As of 31 May 2019. Significant opportunities to grow (1% - market share).
The largest retail network among privately-owned banks. The Bank operates an efficient nationwide retail network, through which it offers a full spectrum of products and services to mass population in 75 regions of Russia.
Mini-offices are the core of retail network. Cost-effective format allows to remain profitable and to compete with traditional offices of state-owned banks in regions.
The Bank offers its most popular financial products and services mainly to low and moderate income (LMI) clients in towns with a population of less than 100 thousand people.
The Bank's IFRS equity grew x28 since 2010. Expansion via organic growth and highly selected mergers and acquisitions.
Average IFRS ROE
For the period 2010 - 1Q19. High and sustainable profitability through the entire economic cycle.
For the period 31.12.14 – 31.03.19. The Bank operates at significant buffers of capital at all time in excess of regulatory requirements.
Retail loan portfolio
Growth in secured lending (mortgages and car loans). The quality, scale and diversification of the retail portfolio was significantly enhased in last 5 years due to highly selected acquisitions of assets and businesses.
Corporate loans and securities
High quality portfolio with low ratio of non-performing loans 90+. Portfolio includes loans to corporate customers and the corporate customers’ securities measured at amortized cost (345BN RUB) less allowance for loan impairment (6BN RUB), bonds portfolio (209BN RUB), investment securities (1BN RUB), shares and derivatives (7BN RUB). The main borrowers are Top-400 largest corporations, public sector, small & medium enterprises.
Due to customers
High and continuously growing number of depositors. Low concentration of deposits. 60% of total deposits originates from granular sticky retail accounts.
Share of public procurement market
RTS-Tender is a digital platform that provides access for 0.5 million SMEs to public procurement auctions.
Halva cards issued
Since the launch of the project by 31 March 2019. There is a steady increase in issuance and a constantly growing number of shops-partners of the project (155 thousand as of 31 March 2019).