KEY FINANCIAL HIGHLIGHTS KEY FINANCIAL HIGHLIGHTS

TOTAL ASSETS, RUB billion
CUSTOMER LOANS, RUB billion
TOTAL LIABILITIES, RUB billion
CUSTOMER FUNDING, RUB billion
NET PROFITThe indicators for 2016-2019 are presented in the amount approved at the time of publication of the IFRS financial statements, without taking into account further adjustments and reclassifications., RUB billion
COMPONENTS OF NET PROFIT FOR 2020, RUB billion
PERFORMANCE AND PROFITABILITY INDICATORS The indicators for 2016-2019 are presented in the amount approved at the time of publication of the IFRS financial statements, without taking into account further adjustments and reclassifications., %
2016 2017 2018 Соmparable perimeter The P&L components have been compared with modified financial results for 2018 for purposes of accuracy of the year-on-year analisys (not including operational results of Post Bank, Multicarta,VTB Insurance LLC, VTB Bank (Ukraine) and VTB Bank (Belgrade)).
2018 2019 2020
Net interest margin (NIM) 3.7 4.1 3.9 3.7 3.4 3.8
Net fee and commission margin (NCM)In 2019-2020 net fee and commission income is reclassified for adding non-risk income on client operations in foreign currency. 0.6 0.8 0.7 0.6 0.8 0.8
Cost of risk (CoR) 1.5 1.6 1.6 1.5 0.8 1.9
Cost to income ratio (CIR) 45.8 44.0 40.5 38.3 41.6 44.3
Return on equity (ROE) 3.6 8.3 12.3 11.9 12.8 4.4
Return on assets (ROA) 0.4 0.9 1.3 1.3 1.3 0.4
- YoY