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Central Bank of Russia registration number: 537

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	2,50%	2,32%	2,45%	0,00%	0,97%	0,58%	1,24%	0,97%	0,41%	0,58%	0,30%	1,72%
RoE	9,82%	9,51%	10,21%	0,00%	4,41%	2,78%	6,80%	5,37%	2,26%	3,05%	1,64%	9,65%
Leverage cap. adequacy	3,9 / 25,4%	4,1 / 24,4%	4,2 / 24,0%	4,3 / 23,1%	4,5 / 22,1%	4,8 / 20,9%	5,5 / 18,3%	5,5 / 18,2%	5,5 / 18,3%	5,3 / 19,0%	5,4 / 18,4%	5,6 / 17,8%
NIM	7,78%	7,90%	8,59%	0,00%	5,67%	5,59%	6,25%	5,91%	6,63%	7,44%	8,47%	12,18%
Return on assets	8,44%	8,09%	7,92%	0,00%	7,67%	7,54%	8,17%	8,12%	10,20%	11,25%	12,46%	16,16%
Cost of liabilities	2,74%	2,57%	2,55%	0,00%	3,32%	3,43%	3,83%	4,09%	4,49%	4,76%	4,89%	4,80%
Net spread	5,70%	5,52%	5,37%	0,00%	4,35%	4,11%	4,34%	4,03%	5,71%	6,49%	7,57%	11,36%
Cost / income	58,96%	56,81%	54,93%	0,00%	69,04%	69,35%	66,96%	67,67%	73,64%	70,76%	64,01%	45,95%
Cost of assets	5,78%	5,50%	5,54%	0,00%	5,22%	5,19%	5,52%	5,40%	6,52%	6,89%	6,98%	6,75%
Net assets	2 021 937	2 056 888	2 053 923	2 097 928	2 135 370	2 141 526	2 036 640	2 020 111	1 991 655	1 917 806	1 966 859	2 032 369
Average equity	514 528	502 433	493 691	484 185	472 844	447 911	373 121	367 065	365 293	364 546	362 327	362 553
Average % assets	1 874 498	1 921 914	1 920 436	1 977 241	2 009 304	2 033 946	1 914 120	1 915 440	1 877 412	1 801 321	1 826 251	1 868 478
Average % liabilities	1 479 580	1 527 868	1 538 929	1 596 849	1 648 340	1 653 906	1 551 861	1 541 849	1 587 010	1 536 713	1 587 388	1 653 587
NII	146 020	114 006	82 503	28 958	114 011	85 388	59 911	28 303	124 527	100 622	77 414	56 921
NCI	21 636	15 837	10 797	5 295	20 620	15 567	10 481	5 144	26 771	19 309	12 850	6 158
NCI / NII	14,8%	13,9%	13,1%	18,3%	18,1%	18,2%	17,5%	18,2%	21,5%	19,2%	16,6%	10,8%

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	2,90%	2,07%	2,40%	0,00%	2,16%	-0,62%	1,52%	0,97%	-0,01%	1,11%	-1,17%	1,72%
RoE	11,42%	8,48%	10,01%	0,00%	9,76%	-2,98%	8,32%	5,37%	-0,06%	5,88%	-6,37%	9,65%
Leverage cap. adequacy	3,9 / 25,4%	4,1 / 24,4%	4,2 / 24,0%	4,3 / 23,1%	4,5 / 22,1%	4,8 / 20,9%	5,5 / 18,3%	5,5 / 18,2%	5,5 / 18,3%	5,3 / 19,0%	5,4 / 18,4%	5,6 / 17,8%
NIM	6,83%	6,55%	11,15%	0,00%	5,69%	5,01%	6,60%	5,91%	5,09%	5,15%	4,48%	12,18%
Return on assets	8,88%	8,45%	7,95%	0,00%	7,77%	7,26%	8,22%	8,12%	8,40%	8,49%	8,39%	16,16%
Cost of liabilities	2,97%	2,58%	2,48%	0,00%	2,96%	3,11%	3,59%	4,09%	4,12%	4,18%	4,77%	4,80%
Net spread	5,91%	5,87%	5,47%	0,00%	4,81%	4,15%	4,63%	4,03%	4,28%	4,31%	3,62%	11,36%
Cost / income	65,80%	61,04%	47,09%	0,00%	68,14%	74,53%	66,30%	67,67%	84,45%	91,89%	104,65%	45,95%
Cost of assets	6,19%	5,45%	5,76%	0,00%	5,17%	5,27%	5,65%	5,40%	6,30%	6,50%	7,02%	6,75%
Net assets	2 021 937	2 056 888	2 053 923	2 097 928	2 135 370	2 141 526	2 036 640	2 020 111	1 991 655	1 917 806	1 966 859	2 032 369
Average equity	514 528	502 433	493 691	484 185	472 844	447 911	373 121	367 065	365 293	364 546	362 327	362 553
Average % assets	1 874 498	1 921 914	1 920 436	1 977 241	2 009 304	2 033 946	1 914 120	1 915 440	1 877 412	1 801 321	1 826 251	1 868 478
Average % liabilities	1 479 580	1 527 868	1 538 929	1 596 849	1 648 340	1 653 906	1 551 861	1 541 849	1 587 010	1 536 713	1 587 388	1 653 587
NII	32 014	31 503	53 545	28 958	28 623	25 477	31 608	28 303	23 905	23 208	20 493	56 921
NCI	5 799	5 040	5 502	5 295	5 053	5 086	5 337	5 144	7 462	6 459	6 692	6 158
NCI / NII	18,1%	16,0%	10,3%	18,3%	17,7%	20,0%	16,9%	18,2%	31,2%	27,8%	32,7%	10,8%

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.