Fact sheet


FINANCIALS, BLN RUB 2014 2015 2016 CAGR '14-16 Y-o-Y
Assets 201,8 467,9 565,3 41% 21%
Loans 116,8 175,2 238,4 27% 36%
Equity 11,6 27,3 64,4 77% 136%
Deposits 117,5 145,4 276,5 33% 90%
Net income 1,0 19,3 33,7    

OPERATING METRICS 2014 2015 2016 CAGR '14-16 Y-o-Y
Retail clients ('mln) 1,4 1,5 2,5 23% 67%
Points of sale (#) 2 057 1 600 2 211 2% 38%
Headcount ('000) 7,9 6,3 8,7 3% 38%

RATIOS, % 2014 2015 2016
ROAE 9,0% 99,3% 73,5%
ROAA 0,5% 5,8% 6,5%
Cost/Income 40,7% 37,2% 32,3%
Cost of risk 13,6% 8,3% 1,8%
NPL 90+/Gross loans 11,4% 5,0% 2,9%
Provisions/NPL 90+ 110,8% 107,5% 108,2%
Retail Loans/Retail Deposits 74,4% 46,4% 35,0%
Capital adequacy (N1) 13,8% 14,49% 12,80%