BUSINESS OVERVIEW 1 SEPTEMBER 2015 FOR FINANCIAL INSTITUTIONS

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BUSINESS OVERVIEW

1 SEPTEMBER 2015

FOR FINANCIAL INSTITUTIONS

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BANK OVERVIEW,

SHAREHOLDERS AND

MANAGEMENT

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16,0 17,8 18,9

17,3 21,1

24,1

27,7 29,0

31.12.2013 31.12.2014 30.06.2015 30.08.2015 Tier 1

Tier 1+Tier 2 101,9

125,5

115,7 129,0

140,9

172,8 165,4 168,9

31.12.2013 31.12.2014 30.06.2015 30.08.2015

Total Loans Total Assets

MARKET POSITIONING

TKB IS A UNIVERSAL FEDERAL-SCALE BANK

 Corporate Lending

 Loans: 55.2 RURbn. (44%)

 SME Lending

 Loans: 38.2 RURbn. (30%)

 44 268 corporate and SME customers

 Since 2010 TKB gradually increased retail exposure

 Loans: 32.6 RURbn. (26%)

 376 162 retail customers

CORE BUSINESS FOCUS:

TOTAL ASSETS AND LOANS

(RURbn)

TOTAL EQUITY

(RURbn)

CAGR: 15%

CAGR: 16%

RELIABILITY:

 Moody’s: B1

 Expert RA: А++ «Exclusively high level of reliability»

 Profile: TOP 30 most reliable Russian banks as of 1H2015

IN THE MARKET SINCE 1992

OUR GROWTH AND SIZE IN RUSSIA

1H2015

 Assets #45⁽¹⁾

 Plastic cards #42⁽²⁾

 Consumer loans #42⁽³⁾

 Loans #39⁽⁴⁾

 Corporate Loans #36⁽⁴⁾

 Equity #33⁽¹⁾

 Factoring #12⁽⁵⁾

 Mortgage #10⁽⁴⁾

 SME Loans #8⁽⁶⁾

(1) Profile Magazine (2) Banki.ru (3) Bankir.ru (4) Expert RA (5) Asfact.ru (6) Expert Magazine

*

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OWNERSHIP STRUCTURE

OTHER

 Minority stakes of <5%

 5 top managers

 6 legal entiities and 6 individuals not involved in day-to-day management of the bank

OLGA GRYADOVAYA

 Chair of the Management Board and Member of BoD

 Day-to-day management of the bank since 2000

 Shareholder since 2000

LEONID IVANOVSKIY

 Member of BoD

 Multinational financial organization based in London, UK

 AAA rated by all rating agencies

 Member of BoD

 Multinational financial organization based in Washington D.C., USA

 AAA-rated by all rating agencies

 DEG is a wholly-owned subsidiary of KfW, which is 100% owned by German

Goverment

 AAA-rated by all rating agencies

EVGENY IVANOVSKIY

 Deputy Chair of the Management Board

 Member of the Management Board

28,6%

7,7%

9,1%

22,0%

0,2%

12,2%

20,2%

International shareholders

Russian shareholders (family)

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CLEAR AND TRANSPARENT GOVERNANCE

Sergey Shibaev Chairman of Audit & Risk Committee, former PwC Partner

Arvid Tuerkner

Director of Regional Development Russia

Alexey Vorobiev

Bank for Development & Foreign Economic Affairs, VEB

Credit Committee

Risk Management Committee Limit

Committee

BOARD OF DIRECTORS

Olga Gryadovaya, Chair of Management Board

(Professor of Economics;

70+ scientific publications)

MANAGEMENT BOARD Leonid Ivanovski

Notary public Boris Kazakov, Chairman of BoD 30+years of experience in finance, former CEO of NorNIckel

Technological Committee

Vladimir Mau

Head of the Russian Presidential Academy of National Economy and Public Administration

Igor Yurgens President of All-Russian Insurance Association, Chairman of Corporate Governance and Remuneration Committee

Internal Audit Committee

Audit & Risk Committee

Corporate Governance and Remuneration Committee

Bank Board (Vice-presidents)

GENERAL SHAREHOLDERS MEETING

Dietz Marina Vice-President, FI

- Independent members

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SUPPORT FROM INTERNATIONAL SHAREHOLDERS

 Collaboration with EBRD, DEG and IFC allows the Bank to access international funding and provide competitive products

