Key Financial Indicators

Key Financial Indicators *

₽ bn 2017 2018 2019
Origination volume 127 145 136
Interest and fees 29 35 36
Net interest income 16 20 22
Net profit 5.0 5.8 3.5
Cash & equivalents 13 18 20
Trading securities - 3 -
Loans to customers, net 108 128 135
Other 9 10 10
Total assets 130 159 165
Due to customers 97 123 124
Debt securities and FIs 7 6 3
Other 3 3 8
Equity 23 27 30
NIM including fees 23% 21% 18%
Cost to Income 46% 37% 38%
ROAE 25% 24% 12%
NPL 90+ 3.5% 4.3% 6.6%
CAR (Basel) 18.7% 18.2% 20.9%
* IFRS, audited by E&Y

Highlights

Funding Diversified retail funding: retail deposits and accounts represent 92% of interest bearing liabilities with number of depositors exceeding 150 thousand
Capital Strong total capital adequacy ratio of 20.9% as at 31.12.2019
Liquidity Conservative liquidity management: cash and equivalents stand at 12% of total assets as at 31.12.2019
Performance During 2019 origination reached ₽136bn, gross loan portfolio - ₽150bn, net profit - ₽3.5bn
Effectiveness At the end of 2019 the Cost to Income ratio stayed at the historical low of 38%
ROAE Top 13 ranking among Russian banks by ROAE for 1H2019