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Central Bank of Russia registration number: 2756

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%	1,13%	2,82%	3,14%	3,11%	1,74%	2,06%	0,75%	0,04%
RoE	0,00%	0,00%	0,00%	0,00%	3,88%	9,11%	9,58%	9,67%	5,49%	6,23%	2,09%	0,10%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,8 / 36,3%	3,4 / 29,1%	3,4 / 29,3%	3,2 / 30,9%	3,1 / 32,8%	3,1 / 32,2%	3,1 / 31,8%	3,0 / 33,2%	2,8 / 36,3%	2,4 / 41,1%
NIM	0,00%	0,00%	0,00%	0,00%	8,58%	9,01%	9,27%	8,71%	8,89%	9,21%	10,22%	10,23%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,66%	10,06%	10,99%	10,70%	10,11%	10,40%	11,09%	10,95%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	2,63%	2,92%	3,44%	3,57%	3,39%	3,62%	3,95%	4,39%
Net spread	0,00%	0,00%	0,00%	0,00%	7,03%	7,14%	7,55%	7,13%	6,72%	6,78%	7,14%	6,56%
Cost / income	0,00%	0,00%	0,00%	0,00%	65,70%	65,56%	64,75%	71,58%	80,53%	85,87%	88,80%	90,94%
Cost of assets	0,00%	0,00%	0,00%	0,00%	8,53%	8,82%	9,30%	9,47%	10,08%	10,56%	11,86%	11,66%
Net assets	0	0	1 350 052	1 741 785	1 766 774	1 666 098	1 540 354	1 531 811	1 535 398	1 439 468	1 279 833	1 118 625
Average equity	0	0	490 566	506 904	517 304	515 418	504 977	493 515	487 944	477 401	464 164	460 178
Average % assets	0	0	1 301 267	1 634 527	1 613 920	1 567 000	1 459 788	1 491 580	1 529 110	1 445 562	1 287 533	1 122 133
Average % liabilities	0	0	828 237	1 197 017	1 205 990	1 101 523	981 645	995 758	1 052 484	971 879	826 620	667 126
NII	0	0	0	33 016	138 615	105 973	67 665	32 490	136 087	99 920	65 799	28 700
NCI	0	0	0	9 574	50 662	37 890	24 666	10 968	37 135	20 940	11 254	3 319
NCI / NII	-	-	-	29,0%	36,5%	35,8%	36,5%	33,8%	27,3%	21,0%	17,1%	11,6%

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	0,00%	0,00%	3,63%	0,00%	-3,42%	2,64%	3,18%	3,11%	1,16%	4,85%	1,47%	0,04%
RoE	0,00%	0,00%	10,01%	0,00%	-11,71%	8,56%	9,71%	9,67%	3,68%	14,63%	4,07%	0,10%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,8 / 36,3%	3,4 / 29,1%	3,4 / 29,3%	3,2 / 30,9%	3,1 / 32,8%	3,1 / 32,2%	3,1 / 31,8%	3,0 / 33,2%	2,8 / 36,3%	2,4 / 41,1%
NIM	0,00%	0,00%	0,00%	0,00%	8,09%	9,77%	9,63%	8,71%	9,46%	9,44%	11,52%	10,23%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,33%	9,72%	11,04%	10,70%	10,96%	11,45%	12,64%	10,95%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	2,52%	2,61%	3,26%	3,57%	3,56%	4,13%	4,36%	4,39%
Net spread	0,00%	0,00%	0,00%	0,00%	6,81%	7,11%	7,78%	7,13%	7,40%	7,32%	8,28%	6,56%
Cost / income	0,00%	0,00%	75,92%	0,00%	66,14%	67,11%	58,67%	71,58%	68,61%	80,81%	87,27%	90,94%
Cost of assets	0,00%	0,00%	-10,92%	0,00%	8,39%	9,28%	8,92%	9,47%	10,63%	10,93%	13,61%	11,66%
Net assets	0	0	1 350 052	1 741 785	1 766 774	1 666 098	1 540 354	1 531 811	1 535 398	1 439 468	1 279 833	1 118 625
Average equity	0	0	490 566	506 904	517 304	515 418	504 977	493 515	487 944	477 401	464 164	460 178
Average % assets	0	0	1 301 267	1 634 527	1 613 920	1 567 000	1 459 788	1 491 580	1 529 110	1 445 562	1 287 533	1 122 133
Average % liabilities	0	0	828 237	1 197 017	1 205 990	1 101 523	981 645	995 758	1 052 484	971 879	826 620	667 126
NII	0	0	0	33 016	32 642	38 308	35 175	32 490	36 167	34 121	37 099	28 700
NCI	0	0	0	9 574	12 772	13 224	13 698	10 968	16 195	9 686	7 935	3 319
NCI / NII	-	-	-	29,0%	39,1%	34,5%	38,9%	33,8%	44,8%	28,4%	21,4%	11,6%

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.