 EBRD is an active Member of BoD and help TKB shape its business in line with best international business standards

 IFIs facilitate their international agenda through offering purpose- orientated funding facilities through TKB (such as energy efficiency, micro and SME lending, mortgage)

 The support of AAA-rated institutions helps TKB in accessing international markets and establishing business links with foreign banks & companies

EBRD, DEG & IFC (“IFIS”) BENEFITS FACILITIES FROM INTERNATIONAL SHAREHOLDERS

Trade Facilitation Program $50 M

Mortgage Finance* $5 M

Micro lending & SME* $6 M

Micro lending* $10 M

Micro lending & SME $13 M

Subordinated Loan* Rb572 M

Energy Efficiency Residential Program

Rb750 M

Energy Efficiency Industrial Program

$12.5 M

Global Trade Finance Program $90 M Energy Efficiency Program $18 M Syndicated Loan (B Tranche)* EUR116 M

Syndicated Loan A + B* $164 M

SME & Leasing* $15 M

Mortgage Finance $10 M

Energy Efficiency and Gender Finance

$ 50 M + EUR20 M

* Facility has been repaid

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MAIN BUSINESS

SEGMENTS

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DIVERSIFIED BUSINESS MODEL

Corporate MSME Retail

 Businesses with annual sales over Rb1bn and number of employees more than 250

 Businesses with sales less than Rb1bn and number of employees less than 250*

 Mass и mass affluent

 Focus on 1) secured loans 2) unsecured loans to employees of corporate customers

Added-value services and important

funding base Bank’s core focus in lending Higher margin lending and alternative funding base

 Current & term accounts

 Guarantees

 Trade finance

 Overdrafts

 Factoring & leasing

 Payments & payroll projects

 44% of total loan book

 38% of deposits

 Overdrafts

 Long- & medium-term financing

 Factoring & leasing

 Cash collection, card processing

& payment processing

 21% of deposits

 41% of deposits

 Mortgages

 Consumer & auto loans

 Internet & mobile banking

 Deposits

Business focus:

Top products:

Share:

Summary:

* Small business, incl. microlending with annual turnover less than 400RURmln.

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BANK CLIENTS

АФЖС

РОСНЕФТЕГАЗ

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CORPORATE BANKING

LOANS BY INDUSTRY

⁽¹⁾

(1) As of 30 June 2015 Corporate loans as of 30 June 2015 amounts to 93,4RURbn

14%

11% 10%

9%

7% 7% 7%

6% 6%

5%

3%

3% 3%

3%

2% 2%

1% 1%

0%

2%

4%

6%

8%

10%

12%

14%

16%

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152 _24%

27%

30%

19%

Food & agricultural products

Machinery, equipment & vehicles

Consumer non-durables (non-food)

Electronics & home appliances

CORPORATE BANKING: TRADE FINANCE 1/4

 TKB offers a wide range of comprehensive trade finance products, including:

 letters of credit (with financing / discounting options)

 guarantees / standby LCs

 bilateral trade-related loan facilities (including PXF)

 TKB has developed various financing structures aimed at arranging medium- to long-term (3 to 7 years) ECA-covered financing to support imports of capital goods into Russia

 TKB supports Russian exports to CIS and EEU under EXIAR cover

 Well-recognized international financial institutions take exposure on TKB in Trade Finance area (next slide)

TRADE FINANCE FOCUS

COOPERATION WITH ECAs

TKB established long-term relationship with major ECAs worldwide:

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(1) Excluding syndicated term loans

(2) Includes perfumery, clothing, shoes, pharmaceutical, textile, printing & household products

TRADE FINANCE BY INDUSTRY

As of 1H2015

TRADE FINANCE TURNOVER

⁽¹⁾

178 200

374

578

339

208

#158 #270 32

#369

#298

#227 #210

#47

2009 2010 2011 2012 2013 2014 1H2015

Turnover, USD M # Number of deals

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CORPORATE BANKING: TRADE FINANCE 2/4

REPUTATION OF A RELIABLE AND PROFESSIONAL PARTNER ENABLES TKB TO SUCCESSFULLY DEVELOP COOPERATION WITH BANKS ALL OVER THE WORLD

