and M&A

    > BTB nda ==> Crpaterna u tpaHcbopmauna > Busiec ) Ounarcosbie pesynbrars Co3gaHue vu pa3BuTue Knaccuyeckon GaHKOBCKON Mogenu 3a C4eT OpraHnyeckoro pocta U NpuobpeTeHu Ha pbIHKe M&A OPFAHMYECKMHM POCT COENKU M&A MA : 2005 2013 | 2016: SS BTB24 @C2S MM bank Mocksw | . sane: O6vequnenve | ' 2008 H c 6

  11. Slide 11: Group strategy 2022

    BTB 8 undpax u gakta ==> Crpaterna = utpanchopmauna > Ctpaterna 2022 > Brsiec ) Onnancossie pe =BTB Pere eee eee ee eee eee ee 2022> 202 2 Undposv3zauns n Hosas TexHonormyeckaa Ctpateruyeckne 2 BekTopb! nyu nnathopma u NapTHepctBa — Bp pa3BuTuAa SS OMHMKaHanbHbiin KAMeHTCKM ONbIT Aonrocpo4Hoe NpeBOC

  12. Slide 12: Strategic partnerships

    BTB 8 undppax w baktax = Crpaterua & panchopmauna > Busnec ) Ounarcosbie pesynbtatel > Ctpateruyeckue napTHepcTBa =BTB Co3qaem ny4uume uHaHCoBble NPOAYKTbI M MHTerpupyem UX C NapTHepamn Hanpasnenua ABM KeHMA Uenn MakcumanbHbli oxBaT Becwosuble putaHcosble cepBucbl oe B MapTHepcKux uHTeppeiicax Tein

  13. Slide 13: Business

    =BTB — BVI3HEC VJ) ¢ Dvxamuka oObemos Ov3HeCca * Tekyluaa peHTaOenbHOCTb * LUndposu3auna Ou3Heca | L i ; + F—

  14. Slide 14: Business volume dynamics

    ▼▲ ▲ ЧИСТЫЕ ПРОЦЕНТНЫЕ ДОХОДЫ ▲ ЧИСТЫЕ КОМИССИОННЫЕ ▲ ▼ ДОХОДЫ ПРОЧИЕ ДОХОДЫ -3,3 ▼ ▼ ЧИСТЫЕ ОПЕРАЦИОННЫЕ ДОХОДЫ ▲ ˂ РЕЗЕРВЫ ПОД ОБЕСЦЕНЕНИЕ ▼ ▼ ˂ АУР ▲ Налог на прибыль ГкГ ▲ ▲ ЧИСТАЯ ПРИБЫЛЬ

  15. Slide 15: Balanced business growth

    BTB B undpax Crp: > in daxtax > atpar pmauna COanaHcupoBaHHbin poct 6u3Heca C POKyCOM Ha NpuopuTeTHbIX Bu3nec ) @nnancossie pesyni =BTB cerMeHTax U noAAep»xaHun OnTUManbHON CTPYKTYpbI OanaHca apa py6. V 4 -cHayana roga “14% 1380 4291 13645 15516 18142 20755 & 1254 % Aposme akru cpencrea ESA 8 GaHKax

  16. Slide 16: Loan portfolio and customer funds

    BTB B undpax > in daxtax > Crparerua wTpaHcpopmayna Bu3nec ) @nnancoseie pesynt: KpeguTHbin nopTdenb u cpevcTBa KNMeHTOB mapa py6. WA -cHayanaroga =BTB KpequrHpiit noptdenb "7 nom o6ecuenene) Zaenoseicwenton (LOR) Mo oTpacnam (goanera pesepeanonobecieneme] 120,5% = s—_1003% 99,5% 102,8% 98,2% 95,6%

  17. Slide 17: Corporate business of VTB Group

    y BT unbpax > Ctparera w daktax vi Tpaicopmayna =BTB = busnec ) Ounancosbie pesynb’ KopnopatuBHbii 6u3Hec rpynnb! BTB mapa py6. WA -cHayanaroga 11M'21 | Cxavanarona Besyyera FX 9973 12% 85% Kpeautol lOpuanueckue nuya pea = AT 8 6% 0502 Kpeguri =BTB Cpenctea knueHtoB ve 9 865 6% c Hayana roga 31 gex'

