Key Facts

  • Stable history of operations for 20 years
  • Strategic focus on major companies of oil and energy sectors
  • One of themerchant acquiring leaders in fuel segment
  • The 2017 most developing bank as per the National Banking Journal award
  • 10.4k corporate customers, 279k retail customers
  • 56 offices, more than 1000 ATMs, 5,500 POS-machines and more than  360k plastic cards

Market Positions

#11 Capital
#16 Assets
#19 Loans

                                                                                                                                                                               
                                                                                                                                                                               01.09.2018,Banki.ru

Investment Highlights

High Assets Quality

  • Focus on premium borrowers – major Russian companies
  • NPLs 90+ rate as at 0.8% for 1H2018 on the consolidated basis
  • 68% of the securities portfolio rated at sovereign level and higher (BB+); 89% - securities included into the CBR Lombard List
Strong Financial Condition
  • Decent profitability ratios:
    • 3.4% - NIM, 36.9% - CIR (1H2018)
    • 1.9% - ROA, 8.8% - ROE (1H2018)
  • Capital injection in 2015-2016 in the amount of RUB 102.5 bn
Balanced Development Strategy
  • Universal business model
  • Introduction of new products and up-to-date banking technologies
  • Development of retail programs on the back of discreet risk management policy