BNP-Paribas Societe Generale

DB Trust Company Americas CITI

La Caixa UOB

UBI Banca

Monte dei Paschi di Siena UniCredit

Intesa SanPaolo

Banca popolare di Vicenza

Banca popolare dell’Emilia Romagna Banco Popolare Group

RBI

UniCredit Bank Austria Raiffeisenlandesbank

UBS BCP Credit Suisse Deutsche Bank Commerzbank

AKA Export Finance Bank LBBW

Helaba

UniCredit Germany BHF Bank and others

Danske Bank Svenska Handelsbanken

KBC Bank NV ING Bank

Nordea Bank

Bank Gospodarstwa Krajowego

CSOB

ICBC

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CORPORATE BANKING: TRACK RECORDS WITH ECAs & OPIC 3/4

TKB IS RECOGNIZED BY VARIOUS ECAS WHICH ENABLES TKB TO SUPPORT MEDIUM & LONG-TERM INVESTMENT PROJECTS OF ITS CUSTOMERS

USD 885 000 5 year loan Equipment & Services

USD 885 000 5 years loan Equipment & Services

2004

USD 6 000 000 5 year loan Construction Services

2004

EUR 2 500 000 5 year loan Equipment & Services

2004

EUR 2 300 000 3.5 year loan Equipment & Services

EUR 1 200 000 5 years loan Power Equipment

USD 10 000 000 3 year facility

Agricultural Commodities EUR 1 200 000

4 year loan Equipment & Services

USD 10 000 000 1 year loan Agricultural Commodities EUR 800 000

5 year loan Equipment & Services

EUR 7 500 000 5 year loan Equipment & Services

USD 15 000 000 7 year loan SME Lending

EUR 1 300 000 5 year loan Plastic Packing

Equipment

EUR 1 800 000 5 year loan Packing Equipment

SEK 30 000 000 5 year loan Wood-working

Equipment EUR 850 000

5 year loan Plastic Packing

Equipment

EUR 6 800 000 5 year loan Oil Production

Plant

EUR 1 000 000 5 year loan Plastic Packing

Equipment

EUR 1 200 000 5 year loan Aviation Equipment

EUR 5 000 000 5 year loan Power Equipment

EUR 1 100 000 3 year loan Food Equipment

EUR 15 500 000 5 year loan Power Equipment

USD 51 000 000 7 year loan Warehouse

Complex construction EUR 1 500 000

3.5 year loan Mineral Water

Equipment

EUR 1 600 000 5 year loan Metal sawing and drilling equipment

2004 2005 2006 2007 2007 2007 2007 2007

2007 2007 2007 2008 2008 2008 2008 2008

2008 2010 2011 2012 2012 2012 2013 2013

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CORPORATE BANKING: FINANCING RUSSIAN EXPORT WITH EXIAR 4/4

2015

RUR 50 000 000

Financing of export deliveries of sulfur to Singapore and UK

2015

RUR 15 000 000 Financing of export deliveries of mining equipment to Kazakhstan

2015

RUR 10 000 000 Financing of tea export

deliveries to Belarus

2015

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MSME LENDING

DEVELOPMENT OF MICRO AND SMALL BUSINESS LENDING

 #8 by SME loans in Russia⁽¹⁾

 30% of total loan portfolio

 2x growth in 5 years to 38RURbn

 Active cooperation with development agencies:

 Participant in EBRD SME programmes in Russia

 Participant in MSP Bank’s SME & EE programme

 Participant in IFC, EBRD and IIB’s EE programme

 Participant in IFC Gender Finance programme

 Participant in EXIAR Insurance Support Program for SME Exports

KEY SEGMENTS

PARTICIPANTION IN MICRO, SME, EE AND GENDER FINANCE LENDING PROGRAMMES

(1) “Expert” magazine as of 1 January 2015

Marketing and product components:

 Changes of product parameters in order to increase loyalty of existing customer portfolio

 Development and implementation of “product bundles” for all segments (small and micro)

 Development and introduction of multichannel marketing strategy:

internet, outdoor, direct sales, partner network, etc.

Business development:

 Transition to new operational model in all regional offices

 Development of combined model (scoring + verification) for micro business

 Business process optimisation (further development of Siebel CRM for MSME sector, revision of regulations and more)

 Increasing brand recognition in MSME sector

EUR 20M

$38 M

$ 68 M

$134 M

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74%

21%

4% 1%

78%

17%

4% 1%

Mortgage Consumer loans Car loans Other

RETAIL BANKING

OVERVIEW

(RURbn.)

