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Central Bank of Russia registration number: 478  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	0,71%	0,56%	0,56%	0,00%	-0,25%	-0,24%	-0,50%	0,36%	0,90%	1,18%	0,72%	2,07%
RoE	1,99%	1,68%	1,87%	0,00%	-0,97%	-0,97%	-2,17%	1,59%	3,92%	5,35%	3,31%	9,69%
Leverage cap. adequacy	2,8 / 35,6%	3,0 / 33,5%	3,3 / 30,2%	3,5 / 28,3%	3,8 / 26,6%	4,1 / 24,6%	4,3 / 23,5%	4,4 / 22,6%	4,3 / 23,0%	4,5 / 22,2%	4,6 / 21,8%	4,7 / 21,5%
NIM	5,04%	4,83%	4,40%	0,00%	3,09%	3,03%	2,89%	2,62%	4,07%	4,41%	4,88%	6,54%
Return on assets	7,87%	7,57%	7,06%	0,00%	6,68%	6,76%	6,67%	6,29%	7,87%	8,04%	8,40%	9,98%
Cost of liabilities	4,21%	3,84%	3,41%	0,00%	4,25%	4,12%	4,16%	4,29%	4,47%	4,33%	4,14%	3,81%
Net spread	3,66%	3,73%	3,65%	0,00%	2,43%	2,64%	2,51%	2,00%	3,40%	3,71%	4,26%	6,17%
Cost / income	85,18%	82,59%	87,77%	0,00%	107,60%	102,59%	105,28%	107,10%	81,59%	71,43%	61,80%	45,92%
Cost of assets	5,05%	4,65%	4,43%	0,00%	4,05%	3,76%	3,63%	3,45%	3,81%	3,60%	3,41%	3,34%
Net assets	3 665 361	3 873 344	4 281 002	4 562 781	4 865 214	5 188 235	5 404 597	5 626 413	5 521 587	5 630 907	5 713 547	5 735 572
Average equity	1 303 360	1 299 298	1 293 365	1 290 673	1 294 543	1 276 676	1 268 547	1 273 948	1 271 283	1 249 765	1 244 235	1 230 565
Average % assets	3 383 856	3 485 093	3 712 929	3 752 921	4 117 822	4 188 069	4 428 965	4 987 525	5 061 391	5 185 443	5 227 649	4 928 821
Average % liabilities	2 268 277	2 476 109	2 887 595	3 168 785	3 468 472	3 787 652	4 017 577	4 266 585	4 237 722	4 370 443	4 459 302	4 497 297
NII	170 859	126 508	81 798	37 164	127 544	95 310	64 017	32 749	206 502	171 609	127 812	80 678
NCI	17 057	11 601	6 946	3 097	14 206	9 647	6 414	3 374	13 739	10 431	6 635	2 949
NCI / NII	10,0%	9,2%	8,5%	8,3%	11,1%	10,1%	10,0%	10,3%	6,7%	6,1%	5,2%	3,7%

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	3 Q 2020	2 Q 2020	1 Q 2020	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	1,05%	0,44%	0,52%	0,00%	-0,26%	0,34%	-1,39%	0,36%	-0,02%	2,09%	-0,64%	2,07%
RoE	2,95%	1,32%	1,73%	0,00%	-1,00%	1,38%	-5,94%	1,59%	-0,09%	9,45%	-2,94%	9,69%
Leverage cap. adequacy	2,8 / 35,6%	3,0 / 33,5%	3,3 / 30,2%	3,5 / 28,3%	3,8 / 26,6%	4,1 / 24,6%	4,3 / 23,5%	4,4 / 22,6%	4,3 / 23,0%	4,5 / 22,2%	4,6 / 21,8%	4,7 / 21,5%
NIM	5,24%	5,13%	4,80%	0,00%	3,13%	2,98%	2,82%	2,62%	2,75%	3,37%	3,60%	6,54%
Return on assets	8,10%	7,65%	7,30%	0,00%	6,09%	6,16%	6,26%	6,29%	6,74%	7,20%	7,38%	9,98%
Cost of liabilities	4,27%	3,56%	3,19%	0,00%	3,51%	3,52%	3,77%	4,29%	4,48%	4,55%	4,43%	3,81%
Net spread	3,83%	4,09%	4,11%	0,00%	2,58%	2,64%	2,49%	2,00%	2,26%	2,65%	2,95%	6,17%
Cost / income	92,36%	73,42%	85,70%	0,00%	121,84%	97,23%	103,25%	107,10%	129,76%	98,40%	87,66%	45,92%
Cost of assets	5,80%	4,48%	4,80%	0,00%	4,78%	3,56%	3,38%	3,45%	4,22%	3,91%	3,69%	3,34%
Net assets	3 665 361	3 873 344	4 281 002	4 562 781	4 865 214	5 188 235	5 404 597	5 626 413	5 521 587	5 630 907	5 713 547	5 735 572
Average equity	1 303 360	1 299 298	1 293 365	1 290 673	1 294 543	1 276 676	1 268 547	1 273 948	1 271 283	1 249 765	1 244 235	1 230 565
Average % assets	3 383 856	3 485 093	3 712 929	3 752 921	4 117 822	4 188 069	4 428 965	4 987 525	5 061 391	5 185 443	5 227 649	4 928 821
Average % liabilities	2 268 277	2 476 109	2 887 595	3 168 785	3 468 472	3 787 652	4 017 577	4 266 585	4 237 722	4 370 443	4 459 302	4 497 297
NII	44 351	44 710	44 634	37 164	32 234	31 293	31 268	32 749	34 893	43 797	47 134	80 678
NCI	5 456	4 655	3 849	3 097	4 559	3 233	3 040	3 374	3 308	3 796	3 686	2 949
NCI / NII	12,3%	10,4%	8,6%	8,3%	14,1%	10,3%	9,7%	10,3%	9,5%	8,7%	7,8%	3,7%

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.