Clients of the MTS ecosystem are less risky for MTS Bank and have a greater monetization potential, while the cost of attracting them is 79% lower than that of external clients. Cost of attracting clients through MTS communication salons is 61% lower than through external channels. In Q4 2023, the bank attracted about 200 thousand new active clients on average. Main customer flow was provided by fintech products, which accounted for 36% and POS loans with a share of.