Bank at a Glance

Leading Russian retail finance franchise

Founded in 2003, Renaissance Credit is a leading retail lending institution offering retail loans, credit cards and deposits to more than 12 million customers across Russia.

Shareholder Onexim Group (86.0%) - one of the largest private investment funds in Russia
Model Effective business model: Scalable retail-loan origination machine, rigorous risk management, tight OPEX control
Position Leading position on the market: among top 50 Russian banks, top 10 retail banks and top 5 specialised POS banks
Clients Large client base: more than 12 million
Partners Well-know partners: Svyaznoy | Euroset, M.Video, Eldorado, Beeline, Ascona, Hilding Anders and more than 26,000 retail companies
Distribution Diversified nationwide distribution network. Coverage at 30.09.2019: 62 regions of Russia, 133 branches, 117 368 POS

Sound financial performance

RUB Bn 2018 1H2019
Total assets 159 165
Gross Loan portfolio 138 146
Origination 145 70
Net profit 5.8 1.9
Cost to Income, % 37% 37%
* IFRS, audited by E&Y

Ranking among Russian banks

11 Top Russian banks by ROA for 1H2019 (Kommersant)
13 Top Russian banks by ROE for 1H2019 (Kommersant)
14 Top Russian banks by retail loans at 1.11.019 (
24 Top Russian banks by retail deposits at 1.11.2019 (
43 Top Russian banks by net assets at 1.11.2019 (
37 Top Russian banks by equity size at 1.11.2019 (

Credit Ratings

For further information about credit ratings of the bank please read the following section of the website: Credit Ratings