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Central Bank of Russia registration number: 2772  retail funding

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	1,99%	2,42%	1,27%	0,00%	1,63%	1,47%	1,59%	1,20%	1,64%	1,84%	1,41%	2,09%
RoE	14,01%	17,20%	9,43%	0,00%	13,13%	11,70%	12,62%	9,97%	13,50%	14,64%	10,49%	16,87%
Leverage cap. adequacy	7,0 / 14,2%	7,1 / 14,1%	7,4 / 13,5%	7,7 / 13,1%	8,0 / 12,4%	8,0 / 12,6%	7,9 / 12,7%	8,3 / 12,1%	8,2 / 12,2%	7,9 / 12,6%	7,4 / 13,5%	8,1 / 12,4%
NIM	5,62%	5,46%	5,20%	0,00%	4,93%	5,03%	5,40%	5,52%	5,88%	6,38%	6,96%	6,98%
Return on assets	9,21%	9,09%	9,01%	0,00%	9,46%	9,83%	10,63%	10,56%	10,72%	11,40%	12,23%	12,13%
Cost of liabilities	3,82%	3,87%	4,05%	0,00%	4,74%	4,99%	5,38%	5,37%	5,03%	5,17%	5,42%	5,27%
Net spread	5,39%	5,22%	4,96%	0,00%	4,72%	4,84%	5,25%	5,19%	5,69%	6,23%	6,81%	6,86%
Cost / income	58,66%	58,17%	61,08%	0,00%	61,19%	63,59%	64,16%	63,54%	60,12%	59,13%	60,66%	61,09%
Cost of assets	5,14%	4,89%	4,81%	0,00%	5,00%	5,16%	5,59%	5,71%	5,41%	5,67%	6,14%	5,65%
Net assets	12 368 064	12 076 468	11 859 671	12 094 971	12 410 391	12 202 197	11 671 074	11 779 025	11 522 288	10 947 567	10 275 070	10 362 224
Average equity	1 760 919	1 702 863	1 602 090	1 579 603	1 544 218	1 532 802	1 477 391	1 424 859	1 402 094	1 377 758	1 387 859	1 286 993
Average % assets	10 524 335	10 315 547	10 120 353	10 303 324	10 585 613	10 278 341	9 552 769	9 839 732	9 797 979	9 166 971	8 452 323	8 559 945
Average % liabilities	10 344 295	10 098 525	9 960 089	10 214 959	10 551 637	10 322 302	9 830 487	10 030 862	9 843 070	9 301 768	8 614 492	8 798 286
NII	592 385	422 710	263 397	125 661	522 139	388 336	257 959	135 966	576 682	439 032	294 331	149 560
NCI	202 933	142 589	82 669	41 257	200 979	143 342	85 412	45 474	213 970	154 735	93 840	45 553
NCI / NII	34,3%	33,7%	31,4%	32,8%	38,5%	36,9%	33,1%	33,4%	37,1%	35,2%	31,9%	30,5%

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	0,87%	4,77%	0,67%	0,00%	2,20%	1,35%	1,97%	1,20%	1,32%	2,86%	0,72%	2,09%
RoE	6,13%	33,86%	5,02%	0,00%	17,68%	10,77%	15,62%	9,97%	10,85%	22,79%	5,34%	16,87%
Leverage cap. adequacy	7,0 / 14,2%	7,1 / 14,1%	7,4 / 13,5%	7,7 / 13,1%	8,0 / 12,4%	8,0 / 12,6%	7,9 / 12,7%	8,3 / 12,1%	8,2 / 12,2%	7,9 / 12,6%	7,4 / 13,5%	8,1 / 12,4%
NIM	6,44%	6,17%	5,44%	0,00%	5,05%	5,07%	5,10%	5,52%	5,61%	6,31%	6,85%	6,98%
Return on assets	10,10%	9,60%	9,15%	0,00%	9,20%	9,73%	10,39%	10,56%	10,88%	11,65%	12,18%	12,13%
Cost of liabilities	3,94%	3,62%	3,91%	0,00%	4,31%	4,73%	5,28%	5,37%	5,49%	5,46%	5,45%	5,27%
Net spread	6,16%	5,98%	5,24%	0,00%	4,89%	5,00%	5,11%	5,19%	5,39%	6,19%	6,73%	6,86%
Cost / income	59,80%	53,59%	63,81%	0,00%	54,97%	62,46%	64,86%	63,54%	62,99%	56,33%	60,29%	61,09%
Cost of assets	6,27%	5,25%	5,21%	0,00%	4,99%	5,13%	5,28%	5,71%	5,78%	5,71%	6,58%	5,65%
Net assets	12 368 064	12 076 468	11 859 671	12 094 971	12 410 391	12 202 197	11 671 074	11 779 025	11 522 288	10 947 567	10 275 070	10 362 224
Average equity	1 760 919	1 702 863	1 602 090	1 579 603	1 544 218	1 532 802	1 477 391	1 424 859	1 402 094	1 377 758	1 387 859	1 286 993
Average % assets	10 524 335	10 315 547	10 120 353	10 303 324	10 585 613	10 278 341	9 552 769	9 839 732	9 797 979	9 166 971	8 452 323	8 559 945
Average % liabilities	10 344 295	10 098 525	9 960 089	10 214 959	10 551 637	10 322 302	9 830 487	10 030 862	9 843 070	9 301 768	8 614 492	8 798 286
NII	169 675	159 313	137 736	125 661	133 803	130 377	121 993	135 966	137 650	144 701	144 771	149 560
NCI	60 344	59 920	41 412	41 257	57 637	57 930	39 938	45 474	59 235	60 895	48 287	45 553
NCI / NII	35,6%	37,6%	30,1%	32,8%	43,1%	44,4%	32,7%	33,4%	43,0%	42,1%	33,4%	30,5%

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.