  18. Slide 18: Retail business of VTB Group

    Crparerna y TB» unbpax > Ww TpaHcopmauna Bu3nec w baktax Po3HMYHbIN Ou3Hec rpynnbi BTB mapa py6. WA -cHayana roa @v3nyeckne nua Kpegutt =BIB Cpenctea knueHToB Chena oxoqwocte no xpenmran ON cooninn cronmocts o6msarenscrs, on 15,5% 7 14.9% 14.7% 44,39 10,9% 10,2 n.n. 6,6% 5,7% 5,3% 4,9% 4,9% 47% 3,5%

  19. Slide 19: Digitalisation of retail business

    BTB & undpax » Angp oe Bu3nec vata Mauna Liudposu3zauna Po3Hu4Horo 6u3Heca 3anyck HoBoro BTB Ounaii — KntoueBoe cobbitue 2020 ropa ~1 1 MJIH 5, 6 MJIH KJIMCHTOB 1 0 1 TpnH py6nen Nonb3osareneit Nepesogos ocywecteneHo akTMBHbIe Nonb30BaTeNK BTB Onnaiin 8 BTB Onnaiin P2P nepesogos (Bkn. CBI) Ha 30.06.

  20. Slide 20: Digitalisation of small and medium business

    = busrec Liudposu3auua CpegHero u Manoro 6u3Heca Hospi WHTepHeT-BaHk Nporpamma nosnbHocTn Hospiit npogykt: BTB-kacca B kparyalume cpoku paspa6oraH Pony! aGconioTHo HoBblit mHTepHeT-GaHk nee eee CMB 5 npoyktos 8 1: OHMaitH-Kacca C a ecg meyent o6cnykuBaHne, a Take CKMAKM Ha buckanbHbim HakonuTenem, K

  21. Slide 21: Digitalisation of corporate and investment business

    > Ctparerna = bwsnec ) Onnancospie pesynbtate =BTB BTB eB ui > vi Tpancopmauna w dakte Lludposu3zauna KopnopatTuBHO-UHBeCcTUUMOHHOro Ou3Heca Bbicokaa YAOBNeTBOPEHHOCTS KaY¥eCTBOM o6cnykuBaHua KPYNHbIX KMIMEHTOB — 3aNOr YCUNIEHUA CUHEPrMn ANA pa3sBuTMA OusHeca C PO3HUYHbIMM, CpeQHUMY VU MasIbIMM KMEH

  22. Slide 22: Business growth by segment

    ▲ ▲ ▲ ▲ 1 704  1 593  +60% +7% ЮЛ 997  2 303 1 798 ФЛ 955 +88% +28%                

  23. Slide 23: Time to market and digital metrics

    ВЧЕРА СЕГОДНЯ ЗАВТРА +83% +50% ПОЛЬЗОВАТЕЛЕЙ ВТБ ОНЛАЙН 6 МЛН 11 МЛН 15 МЛН ОБЪЕМ X4 +50% ОБРАБАТЫВАЕМЫХ ЗАЯВОК НА КРЕДИТ 10 МЛН 40 МЛН 60 МЛН ▼X8 ▼X2 TIME TO MARKET 240 ДНЕЙ 30 ДНЕЙ 14 ДНЕЙ ЧИСЛО ▲40% ВНЕДРЕНИЙ ЗА ▲57% ГОД 21 ТЫС. 35 ТЫС. 50+ ТЫС. ФАКТИЧЕСКАЯ ДОСТУПНОСТЬ 96,74% 99,87% 99,99%

  24. Slide 24: Current profitability

    =BTB * NyOnu4Hble AZonrosble u ruOpug, ¢ DvsugeHpbl

  25. Slide 25: Net interest income and margin

    y BT unbpax > Ctparera vi aktax wtpa > Busvec ©} Ounancospie pesynvtatei =BTB Mauna UYnctple NPOLWeHTHbIe FOXOAbI U MapoKa mapa py6. WA -[kI Yuctble NpOLeHTHble OXOsbI CpefHaa AOXOAHOCTb aKTMBOB M CpeAHAA CTOMMOCTb OOA3aTeNbCTB 9m'20 921 920 921 9m'20 921 9m'20 oM'21 ucrue +23% ncran Be3 u3MeHeHnit

  26. Slide 26: Commission income

    ) a ungpax > SU emer > Busvec ©} Ounancospie pesynvtatei =BIB KOMMUCCUOHHbIe AOXODbI mapa py6. WA -[kI Yuctble KOMMCCMOHHbIe OXOpbI = Unctble KOMMCCMOHHbIe OXOpbI / ‘uuctbie cpeaHie axTuel (UKM) 1,0% 9M'20 om'21 9M'20 9M'21 0,8% 0,9% 0,9% 0,8% e— —* o— —_*—_—$~ ere 429% Yucrate “106n ‘OMMCCMOHHEIE c

