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Central Bank of Russia registration number: 1788  retail lending, retail funding

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	1,66%	0,07%	-1,90%	0,00%	0,31%	-0,12%	0,14%	1,17%	0,95%	1,74%	2,05%	2,54%
RoE	4,55%	0,21%	-5,42%	0,00%	0,95%	-0,41%	0,49%	4,17%	3,31%	5,72%	6,43%	8,45%
Leverage cap. adequacy	2,7 / 36,4%	2,8 / 35,3%	2,9 / 35,1%	2,8 / 35,6%	3,0 / 33,2%	3,2 / 30,9%	3,4 / 29,8%	3,6 / 28,1%	3,5 / 28,9%	3,3 / 30,4%	3,1 / 32,0%	3,3 / 30,2%
NIM	6,86%	6,04%	5,77%	0,00%	5,22%	5,26%	5,20%	4,82%	6,21%	6,80%	7,50%	7,43%
Return on assets	8,91%	8,65%	8,31%	0,00%	9,99%	9,84%	9,96%	9,65%	10,29%	11,02%	11,84%	11,48%
Cost of liabilities	3,53%	3,47%	3,51%	0,00%	5,80%	5,44%	5,62%	5,53%	4,82%	5,09%	5,32%	4,93%
Net spread	5,38%	5,18%	4,80%	0,00%	4,19%	4,40%	4,34%	4,12%	5,47%	5,93%	6,52%	6,55%
Cost / income	83,23%	93,82%	95,72%	0,00%	99,41%	98,80%	98,45%	89,13%	98,99%	95,48%	97,10%	101,81%
Cost of assets	11,53%	11,38%	11,87%	0,00%	12,68%	11,80%	11,40%	10,88%	11,25%	11,37%	12,23%	10,82%
Net assets	1 137 895	1 129 961	1 129 717	1 131 643	1 212 936	1 295 093	1 359 570	1 446 750	1 415 710	1 338 378	1 265 681	1 325 588
Average equity	414 468	398 912	396 016	402 357	403 139	400 678	405 037	405 882	408 718	406 987	404 976	399 755
Average % assets	917 729	918 177	909 920	901 390	952 027	1 018 906	1 057 573	1 154 144	1 156 594	1 085 894	1 011 347	1 081 363
Average % liabilities	676 266	680 428	682 433	679 759	744 034	825 753	881 042	975 100	979 996	907 261	837 081	902 038
NII	62 977	41 614	26 290	12 075	49 757	40 225	27 544	13 923	71 847	55 396	37 940	20 113
NCI	53 725	39 172	27 723	14 253	64 035	47 765	31 881	18 575	67 422	49 873	35 316	17 966
NCI / NII	85,3%	94,1%	105,5%	118,0%	128,7%	118,7%	115,7%	133,4%	93,8%	90,0%	93,1%	89,3%

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	6,41%	4,03%	-4,04%	0,00%	1,68%	-0,69%	-0,94%	1,17%	-1,10%	1,32%	1,44%	2,54%
RoE	17,60%	11,41%	-11,53%	0,00%	5,06%	-2,24%	-3,18%	4,17%	-3,82%	4,36%	4,52%	8,45%
Leverage cap. adequacy	2,7 / 36,4%	2,8 / 35,3%	2,9 / 35,1%	2,8 / 35,6%	3,0 / 33,2%	3,2 / 30,9%	3,4 / 29,8%	3,6 / 28,1%	3,5 / 28,9%	3,3 / 30,4%	3,1 / 32,0%	3,3 / 30,2%
NIM	9,31%	6,67%	6,24%	0,00%	4,00%	4,97%	5,15%	4,82%	5,68%	6,43%	7,05%	7,43%
Return on assets	9,69%	9,48%	8,48%	0,00%	8,36%	8,83%	9,39%	9,65%	10,13%	11,00%	11,40%	11,48%
Cost of liabilities	3,65%	3,36%	3,29%	0,00%	5,08%	4,33%	5,11%	5,53%	5,17%	5,45%	5,31%	4,93%
Net spread	6,04%	6,12%	5,19%	0,00%	3,28%	4,50%	4,28%	4,12%	4,96%	5,55%	6,09%	6,55%
Cost / income	63,31%	89,90%	88,27%	0,00%	101,25%	99,53%	111,17%	89,13%	108,85%	92,42%	93,22%	101,81%
Cost of assets	12,18%	10,64%	11,06%	0,00%	12,75%	11,65%	10,89%	10,88%	12,97%	11,37%	12,89%	10,82%
Net assets	1 137 895	1 129 961	1 129 717	1 131 643	1 212 936	1 295 093	1 359 570	1 446 750	1 415 710	1 338 378	1 265 681	1 325 588
Average equity	414 468	398 912	396 016	402 357	403 139	400 678	405 037	405 882	408 718	406 987	404 976	399 755
Average % assets	917 729	918 177	909 920	901 390	952 027	1 018 906	1 057 573	1 154 144	1 156 594	1 085 894	1 011 347	1 081 363
Average % liabilities	676 266	680 428	682 433	679 759	744 034	825 753	881 042	975 100	979 996	907 261	837 081	902 038
NII	21 363	15 324	14 215	12 075	9 532	12 681	13 621	13 923	16 451	17 456	17 827	20 113
NCI	14 553	11 449	13 470	14 253	16 270	15 884	13 306	18 575	17 549	14 557	17 350	17 966
NCI / NII	68,1%	74,7%	94,8%	118,0%	170,7%	125,3%	97,7%	133,4%	106,7%	83,4%	97,3%	89,3%

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.