Financial Highlights

• total loan portfolio amounted to AMD 873 billion, up by 22% YtD
• retail loan portfolio stood at AMD 392 billion, with 19% growth YtD
• corporate large and SME loan portfolio reached AMD 480 billion, up by 25% YtD
• retail and SME portfolio share in total loans stood at 61.2%
• total deposits and bonds amounted to AMD 997 billion, up by 13.7% YtD
• stage 3 NPL has improved and dropped to 2.2%, down by 0.2 pp YtD
• net profit reached AMD 34.3 billion, up by 11% YoY
• return on equity (ROE) and return on assets (ROA) stood at 26% and 3.6% respectively
• tier 1 and total capital adequacy ratios (CAR) stood at 14.4% and 17.2% respectively

Operational Highlights

• Offloading rate* and cash offloading rate** stood at 98% and 84.1% respectively
• online banking penetration rate reached 69%, up by 6pp YtD
• NPS reached 74%, while CEI*** comprised 9.65.
• The number of mobile and internet banking transactions increased by 85% YoY, while the number of users increased by 42% YoY
• Share of digital sales stood at 50%
   

* share of transactions performed via distance and digital channels in the total number of bank's transactions.

** share of cashless transactions performed via distance and digital channels (IB, MB, POS/VPOS) in the total number of transactions

*** Client Experience Index with max possible value of 10