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Central Bank of Russia registration number: 2368  foreign-controlled, foreign shareholders

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	-11,92%	-9,29%	-9,56%	0,00%	-1,96%	-1,72%	-1,60%	-2,20%	-3,16%	-4,03%	-5,63%	-7,13%
RoE	-66,96%	-45,88%	-44,78%	0,00%	-9,71%	-9,90%	-9,86%	-10,83%	-12,82%	-15,78%	-22,36%	-29,40%
Leverage cap. adequacy	5,6 / 17,8%	4,9 / 20,3%	4,7 / 21,4%	4,5 / 22,4%	4,9 / 20,3%	5,7 / 17,4%	6,1 / 16,3%	4,9 / 20,3%	4,0 / 24,7%	3,9 / 25,6%	4,0 / 25,2%	4,1 / 24,3%
NIM	8,45%	8,05%	7,73%	0,00%	7,39%	7,49%	7,10%	9,19%	8,55%	8,61%	8,20%	9,34%
Return on assets	8,80%	8,41%	8,03%	0,00%	7,68%	7,92%	7,83%	9,17%	10,01%	9,88%	9,25%	9,85%
Cost of liabilities	0,75%	0,89%	1,03%	0,00%	3,32%	3,22%	3,41%	4,06%	4,89%	5,10%	4,98%	4,98%
Net spread	8,05%	7,52%	7,00%	0,00%	4,36%	4,70%	4,42%	5,11%	5,12%	4,78%	4,27%	4,87%
Cost / income	259,54%	219,48%	189,66%	0,00%	124,77%	116,69%	128,17%	132,43%	116,88%	122,95%	137,23%	139,75%
Cost of assets	22,15%	18,05%	15,99%	0,00%	9,91%	9,30%	9,48%	12,35%	15,28%	15,21%	15,07%	16,67%
Net assets	4 409 816	4 574 873	4 863 720	5 236 830	6 043 646	5 830 118	5 801 927	4 752 908	4 067 569	3 955 795	4 042 337	3 689 445
Average equity	785 417	926 433	1 039 201	1 175 506	1 224 915	1 015 147	944 331	967 002	1 005 566	1 012 205	1 019 312	894 788
Average % assets	3 934 417	4 196 412	4 452 942	4 595 373	4 758 979	4 340 442	4 190 914	3 229 334	2 711 599	2 694 129	2 756 665	2 458 178
Average % liabilities	3 489 244	3 546 380	3 720 102	3 938 171	4 629 062	4 595 146	4 514 621	3 595 476	2 992 445	2 883 414	2 968 581	2 740 865
NII	332 663	253 491	172 112	94 223	352 106	243 919	148 801	74 271	232 077	173 974	113 080	57 454
NCI	5 930	14 882	9 324	3 957	19 200	15 285	11 706	7 207	68 235	53 257	36 615	18 386
NCI / NII	1,8%	5,9%	5,4%	4,2%	5,5%	6,3%	7,9%	9,7%	29,4%	30,6%	32,4%	32,0%

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	-18,78%	-7,52%	-61,90%	0,00%	-2,88%	-1,97%	-1,40%	-2,20%	-0,89%	-0,58%	-4,77%	-7,13%
RoE	-105,49%	-37,17%	-289,70%	0,00%	-14,25%	-11,34%	-8,63%	-10,83%	-3,62%	-2,30%	-18,92%	-29,40%
Leverage cap. adequacy	5,6 / 17,8%	4,9 / 20,3%	4,7 / 21,4%	4,5 / 22,4%	4,9 / 20,3%	5,7 / 17,4%	6,1 / 16,3%	4,9 / 20,3%	4,0 / 24,7%	3,9 / 25,6%	4,0 / 25,2%	4,1 / 24,3%
NIM	8,04%	7,75%	6,99%	0,00%	9,09%	8,76%	7,11%	9,19%	8,57%	9,04%	8,07%	9,34%
Return on assets	8,29%	8,18%	7,72%	0,00%	9,05%	8,64%	8,59%	9,17%	10,58%	10,69%	9,73%	9,85%
Cost of liabilities	0,28%	0,51%	0,87%	0,00%	3,68%	2,94%	3,59%	4,06%	4,82%	5,03%	5,37%	4,98%
Net spread	8,01%	7,67%	6,85%	0,00%	5,37%	5,70%	5,00%	5,11%	5,76%	5,66%	4,36%	4,87%
Cost / income	396,22%	298,24%	0,00%	0,00%	142,54%	99,51%	124,20%	132,43%	102,21%	100,88%	134,86%	139,75%
Cost of assets	30,66%	20,21%	17,38%	0,00%	14,16%	9,53%	9,49%	12,35%	15,64%	14,71%	15,27%	16,67%
Net assets	4 409 816	4 574 873	4 863 720	5 236 830	6 043 646	5 830 118	5 801 927	4 752 908	4 067 569	3 955 795	4 042 337	3 689 445
Average equity	785 417	926 433	1 039 201	1 175 506	1 224 915	1 015 147	944 331	967 002	1 005 566	1 012 205	1 019 312	894 788
Average % assets	3 934 417	4 196 412	4 452 942	4 595 373	4 758 979	4 340 442	4 190 914	3 229 334	2 711 599	2 694 129	2 756 665	2 458 178
Average % liabilities	3 489 244	3 546 380	3 720 102	3 938 171	4 629 062	4 595 146	4 514 621	3 595 476	2 992 445	2 883 414	2 968 581	2 740 865
NII	79 172	81 379	77 889	94 223	108 187	95 118	74 530	74 271	58 103	60 894	55 626	57 454
NCI	0	5 558	5 367	3 957	3 915	3 579	4 499	7 207	14 978	16 642	18 229	18 386
NCI / NII	0,0%	6,8%	6,9%	4,2%	3,6%	3,8%	6,0%	9,7%	25,8%	27,3%	32,8%	32,0%

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.