RETAIL PORTFOLIO BY PRODUCT

1H2015 VS 2014

RATES ON RETAIL DEPOSITS RATES ON RETAIL LOANS RETAIL BANKING DEVELOPMENTS

 Strong focus on mortgages

 #10 in Russia⁽¹⁾

 New products: revolving-line mortgage &

commercial mortgages, floating rates mortgages

 1 RMBS transaction in pipeline

 Larger consumer loans continue to be available to salary-project & corporate customers.

 Strong focus on operating efficiency and greater automation

(1) Expert RA, as of 30 July 2015

Сurrency Rates (RUR/USD): 2011 – 32.1961, 2012 – 30.3727, 2013 –32.7292, 2014 – 56.2584, 1H2015 – 55,5240 17,4

23,8

33,4 32,6

26,6

33,7

41,0 40,7

2012 2013 2014 1H2015

Retail loans Retail deposits

Outer circle = 1H2015 Inner circle = 2014

9,8% 9,9%

15,8%

14,5%

5,6% 5,5% 6,3% 5,9%

5,3% 5,3% 5,6% 5,3%

2012 2013 2014 1H2015

RUR USD EUR

13,3%14,0% 13,7%14,9% 13,9%16,7% 14,2%17,1%

13,3% 12,8%

15,9%

17,5%

2012 2013 2014 1H2015

Mortgage Car loans Consumer loans

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PLASTIC CARDS, DEPOSITS AND E-BANKING OVERVIEW

 Principal member of Visa Int. and Mastercard Int

 Member of the National System of Payment Cards

 As of 30.06.2015 - the volume of card issue made 176,9 thousand cards

 Own card and terminal processing centers

 Member of Integrated Settlement Network (ISN), uniting more than 250 credit institutions

 Own terminal network (more than 480 payment terminals). Acceptance of payments in favor of more than 1100 public institutions (hospitals, policlinics, multipurpose centers, schools, etc.) and commercial organizations (insurance companies, etc.)

 ТОP-15 by collector services

PREMIUM CLASS CARDS - VISA INFINITE CARD provides exclusive access to special conditions and discounts in the sphere of trade and service all over the world PAYROLL CARDS – Debit card for receiving a salary within the contract with employer

DEBIT CARDS – Debit card for any bank client

CORPORATE CARDS – Debit cards for corporate customers

INSTANT-ISSUE CARD – Instant-issue cards for payments to individuals within the projects with the Bank partners CREDIT CARDS – Bank card with credit limit and grace period for any bank client

OVERDRAFT CARDS- Bank card with overdraft for payroll customers with 2 month interest-free use of proceeds INTEREST INCOME CARD – Debit card with interest accrual on demand balance

GOLD MILE – Debit card with loyalty program for travelling clients

CARD PRODUCTS FOR CLIENTS

OVERVIEW:

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REGIONAL

PRESENCE

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REGIONAL PRESENCE

St.Petersburg

Moscow

Samara

Yekaterinburg Perm

Syktyvkar

Nizhny Novgorod Yaroslavl

Bryansk

Kaluga

Ryazan Voronezh Belgorod

Krasnodar

Rostov-on-Don

Novosibirsk Moscow

Kolomna Podolsk

Sergiev Pasad Korolev

Kungur Perm Solikamsk

Krasnovishersk

Dobryanka Krasnokamsk

Tyumen

High penetration, branch present in region

High penetration, covered from branch in adjacent region Average or low penetration, no branch presence

Branch

Very long-term presence branch

KEY FACTS:

1H2015

 A diverse and well established regional network outside of Moscow

 376 162 individuals and 44 268 corporate customers in more than 18 regions

 71 outlets:

 Headquarter located in Moscow

 17 branches

 35 additional offices

 17 credit-cash offices + operational offices

 1 Mortgage Center

 84 cash advance offices

 314 ATMs

 2 063 POS terminals

 432 Payment terminals

Remote office

Barnaul Kaliningrad

Shelkovo Zhukovski

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FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS

«BANK FOR BANKS»

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FULL CUSTOMER SERVICE FOR FINANCIAL INSTITUTIONS

«BANK FOR BANKS»

