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Central Bank of Russia registration number: 1050  retail funding

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs
• Financial analysis by 69-T
• Deposit rates by 3194-U
• Financial position

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. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	2,05%	2,34%	5,02%
RoE	0,00%	9,22%	9,76%	20,85%
Leverage cap. adequacy	4,3 / 23,3%	4,5 / 22,2%	4,2 / 24,0%	4,1 / 24,1%
NIM	0,00%	4,20%	4,64%	5,00%
Return on assets	0,00%	8,52%	9,28%	9,83%
Cost of liabilities	0,00%	6,03%	6,72%	6,88%
Net spread	0,00%	2,49%	2,56%	2,95%
Cost / income	0,00%	86,83%	83,12%	75,78%
Cost of assets	0,00%	4,83%	5,13%	5,02%
Net assets	2 113 978	2 134 158	1 931 964	1 901 663
Average equity	493 432	474 843	463 387	458 560
Average % assets	2 047 870	2 083 455	1 897 975	1 862 629
Average % liabilities	1 613 617	1 652 178	1 462 885	1 439 200
NII	0	65 699	44 047	23 304
NCI	0	11 282	7 530	3 826
NCI / NII	-	17,2%	17,1%	16,4%

Key financial ratios of the bank for the quarter specified

	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	-6,21%	1,92%	-0,26%	5,02%
RoE	-26,64%	8,63%	-1,11%	20,85%
Leverage cap. adequacy	4,3 / 23,3%	4,5 / 22,2%	4,2 / 24,0%	4,1 / 24,1%
NIM	0,00%	4,15%	4,37%	5,00%
Return on assets	0,00%	8,66%	8,91%	9,83%
Cost of liabilities	0,00%	6,18%	6,68%	6,88%
Net spread	0,00%	2,48%	2,23%	2,95%
Cost / income	86,83%	94,23%	91,12%	75,78%
Cost of assets	-14,76%	5,25%	5,39%	5,02%
Net assets	2 113 978	2 134 158	1 931 964	1 901 663
Average equity	493 432	474 843	463 387	458 560
Average % assets	2 047 870	2 083 455	1 897 975	1 862 629
Average % liabilities	1 613 617	1 652 178	1 462 885	1 439 200
NII	0	21 652	20 743	23 304
NCI	0	3 752	3 704	3 826
NCI / NII	-	17,3%	17,9%	16,4%

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.