Enhanced profitability and absolute leadership in the market

Financial Highlights 

• total assets and loans amounted to AMD 1,034 billion and AMD 681 billion respectively  
• retail and SME portfolio share in total loans reached 52%, up by 4 p.p. YtD
• Stage 3 NPL stood at 3.7%, improving by 0.5 p.p. YtD
• net profit amounted to AMD 9.5 billion, up by 107% YoY
• return on equity (ROE) and return on assets (ROA) stood at 16.6% and 1.8%, up by 8.1p.p. and 0.9 p.p. respectively
• cost to income ratio (CIR) stood at 37.3% 
• net interest margin (NIM) reached 5%, up by 0.3 p.p. 
• tier 1 and total capital adequacy ratios (CAR) stood at 12% and 14.6% respectively 

 2021 Q2 IR Presentation