Investor Presentaiton
SBERBANK
170 YEARS. BY YOUR SIDE
totalling RUB 78.8 billion as of 31 December 2011 (RUB 91.2 billion
as of 31 December 2010) were the major item of other assets and
represented liquid risk-free assets.
The table below shows the breakdown of the Group's assets by
reportable segment.
ANNUAL REPORT
STRUCTURE OF SBERBANK
GROUP'S ASSETS UNDER IFRS
2011
THE GROUP'S LOAN PORTFOLIO STRUCTURE AT YEAR-END
%
1.9
1.3
1.0
100
9.4
9.8
9.3
10.4
10.3
11.2
37.8
60
80
RUB million
As of 31 December 2011
As of 31 December 2010
Change, %
Amount
% of amount
Amount
% of amount
Moscow
4,848,994
44.8
4,318,256
49.9
12.3
40
Central and northern regions of the
European part of Russia
1,877,776
17.4
1,445,164
16.7
29.9
20
Volga region and the south of the
European part of Russia
1,530,792
14.2
1,163,282
13.4
31.6
Urals, Siberia and the Far East
of Russia
2,110,444
19.5
1,548,746
17.9
36.3
Other countries
445,511
4.1
92
Total assets
10,813,517
185,817
100.0 8,661,265
2.1
139.8
100.0
24.8
Λ
financial results
Moscow and the European part of Russia account for 76.4% of the
Group's assets as of 31 December 2011 (80.0% in 2010).
LOANS AND ADVANCES
TO CUSTOMERS
RUB million
As of 31 December 2011
As of 31 December 2010
Change, %
Amount
% of amount
Amount
% of amount
Commercial loans to legal entities
Specialised loans to legal entities
4,012,885
2,563,695
47.9
2,708,692
43.7
48.1
30.6
2,163,486
34.9
18.5
Corporate loans
6,576,580
78.5 4,872,178
78.6
35.0
Consumer and other loans
943,964
11.2
635,689
10.3
48.5
to individuals
Mortgage loans to individuals
777,357
9.3
603,778
9.8
28.7
Car loans to individuals
84,206
1.0
80,265
1.3
4.9
Loans to individuals
1,805,527
Total
8,382,107
21.5 1,319,732
100.0 6,191,910
21.4
36.8
100.0
35.4
170 YEARS. IT'S JUST THE BEGINNING
34.9
30.6
47.9
43.7
40.5
2009
2010
Commercial loans to legal entities
2011
Specialised loans to legal entities
Consumer and other loans to individuals
Mortgage loans to individuals
Car loans to individuals
The Group's total loan portfolio increased 35.4% in 2011 to RUB 8,382.1
billion as of the end of the year.
The corporate loan portfolio grew 35.0% over this period to reach
RUB 6,576.6 billion. This growth was driven primarily by commer-
cial loans, most of which were issued to Russia's largest companies
in the machine building, power engineering, food processing and
agriculture sectors.
The retail loan book also significantly increased in 2011 (by 36.8%
to RUB 1,805.5 billion) on the back of stronger demand for consumer
and mortgage loans.
INVESTMENTS IN SECURITIES
Investment breakdown by instrument type (debt and equity)
The Group's securities portfolio totalled RUB 1,625.8 billion as
of 31 December 2011 (including securities pledged under repurchase
agreements). As follows from the table below, debt instruments make
up 89.6% of the Group's securities portfolio as of 31 December 2011.
This is slightly less than in 2010 when the Group's investments
in debt instruments amounted to 93.7% of its securities portfolio.
This decrease was the result of an increase in the volume of equity
securities coming from Troika Dialog Group Ltd's portfolio. Equity
securities comprise shares and investment fund units. The Group's
investments in equity securities are primarily represented by shares
in major Russian companies.
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