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Central Bank of Russia registration number: 2838  complies with 214-FZ (equity construction)

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	0,37%	-0,32%	-0,87%	0,00%	0,86%	1,62%	1,00%	0,96%	1,08%	1,37%	0,73%	1,22%
RoE	1,81%	-1,42%	-3,94%	0,00%	3,46%	6,54%	4,09%	4,00%	4,21%	5,25%	2,79%	4,62%
Leverage cap. adequacy	4,9 / 20,5%	4,4 / 22,5%	4,5 / 22,3%	4,2 / 23,9%	4,0 / 25,0%	4,0 / 24,8%	4,1 / 24,6%	4,1 / 24,2%	3,9 / 25,6%	3,8 / 26,1%	3,8 / 26,1%	3,8 / 26,4%
NIM	7,29%	7,35%	6,56%	0,00%	6,92%	6,63%	6,90%	7,04%	7,54%	7,24%	7,02%	8,22%
Return on assets	8,95%	9,01%	8,31%	0,00%	8,95%	8,86%	9,33%	9,49%	9,65%	9,74%	9,94%	10,14%
Cost of liabilities	1,71%	1,88%	1,87%	0,00%	2,59%	2,69%	2,80%	2,79%	2,54%	2,65%	2,60%	2,60%
Net spread	7,24%	7,13%	6,44%	0,00%	6,36%	6,17%	6,53%	6,70%	7,11%	7,09%	7,34%	7,54%
Cost / income	86,47%	95,59%	99,36%	0,00%	108,70%	96,53%	92,07%	94,39%	151,45%	199,95%	124,30%	91,82%
Cost of assets	8,47%	8,86%	8,44%	0,00%	9,16%	8,44%	8,64%	9,17%	11,02%	11,69%	11,70%	11,76%
Net assets	3 872 350	3 466 085	3 521 417	3 327 847	3 218 247	3 203 458	3 178 105	3 207 063	3 018 247	2 841 681	2 873 063	2 832 087
Average equity	794 172	779 486	785 044	796 957	804 114	795 320	781 866	776 862	773 163	741 061	751 250	748 051
Average % assets	2 800 885	2 679 606	2 752 442	2 762 522	2 733 357	2 692 476	2 547 601	2 640 961	2 730 051	2 655 919	2 551 198	2 502 621
Average % liabilities	2 907 465	2 505 719	2 539 943	2 325 241	2 203 967	2 191 692	2 161 638	2 235 331	2 206 351	2 063 989	2 077 351	2 044 984
NII	204 374	147 827	90 289	43 483	189 330	133 973	88 006	46 536	206 087	144 305	89 586	51 437
NCI	67 076	36 109	21 331	9 395	43 372	31 110	20 924	12 957	56 095	39 451	24 334	12 080
NCI / NII	32,8%	24,4%	23,6%	21,6%	22,9%	23,2%	23,8%	27,8%	27,2%	27,3%	27,2%	23,5%

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	2,34%	0,82%	-2,42%	0,00%	-1,38%	2,87%	1,03%	0,96%	0,45%	2,63%	0,25%	1,22%
RoE	11,45%	3,66%	-10,86%	0,00%	-5,55%	11,58%	4,20%	4,00%	1,76%	10,09%	0,98%	4,62%
Leverage cap. adequacy	4,9 / 20,5%	4,4 / 22,5%	4,5 / 22,3%	4,2 / 23,9%	4,0 / 25,0%	4,0 / 24,8%	4,1 / 24,6%	4,1 / 24,2%	3,9 / 25,6%	3,8 / 26,1%	3,8 / 26,1%	3,8 / 26,4%
NIM	8,07%	8,58%	6,80%	0,00%	8,10%	6,82%	6,51%	7,04%	9,05%	8,24%	5,98%	8,22%
Return on assets	9,93%	9,96%	8,52%	0,00%	9,61%	8,91%	8,82%	9,49%	10,17%	10,12%	9,94%	10,14%
Cost of liabilities	1,97%	1,86%	1,85%	0,00%	2,33%	2,55%	2,72%	2,79%	2,74%	2,71%	2,65%	2,60%
Net spread	7,96%	8,10%	6,67%	0,00%	7,28%	6,36%	6,10%	6,70%	7,43%	7,41%	7,29%	7,54%
Cost / income	67,37%	89,25%	98,58%	0,00%	147,01%	105,72%	89,39%	94,39%	91,15%	0,00%	185,53%	91,82%
Cost of assets	8,53%	9,25%	8,23%	0,00%	11,95%	9,06%	7,78%	9,17%	11,82%	13,21%	12,11%	11,76%
Net assets	3 872 350	3 466 085	3 521 417	3 327 847	3 218 247	3 203 458	3 178 105	3 207 063	3 018 247	2 841 681	2 873 063	2 832 087
Average equity	794 172	779 486	785 044	796 957	804 114	795 320	781 866	776 862	773 163	741 061	751 250	748 051
Average % assets	2 800 885	2 679 606	2 752 442	2 762 522	2 733 357	2 692 476	2 547 601	2 640 961	2 730 051	2 655 919	2 551 198	2 502 621
Average % liabilities	2 907 465	2 505 719	2 539 943	2 325 241	2 203 967	2 191 692	2 161 638	2 235 331	2 206 351	2 063 989	2 077 351	2 044 984
NII	56 547	57 538	46 806	43 483	55 357	45 967	41 470	46 536	61 782	54 719	38 149	51 437
NCI	30 967	14 778	11 936	9 395	12 262	10 186	7 967	12 957	16 644	15 117	12 254	12 080
NCI / NII	54,8%	25,7%	25,5%	21,6%	22,2%	22,2%	19,2%	27,8%	26,9%	27,6%	32,1%	23,5%

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.