Key Financial Indicators


Bn RUB

2015

2016

2017

2018

2019

2020

9M21

Assets

181.0

307.6

594.2

743.5

746.4

1087.1

1280.7

Loans to customers

51.5

78.1

254.5

402.1

456.9

523.3

659.0

Amounts due to customers

165.4

160.1

383.5

509.2

509.2

827.9

994.0

Capital

11.1

100.2

107.6

109.8

125.8

138.3

145.4

Net interest income

5.6

8.5

15.9

19.6

21.7

25.8

21.2

Net profit

1.8

4.1

5.8

8.5

15.5

12.1

11.9

NIM

7.4%

5.6%

4.5%

3.5%

3.1%

1.4%

2.8%

CIR

70.5%

56.6%

68.2%

54.2%

50.4%

45.3%

39.0%

ROA

0.9%

2.3%

1.9%

1.4%

2.1%

1.62%

1.5%

ROE

24.3%

36.6%

5.7%

7.9%

14.1%

9.6%

11.6%



Consolidated IFRS financials