Financial Highlights

- net profit amounted to AMD 8.8 billion, up by 8% YoY

- net interest income amounted to AMD 22.9 billion, up by 18% YoY

- return on equity (ROE) and return on assets (ROA) stood at 12.5% and 1.5% respectively

- net interest margin (NIM) increased reaching 4.9%

- total assets amounted to AMD 820 billion, increasing by 5% YtD

- total loan portfolio reached AMD 558 billion, up by 2.9% YtD and 15% YoY

- Retail loan portfolio up by 32% YtD and 52% YoY, reaching AMD 158 billion

- Retail and SME portfolio share in total loans reached 42%

- Tier 1 and Total Capital Adequacy Ratios stood at 11.8% and 14.3% respectively

2019 Q3 Investor Presentation