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Strategy
The MKB’s main strategic goal 2023 is to become
a responsible partner helping the clients to realize
their potential, focus on business expansion in key
market segments and improving operating efficiency.
Priority to a customer-centric model
Focus on customers and their needs
Tailored proposition for each customer segment
Key priorities of MKB’s strategy until 2023
Unique customer experience based on better understanding of customer needs
Combining strengths of a technological bank and fintech innovations
Team driven by entrepreneurial spirit
Social and environmental responsibility
Unique customer experience based on better understanding of customer needs
- We strive to be the best in understanding needs of our clients to offer them tailored and comprehensive solutions
- We are continuously improving our service and product offering with focus on non-interest income
- We combine the best of digital and physical interaction with our clients
Unique customer experience based on better understanding of customer needs
4.5 (out of 5)
CSI for corporate clients
Top 5
in selected IB products
10%
market share in digital banking for entrepreneurs
45%
— the share of the mortgage portfolio in the total retail loan portfolio
3 mln
active retail clients
75% of retail customers
use remote service channels
Combining strengths of a technological bank and fintech innovations
- Data analysis and flexible integration with partners for the best customer experience
- Leading in cost efficiency enabled by technology
- Effective and dynamic IT organization enabling clear focus on priorities
Combining strengths of a technological bank and fintech innovations
100%
transition from legacy to modern core banking systems
2-3 weeks
the average time of partner integration
20%
increase of IT solutions development speed
3%
— share of data analysts of total IT staff of the Bank
Team driven by entrepreneurial spirit
- Providing freedom for self-fulfillment and realization of team potential
- Team ready for challenges of the future
Команда, объединенная духом предпринимательства
85%
— level of employees’ engagement
Top 10
employer among Russian banks
15%
— share of IT specialists in total staff
70%
— share of employees ready & able to work remotely
40%
— share of cross-functional teams
Social and environmental responsibility
- We take responsibility for our impact on the environment, take care of our employees and the community we work in
- We support our partners and customers as they strive for sustainable development
Social and environmental responsibility
A-rating band (RAEX Europe)
and broader coverage by international ESG rating agencies
Introduced the concept of responsible product offering
in all business units
Regular carbon footprint
assessment, targets set to minimize the footprint
RUB 100 BN
— financing for «green», social and transition projects
Implementation of climate risks impact analysis
on the Bank’s activities
Implementation of
sustainability principles in the supply chain
Strategic and financial outlook
| 2018-2020 | 2021-2023 | ||
|---|---|---|---|
| Growth | Corporate loans (p.a.) | 8,2% | 10-12% |
| Retail loans (p.a.) | 15,0% | 20-25% | |
| Profitability | NII / RWA | 4,0% | с.4,0% |
| NIM | 2,4% | с.2,7% | |
| Share of F&C Income1 | 20,4% | 30% | |
| Cost / Income | 36,1% | 30-35% | |
| ROAE | 14,9% | > 15% | |
| Asset Quality | Cost of risk | 1,3% | c.1% |
| Capital | N1.1 ratio | 8,5% | > 9% |
(1) Net commission income / (net commission income + net interest income)
KEY ELEMENTS OF STRATEGY
Grow business
Through offering tailored and comprehensive solutions to our clients on the back of profound understanding of their needs
Increase profitability
By improving the product offering with particular focus on fee-generating business
Caring for customers
Offer the best of digital and physical interaction to the clients
Digital transformation
Put digital transformation at the core of every business line and internal banking processes
ESG
Retain leading positions in ESG practices in the Russian banking sector
Documents
MKB Strategy 2023
pdf, 3 Mb