 Strong presence in the Russian and CIS financial markets

 Creation of uniform settlement and payment space of the CIS

 Participation in intergovernmental panels

 Creation of infrastructure for ensuring financial interests of EEU and CIS clients

TRANSKAPITALBANK – KEY PARTNER OF EEU & CIS

 Multi-currency settlement business

 Deposit and conversion operations

 Banknote operations, purchase of the Bank’s of Russia coins from contractors

 Russian export financing under EXIAR Insurance Support Program

 Financing of export-import transactions via instruments of documentary business for clients of banks-partners

 Arrangement of syndicated loans for bank of the CIS countries

 Full complex of operations in stock markets of the Russian Federation

 Capabilities of its own processing center

 Services of evaluating company «Expert Capital»

PRODUCTS FOR BANKS-PARTNERS GEOGRAPHY OF INTERESTS IN THE INTERBANK CIS, GEORGIA AND BALTIC MARKET

AZERBAIJAN

ARMENIA

BELARUS

GEORGIA

KAZAKHSTAN

KYRGYZSTAN

LATVIA

MOLDOVA

TAJIKISTAN

UZBEKISTAN TURKMENISTAN

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PROGRAM «BANK FOR BANKS»:

COOPERATION WITH EXIAR

EXIAR areas of activity:

 Insurance cover of export credits against commercial and political risks

 Insurance cover of the Russian investments outside Russia from political risks

TRANSKAPITALBANK – one of the main partners of the Russian Agency for Export Credit and Investment Insurance EXIAR

Loan to the Buyers’ Bank

TRACK RECORDS WITH EXIAR

TRANSKAPITALBAK realized the base product line of EXIAR:

 Complex export credit insurance

 Supplier credit insurance

 Buyers' bank credit insurance

 Confirmed letter of credit insurance

 Export credit insurance for working capital financing (only for SME customers)

Confirmed letter of credit Russian export finance under EXIAR Insurance - locomotive in the product line of the Bank, offered to CIS

banks.

Financing of oil products export deliveries to Tajikistan

Financing of KAMAZ vehicle chassis export deliveries to Uzbekistan Financing of wood chip

board export deliveries to Uzbekistan Financing of GAZ

vehicles export deliveries to Belorussia

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PROGRAM «BANK FOR BANKS»:

ARRANGEMENT OF SYNDICATED LOANS FOR CIS FI

What we do:

 Act as arranger of syndicated loans for CIS banks

 Have rich investor base and wealth of experience in the arrangement of loans

 Develop the secondary market of syndicated lending

 Provide full range of activities for arrangement of syndicated loans Attraction of syndicated loan enables to get financing on favourable terms

TKB acted as an Arranger of 3 syndicated loans for CIS banks for the total amount of 380mln.euro

Track records

EUR 203 000 000

6 months

Mandated lead arrangers

AlfaBank (RF) Promsvyazbank (RF)

Novikombank (RF) Lead arrangers

Globexbank (RF) Sviaz-Bank (RF) Uralsibbank (RF) Gazprombank (RF) Bank Finservice(RF)

UBRD and others July 2015

EUR 35 000 000 USD 25 000 000

6 months Primary arrangers

Promsvyazbank (RF) Novikombank (RF)

Arrangers Asia-Pacific Bank (RF)

July 2015

EUR 118 000 000

6 months Lead arrangers

AKA Bank (Germany)

Promsvyazbank (RF) Globexbank (RF) Novikombank (RF)

Sviaz-Bank (RF) Bank Zenit (RF) Bank Intesa (RF) Asian-Pacific Bank (RF)

and others

May 2015

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CAPITALISATION AND

PROFITABILITY RATIOS :

