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Central Bank of Russia registration number: 3539

General information Emissions0

Balance Profit Profitability

IFRS reports

Financial analysis

• 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
RoA	7,61%	6,91%	7,53%	0,00%	9,08%
RoE	51,37%	61,31%	76,37%	0,00%	60,34%
Leverage cap. adequacy	6,8 / 14,8%	8,9 / 11,3%	10,1 / 9,9%	7,2 / 13,9%	6,6 / 15,1%
NIM	3,84%	3,33%	2,29%	0,00%	2,23%
Return on assets	4,53%	4,19%	3,30%	0,00%	2,76%
Cost of liabilities	70,27%	156,91%	6,22%	0,00%	0,00%
Net spread	-65,74%	-152,72%	-2,92%	0,00%	2,76%
Cost / income	12,17%	9,32%	9,03%	0,00%	10,73%
Cost of assets	8,88%	7,89%	7,92%	0,00%	8,90%
Net assets	20 124 153	23 271 424	22 870 593	13 451 220	9 803 857
Average equity	2 981 187	2 625 086	2 255 386	1 870 059	1 476 519
Average % assets	3 181 265	2 783 224	2 762 791	1 988 941	1 537 386
Average % liabilities	31 305	15 274	447 836	155 630	0
NII	122 177	69 569	31 646	8 696	34 361
NCI	1 987 952	1 556 192	1 101 276	599 376	999 474
NCI / NII	1 627,1%	2 236,9%	3 480,0%	6 892,5%	2 908,7%

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
RoA	6,44%	5,94%	5,16%	0,00%	36,35%
RoE	43,51%	52,71%	52,40%	0,00%	241,36%
Leverage cap. adequacy	6,8 / 14,8%	8,9 / 11,3%	10,1 / 9,9%	7,2 / 13,9%	6,6 / 15,1%
NIM	6,61%	5,45%	3,32%	0,00%	8,94%
Return on assets	7,12%	6,02%	3,96%	0,00%	11,05%
Cost of liabilities	51,44%	105,48%	3,97%	0,00%	0,00%
Net spread	-44,32%	-99,46%	-0,01%	0,00%	11,05%
Cost / income	21,30%	9,94%	11,40%	0,00%	10,73%
Cost of assets	14,79%	7,93%	8,42%	0,00%	35,62%
Net assets	20 124 153	23 271 424	22 870 593	13 451 220	9 803 857
Average equity	2 981 187	2 625 086	2 255 386	1 870 059	1 476 519
Average % assets	3 181 265	2 783 224	2 762 791	1 988 941	1 537 386
Average % liabilities	31 305	15 274	447 836	155 630	0
NII	52 608	37 923	22 950	8 696	34 361
NCI	431 760	454 916	501 900	599 376	999 474
NCI / NII	820,7%	1 199,6%	2 186,9%	6 892,5%	2 908,7%

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.