Mailing list archive

	GAZNEFTBANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 3223  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	0,79%	1,49%	0,63%	0,00%	0,41%	0,13%	-0,22%	-1,45%	0,20%	0,35%	0,40%	0,74%
RoE	5,26%	10,08%	4,50%	0,00%	3,15%	1,07%	-1,76%	-11,60%	1,53%	2,65%	2,92%	5,42%
Leverage cap. adequacy	6,6 / 15,1%	6,7 / 14,8%	7,1 / 14,2%	7,2 / 13,9%	7,7 / 13,0%	7,9 / 12,7%	7,9 / 12,7%	8,0 / 12,5%	7,6 / 13,1%	7,5 / 13,4%	7,3 / 13,7%	7,3 / 13,7%
NIM	5,94%	5,36%	5,07%	0,00%	5,25%	4,40%	4,62%	4,66%	5,87%	5,91%	6,23%	6,31%
Return on assets	9,13%	8,86%	8,72%	0,00%	9,45%	9,58%	9,98%	9,91%	11,10%	11,30%	11,69%	11,68%
Cost of liabilities	3,77%	3,71%	3,77%	0,00%	5,02%	5,15%	5,46%	5,49%	5,51%	5,70%	5,68%	5,52%
Net spread	5,36%	5,15%	4,95%	0,00%	4,43%	4,43%	4,52%	4,42%	5,59%	5,60%	6,01%	6,16%
Cost / income	78,85%	86,48%	104,29%	0,00%	70,64%	77,87%	77,75%	76,18%	78,85%	79,79%	78,34%	78,85%
Cost of assets	6,30%	6,19%	6,64%	0,00%	5,91%	5,87%	6,23%	6,37%	6,89%	6,66%	6,91%	6,61%
Net assets	2 214 121	2 256 830	2 289 282	2 390 431	2 539 209	2 575 983	2 526 610	2 614 592	2 623 198	2 554 577	2 513 686	2 592 171
Average equity	333 287	334 425	324 535	332 526	330 525	327 157	320 396	328 083	343 383	342 856	345 088	355 627
Average % assets	1 968 328	1 987 387	1 967 839	2 013 924	2 163 179	2 190 048	2 181 054	2 294 848	2 350 118	2 289 550	2 203 469	2 240 413
Average % liabilities	1 858 671	1 898 848	1 936 736	2 031 432	2 183 532	2 221 922	2 167 713	2 239 912	2 233 486	2 167 596	2 125 555	2 190 397
NII	116 964	80 036	49 959	24 564	113 592	72 435	50 394	26 746	138 147	101 596	68 654	35 345
NCI	18 920	13 835	8 660	4 482	20 194	14 150	9 067	4 605	21 956	15 889	10 317	4 924
NCI / NII	16,2%	17,3%	17,3%	18,2%	17,8%	19,5%	18,0%	17,2%	15,9%	15,6%	15,0%	13,9%

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	-1,40%	3,18%	0,93%	0,00%	1,22%	0,84%	1,05%	-1,45%	-0,24%	0,28%	0,03%	0,74%
RoE	-9,31%	21,51%	6,58%	0,00%	9,44%	6,68%	8,34%	-11,60%	-1,83%	2,08%	0,25%	5,42%
Leverage cap. adequacy	6,6 / 15,1%	6,7 / 14,8%	7,1 / 14,2%	7,2 / 13,9%	7,7 / 13,0%	7,9 / 12,7%	7,9 / 12,7%	8,0 / 12,5%	7,6 / 13,1%	7,5 / 13,4%	7,3 / 13,7%	7,3 / 13,7%
NIM	7,50%	6,05%	5,16%	0,00%	7,61%	4,02%	4,33%	4,66%	6,22%	5,75%	6,04%	6,31%
Return on assets	9,66%	9,32%	8,53%	0,00%	8,71%	8,87%	9,54%	9,91%	11,38%	11,38%	11,51%	11,68%
Cost of liabilities	3,73%	3,45%	3,52%	0,00%	4,36%	4,79%	5,24%	5,49%	5,44%	5,96%	5,67%	5,52%
Net spread	5,93%	5,87%	5,01%	0,00%	4,35%	4,08%	4,30%	4,42%	5,94%	5,42%	5,84%	6,16%
Cost / income	62,44%	61,37%	124,79%	0,00%	54,98%	78,14%	79,69%	76,18%	76,74%	82,84%	77,86%	78,85%
Cost of assets	6,34%	5,47%	6,20%	0,00%	5,82%	5,24%	5,72%	6,37%	8,22%	6,67%	7,03%	6,61%
Net assets	2 214 121	2 256 830	2 289 282	2 390 431	2 539 209	2 575 983	2 526 610	2 614 592	2 623 198	2 554 577	2 513 686	2 592 171
Average equity	333 287	334 425	324 535	332 526	330 525	327 157	320 396	328 083	343 383	342 856	345 088	355 627
Average % assets	1 968 328	1 987 387	1 967 839	2 013 924	2 163 179	2 190 048	2 181 054	2 294 848	2 350 118	2 289 550	2 203 469	2 240 413
Average % liabilities	1 858 671	1 898 848	1 936 736	2 031 432	2 183 532	2 221 922	2 167 713	2 239 912	2 233 486	2 167 596	2 125 555	2 190 397
NII	36 928	30 077	25 395	24 564	41 157	22 041	23 648	26 746	36 551	32 942	33 309	35 345
NCI	5 085	5 175	4 178	4 482	6 044	5 083	4 462	4 605	6 067	5 572	5 393	4 924
NCI / NII	13,8%	17,2%	16,5%	18,2%	14,7%	23,1%	18,9%	17,2%	16,6%	16,9%	16,2%	13,9%

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.