Архив рассылки

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Central Bank of Russia registration number: 2602  ZB-Vertreter, complies with 214-FZ (equity construction)

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	0,89%	1,65%	1,35%	0,00%	0,65%	0,72%	0,33%	1,32%	1,38%	-1,11%	-2,44%	-4,89%
RoE	6,75%	12,44%	10,34%	0,00%	4,96%	5,73%	2,71%	10,24%	11,92%	-10,43%	-22,66%	-44,28%
Leverage cap. adequacy	7,5 / 13,3%	7,5 / 13,3%	7,6 / 13,1%	7,4 / 13,5%	7,6 / 13,2%	7,9 / 12,7%	8,1 / 12,4%	7,7 / 13,0%	8,6 / 11,6%	9,4 / 10,7%	9,3 / 10,8%	9,0 / 11,1%
NIM	6,87%	6,79%	6,78%	0,00%	6,74%	6,33%	6,14%	5,45%	7,67%	6,24%	6,48%	6,30%
Return on assets	9,83%	9,64%	9,67%	0,00%	10,51%	10,35%	10,46%	10,43%	11,11%	11,17%	11,54%	11,40%
Cost of liabilities	3,31%	3,18%	3,16%	0,00%	4,26%	4,35%	4,47%	5,01%	5,12%	5,03%	5,07%	5,21%
Net spread	6,52%	6,46%	6,51%	0,00%	6,25%	6,00%	5,99%	5,42%	5,99%	6,14%	6,47%	6,19%
Cost / income	91,78%	84,18%	87,07%	0,00%	75,61%	69,41%	71,45%	78,77%	67,99%	74,34%	73,98%	71,05%
Cost of assets	8,88%	7,93%	8,00%	0,00%	7,95%	6,79%	6,73%	6,69%	7,91%	7,16%	7,18%	6,99%
Net assets	29 998 645	29 961 556	29 265 238	28 004 473	28 558 142	29 333 761	29 649 558	29 251 634	27 704 325	27 088 401	26 302 041	26 066 613
Average equity	3 985 753	3 975 268	3 833 070	3 767 578	3 763 401	3 732 910	3 679 823	3 794 260	3 227 547	2 887 930	2 835 024	2 882 808
Average % assets	27 291 709	27 362 739	26 752 007	25 300 932	25 843 911	26 697 093	26 846 383	26 548 267	25 815 297	25 734 260	24 729 852	24 319 115
Average % liabilities	25 147 485	25 121 707	24 619 859	23 432 686	23 977 096	24 767 664	25 219 306	24 789 917	23 790 637	23 575 383	22 978 677	22 741 651
NII	1 876 312	1 395 261	907 789	432 478	1 742 121	1 269 293	824 346	362 252	1 981 963	1 205 773	802 192	383 042
NCI	528 927	383 014	240 510	114 253	464 919	330 320	205 354	109 708	465 440	321 739	206 084	94 148
NCI / NII	28,2%	27,5%	26,5%	26,4%	26,7%	26,0%	24,9%	30,3%	23,5%	26,7%	25,7%	24,6%

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	-1,35%	2,30%	1,36%	0,00%	0,37%	1,50%	-0,63%	1,32%	8,81%	1,40%	-0,03%	-4,89%
RoE	-10,20%	17,37%	10,39%	0,00%	2,81%	11,85%	-5,13%	10,24%	75,70%	13,17%	-0,29%	-44,28%
Leverage cap. adequacy	7,5 / 13,3%	7,5 / 13,3%	7,6 / 13,1%	7,4 / 13,5%	7,6 / 13,2%	7,9 / 12,7%	8,1 / 12,4%	7,7 / 13,0%	8,6 / 11,6%	9,4 / 10,7%	9,3 / 10,8%	9,0 / 11,1%
NIM	7,05%	7,12%	7,10%	0,00%	7,31%	6,66%	6,88%	5,45%	12,02%	6,27%	6,77%	6,30%
Return on assets	10,31%	10,03%	10,14%	0,00%	9,96%	10,03%	10,61%	10,43%	11,06%	11,31%	11,87%	11,40%
Cost of liabilities	3,70%	3,37%	3,33%	0,00%	3,56%	3,94%	4,02%	5,01%	5,53%	5,20%	4,99%	5,21%
Net spread	6,61%	6,66%	6,81%	0,00%	6,40%	6,09%	6,59%	5,42%	5,53%	6,11%	6,88%	6,19%
Cost / income	112,46%	79,26%	89,27%	0,00%	92,48%	65,58%	65,58%	78,77%	57,79%	75,02%	76,93%	71,05%
Cost of assets	11,69%	8,28%	8,09%	0,00%	10,45%	6,67%	6,86%	6,69%	10,32%	7,62%	7,44%	6,99%
Net assets	29 998 645	29 961 556	29 265 238	28 004 473	28 558 142	29 333 761	29 649 558	29 251 634	27 704 325	27 088 401	26 302 041	26 066 613
Average equity	3 985 753	3 975 268	3 833 070	3 767 578	3 763 401	3 732 910	3 679 823	3 794 260	3 227 547	2 887 930	2 835 024	2 882 808
Average % assets	27 291 709	27 362 739	26 752 007	25 300 932	25 843 911	26 697 093	26 846 383	26 548 267	25 815 297	25 734 260	24 729 852	24 319 115
Average % liabilities	25 147 485	25 121 707	24 619 859	23 432 686	23 977 096	24 767 664	25 219 306	24 789 917	23 790 637	23 575 383	22 978 677	22 741 651
NII	481 051	487 472	475 311	432 478	472 828	444 947	462 094	362 252	776 190	403 581	419 150	383 042
NCI	145 913	142 504	126 257	114 253	134 599	124 966	95 646	109 708	143 701	115 655	111 936	94 148
NCI / NII	30,3%	29,2%	26,6%	26,4%	28,5%	28,1%	20,7%	30,3%	18,5%	28,7%	26,7%	24,6%

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 - 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.