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 around 14 million customers across Russia.

Shareholder Onexim Group (100%) - 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: over 14 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: 53 regions of Russia, 93 branches, 127 992 POS

Sound financial performance

RUB Bn 2019 2020
Total assets 163 139
Gross Loan portfolio 147 118
Origination 136 83
Net profit 3.5 2.6
Cost to Income, % 38% 41%
* IFRS, audited by E&Y

Ranking among Russian banks

10 Among top 10 retail Russian banks
5 Among top 5 specialised POS banks
23 Top Russian banks by retail loans at 01.11.2021 (
28 Top Russian banks by retail deposits at 01.11.2021 (
43 Top Russian banks by net assets at 01.11.2021 (
39 Top Russian banks by equity size at 01.11.2021 (

Credit Ratings

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