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Central Bank of Russia registration number: 3403  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	4,69%	5,15%	4,12%	0,00%	4,88%	5,07%	3,64%	3,27%	2,50%	2,86%	2,45%	1,31%
RoE	14,71%	17,86%	15,34%	0,00%	19,27%	20,49%	15,40%	14,72%	12,55%	14,19%	11,83%	6,33%
Leverage cap. adequacy	3,1 / 31,9%	3,5 / 28,8%	3,7 / 26,9%	3,8 / 26,4%	3,9 / 25,3%	4,0 / 24,8%	4,2 / 23,6%	4,5 / 22,3%	5,0 / 20,0%	4,9 / 20,2%	4,8 / 20,8%	4,8 / 20,8%
NIM	12,53%	13,58%	14,07%	0,00%	10,16%	9,69%	9,31%	8,56%	8,88%	7,18%	7,08%	6,79%
Return on assets	14,31%	15,50%	16,05%	0,00%	13,80%	13,61%	13,87%	13,15%	12,33%	12,36%	12,26%	11,71%
Cost of liabilities	4,61%	4,19%	4,02%	0,00%	4,52%	4,91%	5,21%	5,29%	5,42%	5,56%	6,00%	5,56%
Net spread	9,70%	11,31%	12,03%	0,00%	9,28%	8,70%	8,66%	7,86%	6,91%	6,80%	6,26%	6,15%
Cost / income	49,10%	50,99%	56,76%	0,00%	51,45%	52,38%	59,28%	59,52%	55,53%	65,37%	72,40%	83,76%
Cost of assets	12,66%	13,49%	14,48%	0,00%	10,50%	10,17%	10,76%	9,51%	8,84%	8,88%	9,08%	9,31%
Net assets	13 717 643	13 622 903	12 951 463	12 784 500	12 838 697	12 234 266	12 112 835	12 458 469	13 556 117	12 945 728	11 731 105	11 481 645
Average equity	4 376 648	3 928 517	3 482 320	3 369 121	3 251 472	3 031 481	2 862 660	2 772 331	2 708 351	2 616 200	2 434 444	2 385 717
Average % assets	9 934 502	8 988 413	8 500 891	8 296 116	8 891 389	8 742 357	8 407 093	9 076 495	9 758 446	9 416 714	9 212 607	9 407 751
Average % liabilities	7 783 936	8 239 518	8 273 194	8 251 530	8 430 493	8 112 214	8 265 043	8 801 311	10 106 827	9 684 949	8 720 059	8 694 212
NII	1 245 764	915 927	598 202	276 427	903 792	635 466	391 610	194 343	867 491	507 284	326 515	159 708
NCI	1 270 583	854 784	496 041	202 051	894 858	621 606	358 764	160 194	624 751	431 074	226 278	89 717
NCI / NII	102,0%	93,3%	82,9%	73,1%	99,0%	97,8%	91,6%	82,4%	72,0%	85,0%	69,3%	56,2%

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	3,43%	7,60%	4,25%	0,00%	5,00%	8,02%	3,91%	3,27%	1,81%	4,15%	3,62%	1,31%
RoE	10,76%	26,38%	15,82%	0,00%	19,76%	32,38%	16,54%	14,72%	9,09%	20,57%	17,45%	6,33%
Leverage cap. adequacy	3,1 / 31,9%	3,5 / 28,8%	3,7 / 26,9%	3,8 / 26,4%	3,9 / 25,3%	4,0 / 24,8%	4,2 / 23,6%	4,5 / 22,3%	5,0 / 20,0%	4,9 / 20,2%	4,8 / 20,8%	4,8 / 20,8%
NIM	13,28%	14,13%	15,14%	0,00%	12,07%	11,15%	9,38%	8,56%	14,76%	7,67%	7,24%	6,79%
Return on assets	15,19%	16,13%	16,71%	0,00%	15,06%	14,14%	13,55%	13,15%	13,53%	13,09%	12,56%	11,71%
Cost of liabilities	5,17%	4,48%	4,11%	0,00%	3,90%	4,12%	4,80%	5,29%	5,70%	5,87%	6,45%	5,56%
Net spread	10,02%	11,65%	12,60%	0,00%	11,16%	10,02%	8,75%	7,86%	7,83%	7,22%	6,11%	6,15%
Cost / income	44,70%	42,00%	58,54%	0,00%	49,27%	42,10%	59,06%	59,52%	39,42%	54,69%	62,98%	83,76%
Cost of assets	13,85%	13,03%	16,95%	0,00%	12,09%	9,84%	11,23%	9,51%	9,52%	8,84%	8,64%	9,31%
Net assets	13 717 643	13 622 903	12 951 463	12 784 500	12 838 697	12 234 266	12 112 835	12 458 469	13 556 117	12 945 728	11 731 105	11 481 645
Average equity	4 376 648	3 928 517	3 482 320	3 369 121	3 251 472	3 031 481	2 862 660	2 772 331	2 708 351	2 616 200	2 434 444	2 385 717
Average % assets	9 934 502	8 988 413	8 500 891	8 296 116	8 891 389	8 742 357	8 407 093	9 076 495	9 758 446	9 416 714	9 212 607	9 407 751
Average % liabilities	7 783 936	8 239 518	8 273 194	8 251 530	8 430 493	8 112 214	8 265 043	8 801 311	10 106 827	9 684 949	8 720 059	8 694 212
NII	329 837	317 725	321 775	276 427	268 326	243 856	197 267	194 343	360 207	180 769	166 807	159 708
NCI	415 799	358 743	293 990	202 051	273 252	262 842	198 570	160 194	193 677	204 796	136 561	89 717
NCI / NII	126,1%	112,9%	91,4%	73,1%	101,8%	107,8%	100,7%	82,4%	53,8%	113,3%	81,9%	56,2%

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.