Kuap. Ru - Financial analysis of the bank НАЦИОНАЛЬНЫЙ СТАНДАРТ, key financial ratios, bank's reports analysis

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Our statistics

  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • Belarussian banks - 39
  • Balances (f. 101), ratios (f. 135) and capital (f. 123 and 134) available
    at 1 February 2022
  • Income (f. 102) available
    at 1 January 2022
 

NATSIONALNIY STANDART

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Central Bank of Russia registration number: 3421  CB RF representativecomplies with 214-FZ (equity construction)complies with 213-FZ (work with state companies)

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
RoA1,53%1,60%1,16%0,00%1,22%0,49%-0,10%0,58%1,58%1,43%1,05%-1,42%
RoE8,44%9,03%6,40%0,00%6,49%2,68%-0,60%3,24%8,17%7,49%6,96%-10,09%
Leverage
cap. adequacy
5,5 / 18,1%5,6 / 17,7%5,5 / 18,1%5,2 / 19,1%5,3 / 18,8%5,5 / 18,3%5,7 / 17,6%5,5 / 18,0%5,2 / 19,4%5,2 / 19,2%6,6 / 15,1%7,1 / 14,2%
NIM4,79%4,61%4,50%0,00%3,78%3,49%3,64%3,84%5,43%5,06%4,28%4,80%
Return on
assets
7,98%7,58%7,55%0,00%8,62%8,62%8,90%8,73%10,87%11,19%9,63%9,68%
Cost of
liabilities
4,07%3,89%3,93%0,00%5,51%5,76%5,67%5,74%6,80%7,17%6,14%5,91%
Net
spread
3,91%3,69%3,62%0,00%3,11%2,86%3,23%2,99%4,07%4,02%3,49%3,77%
Cost /
income
68,54%66,27%70,64%0,00%82,54%90,38%96,01%92,66%69,50%70,25%70,41%78,65%
Cost of
assets
4,07%3,81%3,98%0,00%4,49%4,38%4,58%4,49%5,41%5,37%4,47%4,61%
Net
assets
31 521 23132 284 64631 526 29930 782 98830 920 55131 897 20932 731 04632 319 27330 066 67229 941 86936 385 18237 438 121
Average
equity
5 720 9185 723 1605 713 8655 874 9195 824 9075 843 5965 752 3855 824 5275 829 5865 754 2625 495 2705 304 549
Average
% assets
28 000 60028 934 95528 065 12927 137 39927 846 38128 497 20628 262 74829 950 10227 631 41028 079 76934 804 62335 914 308
Average
% liabilities
25 440 04826 177 48225 286 71924 391 43724 527 91025 530 30926 375 95726 015 03124 083 20124 028 26030 742 68931 976 196
NII1 341 4001 001 582631 744327 9131 053 001747 502515 513287 9551 502 5361 067 275745 834431 079
NCI275 473192 078121 93057 026262 551185 202119 50763 354297 142214 353136 11264 516
NCI / NII20,5%19,2%19,3%17,4%24,9%24,8%23,2%22,0%19,8%20,1%18,2%15,0%

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
RoA1,21%2,53%1,16%0,00%3,37%1,69%-0,78%0,58%2,04%1,76%3,57%-1,42%
RoE6,67%14,31%6,42%0,00%17,90%9,23%-4,48%3,24%10,53%9,17%23,67%-10,09%
Leverage
cap. adequacy
5,5 / 18,1%5,6 / 17,7%5,5 / 18,1%5,2 / 19,1%5,3 / 18,8%5,5 / 18,3%5,7 / 17,6%5,5 / 18,0%5,2 / 19,4%5,2 / 19,2%6,6 / 15,1%7,1 / 14,2%
NIM4,85%5,11%4,33%0,00%4,38%3,25%3,22%3,84%6,30%4,57%3,61%4,80%
Return on
assets
8,43%8,08%7,77%0,00%8,01%8,23%8,54%8,73%9,39%9,67%9,28%9,68%
Cost of
liabilities
4,27%4,07%4,10%0,00%4,07%5,56%5,68%5,74%5,72%5,80%6,14%5,91%
Net
spread
4,16%4,01%3,67%0,00%3,94%2,67%2,86%2,99%3,67%3,87%3,14%3,77%
Cost /
income
75,38%58,83%71,26%0,00%65,62%79,92%99,94%92,66%67,28%69,88%62,87%78,65%
Cost of
assets
4,47%3,76%4,17%0,00%4,53%4,06%4,40%4,49%5,28%4,91%4,17%4,61%
Net
assets
31 521 23132 284 64631 526 29930 782 98830 920 55131 897 20932 731 04632 319 27330 066 67229 941 86936 385 18237 438 121
Average
equity
5 720 9185 723 1605 713 8655 874 9195 824 9075 843 5965 752 3855 824 5275 829 5865 754 2625 495 2705 304 549
Average
% assets
28 000 60028 934 95528 065 12927 137 39927 846 38128 497 20628 262 74829 950 10227 631 41028 079 76934 804 62335 914 308
Average
% liabilities
25 440 04826 177 48225 286 71924 391 43724 527 91025 530 30926 375 95726 015 03124 083 20124 028 26030 742 68931 976 196
NII339 818369 838303 831327 913305 499231 989227 558287 955435 261321 441314 755431 079
NCI83 39570 14864 90457 02677 34965 69556 15363 35482 78978 24171 59664 516
NCI / NII24,5%19,0%21,4%17,4%25,3%28,3%24,7%22,0%19,0%24,3%22,7%15,0%

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.