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Central Bank of Russia registration number: 3354  Retailbank, ZB-Vertreter, complies with 213-FZ (work with state companies)

General information Emissions2

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	2,37%	2,81%	3,00%	0,00%	2,06%	1,20%	-0,16%	4,64%	3,77%	4,29%	4,92%	5,91%
RoE	9,76%	11,60%	12,65%	0,00%	8,23%	5,10%	-0,73%	22,57%	19,10%	22,63%	26,88%	32,32%
Leverage cap. adequacy	4,1 / 24,4%	4,1 / 24,2%	4,2 / 23,8%	4,3 / 23,5%	4,0 / 25,0%	4,2 / 23,7%	4,5 / 22,0%	4,9 / 20,6%	5,1 / 19,8%	5,3 / 19,0%	5,5 / 18,3%	5,5 / 18,3%
NIM	11,47%	11,27%	11,41%	0,00%	13,70%	13,74%	13,69%	13,92%	15,89%	15,68%	15,69%	15,72%
Return on assets	16,25%	16,43%	16,50%	0,00%	19,92%	20,17%	19,82%	19,49%	20,10%	20,13%	20,27%	20,56%
Cost of liabilities	5,42%	5,26%	5,22%	0,00%	6,79%	7,13%	6,98%	6,82%	7,17%	7,08%	7,02%	6,95%
Net spread	10,83%	11,17%	11,28%	0,00%	13,13%	13,04%	12,84%	12,67%	12,93%	13,05%	13,25%	13,61%
Cost / income	50,70%	47,01%	44,73%	0,00%	38,87%	36,20%	35,33%	29,32%	29,04%	26,84%	26,87%	25,05%
Cost of assets	8,58%	7,83%	7,58%	0,00%	7,92%	7,30%	6,79%	6,13%	6,77%	6,31%	6,34%	5,75%
Net assets	151 035 692	149 192 843	147 886 033	144 828 140	136 321 652	136 867 398	148 530 967	159 966 107	160 417 896	160 944 353	159 165 412	158 208 087
Average equity	36 796 504	36 173 768	35 150 779	34 034 897	34 147 421	32 383 441	32 711 070	32 923 230	31 688 900	30 571 749	29 141 838	28 954 629
Average % assets	157 322 744	156 119 025	155 969 144	154 232 195	148 633 549	151 040 474	158 707 360	166 194 233	169 468 304	169 397 968	165 836 153	161 918 914
Average % liabilities	109 194 002	108 082 143	107 378 927	105 457 096	96 938 540	98 421 175	108 594 305	119 527 220	123 146 753	125 375 449	125 538 531	124 781 987
NII	18 054 351	13 203 252	8 899 212	4 629 145	20 365 128	15 573 587	10 865 559	5 784 139	26 935 500	19 926 565	13 010 902	6 364 616
NCI	7 570 962	5 355 998	3 407 168	1 522 961	5 217 057	3 474 165	2 294 904	1 530 751	7 429 263	5 709 275	3 858 936	1 692 675
NCI / NII	41,9%	40,6%	38,3%	32,9%	25,6%	22,3%	21,1%	26,5%	27,6%	28,7%	29,7%	26,6%

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	1,17%	2,48%	2,97%	0,00%	4,61%	3,97%	-5,32%	4,64%	2,15%	3,16%	3,96%	5,91%
RoE	4,80%	10,23%	12,52%	0,00%	18,43%	16,78%	-24,18%	22,57%	10,92%	16,64%	21,65%	32,32%
Leverage cap. adequacy	4,1 / 24,4%	4,1 / 24,2%	4,2 / 23,8%	4,3 / 23,5%	4,0 / 25,0%	4,2 / 23,7%	4,5 / 22,0%	4,9 / 20,6%	5,1 / 19,8%	5,3 / 19,0%	5,5 / 18,3%	5,5 / 18,3%
NIM	12,33%	11,02%	10,95%	0,00%	12,89%	12,46%	12,80%	13,92%	16,54%	16,32%	16,03%	15,72%
Return on assets	16,07%	16,33%	16,37%	0,00%	18,20%	18,86%	19,22%	19,49%	20,05%	20,70%	20,47%	20,56%
Cost of liabilities	6,07%	5,42%	5,28%	0,00%	5,46%	5,96%	6,46%	6,82%	7,05%	7,17%	7,12%	6,95%
Net spread	10,00%	10,91%	11,09%	0,00%	12,74%	12,90%	12,76%	12,67%	13,00%	13,53%	13,35%	13,61%
Cost / income	60,48%	51,65%	50,88%	0,00%	46,83%	38,16%	43,93%	29,32%	35,71%	26,77%	28,57%	25,05%
Cost of assets	11,22%	8,51%	8,41%	0,00%	9,59%	7,13%	6,94%	6,13%	8,27%	6,41%	6,98%	5,75%
Net assets	151 035 692	149 192 843	147 886 033	144 828 140	136 321 652	136 867 398	148 530 967	159 966 107	160 417 896	160 944 353	159 165 412	158 208 087
Average equity	36 796 504	36 173 768	35 150 779	34 034 897	34 147 421	32 383 441	32 711 070	32 923 230	31 688 900	30 571 749	29 141 838	28 954 629
Average % assets	157 322 744	156 119 025	155 969 144	154 232 195	148 633 549	151 040 474	158 707 360	166 194 233	169 468 304	169 397 968	165 836 153	161 918 914
Average % liabilities	109 194 002	108 082 143	107 378 927	105 457 096	96 938 540	98 421 175	108 594 305	119 527 220	123 146 753	125 375 449	125 538 531	124 781 987
NII	4 851 099	4 304 040	4 270 067	4 629 145	4 791 541	4 708 028	5 081 420	5 784 139	7 008 935	6 915 663	6 646 286	6 364 616
NCI	2 214 964	1 948 830	1 884 207	1 522 961	1 742 892	1 179 261	764 153	1 530 751	1 719 988	1 850 339	2 166 261	1 692 675
NCI / NII	45,7%	45,3%	44,1%	32,9%	36,4%	25,0%	15,0%	26,5%	24,5%	26,8%	32,6%	26,6%

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.