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Central Bank of Russia registration number: 1614

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	0,00%	0,00%	0,00%	0,00%	1,31%	0,99%	1,48%	2,68%	0,39%	-0,38%	-1,95%	-3,21%
RoE	0,00%	0,00%	0,00%	0,00%	6,14%	4,44%	6,37%	12,22%	1,84%	-1,68%	-7,91%	-12,09%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,7 / 21,3%	4,5 / 22,0%	4,7 / 21,4%	4,5 / 22,4%	4,3 / 23,3%	4,6 / 21,9%	4,7 / 21,5%	4,3 / 23,0%	4,0 / 24,7%	3,8 / 26,6%
NIM	0,00%	0,00%	0,00%	0,00%	12,45%	15,80%	14,98%	10,11%	12,56%	14,35%	13,12%	9,74%
Return on assets	0,00%	0,00%	0,00%	0,00%	27,10%	28,30%	23,77%	16,45%	15,90%	17,79%	18,01%	16,62%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	5,57%	6,01%	6,32%	6,23%	5,10%	5,36%	5,32%	5,63%
Net spread	0,00%	0,00%	0,00%	0,00%	21,53%	22,29%	17,45%	10,22%	10,80%	12,43%	12,69%	10,99%
Cost / income	0,00%	0,00%	0,00%	0,00%	76,14%	72,87%	67,23%	62,58%	76,10%	80,50%	88,81%	90,42%
Cost of assets	0,00%	0,00%	0,00%	0,00%	125,94%	110,80%	72,37%	39,38%	29,53%	32,22%	33,68%	29,83%
Net assets	0	0	4 839 968	4 786 896	4 935 073	4 637 391	4 411 549	4 637 469	4 691 229	4 257 195	3 971 692	3 824 083
Average equity	0	0	1 032 001	1 054 928	1 058 285	1 040 632	1 026 942	1 017 001	1 007 630	979 035	980 903	1 017 460
Average % assets	0	0	693 359	849 870	918 129	979 362	1 307 609	2 124 363	2 445 061	2 177 852	2 071 613	2 134 872
Average % liabilities	0	0	3 637 505	3 575 139	3 713 963	3 424 891	3 245 534	3 528 110	3 611 534	3 204 707	2 922 566	2 744 452
NII	0	0	0	0	114 380	116 070	97 944	53 713	307 271	234 466	135 946	52 007
NCI	0	0	0	3 599	0	0	0	17 285	35 318	26 730	15 420	10 566
NCI / NII	-	-	-	-	0,0%	0,0%	0,0%	32,2%	11,5%	11,4%	11,3%	20,3%

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	0,00%	0,00%	4,49%	0,00%	2,46%	0,16%	0,15%	2,68%	2,63%	2,48%	-0,81%	-3,21%
RoE	0,00%	0,00%	21,08%	0,00%	11,48%	0,74%	0,64%	12,22%	12,28%	10,80%	-3,28%	-12,09%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,7 / 21,3%	4,5 / 22,0%	4,7 / 21,4%	4,5 / 22,4%	4,3 / 23,3%	4,6 / 21,9%	4,7 / 21,5%	4,3 / 23,0%	4,0 / 24,7%	3,8 / 26,6%
NIM	0,00%	0,00%	1,51%	0,00%	0,00%	7,40%	13,53%	10,11%	11,91%	18,09%	16,20%	9,74%
Return on assets	0,00%	0,00%	0,00%	0,00%	17,83%	21,42%	20,81%	16,45%	16,05%	19,10%	18,90%	16,62%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	5,66%	6,06%	5,87%	6,23%	6,12%	6,37%	5,35%	5,63%
Net spread	0,00%	0,00%	0,00%	0,00%	12,17%	15,36%	14,94%	10,22%	9,93%	12,73%	13,55%	10,99%
Cost / income	0,00%	0,00%	110,77%	0,00%	85,11%	85,92%	72,56%	62,58%	66,30%	68,09%	87,56%	90,42%
Cost of assets	0,00%	0,00%	-215,58%	0,00%	150,27%	118,24%	72,85%	39,38%	31,93%	32,78%	37,38%	29,83%
Net assets	0	0	4 839 968	4 786 896	4 935 073	4 637 391	4 411 549	4 637 469	4 691 229	4 257 195	3 971 692	3 824 083
Average equity	0	0	1 032 001	1 054 928	1 058 285	1 040 632	1 026 942	1 017 001	1 007 630	979 035	980 903	1 017 460
Average % assets	0	0	693 359	849 870	918 129	979 362	1 307 609	2 124 363	2 445 061	2 177 852	2 071 613	2 134 872
Average % liabilities	0	0	3 637 505	3 575 139	3 713 963	3 424 891	3 245 534	3 528 110	3 611 534	3 204 707	2 922 566	2 744 452
NII	0	0	2 620	0	0	18 126	44 231	53 713	72 805	98 520	83 939	52 007
NCI	0	0	0	3 599	0	0	0	17 285	8 588	11 310	4 854	10 566
NCI / NII	-	-	0,0%	-	-	0,0%	0,0%	32,2%	11,8%	11,5%	5,8%	20,3%

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.