Архив рассылки

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Central Bank of Russia registration number: 2534  Retailbank, Retailbank

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	8,28%	8,43%	10,74%	0,00%	6,26%	5,65%	4,78%	7,81%	7,53%	7,80%	8,22%	8,05%
RoE	31,40%	32,99%	43,94%	0,00%	28,95%	27,85%	24,96%	43,07%	40,62%	41,92%	46,26%	45,05%
Leverage cap. adequacy	3,8 / 26,4%	3,9 / 25,6%	4,1 / 24,5%	4,4 / 22,9%	4,6 / 21,6%	4,9 / 20,3%	5,2 / 19,2%	5,5 / 18,1%	5,4 / 18,5%	5,4 / 18,6%	5,6 / 17,8%	5,6 / 17,9%
NIM	20,64%	20,69%	20,51%	0,00%	20,49%	19,97%	20,41%	20,84%	21,84%	22,34%	22,98%	22,81%
Return on assets	22,81%	23,24%	23,34%	0,00%	24,64%	24,18%	24,84%	25,43%	26,38%	26,91%	27,62%	27,38%
Cost of liabilities	5,27%	5,13%	5,15%	0,00%	6,58%	6,53%	6,62%	6,69%	6,57%	6,68%	6,71%	6,56%
Net spread	17,54%	18,11%	18,19%	0,00%	18,06%	17,65%	18,22%	18,74%	19,81%	20,23%	20,91%	20,82%
Cost / income	64,23%	57,99%	61,34%	0,00%	57,39%	49,95%	51,12%	51,30%	69,76%	70,31%	57,17%	64,10%
Cost of assets	20,29%	19,95%	19,41%	0,00%	18,39%	16,78%	16,89%	17,36%	18,69%	19,44%	20,60%	19,87%
Net assets	14 090 474	13 999 048	13 946 807	14 127 875	14 642 987	15 213 185	15 530 970	15 809 952	15 493 037	14 994 019	14 418 404	14 476 242
Average equity	3 719 910	3 579 019	3 410 107	3 231 236	3 168 088	3 087 345	2 979 302	2 868 453	2 871 901	2 793 450	2 563 931	2 588 109
Average % assets	16 374 052	16 210 782	16 063 407	16 426 496	16 975 685	17 565 070	17 527 014	17 674 923	17 459 777	17 037 429	16 371 026	16 351 784
Average % liabilities	9 630 469	9 650 144	9 722 464	10 142 212	10 769 767	11 390 346	11 773 239	12 205 670	12 156 525	11 761 738	11 439 804	11 505 752
NII	3 380 006	2 515 653	1 647 969	809 436	3 479 023	2 630 973	1 789 232	920 961	3 814 384	2 854 648	1 881 334	932 484
NCI	1 085 246	781 167	493 345	212 145	813 953	595 971	382 098	221 788	1 083 324	840 719	558 706	263 805
NCI / NII	32,1%	31,1%	29,9%	26,2%	23,4%	22,7%	21,4%	24,1%	28,4%	29,5%	29,7%	28,3%

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	8,01%	3,89%	14,38%	0,00%	7,44%	7,18%	1,62%	7,81%	7,45%	7,60%	8,36%	8,05%
RoE	30,37%	15,23%	58,85%	0,00%	34,39%	35,40%	8,45%	43,07%	40,19%	40,82%	47,05%	45,05%
Leverage cap. adequacy	3,8 / 26,4%	3,9 / 25,6%	4,1 / 24,5%	4,4 / 22,9%	4,6 / 21,6%	4,9 / 20,3%	5,2 / 19,2%	5,5 / 18,1%	5,4 / 18,5%	5,4 / 18,6%	5,6 / 17,8%	5,6 / 17,9%
NIM	21,11%	21,41%	20,88%	0,00%	19,98%	19,16%	19,81%	20,84%	21,98%	22,85%	23,18%	22,81%
Return on assets	22,24%	23,44%	23,34%	0,00%	23,49%	22,98%	24,03%	25,43%	26,75%	27,64%	27,90%	27,38%
Cost of liabilities	5,64%	5,01%	4,83%	0,00%	5,62%	5,91%	6,30%	6,69%	6,88%	7,00%	6,82%	6,56%
Net spread	16,60%	18,43%	18,51%	0,00%	17,87%	17,07%	17,73%	18,74%	19,87%	20,64%	21,08%	20,82%
Cost / income	90,26%	52,80%	61,33%	0,00%	91,76%	47,56%	50,91%	51,30%	68,20%	135,97%	51,77%	64,10%
Cost of assets	22,07%	21,41%	20,33%	0,00%	20,93%	15,70%	15,86%	17,36%	19,12%	18,79%	20,96%	19,87%
Net assets	14 090 474	13 999 048	13 946 807	14 127 875	14 642 987	15 213 185	15 530 970	15 809 952	15 493 037	14 994 019	14 418 404	14 476 242
Average equity	3 719 910	3 579 019	3 410 107	3 231 236	3 168 088	3 087 345	2 979 302	2 868 453	2 871 901	2 793 450	2 563 931	2 588 109
Average % assets	16 374 052	16 210 782	16 063 407	16 426 496	16 975 685	17 565 070	17 527 014	17 674 923	17 459 777	17 037 429	16 371 026	16 351 784
Average % liabilities	9 630 469	9 650 144	9 722 464	10 142 212	10 769 767	11 390 346	11 773 239	12 205 670	12 156 525	11 761 738	11 439 804	11 505 752
NII	864 353	867 684	838 533	809 436	848 050	841 741	868 271	920 961	959 736	973 314	948 850	932 484
NCI	304 079	287 822	281 200	212 145	217 982	213 873	160 310	221 788	242 605	282 013	294 901	263 805
NCI / NII	35,2%	33,2%	33,5%	26,2%	25,7%	25,4%	18,5%	24,1%	25,3%	29,0%	31,1%	28,3%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.