Information on compliance with mandatory CBR norms

Name of the normThe permissible valueThe actual value
01.04.2017 201620152014 2013
N1Capital adequacy ratioMin 10% (K > €5 mln) — — 11,60%
N1.1Common Equity Tier 1 capital adequacy ratioMin 4.5% 7,67% 7,70% 8,30% 9,50%— 
N1.2Tier 1 capital adequacy ratioMin 6% 7,67% 7,70% 8,30% 9,50%— 
N1.0Total regulatory capital adequacy ratioMin 8% 12,22% 12,18% 13,00% 12,10% — 
N2Instant liquidity ratioMin 15%319,09% 59,41% 72,70%68,10% 57,80%
N3Current liquidity ratioMin 50%315,83% 85,54% 81,10%95,30% 75,80%
N4Long-term liquidity ratioMax 120%45,65% 118,50% 95,60%65,20% 77,30%
N6Maximum Exposure to a Single borrower (a group of related borrowers)Max 25%13,25% 14,79% 18,70%20,80% 19,90%
N7Aggregate exposure to large loansMax 800%147,12% 161,66% 162,50%151,90%228,20%
N9.1Maximum amount of loans, bank guarantines and sureties provided to the shareholders (participants)Max 50%0,00% 0,00% 1,20%0,00%3,00%
N10.1Aggregate exposure to insiders as per cent of capitalMax 3%0,47% 0,49% 0,60%1,10%1,40%
N12The utilisation of equity for purchase of other entities’ sharesMax 25%3,13% 3,33% 3,40%3,60%0,00%