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Central Bank of Russia registration number: 444

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	1,11%	-0,14%	-1,16%	0,00%	-0,12%	-0,86%	-3,32%	-2,04%	1,11%	0,94%	-0,40%	3,15%
RoE	2,59%	-0,35%	-2,58%	0,00%	-0,29%	-1,91%	-6,89%	-4,31%	2,49%	2,12%	-0,85%	6,76%
Leverage cap. adequacy	2,3 / 43,1%	2,3 / 42,6%	2,2 / 45,2%	2,4 / 42,2%	2,4 / 41,9%	2,2 / 45,0%	2,1 / 48,2%	2,1 / 47,3%	2,2 / 44,5%	2,3 / 44,4%	2,1 / 47,1%	2,1 / 46,7%
NIM	7,81%	7,81%	8,07%	0,00%	6,73%	7,29%	7,80%	7,48%	8,34%	8,54%	9,00%	8,73%
Return on assets	9,74%	9,86%	10,31%	0,00%	8,54%	9,25%	9,89%	9,61%	10,71%	11,04%	11,69%	11,31%
Cost of liabilities	3,15%	3,37%	3,73%	0,00%	2,85%	3,23%	3,62%	3,51%	3,74%	3,90%	4,28%	4,05%
Net spread	6,59%	6,49%	6,58%	0,00%	5,69%	6,02%	6,27%	6,10%	6,97%	7,14%	7,41%	7,26%
Cost / income	78,64%	81,29%	84,91%	0,00%	88,05%	90,36%	91,74%	95,80%	82,84%	81,57%	82,30%	78,53%
Cost of assets	9,41%	9,91%	10,76%	0,00%	9,70%	10,85%	11,93%	12,63%	11,40%	11,51%	12,46%	11,50%
Net assets	937 196	884 824	840 289	887 935	910 092	835 428	783 307	806 708	852 035	828 676	780 643	798 618
Average equity	403 499	377 326	380 140	374 364	381 199	376 106	377 710	381 274	379 543	367 574	367 475	372 817
Average % assets	836 968	792 955	724 011	782 369	790 864	713 161	658 286	658 312	707 606	685 354	627 607	640 103
Average % liabilities	512 420	482 199	434 042	488 101	501 022	433 109	378 757	398 913	448 420	437 965	393 997	407 036
NII	65 426	46 474	29 217	13 937	53 292	38 994	25 684	12 311	59 060	43 939	28 257	13 975
NCI	25 263	18 318	12 082	6 002	24 913	18 574	12 710	7 126	29 392	21 632	14 519	7 341
NCI / NII	38,6%	39,4%	41,4%	43,1%	46,7%	47,6%	49,5%	57,9%	49,8%	49,2%	51,4%	52,5%

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	4,89%	1,76%	-2,70%	0,00%	1,87%	3,65%	-4,54%	-2,04%	1,68%	3,58%	-4,03%	3,15%
RoE	11,36%	4,15%	-5,98%	0,00%	4,47%	8,10%	-9,42%	-4,31%	3,78%	8,09%	-8,56%	6,76%
Leverage cap. adequacy	2,3 / 43,1%	2,3 / 42,6%	2,2 / 45,2%	2,4 / 42,2%	2,4 / 41,9%	2,2 / 45,0%	2,1 / 48,2%	2,1 / 47,3%	2,2 / 44,5%	2,3 / 44,4%	2,1 / 47,1%	2,1 / 46,7%
NIM	9,05%	8,70%	8,44%	0,00%	7,23%	7,46%	8,12%	7,48%	8,54%	9,15%	9,10%	8,73%
Return on assets	10,94%	10,77%	10,78%	0,00%	9,14%	9,51%	10,17%	9,61%	10,78%	11,71%	11,85%	11,31%
Cost of liabilities	3,08%	3,39%	3,91%	0,00%	3,01%	3,37%	3,55%	3,51%	3,53%	4,01%	4,37%	4,05%
Net spread	7,86%	7,38%	6,87%	0,00%	6,13%	6,14%	6,62%	6,10%	7,25%	7,70%	7,48%	7,26%
Cost / income	71,97%	74,90%	83,98%	0,00%	81,65%	87,57%	87,52%	95,80%	86,51%	80,21%	86,09%	78,53%
Cost of assets	9,81%	9,93%	11,03%	0,00%	9,53%	10,45%	11,18%	12,63%	12,23%	11,84%	13,02%	11,50%
Net assets	937 196	884 824	840 289	887 935	910 092	835 428	783 307	806 708	852 035	828 676	780 643	798 618
Average equity	403 499	377 326	380 140	374 364	381 199	376 106	377 710	381 274	379 543	367 574	367 475	372 817
Average % assets	836 968	792 955	724 011	782 369	790 864	713 161	658 286	658 312	707 606	685 354	627 607	640 103
Average % liabilities	512 420	482 199	434 042	488 101	501 022	433 109	378 757	398 913	448 420	437 965	393 997	407 036
NII	18 952	17 257	15 280	13 937	14 298	13 310	13 373	12 311	15 121	15 682	14 282	13 975
NCI	6 945	6 236	6 080	6 002	6 339	5 864	5 584	7 126	7 760	7 113	7 178	7 341
NCI / NII	36,6%	36,1%	39,8%	43,1%	44,3%	44,1%	41,8%	57,9%	51,3%	45,4%	50,3%	52,5%

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.