Mailing list archive

	KOSTROMASELKOMBANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 1115

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	1,00%	1,12%	0,61%	0,00%	0,12%	0,36%	0,09%	0,45%	0,18%	-1,09%	0,08%	0,71%
RoE	8,10%	9,24%	4,89%	0,00%	1,01%	2,97%	0,74%	3,86%	1,64%	-9,45%	0,66%	6,04%
Leverage cap. adequacy	8,1 / 12,4%	8,2 / 12,1%	8,0 / 12,6%	8,0 / 12,6%	8,2 / 12,2%	8,2 / 12,1%	8,2 / 12,2%	8,5 / 11,8%	8,7 / 11,4%	8,6 / 11,6%	8,1 / 12,3%	8,5 / 11,8%
NIM	3,98%	3,71%	3,51%	0,00%	2,89%	2,84%	3,01%	2,91%	8,13%	10,20%	13,31%	18,67%
Return on assets	7,74%	7,47%	7,35%	0,00%	7,68%	7,81%	8,26%	8,26%	10,47%	11,54%	12,43%	14,84%
Cost of liabilities	4,21%	4,22%	4,40%	0,00%	5,12%	5,30%	5,62%	5,68%	6,09%	6,36%	6,32%	6,05%
Net spread	3,53%	3,25%	2,95%	0,00%	2,56%	2,51%	2,64%	2,58%	4,38%	5,18%	6,11%	8,79%
Cost / income	94,13%	93,18%	95,49%	0,00%	213,69%	164,79%	195,78%	1481,49%	44,81%	36,38%	29,63%	18,00%
Cost of assets	5,34%	5,23%	5,29%	0,00%	5,44%	5,54%	5,24%	4,06%	4,99%	5,03%	5,05%	4,09%
Net assets	2 256 462	2 215 235	2 130 292	2 092 200	2 141 673	2 148 985	2 118 303	2 199 616	2 123 531	2 041 179	2 105 478	2 229 942
Average equity	278 891	268 769	267 785	263 135	261 183	261 053	258 356	259 099	242 909	237 267	259 565	263 134
Average % assets	2 182 257	2 144 641	2 058 318	2 032 511	2 070 232	2 082 331	2 065 227	2 147 565	2 068 371	1 973 454	2 005 949	2 103 556
Average % liabilities	1 969 172	1 937 583	1 853 798	1 821 209	1 869 760	1 874 816	1 849 641	1 932 442	1 871 954	1 796 334	1 839 063	1 960 494
NII	86 953	59 799	36 209	17 320	59 869	44 415	31 156	15 628	168 167	150 978	133 556	98 226
NCI	33 182	24 233	15 275	7 323	32 918	23 526	14 665	7 695	35 885	25 836	16 665	8 336
NCI / NII	38,2%	40,5%	42,2%	42,3%	55,0%	53,0%	47,1%	49,2%	21,3%	17,1%	12,5%	8,5%

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	0,70%	2,18%	1,23%	0,00%	-0,59%	0,90%	-0,29%	0,45%	3,92%	-3,46%	-0,59%	0,71%
RoE	5,67%	17,97%	9,78%	0,00%	-4,85%	7,43%	-2,37%	3,86%	34,31%	-29,84%	-4,78%	6,04%
Leverage cap. adequacy	8,1 / 12,4%	8,2 / 12,1%	8,0 / 12,6%	8,0 / 12,6%	8,2 / 12,2%	8,2 / 12,1%	8,2 / 12,2%	8,5 / 11,8%	8,7 / 11,4%	8,6 / 11,6%	8,1 / 12,3%	8,5 / 11,8%
NIM	4,97%	4,39%	3,67%	0,00%	2,98%	2,54%	3,00%	2,91%	3,32%	3,53%	7,04%	18,67%
Return on assets	8,93%	8,31%	7,69%	0,00%	7,15%	7,04%	7,93%	8,26%	8,84%	9,35%	9,30%	14,84%
Cost of liabilities	4,40%	4,22%	4,42%	0,00%	4,53%	4,81%	5,32%	5,68%	6,08%	6,14%	6,18%	6,05%
Net spread	4,53%	4,09%	3,27%	0,00%	2,62%	2,23%	2,61%	2,58%	2,76%	3,21%	3,12%	8,79%
Cost / income	96,64%	89,26%	108,07%	0,00%	5384,00%	130,71%	123,63%	1481,49%	106,77%	74,13%	57,87%	18,00%
Cost of assets	6,03%	5,58%	6,28%	0,00%	5,14%	6,28%	6,27%	4,06%	5,70%	4,66%	5,75%	4,09%
Net assets	2 256 462	2 215 235	2 130 292	2 092 200	2 141 673	2 148 985	2 118 303	2 199 616	2 123 531	2 041 179	2 105 478	2 229 942
Average equity	278 891	268 769	267 785	263 135	261 183	261 053	258 356	259 099	242 909	237 267	259 565	263 134
Average % assets	2 182 257	2 144 641	2 058 318	2 032 511	2 070 232	2 082 331	2 065 227	2 147 565	2 068 371	1 973 454	2 005 949	2 103 556
Average % liabilities	1 969 172	1 937 583	1 853 798	1 821 209	1 869 760	1 874 816	1 849 641	1 932 442	1 871 954	1 796 334	1 839 063	1 960 494
NII	27 154	23 590	18 889	17 320	15 454	13 259	15 528	15 628	17 189	17 422	35 330	98 226
NCI	8 949	8 958	7 952	7 323	9 392	8 861	6 970	7 695	10 049	9 171	8 329	8 336
NCI / NII	33,0%	38,0%	42,1%	42,3%	60,8%	66,8%	44,9%	49,2%	58,5%	52,6%	23,6%	8,5%

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.