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Central Bank of Russia registration number: 2546  state-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 275-FZ (work with defence procurement), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions3 Discuss124

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	2,07%	2,06%	2,10%	0,00%	1,91%	2,71%	3,19%	2,80%	2,26%	2,48%	2,65%	2,36%
RoE	21,13%	21,64%	22,85%	0,00%	21,39%	28,72%	36,55%	33,23%	26,12%	29,70%	33,41%	30,13%
Leverage cap. adequacy	10,2 / 9,8%	10,5 / 9,5%	10,8 / 9,2%	11,5 / 8,7%	11,2 / 9,0%	10,6 / 9,4%	11,4 / 8,7%	11,9 / 8,4%	11,5 / 8,7%	12,0 / 8,4%	12,6 / 7,9%	12,8 / 7,8%
NIM	7,29%	7,41%	7,28%	0,00%	13,22%	15,93%	16,78%	22,64%	8,43%	9,17%	8,57%	8,13%
Return on assets	5,95%	5,86%	5,37%	0,00%	5,91%	6,28%	6,66%	6,87%	7,52%	7,97%	8,07%	7,93%
Cost of liabilities	2,69%	2,56%	2,25%	0,00%	2,67%	2,90%	3,14%	3,45%	3,79%	3,95%	3,97%	3,95%
Net spread	3,26%	3,30%	3,12%	0,00%	3,24%	3,38%	3,52%	3,42%	3,73%	4,02%	4,10%	3,98%
Cost / income	39,86%	37,25%	36,28%	0,00%	21,33%	15,59%	17,71%	10,52%	28,99%	25,81%	25,41%	31,79%
Cost of assets	1,54%	1,25%	1,11%	0,00%	1,20%	1,02%	0,99%	0,98%	1,06%	0,95%	0,91%	0,89%
Net assets	560 756 031	553 508 021	564 322 954	563 105 766	534 251 503	514 406 444	516 005 596	488 483 523	443 846 603	430 104 607	418 029 202	406 053 926
Average equity	54 920 850	52 819 948	52 050 173	48 921 311	47 905 390	48 574 971	45 130 959	41 181 990	38 493 925	35 937 009	33 202 970	31 836 993
Average % assets	513 967 873	503 638 066	517 917 300	521 266 785	493 927 418	480 039 880	470 029 617	460 912 404	411 032 258	386 371 511	374 210 375	369 554 213
Average % liabilities	499 915 896	494 656 124	506 247 073	508 208 963	481 826 649	463 047 454	464 320 066	444 311 122	403 076 620	391 928 951	382 187 365	371 487 830
NII	37 499 678	28 023 573	18 873 775	8 918 240	65 310 869	57 378 160	39 456 194	26 090 319	34 673 198	26 572 964	16 047 185	7 512 225
NCI	1 036 082	701 865	455 161	220 022	868 803	610 854	397 734	193 072	709 292	517 779	352 508	120 384
NCI / NII	2,8%	2,5%	2,4%	2,5%	1,3%	1,1%	1,0%	0,7%	2,0%	1,9%	2,2%	1,6%

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	2,16%	1,89%	2,06%	0,00%	-0,16%	1,72%	3,74%	2,80%	1,84%	2,28%	3,01%	2,36%
RoE	22,09%	19,88%	22,43%	0,00%	-1,81%	18,24%	42,79%	33,23%	21,30%	27,38%	37,92%	30,13%
Leverage cap. adequacy	10,2 / 9,8%	10,5 / 9,5%	10,8 / 9,2%	11,5 / 8,7%	11,2 / 9,0%	10,6 / 9,4%	11,4 / 8,7%	11,9 / 8,4%	11,5 / 8,7%	12,0 / 8,4%	12,6 / 7,9%	12,8 / 7,8%
NIM	7,37%	7,26%	7,68%	0,00%	6,42%	14,93%	11,37%	22,64%	7,88%	10,89%	9,12%	8,13%
Return on assets	6,59%	6,53%	5,65%	0,00%	5,32%	5,81%	6,59%	6,87%	7,63%	8,26%	8,31%	7,93%
Cost of liabilities	3,19%	3,06%	2,35%	0,00%	2,31%	2,41%	2,98%	3,45%	3,63%	4,11%	4,10%	3,95%
Net spread	3,40%	3,47%	3,30%	0,00%	3,01%	3,40%	3,61%	3,42%	4,00%	4,15%	4,21%	3,98%
Cost / income	44,39%	38,88%	39,45%	0,00%	53,25%	12,89%	50,24%	10,52%	37,20%	26,50%	21,40%	31,79%
Cost of assets	2,52%	1,45%	1,18%	0,00%	1,83%	1,11%	1,01%	0,98%	1,52%	1,08%	0,94%	0,89%
Net assets	560 756 031	553 508 021	564 322 954	563 105 766	534 251 503	514 406 444	516 005 596	488 483 523	443 846 603	430 104 607	418 029 202	406 053 926
Average equity	54 920 850	52 819 948	52 050 173	48 921 311	47 905 390	48 574 971	45 130 959	41 181 990	38 493 925	35 937 009	33 202 970	31 836 993
Average % assets	513 967 873	503 638 066	517 917 300	521 266 785	493 927 418	480 039 880	470 029 617	460 912 404	411 032 258	386 371 511	374 210 375	369 554 213
Average % liabilities	499 915 896	494 656 124	506 247 073	508 208 963	481 826 649	463 047 454	464 320 066	444 311 122	403 076 620	391 928 951	382 187 365	371 487 830
NII	9 476 105	9 149 798	9 955 535	8 918 240	7 932 709	17 921 966	13 365 875	26 090 319	8 100 234	10 525 779	8 534 960	7 512 225
NCI	334 217	246 704	235 139	220 022	257 949	213 120	204 662	193 072	191 513	165 271	232 124	120 384
NCI / NII	3,5%	2,7%	2,4%	2,5%	3,3%	1,2%	1,5%	0,7%	2,4%	1,6%	2,7%	1,6%

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.