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Central Bank of Russia registration number: 2846

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	0,09%	0,26%	1,15%	0,00%	1,40%	1,92%	0,67%	1,47%	2,85%	5,29%	2,52%	37,62%
RoE	0,22%	0,64%	2,76%	0,00%	2,88%	4,11%	1,29%	2,92%	5,28%	10,50%	4,92%	69,09%
Leverage cap. adequacy	2,3 / 43,7%	2,4 / 41,5%	2,4 / 41,8%	2,2 / 45,8%	2,1 / 48,6%	2,1 / 46,7%	1,9 / 51,7%	2,0 / 50,5%	1,9 / 54,0%	2,0 / 50,4%	2,0 / 51,2%	1,8 / 54,4%
NIM	6,43%	5,74%	5,75%	0,00%	10,40%	11,11%	4,76%	0,88%	0,00%	6,50%	7,43%	7,74%
Return on assets	7,20%	6,45%	6,19%	0,00%	7,26%	6,79%	7,74%	7,53%	9,07%	9,24%	9,41%	9,88%
Cost of liabilities	2,07%	1,72%	1,32%	0,00%	2,70%	2,47%	3,10%	3,07%	14,45%	3,43%	3,29%	3,56%
Net spread	5,13%	4,73%	4,87%	0,00%	4,56%	4,32%	4,64%	4,46%	-5,38%	5,81%	6,12%	6,32%
Cost / income	82,50%	85,05%	96,83%	0,00%	58,61%	54,01%	132,09%	355,21%	2105,80%	102,72%	92,79%	91,94%
Cost of assets	8,06%	7,45%	7,91%	0,00%	8,39%	7,55%	9,33%	10,43%	11,20%	10,71%	10,54%	12,35%
Net assets	2 704 068	2 879 354	2 976 898	2 756 610	2 557 072	2 660 976	2 377 664	2 320 422	2 187 252	2 307 298	2 465 277	2 105 551
Average equity	1 181 374	1 193 853	1 242 878	1 261 314	1 242 920	1 241 893	1 228 203	1 171 441	1 180 744	1 163 149	1 261 060	1 146 381
Average % assets	2 911 642	3 046 778	2 945 903	2 574 208	2 719 575	2 900 247	2 622 321	2 688 760	2 533 447	2 597 237	2 623 059	2 412 436
Average % liabilities	1 480 359	1 639 802	1 689 114	1 441 469	1 258 612	1 365 901	1 088 458	1 095 176	979 881	1 106 475	1 173 196	944 237
NII	187 245	131 349	84 785	37 785	283 020	241 846	62 476	5 919	0	126 757	97 523	46 698
NCI	17 822	13 187	9 007	4 364	21 335	14 669	8 498	4 591	27 546	21 672	16 485	9 742
NCI / NII	9,5%	10,0%	10,6%	11,5%	7,5%	6,1%	13,6%	77,6%	-	17,1%	16,9%	20,9%

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	-0,46%	-1,58%	1,11%	0,00%	-0,39%	4,56%	-0,10%	1,47%	-5,34%	10,50%	-27,08%	37,62%
RoE	-1,07%	-3,81%	2,66%	0,00%	-0,81%	9,78%	-0,19%	2,92%	-9,90%	20,83%	-52,95%	69,09%
Leverage cap. adequacy	2,3 / 43,7%	2,4 / 41,5%	2,4 / 41,8%	2,2 / 45,8%	2,1 / 48,6%	2,1 / 46,7%	1,9 / 51,7%	2,0 / 50,5%	1,9 / 54,0%	2,0 / 50,4%	2,0 / 51,2%	1,8 / 54,4%
NIM	7,67%	6,11%	6,38%	0,00%	6,05%	24,73%	8,62%	0,88%	0,00%	4,50%	7,75%	7,74%
Return on assets	8,55%	7,37%	6,24%	0,00%	7,31%	6,37%	7,76%	7,53%	7,86%	8,71%	9,73%	9,88%
Cost of liabilities	2,54%	2,45%	1,44%	0,00%	2,76%	2,46%	3,12%	3,07%	46,17%	3,32%	3,71%	3,56%
Net spread	6,01%	4,92%	4,80%	0,00%	4,55%	3,91%	4,64%	4,46%	-38,31%	5,39%	6,02%	6,32%
Cost / income	75,91%	66,38%	90,17%	0,00%	78,21%	21,70%	74,32%	355,21%	0,00%	136,01%	93,63%	91,94%
Cost of assets	8,26%	6,75%	8,15%	0,00%	8,51%	6,44%	8,34%	10,43%	11,76%	9,77%	10,70%	12,35%
Net assets	2 704 068	2 879 354	2 976 898	2 756 610	2 557 072	2 660 976	2 377 664	2 320 422	2 187 252	2 307 298	2 465 277	2 105 551
Average equity	1 181 374	1 193 853	1 242 878	1 261 314	1 242 920	1 241 893	1 228 203	1 171 441	1 180 744	1 163 149	1 261 060	1 146 381
Average % assets	2 911 642	3 046 778	2 945 903	2 574 208	2 719 575	2 900 247	2 622 321	2 688 760	2 533 447	2 597 237	2 623 059	2 412 436
Average % liabilities	1 480 359	1 639 802	1 689 114	1 441 469	1 258 612	1 365 901	1 088 458	1 095 176	979 881	1 106 475	1 173 196	944 237
NII	55 896	46 564	47 000	37 785	41 174	179 370	56 557	5 919	0	29 234	50 825	46 698
NCI	4 635	4 180	4 643	4 364	6 666	6 171	3 907	4 591	5 874	5 187	6 743	9 742
NCI / NII	8,3%	9,0%	9,9%	11,5%	16,2%	3,4%	6,9%	77,6%	-	17,7%	13,3%	20,9%

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 - 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.