Strong profitability and absolute leadership in the market 

Financial Highlights

• total assets and loans amounted to AMD 1,010 billion and AMD 692 billion respectively
• retail and SME portfolio share in total loans reached 50%, up by 2p.p.
• net profit amounted to AMD 4 billion, up by 33% YoY
• return on equity (ROE) and return on assets (ROA) stood at 14.2% and 1.5%, up by 5.7p.p. and 0.6p.p. respectively
• cost to income ratio (CIR) stood at 36%
• net interest margin (NIM) reached 5.3%, up by 0.4p.p.
• tier 1 and total capital adequacy ratios (CAR) stood at 12% and 14.1% respectively

 2021 Q1 IR Presentation