Mailing list archive

	ROYAL KREDIT BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 783  retail funding

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	0,27%	3,60%	3,25%	0,00%	-0,33%	1,65%	2,36%	4,58%	2,11%	4,30%	5,66%	10,23%
RoE	2,38%	28,25%	26,30%	0,00%	-3,19%	14,31%	20,97%	33,95%	13,23%	24,37%	33,64%	68,38%
Leverage cap. adequacy	8,6 / 11,6%	7,8 / 12,8%	8,1 / 12,4%	9,6 / 10,4%	9,4 / 10,6%	8,7 / 11,5%	8,9 / 11,3%	7,4 / 13,5%	6,3 / 16,0%	5,7 / 17,6%	5,9 / 16,8%	6,7 / 15,0%
NIM	4,79%	4,74%	4,48%	0,00%	8,50%	5,49%	4,79%	6,74%	13,17%	10,60%	10,92%	13,14%
Return on assets	7,19%	6,45%	5,52%	0,00%	8,21%	6,60%	6,27%	7,59%	11,31%	9,63%	9,67%	10,94%
Cost of liabilities	4,84%	4,89%	4,68%	0,00%	5,07%	5,33%	5,40%	5,74%	5,93%	6,38%	6,27%	5,97%
Net spread	2,35%	1,56%	0,84%	0,00%	3,14%	1,27%	0,87%	1,85%	5,38%	3,25%	3,40%	4,97%
Cost / income	86,44%	81,80%	77,91%	0,00%	91,31%	100,02%	103,92%	104,29%	65,50%	63,69%	60,97%	53,09%
Cost of assets	17,11%	15,47%	13,70%	0,00%	25,96%	22,38%	21,72%	28,57%	23,46%	17,90%	16,59%	15,81%
Net assets	5 427 943	5 262 584	5 498 647	5 567 035	5 398 862	5 279 431	5 402 188	5 398 739	5 007 004	4 626 236	4 600 603	4 782 061
Average equity	629 553	671 458	680 800	580 973	571 672	609 178	609 666	728 994	800 474	816 463	775 023	715 873
Average % assets	1 818 561	1 941 011	2 127 748	1 571 081	1 307 985	1 729 535	1 914 307	1 648 831	1 213 175	1 506 918	1 599 222	1 564 910
Average % liabilities	4 683 471	4 481 280	4 701 928	4 862 905	4 703 029	4 555 277	4 665 845	4 511 677	4 079 760	3 684 256	3 706 759	3 966 144
NII	87 225	69 096	47 699	27 732	111 197	71 272	45 907	27 821	159 834	119 863	87 387	51 437
NCI	238 074	182 976	125 499	58 111	218 069	158 724	105 179	53 277	203 695	147 795	94 952	46 232
NCI / NII	272,9%	264,8%	263,1%	209,5%	196,1%	222,7%	229,1%	191,5%	127,4%	123,3%	108,7%	89,9%

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	-9,37%	4,00%	-0,77%	0,00%	-6,20%	0,11%	0,15%	4,58%	-3,45%	1,63%	0,69%	10,23%
RoE	-80,86%	31,40%	-6,25%	0,00%	-58,55%	0,96%	1,35%	33,95%	-21,63%	9,24%	4,11%	68,38%
Leverage cap. adequacy	8,6 / 11,6%	7,8 / 12,8%	8,1 / 12,4%	9,6 / 10,4%	9,4 / 10,6%	8,7 / 11,5%	8,9 / 11,3%	7,4 / 13,5%	6,3 / 16,0%	5,7 / 17,6%	5,9 / 16,8%	6,7 / 15,0%
NIM	3,98%	4,40%	3,75%	0,00%	12,20%	5,86%	3,77%	6,74%	13,17%	8,62%	8,99%	13,14%
Return on assets	8,08%	7,26%	6,18%	0,00%	6,68%	5,90%	6,01%	7,59%	9,34%	8,36%	8,64%	10,94%
Cost of liabilities	5,31%	4,87%	4,63%	0,00%	4,80%	4,94%	5,24%	5,74%	6,45%	6,52%	6,16%	5,97%
Net spread	2,77%	2,39%	1,55%	0,00%	1,88%	0,96%	0,77%	1,85%	2,89%	1,84%	2,48%	4,97%
Cost / income	101,61%	90,00%	77,88%	0,00%	55,59%	91,13%	103,45%	104,29%	70,62%	69,49%	69,88%	53,09%
Cost of assets	18,85%	16,42%	14,17%	0,00%	12,38%	18,68%	18,93%	28,57%	26,38%	18,69%	17,85%	15,81%
Net assets	5 427 943	5 262 584	5 498 647	5 567 035	5 398 862	5 279 431	5 402 188	5 398 739	5 007 004	4 626 236	4 600 603	4 782 061
Average equity	629 553	671 458	680 800	580 973	571 672	609 178	609 666	728 994	800 474	816 463	775 023	715 873
Average % assets	1 818 561	1 941 011	2 127 748	1 571 081	1 307 985	1 729 535	1 914 307	1 648 831	1 213 175	1 506 918	1 599 222	1 564 910
Average % liabilities	4 683 471	4 481 280	4 701 928	4 862 905	4 703 029	4 555 277	4 665 845	4 511 677	4 079 760	3 684 256	3 706 759	3 966 144
NII	18 129	21 397	19 967	27 732	39 925	25 365	18 086	27 821	39 971	32 476	35 950	51 437
NCI	55 098	57 477	67 388	58 111	59 345	53 545	51 902	53 277	55 900	52 843	48 720	46 232
NCI / NII	303,9%	268,6%	337,5%	209,5%	148,6%	211,1%	287,0%	191,5%	139,9%	162,7%	135,5%	89,9%

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.