Financial Highlights

• total loan portfolio amounted to AMD 815 billion, up by 14% YtD
• retail loan portfolio stood at AMD 371 billion, with 12% growth YtD
• corporate large and SME loan portfolio reached AMD 444 billion, up by 15% YtD
• total SME portfolio reached AMD 196 billion, increasing by 16.7% YtD 
• retail and SME portfolio share in total loans stood at 61.5%
• total deposits and bonds amounted to AMD 934 billion, up by 7% YtD
• stage 3 NPL has improved and dropped to 1.9%, down by 0.5 pp YtD
• net profit reached AMD 21.7 billion, up by 13% YoY
• return on equity (ROE) and return on assets (ROA) stood at 25.3% and 3.4% respectively 
• tier 1 and total capital adequacy ratios (CAR) stood at 14.8% and 17.7% respectively

Operational Highlights

• Offloading rate* and cash offloading rate** stood at 98% and 82% respectively
• online banking penetration rate reached 73%, up by 10pp YtD
• NPS reached 77.3%, while CEI*** comprised 9.8.  
• The number of mobile and internet banking transactions increased by 87% YoY, while the number of users increased by 50% YoY
• Share of  digital sales stood at 49%

 
* 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