Financial highlights

Total assets,
RUB bn
Customer loans,
RUB bn

Balanced asset growth with focus on retail lending

Total liabilities,
RUB bn
Customer deposits,
RUB bn

Increasing share of customer funds, focus on retail segment

Operating income before provisions, RUB bn
Net profit,
RUB bn
Key metrics, %

2014

2015

2016

2017

2018

Net interest margin (NIM)

4.0

2.6

3.7

4.1

3.9

Net commission margin (NCM)

0.6

0.6

0.6

0.8

0.7

Cost / income ratio (CIR)

41.9

53.5

45.8

44.0

40.5

Cost of risk (CoR)

3.4

1.8

1.5

1.6

1.6

Return on equity (ROE)

0.1

0.4

3.6

8.3

12.3

Return on assets (ROA)

0.0

0.0

0.4

0.9

1.3