  27. Slide 27: Personnel and administrative expenses

    BTB B undpax > in daxtax > op wTpaHcpopmayna > Busnec ©} ounancospie pesynvtate =BTB Pacxogpbl Ha nepcoHas U agMUHUCTpaTMBHble pacxOfbl mapa py6. WA -[kI Pacxopb! Ha Copep»kaHve nepconaia Ml aMMHMCTpaTMBHble pacxopb! Qunamuka v3zMeHeHUa cpequeii YMACNeHHOCTU NepcoHania, TIC. Yes. CIR Pacxoppi/ AYP v

  28. Slide 28: Loan portfolio quality and creation of reserves

    BTB B untppax > in daxtax Mauna > Busec ©} Ounancospie pesynvtatei KayecTBo KpeANTHoro nopTdena uu co3zgaHue pezepBoB mapa py6. Pacxogpbl Ha co3qaHne pezepBoe nog obecyeHeHMe KpequTHoro nopTdena Banancosble pezepsbi nog obecleHeHue KpegutHoro noptdena =-= Crommocte pitcxa no © Coxganue perepaoe couo

  29. Slide 29: Loan portfolio structure (IFRS 9)

    y TB» unbpax > Ctparerna Ww TpaHcopmauna wdakrax > Busxec = Ounancospie pesynstatet ~ BTB CtTpykTypa KpeautHoro noptdena (MC@O 9) mapa py6. KpegutHpii noptdenb Nepeouyennaaembie no cnpasennueoit TOMMOCTH 4epe3 npiBBiN Wn y6DITOK p [epeouenmeaensie no cnpavennnon ‘cToMMocTH Yepes NpouMii CoBoxKyNHbIA

  30. Slide 30: Assets supplementing the banking business

    BTB B untppax Crpaterua = = > ed: > a aachceneniny > Busvec =} Ounancospie pesynvtatei BTB AKTUBbI, HONONHAWWINe OAHKOBCKUN OU3HeEC mapa py6. WA -cHayanaroga TONTOCPOUHbIE VHBECTULIN AKTUBbI YPETYIMPOBAHNA LUPOBbIE AKTUBbI 3AO/DKEHHOCTV C \ KopnopatuBHo- Po3Hu4Hbii CpeaHun KopnopatusBHbin Npounit 6u

  31. Slide 31: ▼    11,8% 12,2% ▲ ▲ ▼ ▲ ▼ ▼ 11,8% 12,2%

    ▼    11,8% 12,2% ▲ ▲ ▼ ▲ ▼ ▼ 11,8% 12,2% 9,9% 10,3% 8,9% 8,6% ▲ ▲ ▲ ▲ ▲ ▲

  32. Slide 32: Key income statement and performance indicators

    > BTB B untppax w daktax OcHoBHble noKa3aTenu oTY¥eTa oO npu6pinax uv yObiTKax, MnpA Crpa Ma Tpa run Mauna > Busec ©} Ounancospie pesynvtatei OcHOoBHbIe NoKa3aTenn oTYeTAa O NpUObINAX vi yObiTKax U NOKa3aTenu spdekTuUBHOCTU py6. 11M'21 Vsmenenna kl 9M’21 V3amenenna [kl 3Ke'21 2xe'21 1«e'21 Uuctbie N

  33. Slide 33: Key balance sheet and loan portfolio quality indicators

    BTB B untppax Crpaterua = = > ed: > a aachceneniny > Busnec =} Ounancospie pesynvtatei BTB OcHoBHble NoKa3aTenn OanaHca UV NoKa3aTenu Kay4eCcTBa KpeANTHOro nopTdens OcHoBHble noka3zaTenu oT4eTa 0 @uHaHCOBOM Nono»xKeHuN, apa py6. 30Hon6'21 © Vamenennalkl 310x121 = 30Cew'21 30 Mion'21. «31 Map’21. 31

  34. Slide 34: 79,0 29,8 142,5 90,0 20,0 10,3 2,4 60,9

    79,0 29,8 142,5 90,0 20,0 10,3 2,4 60,9

  35. Slide 35: Total dividend payments and dividend yield alignment

    Общий объем дивидендных выплат Выравнивание дивидендной доходности

  36. Slide 36: Investor relations contact

    =BTB YIIPABJIERUE [lO PABOTE CUHBECTOPAMY © Ten.: +7 (495) 775-71-39 = ~E-mail: investorrelations@vtb.ru

VTB — Investor Presentation (January 2022) on 6ix