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 30.06.2019: 62 regions of Russia, 133 branches, 137 648 POS

Sound financial performance

RUB Bn 2017 2018
Total assets 130 159
Gross Loan portfolio 111 138
Origination 127 145
Net profit 5.0 5.8
ROE, % 25% 24%
* IFRS, audited by E&Y

Ranking among Russian banks

3 Top Russian banks by ROA for 2018 (Kommersant)
9 Top Russian banks by ROE for 2018 (Kommersant)
14 Top Russian banks by retail loans for 1H2019 (
25 Top Russian banks by retail deposits for 1H2019 (
42 Top Russian banks by net assets for 1H2019 (
44 Top Russian banks by equity size for 1H2019 (

Credit Ratings

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