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Central Bank of Russia registration number: 3450  foreign-controlled, foreign shareholders, 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	0,53%	1,96%	0,81%	0,00%	5,25%	5,06%	2,52%	1,88%	4,30%	5,96%	8,24%	8,22%
RoE	2,51%	8,20%	3,37%	0,00%	19,92%	22,76%	12,11%	8,10%	17,23%	18,47%	24,72%	28,39%
Leverage cap. adequacy	4,7 / 21,3%	4,2 / 23,9%	4,1 / 24,2%	4,0 / 25,1%	3,8 / 26,4%	4,5 / 22,3%	4,8 / 20,8%	4,3 / 23,2%	4,0 / 25,0%	3,1 / 32,3%	3,0 / 33,3%	3,5 / 29,0%
NIM	2,42%	2,58%	2,81%	0,00%	4,14%	4,03%	3,91%	4,09%	3,65%	5,11%	5,11%	4,24%
Return on assets	5,79%	5,59%	5,60%	0,00%	6,37%	5,91%	5,82%	6,68%	5,83%	7,38%	7,19%	6,27%
Cost of liabilities	3,73%	3,47%	3,23%	0,00%	2,54%	2,01%	1,98%	2,76%	2,37%	2,62%	2,72%	2,64%
Net spread	2,06%	2,12%	2,37%	0,00%	3,83%	3,90%	3,84%	3,92%	3,46%	4,76%	4,47%	3,63%
Cost / income	49,61%	33,32%	44,15%	0,00%	14,78%	11,20%	9,77%	7,92%	14,46%	14,60%	10,97%	10,49%
Cost of assets	1,71%	1,83%	2,05%	0,00%	1,54%	1,00%	0,93%	0,69%	0,92%	1,34%	1,10%	1,02%
Net assets	22 126 032	20 595 465	19 391 295	18 618 853	17 155 661	19 001 819	18 960 648	16 303 485	14 849 570	11 157 653	10 412 872	10 997 146
Average equity	4 705 544	4 930 795	4 701 453	4 666 322	4 529 117	4 229 386	3 952 475	3 790 035	3 710 813	3 600 470	3 472 294	3 184 426
Average % assets	18 993 661	17 705 430	16 600 356	15 758 859	14 216 840	15 582 762	15 374 776	13 251 833	12 114 696	8 700 811	9 045 731	10 046 399
Average % liabilities	17 131 258	15 369 742	14 367 216	13 659 279	12 450 841	14 576 803	14 771 019	12 395 228	11 096 123	7 518 334	6 886 491	7 714 722
NII	461 454	343 054	233 473	97 050	589 676	471 382	300 905	135 607	443 116	334 099	231 455	106 616
NCI	135 491	96 809	54 790	22 946	31 207	17 554	15 107	7 787	24 898	16 571	10 403	5 336
NCI / NII	29,4%	28,2%	23,5%	23,6%	5,3%	3,7%	5,0%	5,7%	5,6%	5,0%	4,5%	5,0%

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
RoA	-3,35%	4,35%	0,75%	0,00%	4,20%	10,16%	3,42%	1,88%	3,78%	2,49%	7,80%	8,22%
RoE	-15,75%	18,18%	3,12%	0,00%	15,92%	45,65%	16,44%	8,10%	15,15%	7,73%	23,40%	28,39%
Leverage cap. adequacy	4,7 / 21,3%	4,2 / 23,9%	4,1 / 24,2%	4,0 / 25,1%	3,8 / 26,4%	4,5 / 22,3%	4,8 / 20,8%	4,3 / 23,2%	4,0 / 25,0%	3,1 / 32,3%	3,0 / 33,3%	3,5 / 29,0%
NIM	2,49%	2,47%	3,28%	0,00%	3,32%	4,37%	4,30%	4,09%	3,59%	4,71%	5,52%	4,24%
Return on assets	7,53%	6,27%	6,06%	0,00%	6,03%	6,25%	5,89%	6,68%	7,41%	7,20%	7,41%	6,27%
Cost of liabilities	5,59%	4,37%	3,21%	0,00%	3,08%	2,01%	1,65%	2,76%	4,15%	2,87%	2,48%	2,64%
Net spread	1,94%	1,90%	2,85%	0,00%	2,95%	4,24%	4,24%	3,92%	3,26%	4,33%	4,93%	3,63%
Cost / income	0,00%	21,17%	49,52%	0,00%	23,27%	14,61%	10,99%	7,92%	13,95%	25,80%	11,52%	10,49%
Cost of assets	1,70%	1,64%	2,52%	0,00%	2,87%	1,15%	1,26%	0,69%	0,81%	1,74%	1,06%	1,02%
Net assets	22 126 032	20 595 465	19 391 295	18 618 853	17 155 661	19 001 819	18 960 648	16 303 485	14 849 570	11 157 653	10 412 872	10 997 146
Average equity	4 705 544	4 930 795	4 701 453	4 666 322	4 529 117	4 229 386	3 952 475	3 790 035	3 710 813	3 600 470	3 472 294	3 184 426
Average % assets	18 993 661	17 705 430	16 600 356	15 758 859	14 216 840	15 582 762	15 374 776	13 251 833	12 114 696	8 700 811	9 045 731	10 046 399
Average % liabilities	17 131 258	15 369 742	14 367 216	13 659 279	12 450 841	14 576 803	14 771 019	12 395 228	11 096 123	7 518 334	6 886 491	7 714 722
NII	118 400	109 581	136 423	97 050	118 294	170 477	165 298	135 607	109 017	102 644	124 839	106 616
NCI	38 682	42 019	31 844	22 946	13 653	2 447	7 320	7 787	8 327	6 168	5 067	5 336
NCI / NII	32,7%	38,3%	23,3%	23,6%	11,5%	1,4%	4,4%	5,7%	7,6%	6,0%	4,1%	5,0%

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.