Key indicators

RUB 12.0 bln
Net income was RUB 12.0 bln.

7.8 %
Return on equity decreased to 7.8% compared to 19.9% one year ago. Return on assets was 0.5% compared to 1.4% as at end-2018.

RUB 147.4 bln
Interest income increased by 6.8% to RUB 147.4 bln.

1.0 %
Cost of risk (COR) remained at 1.0% as in 2018.

RUB 2.4 tln
Assets increased by 12.9% to RUB 2.4 tln.

RUB 829,2 bln
Gross loan portfolio rose by 12.0% to RUB 829.2 bln.

RUB 486,2 bln
Customer deposits increased by 5.3% y-o-y to RUB 1.3 tln. Retail customer deposits increased by 29.6% y-o-y to RUB 486.2 bln.

RUB 170.2 bln
Basel III capital grew by 1.8% y-o-y to RUB 302.9 bln. Core capital expanded by 17.0% to RUB 170.2 bln.

3.6 %
Ratio of NPLs (90+ days) to gross loan portfolio grew from 1.6% to 3.6%.

3.6 %
The ratio of NPL90+ to retail loan portfolio decreased by 0.7 pp to 3.6% as at end-2019.

4.9 %
Provisioning rate increased from 4.2% as at end-2018 to 4.9% as at end-2019.

21.2 %
Capital adequacy ratio remained high at 21.2%, and Tier 1 capital adequacy ratio rose by 1.2 pp to 11.9%.