Bank Yugra's FY14 RAS net profit amounted to Rub 126 mln, or 26 times less than in 2013 (Rub 3.3 bln), the lending institution's audited financial statement shows.
During the reporting period the bank's assets rose by Rub 102 bln, topping Rub 153 bln as of January 1, 2015.
The lender's equity (capital) soared 2.6x to Rub 35 bln. As of the balance sheet date the lender's core capital adequacy ratio (N1.1) equaled 8% (against the minimum threshold of 5%), and capital adequacy ratio (N1.0) was equal to 28.5% (vs. the statutory threshold of 10%).
The bank's credit portfolio expanded considerably (141% on the back of both corporate and retail loans). As for the credit portfolio breakdown, most funds were provided to the real estate sector (33%), construction (20%), mineral extraction (16%), wholesaling and retailing (7%). The portion of non-performing loans in the bank's aggregate liabilities, which are exposed to the credit risk, is modest (under 1%), the bank said in an explanatory note to its financial statement.
Funds drawn from households more than doubled to Rub 66.9 bln.
The lender's regional network more than doubled last year.
