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Central Bank of Russia registration number: 101  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	0,57%	0,16%	0,11%	0,00%	0,61%	0,90%	0,40%	2,22%	1,35%	0,28%	1,02%	0,82%
RoE	5,51%	1,70%	1,16%	0,00%	6,19%	9,26%	4,06%	22,65%	16,44%	5,29%	17,78%	13,22%
Leverage cap. adequacy	9,6 / 10,4%	10,6 / 9,4%	10,1 / 9,9%	10,0 / 10,0%	10,0 / 10,0%	10,2 / 9,8%	10,1 / 9,9%	10,2 / 9,8%	12,2 / 8,2%	18,7 / 5,3%	17,3 / 5,8%	16,0 / 6,2%
NIM	2,69%	2,36%	1,97%	0,00%	0,86%	0,57%	0,46%	0,12%	2,64%	2,66%	2,91%	3,28%
Return on assets	4,49%	4,13%	3,99%	0,00%	4,25%	4,31%	4,45%	4,67%	5,58%	5,80%	6,36%	6,92%
Cost of liabilities	1,44%	1,34%	1,51%	0,00%	2,27%	2,31%	2,61%	2,53%	2,90%	2,96%	3,02%	3,14%
Net spread	3,05%	2,79%	2,48%	0,00%	1,98%	2,00%	1,84%	2,14%	2,68%	2,84%	3,34%	3,78%
Cost / income	91,09%	96,91%	101,34%	0,00%	101,51%	104,59%	123,53%	126,26%	72,42%	95,47%	81,61%	122,96%
Cost of assets	3,98%	3,99%	4,08%	0,00%	4,11%	3,90%	3,71%	2,81%	3,84%	3,83%	3,68%	3,57%
Net assets	74 685 665	73 481 313	69 788 741	71 308 157	71 086 484	71 248 456	70 115 896	70 393 379	70 799 780	70 267 404	68 265 988	61 825 320
Average equity	7 801 578	6 910 999	6 887 661	7 103 624	7 113 264	6 983 681	6 953 989	6 915 216	5 812 745	3 758 785	3 946 673	3 857 427
Average % assets	58 912 516	56 182 406	52 822 958	53 358 395	55 301 964	54 890 864	54 745 259	57 974 039	62 156 597	60 771 424	54 771 409	48 656 482
Average % liabilities	65 822 538	66 408 628	62 782 031	63 904 065	63 680 717	63 907 301	62 716 656	63 253 359	64 126 514	65 192 233	63 435 463	57 050 179
NII	1 588 684	994 524	522 039	222 945	479 554	237 325	127 636	17 748	1 645 715	1 216 449	797 210	399 526
NCI	1 624 943	1 101 992	726 161	263 106	1 283 722	862 729	507 808	227 965	397 034	380 258	209 496	42 918
NCI / NII	102,3%	110,8%	139,1%	118,0%	267,7%	363,5%	397,9%	1 284,5%	24,1%	31,3%	26,3%	10,7%

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	1,83%	0,26%	-0,05%	0,00%	-0,25%	1,93%	-1,42%	2,22%	4,55%	-1,14%	1,30%	0,82%
RoE	17,53%	2,79%	-0,58%	0,00%	-2,51%	19,69%	-14,40%	22,65%	55,52%	-21,44%	22,64%	13,22%
Leverage cap. adequacy	9,6 / 10,4%	10,6 / 9,4%	10,1 / 9,9%	10,0 / 10,0%	10,0 / 10,0%	10,2 / 9,8%	10,1 / 9,9%	10,2 / 9,8%	12,2 / 8,2%	18,7 / 5,3%	17,3 / 5,8%	16,0 / 6,2%
NIM	4,03%	3,36%	2,26%	0,00%	1,75%	0,79%	0,80%	0,12%	2,76%	2,75%	2,90%	3,28%
Return on assets	6,15%	4,90%	4,04%	0,00%	4,17%	4,04%	3,96%	4,67%	5,31%	5,94%	6,58%	6,92%
Cost of liabilities	1,72%	1,16%	1,49%	0,00%	2,13%	1,81%	2,66%	2,53%	2,58%	3,00%	3,23%	3,14%
Net spread	4,43%	3,74%	2,55%	0,00%	2,04%	2,23%	1,30%	2,14%	2,73%	2,94%	3,35%	3,78%
Cost / income	79,11%	89,85%	93,55%	0,00%	94,79%	82,85%	121,76%	126,26%	43,50%	124,13%	65,05%	122,96%
Cost of assets	4,52%	4,28%	4,86%	0,00%	4,82%	4,32%	4,43%	2,81%	4,09%	4,88%	4,19%	3,57%
Net assets	74 685 665	73 481 313	69 788 741	71 308 157	71 086 484	71 248 456	70 115 896	70 393 379	70 799 780	70 267 404	68 265 988	61 825 320
Average equity	7 801 578	6 910 999	6 887 661	7 103 624	7 113 264	6 983 681	6 953 989	6 915 216	5 812 745	3 758 785	3 946 673	3 857 427
Average % assets	58 912 516	56 182 406	52 822 958	53 358 395	55 301 964	54 890 864	54 745 259	57 974 039	62 156 597	60 771 424	54 771 409	48 656 482
Average % liabilities	65 822 538	66 408 628	62 782 031	63 904 065	63 680 717	63 907 301	62 716 656	63 253 359	64 126 514	65 192 233	63 435 463	57 050 179
NII	594 160	472 485	299 094	222 945	242 229	109 689	109 888	17 748	429 266	419 239	397 684	399 526
NCI	522 951	375 831	463 055	263 106	420 993	354 921	279 843	227 965	16 776	170 762	166 578	42 918
NCI / NII	88,0%	79,5%	154,8%	118,0%	173,8%	323,6%	254,7%	1 284,5%	3,9%	40,7%	41,9%	10,7%

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.