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Central Bank of Russia registration number: 1329  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	2,77%	3,18%	3,71%	0,00%	-2,42%	-2,17%	-4,04%	-1,41%	1,36%	0,82%	0,00%	-6,05%
RoE	16,04%	18,12%	21,59%	0,00%	-15,24%	-14,09%	-27,12%	-9,14%	8,83%	6,28%	0,04%	-50,71%
Leverage cap. adequacy	5,8 / 17,3%	5,7 / 17,6%	5,8 / 17,2%	6,1 / 16,3%	6,3 / 15,9%	6,5 / 15,4%	6,7 / 14,9%	6,5 / 15,4%	6,5 / 15,4%	7,6 / 13,1%	7,9 / 12,7%	8,4 / 11,9%
NIM	5,54%	5,74%	5,16%	0,00%	3,16%	2,26%	1,28%	0,54%	5,17%	5,29%	7,17%	2,66%
Return on assets	9,41%	9,68%	9,48%	0,00%	9,29%	9,05%	8,98%	8,11%	12,64%	13,38%	15,20%	9,64%
Cost of liabilities	4,88%	4,83%	4,55%	0,00%	6,46%	6,57%	6,63%	6,86%	7,56%	7,38%	6,69%	6,31%
Net spread	4,53%	4,85%	4,93%	0,00%	2,83%	2,48%	2,35%	1,25%	5,08%	6,00%	8,51%	3,33%
Cost / income	72,21%	66,01%	57,50%	0,00%	147,61%	156,27%	174,75%	142,71%	119,13%	139,29%	188,26%	0,00%
Cost of assets	9,39%	9,92%	8,15%	0,00%	11,68%	11,86%	13,42%	12,12%	11,89%	10,80%	10,72%	9,83%
Net assets	8 928 377	8 676 287	8 856 653	8 986 195	9 024 178	9 472 691	9 977 396	10 120 572	9 647 849	9 656 300	9 938 285	9 877 015
Average equity	1 545 273	1 525 655	1 523 149	1 463 087	1 434 798	1 459 338	1 488 104	1 563 610	1 490 529	1 269 251	1 261 334	1 179 219
Average % assets	7 482 512	7 091 549	7 167 315	7 308 109	7 167 439	7 351 236	7 107 567	7 675 886	7 439 618	7 791 337	8 034 977	8 343 787
Average % liabilities	7 004 594	6 781 448	6 943 251	7 091 353	7 160 875	7 582 547	7 997 434	8 108 683	7 772 347	8 026 372	8 387 874	8 443 039
NII	414 996	305 739	184 938	87 869	226 937	125 142	45 718	10 365	384 831	309 480	288 291	55 687
NCI	169 262	108 577	57 218	22 102	124 775	91 334	66 513	33 728	124 796	113 699	69 651	28 403
NCI / NII	40,8%	35,5%	30,9%	25,2%	55,0%	73,0%	145,5%	325,4%	32,4%	36,7%	24,2%	51,0%

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	1,81%	1,97%	-1,09%	0,00%	-2,85%	2,00%	-6,65%	-1,41%	2,98%	2,46%	6,02%	-6,05%
RoE	10,51%	11,23%	-6,35%	0,00%	-17,95%	13,02%	-44,63%	-9,14%	19,30%	18,76%	47,49%	-50,71%
Leverage cap. adequacy	5,8 / 17,3%	5,7 / 17,6%	5,8 / 17,2%	6,1 / 16,3%	6,3 / 15,9%	6,5 / 15,4%	6,7 / 14,9%	6,5 / 15,4%	6,5 / 15,4%	7,6 / 13,1%	7,9 / 12,7%	8,4 / 11,9%
NIM	5,84%	6,81%	5,41%	0,00%	5,68%	4,32%	1,98%	0,54%	4,05%	1,08%	11,57%	2,66%
Return on assets	10,09%	9,88%	9,80%	0,00%	9,34%	9,77%	9,21%	8,11%	8,54%	8,80%	20,38%	9,64%
Cost of liabilities	5,47%	5,19%	4,53%	0,00%	4,99%	5,72%	6,30%	6,86%	7,36%	8,15%	7,04%	6,31%
Net spread	4,62%	4,69%	5,27%	0,00%	4,35%	4,05%	2,91%	1,25%	1,18%	0,65%	13,34%	3,33%
Cost / income	99,25%	80,86%	107,54%	0,00%	123,36%	122,72%	222,25%	142,71%	88,44%	89,30%	82,49%	0,00%
Cost of assets	9,63%	13,29%	8,18%	0,00%	10,27%	9,92%	13,75%	12,12%	14,00%	10,27%	11,41%	9,83%
Net assets	8 928 377	8 676 287	8 856 653	8 986 195	9 024 178	9 472 691	9 977 396	10 120 572	9 647 849	9 656 300	9 938 285	9 877 015
Average equity	1 545 273	1 525 655	1 523 149	1 463 087	1 434 798	1 459 338	1 488 104	1 563 610	1 490 529	1 269 251	1 261 334	1 179 219
Average % assets	7 482 512	7 091 549	7 167 315	7 308 109	7 167 439	7 351 236	7 107 567	7 675 886	7 439 618	7 791 337	8 034 977	8 343 787
Average % liabilities	7 004 594	6 781 448	6 943 251	7 091 353	7 160 875	7 582 547	7 997 434	8 108 683	7 772 347	8 026 372	8 387 874	8 443 039
NII	109 257	120 801	97 069	87 869	101 795	79 424	35 353	10 365	75 351	21 189	232 604	55 687
NCI	60 685	51 359	35 116	22 102	33 441	24 821	32 785	33 728	11 097	44 048	41 248	28 403
NCI / NII	55,5%	42,5%	36,2%	25,2%	32,9%	31,3%	92,7%	325,4%	14,7%	207,9%	17,7%	51,0%

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.