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Central Bank of Russia registration number: 272  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	0,00%	0,00%	0,00%	0,00%	0,00%	-6,67%	-6,88%	-8,42%	-2,55%	-4,69%	-5,17%	-0,46%
RoE	0,00%	0,00%	0,00%	0,00%	0,00%	-14,17%	-14,23%	-20,40%	-5,53%	-8,99%	-9,55%	-0,93%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,0 / 50,4%	2,2 / 45,9%	2,3 / 43,4%	2,1 / 47,1%	2,1 / 48,4%	2,4 / 41,3%	2,2 / 46,1%	1,9 / 52,2%	1,8 / 54,1%	2,0 / 50,0%
NIM	0,00%	0,00%	0,00%	0,00%	4,56%	4,84%	5,11%	4,19%	6,12%	7,67%	7,09%	6,51%
Return on assets	0,00%	0,00%	0,00%	0,00%	5,29%	5,82%	6,24%	5,17%	7,18%	9,01%	8,30%	7,59%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	1,62%	2,08%	2,27%	1,76%	1,84%	2,28%	2,46%	2,13%
Net spread	0,00%	0,00%	0,00%	0,00%	3,67%	3,74%	3,97%	3,41%	5,34%	6,73%	5,84%	5,46%
Cost / income	0,00%	0,00%	0,00%	0,00%	241,96%	269,50%	304,24%	794,15%	158,86%	153,43%	146,58%	142,92%
Cost of assets	0,00%	0,00%	0,00%	0,00%	27,97%	35,56%	37,61%	20,25%	26,18%	36,66%	26,89%	12,69%
Net assets	0	0	1 475 640	1 661 875	1 731 924	1 621 478	1 603 264	1 959 438	1 773 209	1 615 578	1 610 034	1 813 758
Average equity	0	0	743 426	762 098	751 580	763 047	775 246	809 383	817 102	844 079	870 952	907 309
Average % assets	0	0	847 442	990 285	1 027 810	927 791	912 765	1 267 155	1 095 372	941 650	1 150 033	1 471 865
Average % liabilities	0	0	701 037	853 168	911 934	792 265	762 681	1 068 280	881 786	718 699	695 127	861 963
NII	0	0	0	11 155	46 965	33 704	23 348	13 289	67 080	54 180	40 772	23 962
NCI	0	0	0	3 587	15 970	11 385	6 841	3 186	16 678	12 499	8 578	3 806
NCI / NII	-	-	-	32,2%	34,0%	33,8%	29,3%	24,0%	24,9%	23,1%	21,0%	15,9%

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	0,00%	0,00%	0,48%	0,00%	18,73%	-6,40%	-3,46%	-8,42%	2,63%	-3,78%	-9,81%	-0,46%
RoE	0,00%	0,00%	0,96%	0,00%	43,17%	-13,60%	-7,15%	-20,40%	5,72%	-7,25%	-18,14%	-0,93%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,0 / 50,4%	2,2 / 45,9%	2,3 / 43,4%	2,1 / 47,1%	2,1 / 48,4%	2,4 / 41,3%	2,2 / 46,1%	1,9 / 52,2%	1,8 / 54,1%	2,0 / 50,0%
NIM	0,00%	0,00%	0,00%	0,00%	5,16%	4,46%	4,40%	4,19%	4,71%	5,69%	5,84%	6,51%
Return on assets	0,00%	0,00%	0,00%	0,00%	5,38%	5,19%	5,30%	5,17%	5,49%	6,77%	6,88%	7,59%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	1,07%	1,86%	2,07%	1,76%	1,79%	2,09%	2,27%	2,13%
Net spread	0,00%	0,00%	0,00%	0,00%	4,31%	3,33%	3,23%	3,41%	3,70%	4,68%	4,61%	5,46%
Cost / income	0,00%	0,00%	205,05%	0,00%	182,72%	215,73%	177,84%	794,15%	178,74%	177,14%	148,75%	142,92%
Cost of assets	0,00%	0,00%	-43,31%	0,00%	26,82%	33,52%	34,95%	20,25%	25,27%	28,44%	34,26%	12,69%
Net assets	0	0	1 475 640	1 661 875	1 731 924	1 621 478	1 603 264	1 959 438	1 773 209	1 615 578	1 610 034	1 813 758
Average equity	0	0	743 426	762 098	751 580	763 047	775 246	809 383	817 102	844 079	870 952	907 309
Average % assets	0	0	847 442	990 285	1 027 810	927 791	912 765	1 267 155	1 095 372	941 650	1 150 033	1 471 865
Average % liabilities	0	0	701 037	853 168	911 934	792 265	762 681	1 068 280	881 786	718 699	695 127	861 963
NII	0	0	0	11 155	13 261	10 356	10 059	13 289	12 900	13 408	16 810	23 962
NCI	0	0	0	3 587	4 585	4 544	3 655	3 186	4 179	3 921	4 772	3 806
NCI / NII	-	-	-	32,2%	34,6%	43,9%	36,3%	24,0%	32,4%	29,2%	28,4%	15,9%

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.