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Central Bank of Russia registration number: 52  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	0,00%	0,00%	0,00%	0,00%	3,34%	3,67%	3,47%	2,80%	6,79%	6,94%	7,77%	8,66%
RoE	0,00%	0,00%	0,00%	0,00%	28,86%	30,35%	26,25%	17,23%	37,28%	37,29%	40,14%	50,00%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	7,1 / 14,1%	6,6 / 15,1%	8,6 / 11,6%	8,3 / 12,1%	7,6 / 13,2%	6,1 / 16,3%	5,5 / 18,2%	5,4 / 18,6%	5,2 / 19,4%	5,8 / 17,3%
NIM	0,00%	0,00%	0,00%	0,00%	9,26%	8,39%	9,20%	11,16%	8,13%	8,45%	8,95%	7,75%
Return on assets	0,00%	0,00%	0,00%	0,00%	12,38%	12,43%	13,27%	14,73%	10,81%	11,83%	12,20%	11,26%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	5,03%	4,99%	5,32%	5,80%	4,30%	4,54%	4,46%	4,26%
Net spread	0,00%	0,00%	0,00%	0,00%	7,35%	7,44%	7,95%	8,93%	6,51%	7,29%	7,74%	7,00%
Cost / income	0,00%	0,00%	0,00%	0,00%	34,47%	40,35%	42,03%	39,01%	47,74%	51,39%	52,51%	55,61%
Cost of assets	0,00%	0,00%	0,00%	0,00%	4,25%	4,42%	5,07%	6,38%	7,61%	9,32%	10,51%	10,30%
Net assets	0	0	19 276 607	18 866 166	17 647 238	16 743 047	14 326 637	11 294 499	9 276 073	7 922 497	7 363 363	7 428 393
Average equity	0	0	2 709 452	2 856 801	2 047 908	2 026 516	1 894 478	1 839 103	1 690 576	1 476 030	1 426 722	1 287 616
Average % assets	0	0	19 278 630	18 436 984	17 666 822	16 237 110	13 728 991	10 659 506	8 670 791	7 160 205	6 464 156	6 455 817
Average % liabilities	0	0	15 852 879	15 278 260	14 818 655	14 139 994	11 907 293	9 049 522	7 369 893	6 271 667	5 797 270	6 039 837
NII	0	0	0	487 298	1 636 243	1 022 230	631 781	297 543	705 755	454 258	289 330	125 155
NCI	0	0	0	42 012	244 184	192 908	135 628	77 588	368 292	273 737	179 610	88 700
NCI / NII	-	-	-	8,6%	14,9%	18,9%	21,5%	26,1%	52,2%	60,3%	62,1%	70,9%

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	0,00%	0,00%	-3,56%	0,00%	2,94%	5,07%	4,73%	2,80%	9,37%	6,38%	6,80%	8,66%
RoE	0,00%	0,00%	-25,34%	0,00%	25,34%	41,96%	35,78%	17,23%	51,44%	34,27%	35,14%	50,00%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	7,1 / 14,1%	6,6 / 15,1%	8,6 / 11,6%	8,3 / 12,1%	7,6 / 13,2%	6,1 / 16,3%	5,5 / 18,2%	5,4 / 18,6%	5,2 / 19,4%	5,8 / 17,3%
NIM	0,00%	0,00%	0,00%	0,00%	13,90%	9,61%	9,73%	11,16%	11,60%	9,21%	10,15%	7,75%
Return on assets	0,00%	0,00%	0,00%	0,00%	15,27%	14,84%	15,11%	14,73%	13,95%	13,45%	13,15%	11,26%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	5,85%	6,02%	6,23%	5,80%	5,60%	5,37%	4,49%	4,26%
Net spread	0,00%	0,00%	0,00%	0,00%	9,42%	8,82%	8,88%	8,93%	8,35%	8,08%	8,66%	7,00%
Cost / income	0,00%	0,00%	31,46%	0,00%	24,54%	37,64%	45,32%	39,01%	40,00%	49,28%	49,83%	55,61%
Cost of assets	0,00%	0,00%	-3,84%	0,00%	4,51%	4,73%	5,23%	6,38%	8,18%	9,32%	10,70%	10,30%
Net assets	0	0	19 276 607	18 866 166	17 647 238	16 743 047	14 326 637	11 294 499	9 276 073	7 922 497	7 363 363	7 428 393
Average equity	0	0	2 709 452	2 856 801	2 047 908	2 026 516	1 894 478	1 839 103	1 690 576	1 476 030	1 426 722	1 287 616
Average % assets	0	0	19 278 630	18 436 984	17 666 822	16 237 110	13 728 991	10 659 506	8 670 791	7 160 205	6 464 156	6 455 817
Average % liabilities	0	0	15 852 879	15 278 260	14 818 655	14 139 994	11 907 293	9 049 522	7 369 893	6 271 667	5 797 270	6 039 837
NII	0	0	0	487 298	614 013	390 449	334 238	297 543	251 497	164 928	164 175	125 155
NCI	0	0	0	42 012	51 276	57 280	58 040	77 588	94 555	94 127	90 910	88 700
NCI / NII	-	-	-	8,6%	8,4%	14,7%	17,4%	26,1%	37,6%	57,1%	55,4%	70,9%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.