Key Financial Indicators

Key Financial Indicators *

₽ bn 2016 2017 2018
Origination volume 89.0 127.0 145.3
Interest and fees 24.3 29.4 35.4
Net interest income 11.8 15.5 19.6
Net profit 1.5 5.0 5.8
Cash & equivalents 8.4 13.4 18.0
Trading securities 0.4 - 3.0
Loans to customers, net 79.0 107.6 128.5
Other 10.0 8.8 9.7
Total assets 97.8 129.8 159.2
Due to customers 71.0 96.6 123.0
Debt securities and FIs 7.9 7.3 5.6
Other 2.0 2.7 3.6
Equity 16.9 23.2 27.0
NIM including fees 21.8% 23.1% 21.2%
Cost to Income 61.0% 46.1% 37.1%
ROE 9.8% 25.0% 23.8%
NPL 90+ 5.2% 3.5% 4.3%
CAR (Basel) 18.1% 18.7% 18.2%
* IFRS, audited by E&Y

Highlights

Funding Diversified retail funding: retail deposits and accounts represent 93% of interest bearing liabilities with number of depositors exceeding 152 thousand
Capital Strong total capital adequacy ratio of 18.2% as at 31.12.2018
Liquidity Conservative liquidity management: cash and equivalents stand at 11% of total assets as at 31.12.2018
Performance During 2018 origination reached ₽145bn, gross loan portfolio - ₽138bn, net profit - ₽5.8bn
Quality At the end of 2018 share of NPL90+ stayed at the historical low of 4% reached in 2017
ROE Retun on Equity of 24% for 2018