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Central Bank of Russia registration number: 600  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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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	2,63%	2,23%	2,57%	0,00%	1,88%	2,32%	2,35%	2,23%	3,08%	2,48%	2,89%	3,49%
RoE	21,27%	17,30%	18,84%	0,00%	14,58%	17,90%	20,58%	18,58%	22,56%	18,57%	24,03%	31,35%
Leverage cap. adequacy	8,1 / 12,4%	7,8 / 12,9%	7,3 / 13,7%	7,5 / 13,4%	7,7 / 12,9%	7,7 / 13,0%	8,7 / 11,5%	8,3 / 12,0%	7,3 / 13,7%	7,5 / 13,4%	8,3 / 12,1%	9,0 / 11,1%
NIM	7,22%	7,86%	6,63%	0,00%	7,34%	7,42%	5,76%	4,83%	7,40%	7,82%	7,57%	7,55%
Return on assets	8,86%	8,84%	8,45%	0,00%	9,07%	8,97%	8,45%	8,85%	12,28%	12,92%	12,49%	12,19%
Cost of liabilities	3,19%	3,02%	3,00%	0,00%	3,91%	4,30%	4,29%	4,59%	5,49%	5,56%	5,23%	4,80%
Net spread	5,67%	5,82%	5,45%	0,00%	5,16%	4,67%	4,16%	4,26%	6,79%	7,36%	7,26%	7,39%
Cost / income	50,18%	43,92%	54,55%	0,00%	50,08%	49,42%	55,43%	64,13%	48,94%	47,72%	43,30%	40,39%
Cost of assets	4,64%	4,45%	4,56%	0,00%	4,03%	3,95%	3,84%	4,57%	4,84%	4,98%	4,49%	4,01%
Net assets	35 050 613	34 548 069	34 133 012	37 444 016	37 089 124	36 379 486	38 863 132	36 993 178	33 280 520	33 576 852	35 961 774	38 501 001
Average equity	4 349 844	4 456 309	4 664 255	5 006 548	4 792 304	4 715 814	4 452 678	4 456 749	4 546 995	4 492 784	4 335 877	4 286 276
Average % assets	28 899 419	28 321 214	27 952 061	30 745 777	32 493 651	32 846 098	35 522 599	34 029 564	29 983 166	29 629 776	31 619 595	33 011 389
Average % liabilities	30 125 519	29 579 318	28 946 571	31 866 778	31 772 712	31 152 941	33 848 335	31 994 349	28 271 719	28 610 268	31 169 306	33 747 378
NII	2 089 065	1 670 957	927 901	442 632	2 385 873	1 828 821	1 023 306	411 076	2 219 171	1 739 176	1 197 697	623 598
NCI	326 149	247 017	153 946	71 797	252 110	182 442	111 354	79 364	309 195	232 634	158 897	74 139
NCI / NII	15,6%	14,8%	16,6%	16,2%	10,6%	10,0%	10,9%	19,3%	13,9%	13,4%	13,3%	11,9%

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	3,95%	1,61%	2,05%	0,00%	0,71%	1,92%	2,58%	2,23%	4,80%	1,24%	2,05%	3,49%
RoE	31,89%	12,48%	15,01%	0,00%	5,50%	14,83%	22,57%	18,58%	35,19%	9,32%	17,07%	31,35%
Leverage cap. adequacy	8,1 / 12,4%	7,8 / 12,9%	7,3 / 13,7%	7,5 / 13,4%	7,7 / 12,9%	7,7 / 13,0%	8,7 / 11,5%	8,3 / 12,0%	7,3 / 13,7%	7,5 / 13,4%	8,3 / 12,1%	9,0 / 11,1%
NIM	5,78%	10,49%	6,94%	0,00%	6,85%	9,80%	6,89%	4,83%	6,40%	7,30%	7,26%	7,55%
Return on assets	9,43%	9,85%	8,06%	0,00%	9,05%	8,66%	8,41%	8,85%	10,83%	12,09%	12,25%	12,19%
Cost of liabilities	3,85%	3,20%	2,89%	0,00%	3,01%	3,56%	4,25%	4,59%	5,08%	5,28%	5,26%	4,80%
Net spread	5,58%	6,65%	5,17%	0,00%	6,04%	5,10%	4,16%	4,26%	5,75%	6,81%	6,99%	7,39%
Cost / income	76,08%	31,38%	50,49%	0,00%	52,09%	39,35%	47,09%	64,13%	53,33%	58,70%	46,24%	40,39%
Cost of assets	5,48%	4,37%	4,61%	0,00%	4,19%	3,53%	3,33%	4,57%	4,57%	5,28%	4,77%	4,01%
Net assets	35 050 613	34 548 069	34 133 012	37 444 016	37 089 124	36 379 486	38 863 132	36 993 178	33 280 520	33 576 852	35 961 774	38 501 001
Average equity	4 349 844	4 456 309	4 664 255	5 006 548	4 792 304	4 715 814	4 452 678	4 456 749	4 546 995	4 492 784	4 335 877	4 286 276
Average % assets	28 899 419	28 321 214	27 952 061	30 745 777	32 493 651	32 846 098	35 522 599	34 029 564	29 983 166	29 629 776	31 619 595	33 011 389
Average % liabilities	30 125 519	29 579 318	28 946 571	31 866 778	31 772 712	31 152 941	33 848 335	31 994 349	28 271 719	28 610 268	31 169 306	33 747 378
NII	418 108	743 056	485 269	442 632	557 052	805 515	612 230	411 076	479 995	541 479	574 099	623 598
NCI	79 132	93 071	82 149	71 797	69 668	71 088	31 990	79 364	76 561	73 737	84 758	74 139
NCI / NII	18,9%	12,5%	16,9%	16,2%	12,5%	8,8%	5,2%	19,3%	16,0%	13,6%	14,8%	11,9%

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 - 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.