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Central Bank of Russia registration number: 3415

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	0,28%	0,16%	0,08%	0,00%	0,60%	0,33%	-0,20%	0,14%	0,46%	0,92%	1,34%	7,40%
RoE	0,92%	0,53%	0,27%	0,00%	1,91%	1,05%	-0,60%	0,41%	1,26%	2,46%	3,42%	19,46%
Leverage cap. adequacy	3,2 / 30,8%	3,2 / 30,8%	3,2 / 30,9%	3,1 / 32,2%	3,2 / 31,5%	3,1 / 32,0%	3,0 / 33,1%	3,0 / 33,8%	2,7 / 36,5%	2,7 / 37,5%	2,5 / 39,4%	2,6 / 38,1%
NIM	5,38%	5,06%	4,75%	0,00%	3,95%	3,84%	4,22%	4,01%	8,63%	9,59%	11,63%	15,60%
Return on assets	6,43%	6,07%	5,72%	0,00%	5,85%	5,88%	6,54%	6,83%	8,26%	8,55%	8,74%	8,59%
Cost of liabilities	1,51%	1,48%	1,52%	0,00%	2,64%	1,96%	2,12%	2,21%	0,85%	0,85%	0,61%	0,54%
Net spread	4,92%	4,59%	4,20%	0,00%	3,21%	3,92%	4,42%	4,62%	7,41%	7,70%	8,13%	8,05%
Cost / income	117,65%	127,02%	125,08%	0,00%	141,77%	152,68%	154,74%	126,67%	89,12%	83,48%	69,63%	56,54%
Cost of assets	10,85%	11,12%	10,45%	0,00%	10,30%	10,58%	11,17%	9,45%	11,94%	11,70%	10,85%	10,77%
Net assets	1 108 476	1 105 050	1 096 059	1 065 921	1 082 597	1 058 909	1 020 944	1 001 841	926 928	909 797	882 324	914 652
Average equity	341 325	340 249	338 820	343 451	340 943	338 803	337 760	338 662	338 228	341 530	347 582	348 030
Average % assets	823 585	806 301	776 157	769 417	773 056	797 988	769 438	760 318	783 016	780 214	783 004	816 650
Average % liabilities	691 589	686 118	674 727	634 930	649 905	624 143	580 249	580 493	584 583	565 890	532 874	562 957
NII	44 329	30 625	18 451	9 084	30 548	23 009	16 261	7 624	67 622	56 172	45 546	31 858
NCI	28 774	20 336	12 859	5 691	25 797	17 190	10 205	5 653	29 805	21 102	13 089	6 248
NCI / NII	64,9%	66,4%	69,7%	62,6%	84,4%	74,7%	62,8%	74,1%	44,1%	37,6%	28,7%	19,6%

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	0,63%	0,32%	0,12%	0,00%	1,42%	1,40%	-0,54%	0,14%	-0,87%	0,16%	-4,98%	7,40%
RoE	2,07%	1,06%	0,39%	0,00%	4,51%	4,38%	-1,63%	0,41%	-2,39%	0,42%	-12,64%	19,46%
Leverage cap. adequacy	3,2 / 30,8%	3,2 / 30,8%	3,2 / 30,9%	3,1 / 32,2%	3,2 / 31,5%	3,1 / 32,0%	3,0 / 33,1%	3,0 / 33,8%	2,7 / 36,5%	2,7 / 37,5%	2,5 / 39,4%	2,6 / 38,1%
NIM	6,65%	6,03%	4,82%	0,00%	3,90%	3,38%	4,49%	4,01%	5,84%	5,44%	6,99%	15,60%
Return on assets	7,89%	7,19%	5,96%	0,00%	5,20%	5,01%	6,34%	6,83%	7,48%	8,10%	8,53%	8,59%
Cost of liabilities	1,64%	1,44%	1,48%	0,00%	4,90%	1,94%	2,02%	2,21%	0,93%	1,41%	0,66%	0,54%
Net spread	6,25%	5,75%	4,48%	0,00%	0,30%	3,07%	4,32%	4,62%	6,55%	6,69%	7,87%	8,05%
Cost / income	96,24%	130,05%	116,38%	0,00%	111,30%	148,56%	183,90%	126,67%	109,52%	124,61%	93,26%	56,54%
Cost of assets	10,80%	13,34%	10,83%	0,00%	8,52%	10,28%	13,02%	9,45%	12,71%	13,20%	10,36%	10,77%
Net assets	1 108 476	1 105 050	1 096 059	1 065 921	1 082 597	1 058 909	1 020 944	1 001 841	926 928	909 797	882 324	914 652
Average equity	341 325	340 249	338 820	343 451	340 943	338 803	337 760	338 662	338 228	341 530	347 582	348 030
Average % assets	823 585	806 301	776 157	769 417	773 056	797 988	769 438	760 318	783 016	780 214	783 004	816 650
Average % liabilities	691 589	686 118	674 727	634 930	649 905	624 143	580 249	580 493	584 583	565 890	532 874	562 957
NII	13 704	12 174	9 367	9 084	7 539	6 748	8 637	7 624	11 450	10 626	13 688	31 858
NCI	8 438	7 477	7 168	5 691	8 607	6 985	4 552	5 653	8 703	8 013	6 841	6 248
NCI / NII	61,6%	61,4%	76,5%	62,6%	114,2%	103,5%	52,7%	74,1%	76,0%	75,4%	50,0%	19,6%

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 - 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.