DERZHAVA |
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| Central Bank of Russia registration number: 2738 issues guarantees, complies with 214-FZ (equity construction) | |||
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 | 3,75% | 3,73% | 3,50% | 0,00% | 4,17% | 4,16% | 6,33% | 8,03% | 4,64% | 5,00% | 6,95% | 17,05% |
| RoE | 15,88% | 16,12% | 16,81% | 0,00% | 17,14% | 16,74% | 26,95% | 38,41% | 19,96% | 19,62% | 24,80% | 52,31% |
| Leverage cap. adequacy | 4,2 / 23,6% | 4,3 / 23,2% | 4,8 / 20,9% | 3,8 / 26,6% | 4,1 / 24,3% | 4,0 / 24,9% | 4,3 / 23,5% | 4,8 / 20,9% | 4,3 / 23,3% | 3,9 / 25,5% | 3,6 / 28,0% | 3,1 / 32,6% |
| NIM | 3,79% | 3,70% | 3,37% | 0,00% | 4,17% | 4,04% | 3,84% | 3,40% | 4,27% | 4,67% | 5,42% | 6,63% |
| Return on assets | 7,03% | 6,43% | 5,62% | 0,00% | 7,10% | 7,25% | 7,48% | 7,38% | 7,68% | 8,56% | 9,56% | 10,80% |
| Cost of liabilities | 4,91% | 4,08% | 3,19% | 0,00% | 4,06% | 4,67% | 5,14% | 5,12% | 4,89% | 5,42% | 5,81% | 5,93% |
| Net spread | 2,12% | 2,35% | 2,43% | 0,00% | 3,04% | 2,58% | 2,34% | 2,26% | 2,79% | 3,14% | 3,75% | 4,87% |
| Cost / income | 47,67% | 48,36% | 50,92% | 0,00% | 39,70% | 43,01% | 37,89% | 32,02% | 41,21% | 42,52% | 39,36% | 32,18% |
| Cost of assets | 5,09% | 4,99% | 4,66% | 0,00% | 4,87% | 4,77% | 4,55% | 4,39% | 3,93% | 4,19% | 4,32% | 4,80% |
| Net assets | ||||||||||||
| Average equity | ||||||||||||
| Average % assets | ||||||||||||
| Average % liabilities | ||||||||||||
| NII | ||||||||||||
| NCI | ||||||||||||
| NCI / NII | 194,3% | 182,7% | 181,8% | 191,2% | 190,1% | 189,5% | 182,1% | 194,0% | 118,7% | 104,1% | 67,8% | 42,6% |
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 | 3,83% | 3,81% | 3,25% | 0,00% | 5,00% | -0,32% | 4,25% | 8,03% | 5,73% | 2,64% | -0,21% | 17,05% |
| RoE | 16,20% | 16,49% | 15,58% | 0,00% | 20,57% | -1,30% | 18,09% | 38,41% | 24,63% | 10,35% | -0,75% | 52,31% |
| Leverage cap. adequacy | 4,2 / 23,6% | 4,3 / 23,2% | 4,8 / 20,9% | 3,8 / 26,6% | 4,1 / 24,3% | 4,0 / 24,9% | 4,3 / 23,5% | 4,8 / 20,9% | 4,3 / 23,3% | 3,9 / 25,5% | 3,6 / 28,0% | 3,1 / 32,6% |
| NIM | 3,96% | 3,94% | 3,66% | 0,00% | 4,81% | 4,37% | 4,14% | 3,40% | 5,07% | 4,60% | 5,39% | 6,63% |
| Return on assets | 8,66% | 7,33% | 6,37% | 0,00% | 7,12% | 6,63% | 7,27% | 7,38% | 8,69% | 9,07% | 10,24% | 10,80% |
| Cost of liabilities | 6,92% | 5,18% | 3,83% | 0,00% | 3,39% | 3,34% | 4,62% | 5,12% | 6,05% | 6,13% | 6,94% | 5,93% |
| Net spread | 1,74% | 2,15% | 2,54% | 0,00% | 3,73% | 3,29% | 2,65% | 2,26% | 2,64% | 2,94% | 3,30% | 4,87% |
| Cost / income | 45,79% | 44,01% | 58,74% | 0,00% | 33,27% | 56,86% | 46,63% | 32,02% | 38,63% | 48,33% | 48,24% | 32,18% |
| Cost of assets | 5,26% | 5,05% | 4,69% | 0,00% | 5,55% | 5,11% | 4,50% | 4,39% | 4,95% | 5,03% | 4,74% | 4,80% |
| Net assets | ||||||||||||
| Average equity | ||||||||||||
| Average % assets | ||||||||||||
| Average % liabilities | ||||||||||||
| NII | ||||||||||||
| NCI | ||||||||||||
| NCI / NII | 227,3% | 184,2% | 173,9% | 191,2% | 191,8% | 202,6% | 171,9% | 194,0% | 153,3% | 178,3% | 93,3% | 42,6% |
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.
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