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	BANK SGB (SEVERGAZBANK)I want to buy a research	добавить к сравнению
Central Bank of Russia registration number: 2816  ZB-Vertreter, complies with 214-FZ (equity construction)

General information Emissions0 Discuss3

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	0,88%	1,09%	1,01%	0,00%	0,93%	0,95%	1,01%	1,03%	0,75%	0,60%	0,39%	1,22%
RoE	12,91%	15,73%	15,26%	0,00%	13,06%	13,52%	14,16%	14,63%	10,81%	8,38%	5,95%	18,67%
Leverage cap. adequacy	14,6 / 6,8%	14,3 / 7,0%	15,0 / 6,7%	15,4 / 6,5%	14,0 / 7,1%	14,2 / 7,0%	14,0 / 7,2%	14,1 / 7,1%	14,3 / 7,0%	13,9 / 7,2%	15,0 / 6,7%	15,2 / 6,6%
NIM	3,09%	3,14%	3,01%	0,00%	2,64%	2,64%	2,70%	2,59%	2,53%	2,51%	2,36%	2,46%
Return on assets	7,24%	7,01%	6,67%	0,00%	6,93%	7,28%	7,93%	8,06%	8,70%	8,89%	8,41%	8,34%
Cost of liabilities	3,96%	3,65%	3,37%	0,00%	4,03%	4,32%	4,85%	5,20%	5,97%	6,03%	5,65%	5,57%
Net spread	3,28%	3,36%	3,30%	0,00%	2,90%	2,96%	3,08%	2,86%	2,73%	2,86%	2,76%	2,77%
Cost / income	69,70%	68,25%	70,12%	0,00%	69,31%	67,59%	67,03%	64,06%	80,80%	79,43%	83,09%	74,85%
Cost of assets	3,23%	3,21%	3,19%	0,00%	3,23%	3,27%	3,44%	3,37%	3,80%	3,64%	3,36%	3,13%
Net assets	66 109 163	65 102 604	65 349 948	67 264 895	61 498 372	60 225 320	57 688 877	57 579 282	58 104 736	58 526 885	62 403 678	60 375 318
Average equity	4 527 336	4 545 599	4 360 122	4 369 306	4 396 083	4 236 009	4 127 261	4 083 463	4 066 657	4 215 518	4 150 105	3 973 627
Average % assets	55 404 033	54 241 544	54 196 503	55 798 309	52 709 122	51 442 294	49 307 127	50 300 236	51 401 137	50 839 214	54 299 220	53 479 146
Average % liabilities	60 880 689	59 906 929	60 367 290	62 171 275	56 355 645	55 192 351	52 712 026	52 497 192	52 912 085	53 226 955	57 394 218	55 624 717
NII	1 712 532	1 278 556	816 606	393 609	1 395 799	1 019 879	667 845	326 851	1 305 399	960 033	642 408	329 276
NCI	707 646	520 003	340 811	165 444	777 786	563 660	370 675	202 134	747 336	508 307	317 654	154 429
NCI / NII	41,3%	40,7%	41,7%	42,0%	55,7%	55,3%	55,5%	61,8%	57,2%	52,9%	49,4%	46,9%

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	0,29%	1,25%	0,69%	0,00%	0,93%	0,91%	0,99%	1,03%	1,20%	0,96%	-0,39%	1,22%
RoE	4,25%	17,93%	10,49%	0,00%	13,14%	12,97%	13,84%	14,63%	17,18%	13,41%	-5,96%	18,67%
Leverage cap. adequacy	14,6 / 6,8%	14,3 / 7,0%	15,0 / 6,7%	15,4 / 6,5%	14,0 / 7,1%	14,2 / 7,0%	14,0 / 7,2%	14,1 / 7,1%	14,3 / 7,0%	13,9 / 7,2%	15,0 / 6,7%	15,2 / 6,6%
NIM	3,13%	3,40%	3,12%	0,00%	2,85%	2,73%	2,76%	2,59%	2,68%	2,49%	2,30%	2,46%
Return on assets	8,37%	7,68%	6,72%	0,00%	6,42%	6,64%	7,62%	8,06%	8,44%	8,70%	8,61%	8,34%
Cost of liabilities	5,06%	4,15%	3,34%	0,00%	3,41%	3,70%	4,52%	5,20%	5,67%	5,90%	5,91%	5,57%
Net spread	3,31%	3,53%	3,38%	0,00%	3,01%	2,94%	3,10%	2,86%	2,77%	2,80%	2,70%	2,77%
Cost / income	73,93%	64,84%	74,81%	0,00%	74,76%	68,75%	70,31%	64,06%	84,34%	73,24%	91,58%	74,85%
Cost of assets	3,49%	3,25%	3,40%	0,00%	3,34%	3,24%	3,43%	3,37%	4,43%	3,74%	3,65%	3,13%
Net assets	66 109 163	65 102 604	65 349 948	67 264 895	61 498 372	60 225 320	57 688 877	57 579 282	58 104 736	58 526 885	62 403 678	60 375 318
Average equity	4 527 336	4 545 599	4 360 122	4 369 306	4 396 083	4 236 009	4 127 261	4 083 463	4 066 657	4 215 518	4 150 105	3 973 627
Average % assets	55 404 033	54 241 544	54 196 503	55 798 309	52 709 122	51 442 294	49 307 127	50 300 236	51 401 137	50 839 214	54 299 220	53 479 146
Average % liabilities	60 880 689	59 906 929	60 367 290	62 171 275	56 355 645	55 192 351	52 712 026	52 497 192	52 912 085	53 226 955	57 394 218	55 624 717
NII	433 976	461 950	422 997	393 609	375 920	352 034	340 994	326 851	345 366	317 625	313 132	329 276
NCI	187 643	179 192	175 367	165 444	214 126	192 985	168 541	202 134	239 029	190 653	163 225	154 429
NCI / NII	43,2%	38,8%	41,5%	42,0%	57,0%	54,8%	49,4%	61,8%	69,2%	60,0%	52,1%	46,9%

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.