ANALYSIS OF FINANCIAL

RESULTS

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BALANCE SHEET

ASSETS & LIABILITIES STRUCTURE

As of 30 June 2015

Loans to customers Customer accounts

Financial assets

Cash

& equivalents

Other assets

Deposits from banks

Capital

Debt securities issued

70%

21%

8%

1%

59%

5%

17%

18%

Including

Subordinated debt: 34%

Including

Retail loans: 27%

Including

Retail deposits: 41%

Including

Special-purpose financing: 47%

15,86%

12,43% 11,49%

9,48%

20,88%

21,73% 23,95%

25,69%

19,96%

17,33%

15,16% 20,75%

6,46%

11,26% 5,92%

6,04%

15,51%

18,79%

21,43% 19,98%

2012 2013 2014 1H2015

International and purpose-oriented funding Retail deposits

Demand deposits Securities

Corporate deposits

FUNDING STRUCTURE,

% OF LIABILITIES

Other 1%

Liabilities

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USD 70.000.000*

Syndicated Loan

Libor + 2.95%

1+1 year 2008

INTERNATIONAL AND DOMESTIC FUNDING

USD 70,000,000*

Syndicated Loan

Libor + 2.95%

1+1 year 2008

A Loan USD 60,000,000

L+4.10%

3 years

SYNDICATED LOANS

STATE SUPPORT & DEVELOPMENT PROGRAMMES

INTERNATIONAL BONDS

DOMESTIC BONDS SECURITISATION

USD 164,000,000*

A+B Syndicated Loan

2010 A Tranche USD 60,000,000

L+4.10%

3 years

B Loan USD 104,000,000

L+3.25%

1 year

EUR 116,500,000*

Syndicated Loan

Euribor + 2.1%

1 year 2013 EUR 65,000,000*

Club Syndicated Loan

Euribor + 2.25%

1 year 2012

USD 175,000,000*

RegS Senior Issue

9.125%

3 years

2007

USD 100,000,000 LT2 Issue

10NC5 10.50%

10 years 2007

USD 28,200,000*

Repurchase of RegS Senior issue via

Tender (MDA)

2009

2 Subordinated Loans from Vnesheconombank

RUR 986,747,840

10 years 2009

Loan Facilitites form SME Bank

RUR 1,450,000,000

5-7 years 2011

Loan Facilitites from SME Bank

RUR 1,690,000,000

5-6 years 2012

Loan Facilitites form SME Bank

RUR 1,630,000,000

1 -5 years 2013

Loan Facilities from SME Bank

RUR 2,681,000,000

5 -7 years 2014, 2015

RUR 1,800,000,000 Domestic Bond Issue

8.15%

5 years 2011

RUR 1,000,000,000 Subordinated Bond

13%

6 years 2012

RUR 2,000,000,000 Domestic Bond Issue

9.7%

10 years 2013

Mortgage Securities RUR 4,117,989,000 (tranche A)

RUR 457,555,000 (tranche B) 8%

33 years 2013

29%

25% 23%

24% 23%

15%

18%

22%

30% 21%

24%

32%

14%

39%

24%

22%

15%

* Facility has been repaid

2011 2012 2013 2014

Outstanding Amount to SME Bank as of 30.06.2015 – 4,3RURbn

1H2015

USD 100,000,000 LT2 Issue Consent Solicitation

10%

5,2 years 2015

27%

26%

24%

23%

Syndicated loans International bonds State development Domestic bonds Securitisation

(27)

Основной

Arial 10pt, 11pt

Сноски

Arial 8pt

32 181 188 181

166 166 166

10 81 136 243 154 23

26 148 154

155 207 230 70 170 209 40 119 152

KEY FINANCIAL RATIOS

Audited IFRS (RURbn) 2012 2013 2014 1H2015

Total Assets 115.6 140.9 172.8 165.4

Total Loans 90.6 101.9 125.5 115.7

Total Liabilities 102.4 124.9 155.0 146.5

Total Customer Accounts 65.6 81.5 93.9 97.3

Tier 1 Equity 13.2 16.0 17.8 18.9

Total Equity (Tier 1 + Tier 2) 19.5 21.1 24.1 27.7

Net Interest Income 4.9 5.6 5.6 1.2

Net Profit 2.1 2.2 1.8 1.1

ROAE 17.1% 14.8% 10.8% 11.9%

ROAA 1.9% 1.7% 1.2% 1.3%

CTI⁽¹⁾ 51.6% 55.6% 53.4% 31.4%

CAR 14.8% 14.6% 14.5% 16.0%

СTA 3.4% 3.3% 2.8% 2.5%

NPLs/Total Loans⁽²⁾ 6.7% 4.4% 4.5% 8.6%

Currency Rates (RUR/USD): 2012 – 30.3727, 2013 –32.7292, 2014 – 39.3866, 2014 -56.2584, 30.06.2015 – 55,5240 (1) Excluding for provisions

(2) NPLs include over 90 days overdue loans