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Central Bank of Russia registration number: 1343  retail funding, CB RF representative, complies with 214-FZ (equity construction)

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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	2,74%	2,97%	3,04%	0,00%	2,57%	2,66%	2,40%	3,09%	3,37%	4,04%	4,28%	4,92%
RoE	18,91%	19,67%	20,03%	0,00%	17,90%	18,38%	16,40%	22,11%	23,53%	27,77%	29,50%	34,92%
Leverage cap. adequacy	6,9 / 14,5%	6,6 / 15,1%	6,6 / 15,2%	6,8 / 14,7%	7,0 / 14,4%	6,9 / 14,5%	6,8 / 14,7%	7,1 / 14,0%	7,0 / 14,3%	6,9 / 14,6%	6,9 / 14,5%	7,1 / 14,1%
NIM	5,54%	5,86%	6,00%	0,00%	5,71%	5,70%	6,00%	5,94%	7,90%	8,96%	10,56%	13,98%
Return on assets	8,07%	8,41%	8,51%	0,00%	8,80%	9,06%	9,79%	9,96%	11,53%	12,76%	14,18%	17,71%
Cost of liabilities	3,83%	3,87%	3,81%	0,00%	4,22%	4,46%	4,92%	5,08%	5,01%	5,27%	5,29%	5,31%
Net spread	4,24%	4,54%	4,70%	0,00%	4,58%	4,60%	4,87%	4,88%	6,52%	7,49%	8,89%	12,40%
Cost / income	40,18%	39,08%	38,49%	0,00%	39,03%	36,48%	39,37%	37,73%	38,84%	32,67%	29,92%	22,55%
Cost of assets	3,12%	3,22%	3,25%	0,00%	3,16%	2,93%	3,26%	3,11%	4,29%	4,07%	4,31%	3,95%
Net assets	82 268 230	76 082 854	74 105 558	74 283 915	73 430 686	71 732 482	67 539 169	68 231 904	65 122 130	60 865 385	59 106 093	57 290 778
Average equity	11 947 634	11 506 013	11 265 758	10 921 487	10 563 490	10 398 320	9 910 531	9 557 218	9 328 471	8 872 942	8 587 659	8 083 106
Average % assets	78 521 256	73 028 099	70 480 093	70 445 856	69 741 592	68 169 884	63 802 869	64 571 635	62 139 305	57 896 101	55 683 839	54 264 169
Average % liabilities	68 737 172	63 188 342	61 308 969	61 727 668	61 504 713	59 943 088	56 221 014	57 388 815	54 946 538	51 135 228	49 699 273	48 428 989
NII	4 357 558	3 211 627	2 116 309	1 016 093	3 985 837	2 915 935	1 914 573	960 175	4 910 623	3 892 732	2 942 780	1 896 747
NCI	1 338 981	983 788	628 808	275 503	1 174 858	850 629	530 217	273 973	1 174 531	845 522	529 390	249 045
NCI / NII	30,7%	30,6%	29,7%	27,1%	29,5%	29,2%	27,7%	28,5%	23,9%	21,7%	18,0%	13,1%

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	2,73%	2,98%	2,74%	0,00%	2,49%	3,46%	1,68%	3,09%	2,13%	3,82%	3,79%	4,92%
RoE	18,82%	19,76%	18,07%	0,00%	17,33%	23,88%	11,48%	22,11%	14,88%	26,20%	26,12%	34,92%
Leverage cap. adequacy	6,9 / 14,5%	6,6 / 15,1%	6,6 / 15,2%	6,8 / 14,7%	7,0 / 14,4%	6,9 / 14,5%	6,8 / 14,7%	7,1 / 14,0%	7,0 / 14,3%	6,9 / 14,6%	6,9 / 14,5%	7,1 / 14,1%
NIM	5,83%	5,99%	6,24%	0,00%	6,13%	5,87%	5,98%	5,94%	6,55%	6,56%	7,51%	13,98%
Return on assets	8,82%	8,81%	8,64%	0,00%	8,64%	8,84%	9,51%	9,96%	10,44%	11,00%	11,11%	17,71%
Cost of liabilities	4,64%	4,23%	3,83%	0,00%	3,84%	4,16%	4,66%	5,08%	5,33%	5,52%	5,41%	5,31%
Net spread	4,18%	4,58%	4,81%	0,00%	4,80%	4,68%	4,85%	4,88%	5,11%	5,48%	5,70%	12,40%
Cost / income	43,25%	40,23%	40,76%	0,00%	45,93%	31,29%	41,06%	37,73%	60,96%	40,38%	40,57%	22,55%
Cost of assets	3,55%	3,39%	3,63%	0,00%	4,02%	2,70%	3,36%	3,11%	5,88%	3,97%	4,78%	3,95%
Net assets	82 268 230	76 082 854	74 105 558	74 283 915	73 430 686	71 732 482	67 539 169	68 231 904	65 122 130	60 865 385	59 106 093	57 290 778
Average equity	11 947 634	11 506 013	11 265 758	10 921 487	10 563 490	10 398 320	9 910 531	9 557 218	9 328 471	8 872 942	8 587 659	8 083 106
Average % assets	78 521 256	73 028 099	70 480 093	70 445 856	69 741 592	68 169 884	63 802 869	64 571 635	62 139 305	57 896 101	55 683 839	54 264 169
Average % liabilities	68 737 172	63 188 342	61 308 969	61 727 668	61 504 713	59 943 088	56 221 014	57 388 815	54 946 538	51 135 228	49 699 273	48 428 989
NII	1 145 931	1 095 318	1 100 216	1 016 093	1 069 902	1 001 362	954 398	960 175	1 017 891	949 952	1 046 033	1 896 747
NCI	355 193	354 980	353 305	275 503	324 229	320 412	256 244	273 973	329 009	316 132	280 345	249 045
NCI / NII	31,0%	32,4%	32,1%	27,1%	30,3%	32,0%	26,8%	28,5%	32,3%	33,3%	26,8%	13,1%

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.