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Central Bank of Russia registration number: 2766  retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions4

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	2,19%	1,27%	0,78%	0,00%	0,88%	-0,65%	-1,26%	0,57%	1,60%	1,07%	1,31%	-1,82%
RoE	9,84%	5,56%	3,37%	0,00%	4,04%	-3,15%	-6,30%	3,00%	8,33%	5,65%	7,07%	-9,41%
Leverage cap. adequacy	4,5 / 22,3%	4,4 / 23,0%	4,3 / 23,4%	4,4 / 22,5%	4,6 / 21,8%	4,8 / 20,8%	5,0 / 20,0%	5,2 / 19,3%	5,2 / 19,3%	5,3 / 19,0%	5,4 / 18,6%	5,2 / 19,4%
NIM	10,79%	10,87%	10,95%	0,00%	10,61%	10,76%	10,46%	9,93%	10,45%	10,39%	10,35%	10,46%
Return on assets	13,70%	13,77%	13,93%	0,00%	14,58%	15,06%	14,92%	14,99%	15,00%	14,81%	15,38%	16,29%
Cost of liabilities	2,92%	2,88%	2,93%	0,00%	4,23%	4,48%	4,58%	4,66%	4,78%	4,69%	4,76%	4,75%
Net spread	10,78%	10,89%	11,00%	0,00%	10,35%	10,58%	10,34%	10,33%	10,22%	10,12%	10,62%	11,54%
Cost / income	69,25%	69,00%	71,83%	0,00%	63,25%	60,52%	62,30%	65,65%	63,21%	62,68%	68,83%	78,30%
Cost of assets	12,52%	12,61%	13,31%	0,00%	11,61%	11,40%	10,80%	11,20%	11,39%	11,03%	11,84%	13,51%
Net assets	139 880 565	132 956 983	127 862 036	132 440 215	136 358 675	135 820 652	143 587 524	150 904 433	146 599 279	146 720 364	137 413 286	132 672 888
Average equity	31 152 674	30 542 433	29 892 645	29 853 486	29 685 660	28 282 172	28 769 503	29 081 837	28 286 735	27 907 544	25 544 149	25 701 339
Average % assets	146 092 967	141 523 842	136 589 137	139 576 416	145 250 120	143 481 124	151 207 016	159 206 433	159 522 605	160 139 256	152 508 181	145 044 910
Average % liabilities	100 838 638	94 795 355	91 248 048	95 899 412	99 993 369	100 573 303	107 073 607	114 558 724	113 661 300	114 402 520	107 735 046	102 448 695
NII	15 769 334	11 542 993	7 483 917	3 636 674	15 421 442	11 587 432	7 911 098	3 953 282	16 678 587	12 489 409	7 894 453	3 795 574
NCI	8 956 211	6 465 724	4 233 752	2 191 276	8 447 045	6 077 795	4 193 595	2 445 236	10 045 046	7 304 937	4 660 482	2 206 826
NCI / NII	56,8%	56,0%	56,6%	60,3%	54,8%	52,5%	53,0%	61,9%	60,2%	58,5%	59,0%	58,1%

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	5,12%	2,31%	0,32%	0,00%	5,48%	0,69%	-3,13%	0,57%	3,20%	0,76%	4,39%	-1,82%
RoE	23,01%	10,06%	1,37%	0,00%	25,21%	3,35%	-15,64%	3,00%	16,59%	4,01%	23,62%	-9,41%
Leverage cap. adequacy	4,5 / 22,3%	4,4 / 23,0%	4,3 / 23,4%	4,4 / 22,5%	4,6 / 21,8%	4,8 / 20,8%	5,0 / 20,0%	5,2 / 19,3%	5,2 / 19,3%	5,3 / 19,0%	5,4 / 18,6%	5,2 / 19,4%
NIM	11,57%	11,47%	11,26%	0,00%	10,55%	10,24%	10,46%	9,93%	10,50%	11,47%	10,75%	10,46%
Return on assets	14,77%	14,42%	13,92%	0,00%	13,67%	13,74%	14,05%	14,99%	15,40%	15,15%	15,26%	16,29%
Cost of liabilities	3,54%	3,02%	2,80%	0,00%	3,39%	3,69%	4,17%	4,66%	4,95%	5,11%	5,01%	4,75%
Net spread	11,23%	11,40%	11,12%	0,00%	10,28%	10,05%	9,88%	10,33%	10,45%	10,04%	10,25%	11,54%
Cost / income	69,95%	63,79%	76,95%	0,00%	71,75%	57,23%	58,58%	65,65%	64,69%	53,03%	60,16%	78,30%
Cost of assets	13,63%	12,32%	13,46%	0,00%	12,83%	11,38%	9,63%	11,20%	12,34%	10,90%	10,81%	13,51%
Net assets	139 880 565	132 956 983	127 862 036	132 440 215	136 358 675	135 820 652	143 587 524	150 904 433	146 599 279	146 720 364	137 413 286	132 672 888
Average equity	31 152 674	30 542 433	29 892 645	29 853 486	29 685 660	28 282 172	28 769 503	29 081 837	28 286 735	27 907 544	25 544 149	25 701 339
Average % assets	146 092 967	141 523 842	136 589 137	139 576 416	145 250 120	143 481 124	151 207 016	159 206 433	159 522 605	160 139 256	152 508 181	145 044 910
Average % liabilities	100 838 638	94 795 355	91 248 048	95 899 412	99 993 369	100 573 303	107 073 607	114 558 724	113 661 300	114 402 520	107 735 046	102 448 695
NII	4 226 341	4 059 076	3 847 243	3 636 674	3 834 010	3 676 334	3 957 816	3 953 282	4 189 178	4 594 956	4 098 879	3 795 574
NCI	2 490 487	2 231 972	2 042 476	2 191 276	2 369 250	1 884 200	1 748 359	2 445 236	2 740 109	2 644 455	2 453 656	2 206 826
NCI / NII	58,9%	55,0%	53,1%	60,3%	61,8%	51,3%	44,2%	61,9%	65,4%	57,6%	59,9%	58,1%

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.