Financial Sector Overview

3222222 30 27.1 28 26 24 3.8% 20 18 The Central Bank of the Russian Federation Bank of Russia FINANCIAL SECTOR OVERVIEW BANKING SECTOR: FUNDING The funding of the banking sector mostly comes from corporate and retail deposits Figure 14: In May 2019 corporate deposits grew by 6.4% YoY to RUB 27.3 tn I Corporate deposits, RUB tn, Ihs YoY (ccy adj., by credit institutions operating as of the reporting date), rhs Figure 15: In May 2019 retail deposits demonstrated growth of 7.8% YoY, reaching RUB 28.8 tn I Retail deposits, RUB tn, Ihs YoY (ccy adj., by credit institutions operating as of the reporting date), rhs 1.01.16 1.04.16 1.07.16 1.10.16 1.01.17 1.04.17 Figure 16: Operations with the Bank of Russia, tn RUB Borrowings from the Bank of Russia (with minus sign) I Claims to the Bank of Russia Net claims to the Bank of Russia, rhs 6.5 4.5 2.5 0.5 -1.5 -3.5 -2.90 -5.5 1.01.16 Source: Bank of Russia 1.04.16 1.07.16 1.10.16 1.01.17 1.04.17 1.07.17 1.10.17 1.01.18 1.04.18 1.07.17 1.10.17 1.01.18 1.04.18 1.07.18 1.10.18 1.01.19 1.04.19 1.06.19 1.07.18 1.10.18 1.01.19 1.04.19 1.06.19 3.03 20% 30 27.3 15% 28 19.2% 6.4% 10% 26 5% 24 23.2 0% 22 -5% 20 -10% 18 1.01.16 1.04.16 1.07.16 1.10.16 1.01.17 1.04.17 1.07.17 1.10.17 1.01.18 1.04.18 1.07.18 Figure 17: Sources of funding, % of total liabilities ■Retail deposits ■Central bank funding As of 1.01.2015 ■ Corporate deposits Other sources As of 1.06.2019 34.0% 23.8% 36.77% 31.01% 12.0% 30.2% 29.43% 2.79% 1.10.18 1.01.19 1.04.19 1.06.19 28.8 30% 25% 20% 15% 7.8% 10% 5% 0% 26

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