Robust growth of retail business with increasing share in total loan portfolio 

Financial Highlights 

• net profit amounted to AMD 5.6 billion
• net interest income amounted to AMD 14.9 billion, up by 21% YoY
• return on equity (ROE) and return on assets (ROA) stood at 12.1% and 1.4% respectively
• net interest margin (NIM) stood stable at around 4.8%
• total assets amounted to AMD 803 billion, increasing by 3% YtD
• total loan portfolio reached USD 550 billion, up by 1.4% YtD and 13% YoY
• Retail loan portfolio up by 17% YtD, reaching AMD 140 billion
• Retail and SME portfolio share in total loans reached the strategic target of 40%
• Tier 1 and Total Capital Adequacy Ratios stood at 11% and 13.5% respectively 

2019 Q2 Investor Presentation