Financial Highlights 

• total assets and loans amounted to AMD 1,079 billion and AMD 677 billion respectively   
• retail and SME portfolio share in total loans reached 54%, up by 6 p.p. YtD
• stage 3 NPL stood at 3.3%, improving by 0.9 p.p. YtD
• net profit amounted to AMD 14.5 billion, up by 113% 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 38.2%  
• net interest margin (NIM) reached 5%, up by 0.3 p.p.  
• tier 1 and total capital adequacy ratios (CAR) stood at 12.4% and 15.4%, up by 0.9p.p and 1.8 p.p. respectively  

2021 Q3 IR Presentation