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Presentation for Financial Institutions December 2020 Honestly. Properly. Carefully.
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Presentation for Financial InstitutionsDecember 2020
Honestly. Properly. Carefully.
Financial Institutions 2
Key facts
99.75%
0.25%
National Bank of theRepublic of Belarus
Paritetbank
Ownership structure
Ratings of the Republic of Belarus*
• Founded in 2000, in 2007 reorganized in Joint Stock
Company, from 28.01.2019 Bank Mosсow-Minsk was
renamed to Bank Dabrabyt
• In 2014 purchased by National Bank of the Republic
of Belarus
• > 10 000 corporate clients
• > 200 000 retail clients
Local presence
Country risk classification by OECD
26.01.2018 – upgraded from 7th to 6th
16.10.2020 – confirmed
6th
group
Long-term
Short-term
Forecast Valid as of
B B Negative 02.10.2020
B B Negative 13.11.2020
BANK AT A GLANCE
*Source: Ministry of Finance of the Republic of Belarus
Head office 1
Branches 19
ATMs 26
Staff 655,5
Financial Institutions 3
BANK DABRABYT JSC MILESTONES
- Establishing Moscow-Minsk Foreign Bank on the basis of the Mosbusinessbank branch
- Member of MasterCard payment system
- Transformation into “Bank Moscow-Minsk” JSC
- Member of Visa payment system
- National Bank of the Republic of Belarus and “Paritetbank” OJSC became shareholders
- Member of the financial support programs for SMEs of the Development Bank of the Republic of Belarus
- First syndicated loan in theamount of EUR 6 mln and USD 4 mln
- Member of the International Factoring Association Factors Chain International (FCI)
- Member of the EBRD Trade Facilitation Programme (TFP)
- Co-founder of Minsk Half Marathon
- Award “Brand of the Year 2019” for rebranding
- Forex market leader in 2019
- Installation of the sculpture “Coin” at the Bank’s HQ
- Participant of the Forex market of Moscow Exchange PJSC
- Basic loan agreement with AKA Ausfuhrkredit-Gesellschaft
- Second syndicated loan in the amount of EUR 20 mln and USD 1 mln
- Renaming to “Bank Dabrabyt” JSC
- Basic agreement with Commerzbank AG
- Framework Agreement with Eximbank of Russia
2000
2003
2007
2014
2018
20202016
2017
2019
Financial Institutions 4
LOCAL MARKET POSITIONS, under NAS
Ranking by assets, USD mln eq, as of 01.12.2020 Ranking by equity, USD mln eq, as of 01.12.2020
14 311
4 885
2 024 1 941 1 929 1 848 1 5821 221
783 596 536
11th position1.6% market share
12th position1.3% market share1 837
692
314 291 284 236 226 186114 110 71 63
Financial Institutions 5
mln USD in equivalent 2016 2017 2018 2019 3Q 2020
Assets 439 454 525 594 518.6
Loans to customers 267 265 266 270 264.4
Amounts due to customers 296 381 410 445 350.0
Equity 46 54 54 67 57.3
Net profit 1.6 9.5 9.6 14.4 6.3
CAR 11.7% 12.9% 11.5% 13.4% 11.9%
USD / BYN 1.9585 1.9727 2.1598 2.1036 2.6403
439 454525
594518.6
2016 2017 2018 2019 1Q 2020
Assets dynamics, mln USD in eq. Equity dynamics, mln USD in eq.
4654 54
6757.3
2016 2017 2018 2019 3Q 2020
Net profit, mln USD in eq.
1.6
9.5 9.6
14.4
6.3
2016 2017 2018 2019 3Q 2020
FINANCIAL RESULTS under IFRS
Financial Institutions 6
FINANCIAL RESULTS under IFRS
Assets structure Liabilities structure
58.3%50.7%
45.5%
17.4%
16.5% 28.1%
15.6%26.4%
20.2%
4.2%3.6% 3.1%
4.5% 2.8% 3.1%
2017 2018 2019
Other
Property &equipment
Securities availablefor sale
Cash & cashequivalent
Loans to customers
48.9%45.1%
38.2%
24.2%
20.4%
20.4%
22.1%
21.6%
25.8%
3.8%
8.4%7.0%
0.4%3.7%
7.8%0.6% 0.8% 0.8%
2017 2018 2019
Other
Debt securitiesissued
Amounts due tocredit institutions
Amounts due toprivate companies
Amounts due tostate organizations
Amounts due toindividuals
Financial Institutions 7
LOAN PORTFOLIO under IFRS
NPL 90+ dynamics (corporate & retail portfolio)
2%
0.4%
1.1%
0.7%0.8%
2015 2016 2017 2018 2019
Breakdown by sectors of economy
31.5%35.6% 34.7%
24.5% 17.7% 17.2%
21.7%31.8% 34.0%
14.8% 0.5%3.2%
4.5%7.4% 3.1%
1.9%1.6% 3.5%
0.3%0.4% 0.6%
1%5.0% 3.7%
2017 2018 2019
Other
Agriculture & foodprocessing
Construction
Mechanicalengineering
Services
Individuals
Manufacturing
Trading enterprises
Financial Institutions 8
INTERNATIONAL BUSINESS
Syndications
syndicated loan
EUR 20 mln & USD 1 mln
March 2018
Lead arrangerFacility agent
Lead arrangerParticipant
syndicated loan
EUR 6 mln & USD 4 mln
November 2016
ArrangerFacility agent
Documentary Business (including trade finance)
Correspondent banking main partners
(Europe) SE
volume of deals
as of 01.12.2020
USD 22 mlnin equivalent
Financial Institutions 9
COOPERATION with EBRD
June 2017Issuing Bank Agreement
with guarantees up to EUR 10 mln
(Trade Facilitation Program)
September 2016Memorandum of Understanding between EBRD and the National Bank of the Republic of Belarus
December 2018Technical
assistants in developing MSME line finished their
mission
August 2019Trade Facilitation Program
limit increase from EUR 10 mln to EUR 20 mln
November 2017
First deal under Trade Facilitation Program
December 2019
BYN 11 mln
Support of MSMEs
Loan Agreement
Financial Institutions 10
SOME ACHIEVEMENTS
Most Innovative Bank in Belarus
2017
STP Excellence Award
2006, 2007, 2008, 2009,
2010, 2011, 2012, 2013, 2014
STP Award
2010, 2015, 2016, 2017, 2018
Quick Start
2018
Market Maker
Certificate
2017
First place
in the FX market
2018, 2019Most Innovative Bank
2019
STP Award
2010, 2011, 2013
USD Operational
Excellence Award
2017, 2018
Financial Institutions 11
CONTACTS
Financial Institutions
Yanina BurayaHead of Financial Institutions
+ 375 17 [email protected]
Documentary Operations
Alexandra VoronkovaHead of Documentary Business
+ 375 17 [email protected]
Head Office
Kommunisticheskaya, 49 premises 1220002, Minsk, Belarus
A three-meter bronze sculpture “Coin” at the entrance of the Bank’s HQ
