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Central Bank of Russia registration number: 2733  CB RF representative, 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	2,12%	2,18%	2,01%	0,00%	2,22%	2,11%	2,19%	2,61%	2,64%	2,31%	2,67%	3,13%
RoE	16,18%	16,41%	14,90%	0,00%	16,03%	14,89%	15,28%	17,89%	18,73%	16,80%	19,21%	23,02%
Leverage cap. adequacy	7,6 / 13,1%	7,5 / 13,3%	7,4 / 13,5%	7,4 / 13,6%	7,2 / 13,9%	7,0 / 14,2%	7,0 / 14,4%	6,8 / 14,6%	7,1 / 14,1%	7,3 / 13,8%	7,2 / 13,9%	7,3 / 13,6%
NIM	5,61%	5,62%	5,61%	0,00%	5,48%	5,61%	5,82%	5,97%	6,89%	7,26%	8,16%	10,41%
Return on assets	8,65%	8,59%	8,51%	0,00%	8,65%	9,14%	9,64%	9,92%	10,88%	11,26%	12,27%	14,43%
Cost of liabilities	3,81%	3,75%	3,71%	0,00%	4,09%	4,50%	4,75%	5,00%	5,17%	5,18%	5,22%	5,11%
Net spread	4,84%	4,84%	4,80%	0,00%	4,56%	4,64%	4,89%	4,92%	5,71%	6,08%	7,05%	9,32%
Cost / income	49,71%	48,58%	47,23%	0,00%	51,72%	51,77%	52,16%	46,71%	54,81%	52,19%	49,35%	37,28%
Cost of assets	4,34%	4,30%	4,19%	0,00%	4,64%	4,77%	4,89%	4,55%	5,85%	5,64%	5,90%	5,27%
Net assets	86 530 475	82 580 547	80 063 271	78 828 007	74 529 042	69 511 941	67 764 757	65 231 894	63 701 829	62 692 875	60 690 239	59 823 711
Average equity	11 375 127	11 005 354	10 837 429	10 689 828	10 323 012	9 874 372	9 739 492	9 537 581	9 009 315	8 641 201	8 464 341	8 154 717
Average % assets	77 626 283	75 602 939	73 598 823	72 618 936	68 872 188	64 732 914	61 267 708	59 841 286	59 556 642	58 827 098	56 510 765	55 580 663
Average % liabilities	72 950 683	69 453 557	66 926 154	65 631 474	61 855 671	57 211 944	55 360 433	53 396 151	53 473 866	52 764 173	51 037 462	50 684 939
NII	4 362 066	3 190 019	2 067 961	997 039	3 776 011	2 724 291	1 783 944	893 766	4 107 285	3 206 037	2 305 792	1 446 724
NCI	1 874 045	1 363 342	886 902	416 605	1 703 808	1 202 121	752 630	396 345	1 833 184	1 313 365	834 580	394 174
NCI / NII	43,0%	42,7%	42,9%	41,8%	45,1%	44,1%	42,2%	44,3%	44,6%	41,0%	36,2%	27,2%

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	2,24%	2,65%	2,01%	0,00%	2,96%	2,06%	1,87%	2,61%	3,76%	1,75%	2,26%	3,13%
RoE	17,11%	19,88%	14,85%	0,00%	21,40%	14,52%	13,05%	17,89%	26,58%	12,75%	16,24%	23,02%
Leverage cap. adequacy	7,6 / 13,1%	7,5 / 13,3%	7,4 / 13,5%	7,4 / 13,6%	7,2 / 13,9%	7,0 / 14,2%	7,0 / 14,4%	6,8 / 14,6%	7,1 / 14,1%	7,3 / 13,8%	7,2 / 13,9%	7,3 / 13,6%
NIM	6,03%	5,93%	5,82%	0,00%	6,10%	5,81%	5,81%	5,97%	6,05%	6,12%	6,08%	10,41%
Return on assets	9,49%	9,20%	8,71%	0,00%	8,84%	9,16%	9,60%	9,92%	10,14%	10,22%	10,34%	14,43%
Cost of liabilities	4,54%	4,11%	3,79%	0,00%	3,88%	4,30%	4,68%	5,00%	5,34%	5,43%	5,37%	5,11%
Net spread	4,95%	5,09%	4,92%	0,00%	4,96%	4,86%	4,92%	4,92%	4,80%	4,79%	4,97%	9,32%
Cost / income	52,89%	51,08%	51,91%	0,00%	51,61%	51,05%	57,80%	46,71%	62,71%	59,09%	66,20%	37,28%
Cost of assets	4,87%	4,76%	4,87%	0,00%	5,14%	5,04%	5,34%	4,55%	6,66%	5,60%	6,61%	5,27%
Net assets	86 530 475	82 580 547	80 063 271	78 828 007	74 529 042	69 511 941	67 764 757	65 231 894	63 701 829	62 692 875	60 690 239	59 823 711
Average equity	11 375 127	11 005 354	10 837 429	10 689 828	10 323 012	9 874 372	9 739 492	9 537 581	9 009 315	8 641 201	8 464 341	8 154 717
Average % assets	77 626 283	75 602 939	73 598 823	72 618 936	68 872 188	64 732 914	61 267 708	59 841 286	59 556 642	58 827 098	56 510 765	55 580 663
Average % liabilities	72 950 683	69 453 557	66 926 154	65 631 474	61 855 671	57 211 944	55 360 433	53 396 151	53 473 866	52 764 173	51 037 462	50 684 939
NII	1 172 047	1 122 058	1 070 922	997 039	1 051 720	940 347	890 178	893 766	901 248	900 245	859 068	1 446 724
NCI	510 703	476 440	470 297	416 605	501 687	449 491	356 285	396 345	519 819	478 785	440 406	394 174
NCI / NII	43,6%	42,5%	43,9%	41,8%	47,7%	47,8%	40,0%	44,3%	57,7%	53,2%	51,3%	27,2%

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.