Financial Highlights

• Total loan portfolio amounted to AMD 955 billion, up by 24.8% YoY
• Retail loan portfolio stood at AMD 435 billion, with 25.1% growth YoY
• Corporate large and SME loan portfolio stood at AMD 520 billion, up by 24.5% YoY
• Retail and SME portfolio share in total loans reached 62.6%
• Total deposits and bonds amounted to AMD 1,084 billion, up by 14.3% YoY
• Stage 3 NPL stood at 1.8%, improving by 0.7pp YoY
• Net Interest Income reached AMD 21.5 billion, up by 28.3% YoY
• Net profit reached AMD 12.7 billion, up by 12.3% YoY
• Return on equity (ROE) and return on assets (ROA) stood at 25.1% and 3.5% respectively
• Tier 1 and total capital adequacy ratios (CAR) stood at 14.9% and 17.6% respectively

Operational Highlights

• Offloading rate* and cash offloading rate** stood at 98% and 86% respectively
• Online banking penetration rate reached 74%, up by 10pp YoY
• NPS reached 78%, while CEI*** comprised 9.8.
• The number of mobile and internet banking transactions increased by 75% YoY,
• The number of monthly active users by login increased by 46% YoY
• Share of digital sales stood at 55%
  
   

* 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