Financial highlights
RUB bn
RUB bn
Balanced asset growth with focus on retail lending
RUB bn
RUB bn
Increasing share of customer funds, focus on retail segment
RUB bn
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 |