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Central Bank of Russia registration number: 3505

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	-0,38%	-0,81%	-0,44%	0,00%	-1,00%	0,48%	1,10%	0,37%	0,91%	-0,55%	-0,94%	4,79%
RoE	-0,53%	-1,08%	-0,47%	0,00%	-1,08%	0,56%	1,28%	0,48%	1,18%	-0,63%	-1,03%	5,31%
Leverage cap. adequacy	1,4 / 71,9%	1,3 / 75,3%	1,1 / 93,8%	1,1 / 94,3%	1,1 / 92,4%	1,2 / 85,4%	1,2 / 85,9%	1,3 / 77,2%	1,3 / 76,6%	1,1 / 87,2%	1,1 / 91,0%	1,1 / 90,2%
NIM	6,94%	7,44%	7,71%	0,00%	8,17%	7,71%	8,04%	7,95%	7,08%	7,82%	8,52%	8,48%
Return on assets	7,12%	7,43%	7,72%	0,00%	8,61%	8,22%	8,51%	8,04%	8,46%	9,79%	10,55%	11,21%
Cost of liabilities	0,93%	0,51%	2,17%	0,00%	5,93%	3,30%	3,18%	1,17%	4,26%	10,78%	17,49%	21,00%
Net spread	6,19%	6,92%	5,55%	0,00%	2,68%	4,92%	5,33%	6,87%	4,20%	-0,99%	-6,94%	-9,79%
Cost / income	111,10%	115,12%	122,44%	0,00%	100,97%	86,10%	89,61%	61,74%	145,19%	145,47%	159,67%	167,01%
Cost of assets	8,47%	8,98%	9,49%	0,00%	10,82%	9,85%	9,81%	9,70%	9,92%	11,82%	13,30%	13,05%
Net assets	480 400	461 484	370 907	370 563	381 436	416 024	410 251	456 268	453 618	397 812	382 597	385 085
Average equity	345 646	347 338	348 019	349 419	352 282	355 490	352 354	352 073	347 401	346 771	348 116	347 507
Average % assets	369 965	338 081	319 979	329 149	339 475	370 139	372 540	421 039	423 119	367 898	346 968	350 782
Average % liabilities	132 275	111 739	20 355	18 891	27 342	58 365	55 698	102 032	102 160	47 392	31 306	34 308
NII	25 680	18 869	12 339	6 098	27 751	21 431	14 983	8 373	29 964	21 593	14 783	7 445
NCI	1 368	979	703	391	1 435	1 076	726	397	1 496	1 033	723	416
NCI / NII	5,3%	5,2%	5,7%	6,4%	5,2%	5,0%	4,8%	4,7%	5,0%	4,8%	4,9%	5,6%

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	0,82%	-1,73%	0,41%	0,00%	-5,61%	-0,71%	1,78%	0,37%	5,09%	0,15%	-6,71%	4,79%
RoE	1,14%	-2,30%	0,44%	0,00%	-6,07%	-0,83%	2,07%	0,48%	6,65%	0,17%	-7,37%	5,31%
Leverage cap. adequacy	1,4 / 71,9%	1,3 / 75,3%	1,1 / 93,8%	1,1 / 94,3%	1,1 / 92,4%	1,2 / 85,4%	1,2 / 85,9%	1,3 / 77,2%	1,3 / 76,6%	1,1 / 87,2%	1,1 / 91,0%	1,1 / 90,2%
NIM	7,36%	7,72%	7,80%	0,00%	7,44%	6,96%	7,09%	7,95%	7,91%	7,40%	8,45%	8,48%
Return on assets	8,12%	7,68%	8,06%	0,00%	7,56%	7,53%	7,93%	8,04%	8,29%	9,48%	9,76%	11,21%
Cost of liabilities	2,44%	0,75%	3,12%	0,00%	2,54%	3,84%	4,22%	1,17%	2,02%	9,25%	11,97%	21,00%
Net spread	5,68%	6,93%	4,94%	0,00%	5,02%	3,69%	3,71%	6,87%	6,27%	0,23%	-2,21%	-9,79%
Cost / income	101,57%	102,92%	134,73%	0,00%	208,94%	80,03%	213,55%	61,74%	144,27%	119,80%	153,17%	167,01%
Cost of assets	9,18%	9,03%	9,91%	0,00%	10,84%	10,05%	8,58%	9,70%	9,06%	10,40%	13,54%	13,05%
Net assets	480 400	461 484	370 907	370 563	381 436	416 024	410 251	456 268	453 618	397 812	382 597	385 085
Average equity	345 646	347 338	348 019	349 419	352 282	355 490	352 354	352 073	347 401	346 771	348 116	347 507
Average % assets	369 965	338 081	319 979	329 149	339 475	370 139	372 540	421 039	423 119	367 898	346 968	350 782
Average % liabilities	132 275	111 739	20 355	18 891	27 342	58 365	55 698	102 032	102 160	47 392	31 306	34 308
NII	6 811	6 530	6 241	6 098	6 320	6 448	6 610	8 373	8 371	6 810	7 338	7 445
NCI	389	276	312	391	359	350	329	397	463	310	307	416
NCI / NII	5,7%	4,2%	5,0%	6,4%	5,7%	5,4%	5,0%	4,7%	5,5%	4,6%	4,2%	5,6%

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.