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Central Bank of Russia registration number: 1144

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. 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
RoA	0,38%	-0,07%	-0,37%	0,00%	0,92%	1,81%	2,09%	2,68%	0,77%	0,84%	0,55%	0,10%
RoE	2,94%	-0,53%	-2,74%	0,00%	6,94%	14,30%	16,93%	22,19%	6,21%	6,61%	4,22%	0,85%
Leverage cap. adequacy	7,6 / 13,2%	7,6 / 13,1%	7,3 / 13,6%	7,4 / 13,6%	7,5 / 13,3%	7,9 / 12,7%	8,1 / 12,4%	8,3 / 12,1%	8,0 / 12,5%	7,8 / 12,8%	7,6 / 13,2%	7,9 / 12,7%
NIM	4,61%	4,62%	4,59%	0,00%	3,85%	3,68%	3,78%	3,61%	4,46%	4,86%	5,11%	5,06%
Return on assets	7,62%	7,77%	7,81%	0,00%	8,44%	8,53%	8,97%	8,94%	9,13%	9,64%	9,97%	9,72%
Cost of liabilities	2,71%	2,71%	2,81%	0,00%	4,32%	4,37%	4,65%	5,01%	4,52%	4,59%	4,66%	4,54%
Net spread	4,91%	5,06%	5,00%	0,00%	4,12%	4,16%	4,32%	3,93%	4,61%	5,05%	5,31%	5,18%
Cost / income	91,24%	95,88%	90,00%	0,00%	92,76%	89,56%	97,24%	96,09%	89,48%	82,28%	80,84%	83,32%
Cost of assets	7,14%	7,45%	7,21%	0,00%	6,68%	6,35%	6,84%	6,79%	6,87%	6,96%	7,18%	7,13%
Net assets	4 323 131	4 242 626	4 088 125	4 136 932	4 277 718	4 523 278	4 487 584	4 368 295	4 105 814	3 892 035	3 749 172	3 740 390
Average equity	570 678	557 649	557 039	561 967	570 335	573 437	554 686	527 951	512 357	498 204	496 102	473 420
Average % assets	3 313 273	3 125 091	3 024 129	3 192 971	3 418 991	3 498 351	3 459 357	3 561 191	3 441 782	3 230 737	3 092 402	3 188 599
Average % liabilities	3 701 863	3 631 261	3 471 948	3 515 923	3 652 126	3 892 594	3 873 837	3 792 229	3 565 889	3 365 479	3 223 989	3 235 186
NII	152 816	108 443	69 474	35 092	131 683	96 649	65 546	32 180	153 704	117 811	79 074	40 371
NCI	87 424	64 821	41 801	20 172	87 870	64 578	40 747	20 870	101 086	75 521	49 452	23 645
NCI / NII	57,2%	59,8%	60,2%	57,5%	66,7%	66,8%	62,2%	64,9%	65,8%	64,1%	62,5%	58,6%

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
RoA	1,76%	0,50%	0,17%	0,00%	-2,04%	1,28%	1,57%	2,68%	0,69%	1,46%	1,01%	0,10%
RoE	13,34%	3,85%	1,28%	0,00%	-15,36%	10,14%	12,74%	22,19%	5,58%	11,41%	7,63%	0,85%
Leverage cap. adequacy	7,6 / 13,2%	7,6 / 13,1%	7,3 / 13,6%	7,4 / 13,6%	7,5 / 13,3%	7,9 / 12,7%	8,1 / 12,4%	8,3 / 12,1%	8,0 / 12,5%	7,8 / 12,8%	7,6 / 13,2%	7,9 / 12,7%
NIM	5,35%	4,98%	4,54%	0,00%	4,09%	3,55%	3,85%	3,61%	4,17%	4,79%	5,00%	5,06%
Return on assets	8,50%	8,19%	7,70%	0,00%	7,59%	7,83%	8,75%	8,94%	9,38%	9,84%	9,92%	9,72%
Cost of liabilities	2,83%	2,76%	2,75%	0,00%	3,31%	3,85%	4,39%	5,01%	5,08%	4,85%	4,75%	4,54%
Net spread	5,67%	5,43%	4,95%	0,00%	4,28%	3,98%	4,36%	3,93%	4,30%	4,99%	5,17%	5,18%
Cost / income	80,40%	107,57%	89,14%	0,00%	102,68%	75,22%	98,46%	96,09%	113,86%	85,19%	78,42%	83,32%
Cost of assets	7,54%	8,39%	7,25%	0,00%	7,21%	5,58%	6,73%	6,79%	7,98%	7,13%	7,04%	7,13%
Net assets	4 323 131	4 242 626	4 088 125	4 136 932	4 277 718	4 523 278	4 487 584	4 368 295	4 105 814	3 892 035	3 749 172	3 740 390
Average equity	570 678	557 649	557 039	561 967	570 335	573 437	554 686	527 951	512 357	498 204	496 102	473 420
Average % assets	3 313 273	3 125 091	3 024 129	3 192 971	3 418 991	3 498 351	3 459 357	3 561 191	3 441 782	3 230 737	3 092 402	3 188 599
Average % liabilities	3 701 863	3 631 261	3 471 948	3 515 923	3 652 126	3 892 594	3 873 837	3 792 229	3 565 889	3 365 479	3 223 989	3 235 186
NII	44 373	38 969	34 382	35 092	35 034	31 103	33 366	32 180	35 893	38 737	38 703	40 371
NCI	22 603	23 020	21 629	20 172	23 292	23 831	19 877	20 870	25 565	26 069	25 807	23 645
NCI / NII	50,9%	59,1%	62,9%	57,5%	66,5%	76,6%	59,6%	64,9%	71,2%	67,3%	66,7%	58,6%

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.