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Central Bank of Russia registration number: 1781

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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	0,02%	1,65%	0,62%	0,00%	0,17%	-1,55%	-3,12%	-2,20%	1,04%	0,97%	-0,16%	14,87%
RoE	0,11%	6,70%	2,75%	0,00%	0,86%	-7,89%	-16,39%	-11,50%	5,75%	5,49%	-0,90%	88,00%
Leverage cap. adequacy	4,2 / 24,1%	4,0 / 24,7%	4,4 / 22,8%	4,5 / 22,2%	4,8 / 20,8%	5,1 / 19,6%	5,2 / 19,1%	5,2 / 19,1%	5,5 / 18,2%	5,6 / 17,7%	5,3 / 18,7%	5,9 / 16,9%
NIM	5,04%	4,96%	4,51%	0,00%	3,05%	3,10%	3,25%	3,63%	6,66%	6,83%	7,16%	8,63%
Return on assets	7,57%	7,56%	6,99%	0,00%	8,07%	8,19%	8,56%	8,69%	11,36%	12,38%	12,72%	14,11%
Cost of liabilities	2,92%	3,04%	2,79%	0,00%	4,10%	4,27%	4,39%	4,37%	4,25%	4,21%	4,03%	3,70%
Net spread	4,65%	4,52%	4,20%	0,00%	3,97%	3,92%	4,17%	4,32%	7,11%	8,17%	8,69%	10,41%
Cost / income	95,67%	104,92%	99,06%	0,00%	108,79%	102,63%	110,45%	110,11%	90,47%	90,30%	93,34%	63,16%
Cost of assets	9,51%	9,70%	9,51%	0,00%	9,18%	8,61%	8,53%	9,48%	10,36%	10,51%	9,96%	8,91%
Net assets	1 959 434	1 902 804	1 991 175	2 035 832	2 136 982	2 174 150	2 244 601	2 379 950	2 538 355	2 541 096	2 680 505	2 807 392
Average equity	471 839	470 733	454 605	452 644	444 117	427 036	427 830	455 499	461 123	450 613	501 063	474 612
Average % assets	1 340 189	1 293 583	1 346 501	1 362 158	1 473 283	1 515 128	1 545 991	1 617 988	1 790 895	1 743 925	1 857 920	2 037 467
Average % liabilities	1 443 980	1 401 999	1 506 805	1 556 788	1 668 957	1 718 567	1 779 552	1 879 633	2 050 535	2 060 651	2 145 788	2 308 768
NII	67 551	48 203	30 418	16 390	45 012	35 305	25 153	14 713	119 440	89 385	66 582	43 991
NCI	56 588	40 235	26 046	10 813	68 605	49 001	31 249	17 141	107 620	79 549	53 965	27 049
NCI / NII	83,8%	83,5%	85,6%	66,0%	152,4%	138,8%	124,2%	116,5%	90,1%	89,0%	81,1%	61,5%

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	-4,72%	3,65%	1,73%	0,00%	5,45%	1,79%	-3,91%	-2,20%	1,25%	3,27%	-15,91%	14,87%
RoE	-19,60%	14,78%	7,59%	0,00%	26,23%	9,14%	-20,52%	-11,50%	6,89%	18,49%	-85,16%	88,00%
Leverage cap. adequacy	4,2 / 24,1%	4,0 / 24,7%	4,4 / 22,8%	4,5 / 22,2%	4,8 / 20,8%	5,1 / 19,6%	5,2 / 19,1%	5,2 / 19,1%	5,5 / 18,2%	5,6 / 17,7%	5,3 / 18,7%	5,9 / 16,9%
NIM	5,77%	5,49%	4,16%	0,00%	2,63%	2,68%	2,70%	3,63%	6,71%	5,23%	4,86%	8,63%
Return on assets	8,40%	8,11%	7,09%	0,00%	7,00%	7,11%	8,02%	8,69%	9,29%	10,02%	9,96%	14,11%
Cost of liabilities	2,85%	3,10%	2,70%	0,00%	3,21%	3,71%	4,17%	4,37%	4,29%	4,24%	4,07%	3,70%
Net spread	5,55%	5,01%	4,39%	0,00%	3,79%	3,40%	3,85%	4,32%	5,00%	5,78%	5,89%	10,41%
Cost / income	76,84%	119,36%	97,64%	0,00%	129,27%	89,39%	110,95%	110,11%	90,95%	84,20%	171,71%	63,16%
Cost of assets	10,07%	9,56%	9,68%	0,00%	10,09%	8,35%	6,98%	9,48%	10,79%	9,78%	10,19%	8,91%
Net assets	1 959 434	1 902 804	1 991 175	2 035 832	2 136 982	2 174 150	2 244 601	2 379 950	2 538 355	2 541 096	2 680 505	2 807 392
Average equity	471 839	470 733	454 605	452 644	444 117	427 036	427 830	455 499	461 123	450 613	501 063	474 612
Average % assets	1 340 189	1 293 583	1 346 501	1 362 158	1 473 283	1 515 128	1 545 991	1 617 988	1 790 895	1 743 925	1 857 920	2 037 467
Average % liabilities	1 443 980	1 401 999	1 506 805	1 556 788	1 668 957	1 718 567	1 779 552	1 879 633	2 050 535	2 060 651	2 145 788	2 308 768
NII	19 348	17 785	14 028	16 390	9 707	10 152	10 440	14 713	30 055	22 803	22 591	43 991
NCI	16 353	14 189	15 233	10 813	19 604	17 752	14 108	17 141	28 071	25 584	26 916	27 049
NCI / NII	84,5%	79,8%	108,6%	66,0%	202,0%	174,9%	135,1%	116,5%	93,4%	112,2%	119,1%	61,5%

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.