JSC Belagroprombank 2014 Key Performance Results We maintain our position as one of the leaders on the banking services market in the Republic of Belarus JSC Belagroprombank’s profit, BYR billion 1,168 In 2014 JSC Belagroprombank made a profit of BYR 1,2 trillion, a 12,2% increase over the previous year (the average growth of profit in other banks was 11,1%). 1,041 2013 год 2014 год Belagroprombank has over 15% market share in equity of the domestic banking system Our bank has a market share of 16,4% in the resource potential of the total banking sector in the Republic of Belarus Our share in lending to domestic business entities is over 20% We hold a stable 2nd position on the key segments in the banking business, including equity, assets, credit investments and retail customer funds Our corporate customer base has exceeded 48 000 clients Corporate time deposits in JSC Belagroprombank 7,000 6,400 6,000 5,029 5,000 Having contributed nearly ¼ to the growth of corporate time deposits in the banking system in 2014, we have increased our share in the relevant market segment from 12,3 to 13,7% 4,000 3,000 2,000 1,000 0 01/01/2014 As of 01.01.2015 Belagroprombank is the market leader by corporate time deposits in local currency 01/01/2015 Dynamics of corporate time deposits, % 30.0 27.3 25.0 The dynamics of corporate time deposits of Belagroprombank in 2014 is nearly twice that of the market 20.0 15.0 14.5 10.0 5.0 0.0 Банковская система ОАО "Белагропромбанк" Belagroprombank has 1/3 share in corporate loans in local currency Belagroprombank has a 36,2% share in local currency loans, provided by the republican banks to corporate customers and individual entrepreneurs The corporate loan portfolio of JSC Belagroprombank as of 01.01.2015 totalled about BYR 55 trillion We are committed to providing the utmost support for the effective and dynamic development of the Belarusian economy Nearly 70% of JSC Belagroprombank’s assets are invested into the real economy of the Republic of Belarus, compared to about 52% in other banks The customer loyalty towards JSC Belagroprombank is annually proved by its retail depositors Retail deposits portfolio in JSC Belagroprombank, BYR billion 25,000 22,781 20,000 The retail deposits portfolio as of 01.01.2015 amounted to BYR 22,8 15,000 trillion 10,000 The bank’s retail time deposits portfolio grew 33,1% against sector average of 31,9%. Annually, over the past few years Belagroprombank has outperformed other banks in growing its retail time deposits. Therefore, JSC Belagroprombank has increased its market share in retail time deposits to 18,4%. 17,239 11,460 6,805 5,000 2,577 0 01/01/2011 01/01/2012 01/01/2013 01/01/2014 01/01/2015 Dynamics of retail deposits, % 164.0 113.5 59.3 68.4 50.4 31.1 2011 г. 2012 г. Банковская система РБ 31.3 32.2 2013 г. ОАО "Белагропромбанк" 2014 г.