Kuap. Ru - Financial analysis of the bank НОВОКИБ, 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
 

NOVOKIB

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Central Bank of Russia registration number: 1747  retail lending

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
RoA1,03%1,26%1,19%0,00%0,97%0,96%0,91%1,20%2,69%2,10%1,51%1,92%
RoE2,81%3,68%3,70%0,00%3,43%3,58%3,47%4,38%9,46%10,29%11,30%13,21%
Leverage
cap. adequacy
2,7 / 36,6%2,9 / 34,4%3,1 / 32,1%3,2 / 31,4%3,5 / 28,3%3,7 / 27,1%3,8 / 26,3%3,6 / 27,6%3,5 / 28,5%4,9 / 20,4%7,5 / 13,4%6,9 / 14,6%
NIM7,91%7,33%6,94%0,00%6,99%6,80%6,82%7,05%9,81%6,91%4,59%5,58%
Return on
assets
10,44%9,61%9,06%0,00%9,11%9,00%9,39%9,69%16,83%12,56%8,95%9,61%
Cost of
liabilities
3,92%3,52%2,95%0,00%3,33%3,36%3,53%3,81%9,06%7,22%5,33%5,61%
Net
spread
6,52%6,09%6,11%0,00%5,78%5,64%5,86%5,88%7,77%5,34%3,62%4,00%
Cost /
income
95,87%97,08%99,22%0,00%76,68%78,60%80,38%80,84%60,52%57,56%55,51%52,54%
Cost of
assets
7,55%6,97%6,74%0,00%5,58%5,57%5,58%5,94%6,32%4,17%2,62%2,95%
Net
assets
1 198 2511 267 6921 365 9591 404 9321 549 5341 604 8221 637 8501 556 2311 505 8352 056 5563 069 2722 732 759
Average
equity
439 056436 399439 046441 340437 986434 358430 742429 186428 719420 564410 276398 810
Average
% assets
1 027 7801 120 1971 174 4961 245 3581 441 4611 475 8331 454 3441 435 0241 253 8381 870 6252 949 8032 644 676
Average
% liabilities
738 289808 932902 367937 5711 083 2851 145 9651 182 4311 106 9951 070 2061 628 1772 651 3232 326 537
NII81 37561 58840 77521 495100 83575 37149 60325 328123 03296 96467 76036 954
NCI000628013082032515 7555 4463 5412 142
NCI / NII0,0%0,0%0,0%0,3%0,8%0,4%0,4%1,0%4,7%5,6%5,2%5,8%

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
RoA0,10%1,23%1,10%0,00%0,87%1,04%0,67%1,20%2,15%1,80%1,30%1,92%
RoE0,28%3,59%3,44%0,00%3,08%3,86%2,57%4,38%7,58%8,82%9,75%13,21%
Leverage
cap. adequacy
2,7 / 36,6%2,9 / 34,4%3,1 / 32,1%3,2 / 31,4%3,5 / 28,3%3,7 / 27,1%3,8 / 26,3%3,6 / 27,6%3,5 / 28,5%4,9 / 20,4%7,5 / 13,4%6,9 / 14,6%
NIM7,70%7,43%6,56%0,00%7,06%6,98%6,67%7,05%8,31%6,24%4,17%5,58%
Return on
assets
10,34%9,83%8,98%0,00%8,81%8,50%9,22%9,69%11,08%9,46%9,29%9,61%
Cost of
liabilities
4,09%3,98%3,23%0,00%2,65%2,78%3,50%3,81%3,27%4,32%5,73%5,61%
Net
spread
6,25%5,85%5,75%0,00%6,16%5,72%5,72%5,88%7,81%5,14%3,56%4,00%
Cost /
income
92,31%92,92%115,29%0,00%70,93%75,37%79,87%80,84%71,26%62,07%58,91%52,54%
Cost of
assets
7,36%6,79%6,90%0,00%5,14%5,71%5,30%5,94%6,43%4,22%2,59%2,95%
Net
assets
1 198 2511 267 6921 365 9591 404 9321 549 5341 604 8221 637 8501 556 2311 505 8352 056 5563 069 2722 732 759
Average
equity
439 056436 399439 046441 340437 986434 358430 742429 186428 719420 564410 276398 810
Average
% assets
1 027 7801 120 1971 174 4961 245 3581 441 4611 475 8331 454 3441 435 0241 253 8381 870 6252 949 8032 644 676
Average
% liabilities
738 289808 932902 367937 5711 083 2851 145 9651 182 4311 106 9951 070 2061 628 1772 651 3232 326 537
NII19 78720 81319 28021 49525 46425 76824 27525 32826 06829 20430 80636 954
NCI0006249310502513091 9051 3992 142
NCI / NII0,0%0,0%0,0%0,3%1,9%0,4%0,0%1,0%1,2%6,5%4,5%5,8%

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.