Kuap. Ru - Financial analysis of the bank ХАКАССКИЙ МУНИЦИПАЛЬНЫЙ БАНК, key financial ratios, bank's reports analysis

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  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • Belarussian banks - 39
  • Balances (f. 101), ratios (f. 135) and capital (f. 123 and 134) available
    at 1 February 2022
  • Income (f. 102) available
    at 1 January 2022
 

HAKASSKIY MUNICIPALNIY BANK

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Central Bank of Russia registration number: 1049  retail lendingcomplies with 214-FZ (equity construction)

Dynamics of key financial ratios of the bank is presented on this page. Data is available on YTD basis and for each quarter separately. This part of our site is currently under construction. Click column header to view ratio dynamics on flash-chart.


Key financial ratios of the bank since the beginning of each year
  12 mon.
2021
9 mon.
2021
6 mon.
2021
3 mon.
2021
12 mon.
2020
9 mon.
2020
6 mon.
2020
3 mon.
2020
12 mon.
2019
9 mon.
2019
6 mon.
2019
3 mon.
2019
RoA1,59%1,51%1,42%0,00%1,39%1,19%1,19%0,90%3,07%2,31%3,19%4,62%
RoE8,64%8,38%8,13%0,00%8,34%7,60%8,04%5,96%21,38%16,34%23,45%35,30%
Leverage
cap. adequacy
5,4 / 18,5%5,5 / 18,1%5,7 / 17,6%5,8 / 17,2%6,0 / 16,8%6,3 / 15,8%6,7 / 14,9%6,6 / 15,2%7,0 / 14,4%7,1 / 14,2%7,4 / 13,6%7,6 / 13,1%
NIM7,37%7,18%7,06%0,00%6,51%6,36%6,58%6,87%7,68%8,40%8,65%9,25%
Return on
assets
10,17%9,96%9,27%0,00%9,75%9,76%10,20%10,65%11,97%12,54%12,77%13,28%
Cost of
liabilities
3,42%3,42%3,47%0,00%4,21%4,23%4,39%4,58%4,65%4,77%4,72%4,58%
Net
spread
6,75%6,54%5,80%0,00%5,54%5,53%5,81%6,07%7,32%7,77%8,05%8,70%
Cost /
income
75,27%77,64%78,07%0,00%74,69%75,36%74,06%74,49%71,21%69,70%69,16%70,01%
Cost of
assets
6,87%6,88%6,87%0,00%6,31%6,18%6,43%6,71%7,33%7,75%7,86%8,37%
Net
assets
8 378 6508 332 5708 382 8118 531 9978 527 1848 740 5018 499 3988 300 9718 166 4787 909 8227 954 6168 149 831
Average
equity
1 545 8821 505 3921 472 5851 464 3641 429 9491 377 3261 265 7341 262 4821 174 8131 120 6191 082 0191 067 929
Average
% assets
7 779 6727 802 3227 820 9147 917 3647 948 7828 100 2587 880 3687 709 2127 542 0277 318 8207 398 5787 610 003
Average
% liabilities
6 652 6986 646 4696 727 6436 855 2046 881 6707 115 6047 001 7796 818 0546 768 9536 558 9486 641 3576 833 823
NII573 482420 277276 135134 482517 866386 765259 289132 506579 682461 401320 157176 024
NCI112 20881 90556 25128 197127 66094 34763 55935 261149 290111 74075 57138 067
NCI / NII19,6%19,5%20,4%21,0%24,7%24,4%24,5%26,6%25,8%24,2%23,6%21,6%

Key financial ratios of the bank for the quarter specified
  4 Q
2021
3 Q
2021
2 Q
2021
1 Q
2021
4 Q
2020
3 Q
2020
2 Q
2020
1 Q
2020
4 Q
2019
3 Q
2019
2 Q
2019
1 Q
2019
RoA1,85%1,66%1,54%0,00%1,90%1,26%1,50%0,90%5,57%0,53%1,64%4,62%
RoE10,08%9,24%8,76%0,00%11,38%8,03%10,13%5,96%38,75%3,74%12,07%35,30%
Leverage
cap. adequacy
5,4 / 18,5%5,5 / 18,1%5,7 / 17,6%5,8 / 17,2%6,0 / 16,8%6,3 / 15,8%6,7 / 14,9%6,6 / 15,2%7,0 / 14,4%7,1 / 14,2%7,4 / 13,6%7,6 / 13,1%
NIM7,87%7,38%7,24%0,00%6,59%6,29%6,43%6,87%6,27%7,71%7,79%9,25%
Return on
assets
10,73%11,30%9,32%0,00%9,15%9,45%9,97%10,65%11,37%11,81%11,87%13,28%
Cost of
liabilities
3,41%3,23%3,38%0,00%3,74%4,04%4,32%4,58%4,71%4,77%4,72%4,58%
Net
spread
7,32%8,07%5,94%0,00%5,41%5,41%5,65%6,07%6,66%7,04%7,15%8,70%
Cost /
income
68,86%76,81%74,53%0,00%72,75%78,19%73,61%74,49%76,70%70,90%68,16%70,01%
Cost of
assets
6,79%6,92%6,70%0,00%6,31%6,06%6,31%6,71%6,83%7,37%7,13%8,37%
Net
assets
8 378 6508 332 5708 382 8118 531 9978 527 1848 740 5018 499 3988 300 9718 166 4787 909 8227 954 6168 149 831
Average
equity
1 545 8821 505 3921 472 5851 464 3641 429 9491 377 3261 265 7341 262 4821 174 8131 120 6191 082 0191 067 929
Average
% assets
7 779 6727 802 3227 820 9147 917 3647 948 7828 100 2587 880 3687 709 2127 542 0277 318 8207 398 5787 610 003
Average
% liabilities
6 652 6986 646 4696 727 6436 855 2046 881 6707 115 6047 001 7796 818 0546 768 9536 558 9486 641 3576 833 823
NII153 205144 142141 653134 482131 101127 476126 783132 506118 281141 244144 133176 024
NCI30 30325 65428 05428 19733 31330 78828 29835 26137 55036 16937 50438 067
NCI / NII19,8%17,8%19,8%21,0%25,4%24,2%22,3%26,6%31,7%25,6%26,0%21,6%

Ratios calculation methodics:
Average amounts for quarter are computed as arithmetic average of amounts on each report date. Average amount since the beginning of the year - arithmetic average for all quarters since the beginning of the year.

RoA - Return on average Assets - retained earnings for the period divided by average net assets.
RoE - Return on average Equity - retained earnings for the period divided by average equity (without subordinated debt).
Leverage - averate net assets divided by average equity (without subordinated debt).
Capital adequacy = 1 / Leverage.
NIM - net profit margin, net interest income divided by average interest-earning assets.
Return on earning assets - interest income divided by average earning assets.
Cost of liabilities - interest expenses divided by average interest-bearing liabilities.
Net spread = Return on earning assets - Cost of libilities.
Cost / income - operatioal effectiveness ratio, operatioal expenses divided by operatioal income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operatioal expenses divided by average net interest assets (Net assets less High-liquid and Other assets).
NII - net interest income, interest income less interest expenses.
NCI - net fee and commission income, commission income less commission expenses.