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
  • Development Dynamics awardee of Russia Financial Elite 2018
  • 10.4k corporate customers, 291k retail customers
  • 57 offices, more than 1,000 ATMs, 6,000 POS-machines and more than  235k  active cards

Market Positions

#11 Capital
#17 Assets
#17 Loans

                                                                                                                                                                               
                                                                                                                                                                               01.03.2019, Banki.ru

Investment Highlights

High Assets Quality

  • Focus on premium borrowers – major Russian companies
  • NPLs 90+ rate as at 0.7% for 2018 on the consolidated basis
  • 60% of trading portfolio rated at BBB- and higher; not less than 70% - securities included into the CBR Lombard List
Strong Financial Condition
  • Decent profitability ratios:
    • 3.5% - NIM
    • 1.4% - ROA, 7.9% - ROE (2018 Consolidated)
  • 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