Key Financial Indicators

Key Financial Indicators *

₽ bn 2018 2019 2020
Origination volume 145 136 83
Interest and fees 35 37 32
Net interest income 20 24 23
Net profit 5.8 3.5 2.6
Cash & equivalents 19 21 14
Trading securities 3 - 12
Loans to customers, net 128 133 104
Other 9 9 9
Total assets 159 163 139
Due to customers 123 124 98
Debt securities and FIs 6 3 5
Other 3 6 4
Equity 27 30 32
NIM including fees 22% 19% 19%
Cost to Income 37% 38% 41%
ROAE 24% 12% 9%
Cost of risk 8% 9% 9%
CAR Tier 1 (Basel) 18% 19% 25%
* IFRS, audited by E&Y

Highlights

Funding Diversified retail funding: retail deposits and accounts represent 95% of interest bearing liabilities with number of depositors around 120 thousand
Capital Strong total capital adequacy ratio of 27.9% as at 31.12.2020
Liquidity Conservative liquidity management: cash and equivalents stand at 9% of total assets as at 31.12.2020
Performance During 2020 origination reached ₽83bn, gross loan portfolio - ₽118bn, net profit - ₽2.6bn
Effectiveness At the end of 2020 the Cost to Income ratio stayed at the level of 41%
ROAE 20%+ avg. ROAE in 2017-2019