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Central Bank of Russia registration number: 1399

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	0,91%	1,02%	0,24%	0,00%	0,26%	0,87%	0,95%	1,63%	-1,43%	-0,87%	0,90%	3,61%
RoE	14,02%	19,26%	4,93%	0,00%	5,58%	20,15%	22,61%	40,04%	-37,48%	-18,73%	16,17%	66,77%
Leverage cap. adequacy	15,3 / 6,5%	18,8 / 5,3%	20,5 / 4,9%	20,8 / 4,8%	21,3 / 4,7%	23,1 / 4,3%	23,6 / 4,2%	24,6 / 4,1%	26,1 / 3,8%	21,4 / 4,7%	17,9 / 5,6%	18,5 / 5,4%
NIM	5,19%	5,04%	4,30%	0,00%	4,00%	3,60%	3,17%	3,17%	4,48%	4,95%	4,88%	6,40%
Return on assets	7,88%	7,74%	7,45%	0,00%	7,59%	7,20%	7,10%	7,13%	8,23%	8,56%	9,00%	10,68%
Cost of liabilities	3,60%	3,60%	3,60%	0,00%	4,33%	4,36%	4,50%	4,57%	5,17%	5,20%	5,10%	5,02%
Net spread	4,28%	4,14%	3,85%	0,00%	3,26%	2,84%	2,60%	2,56%	3,06%	3,36%	3,90%	5,66%
Cost / income	83,32%	91,88%	111,01%	0,00%	88,13%	94,51%	104,13%	103,55%	77,67%	71,27%	72,48%	63,51%
Cost of assets	5,84%	5,94%	6,22%	0,00%	4,98%	4,74%	4,77%	4,86%	4,60%	4,63%	4,83%	5,29%
Net assets	2 581 914	2 503 727	2 501 186	2 599 416	2 854 441	2 975 539	3 026 769	3 048 699	3 199 512	3 267 670	3 329 504	3 110 774
Average equity	168 412	133 446	121 808	124 708	133 940	129 064	128 030	124 088	122 722	152 533	185 719	168 265
Average % assets	2 627 419	2 553 257	2 556 367	2 670 302	2 919 709	3 075 468	3 142 305	3 170 293	3 321 338	3 283 655	3 307 719	3 110 934
Average % liabilities	2 375 274	2 330 865	2 339 949	2 436 323	2 680 409	2 802 838	2 854 210	2 885 848	3 051 934	3 089 775	3 115 743	2 913 528
NII	136 579	96 615	54 983	22 461	116 842	83 070	49 884	25 127	148 898	121 995	80 853	49 835
NCI	23 019	12 913	7 340	2 716	21 776	14 077	9 503	5 208	19 270	14 498	9 392	4 980
NCI / NII	16,9%	13,4%	13,3%	12,1%	18,6%	16,9%	19,1%	20,7%	12,9%	11,9%	11,6%	10,0%

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	0,67%	2,60%	-0,20%	0,00%	-1,68%	0,67%	0,27%	1,63%	-3,07%	-4,46%	-1,57%	3,61%
RoE	10,28%	48,78%	-4,14%	0,00%	-35,91%	15,58%	6,42%	40,04%	-80,08%	-95,58%	-28,15%	66,77%
Leverage cap. adequacy	15,3 / 6,5%	18,8 / 5,3%	20,5 / 4,9%	20,8 / 4,8%	21,3 / 4,7%	23,1 / 4,3%	23,6 / 4,2%	24,6 / 4,1%	26,1 / 3,8%	21,4 / 4,7%	17,9 / 5,6%	18,5 / 5,4%
NIM	6,08%	6,52%	5,08%	0,00%	4,62%	4,31%	3,15%	3,17%	3,24%	5,01%	3,75%	6,40%
Return on assets	8,96%	8,31%	8,25%	0,00%	7,60%	7,11%	7,01%	7,13%	7,53%	7,53%	7,97%	10,68%
Cost of liabilities	3,81%	3,58%	3,63%	0,00%	3,63%	3,93%	4,37%	4,57%	4,88%	5,31%	5,52%	5,02%
Net spread	5,15%	4,73%	4,62%	0,00%	3,97%	3,18%	2,64%	2,56%	2,65%	2,22%	2,45%	5,66%
Cost / income	66,12%	65,80%	87,99%	0,00%	73,56%	78,92%	104,76%	103,55%	106,15%	68,60%	84,88%	63,51%
Cost of assets	6,16%	5,40%	5,77%	0,00%	5,06%	4,54%	4,62%	4,86%	4,61%	4,17%	4,75%	5,29%
Net assets	2 581 914	2 503 727	2 501 186	2 599 416	2 854 441	2 975 539	3 026 769	3 048 699	3 199 512	3 267 670	3 329 504	3 110 774
Average equity	168 412	133 446	121 808	124 708	133 940	129 064	128 030	124 088	122 722	152 533	185 719	168 265
Average % assets	2 627 419	2 553 257	2 556 367	2 670 302	2 919 709	3 075 468	3 142 305	3 170 293	3 321 338	3 283 655	3 307 719	3 110 934
Average % liabilities	2 375 274	2 330 865	2 339 949	2 436 323	2 680 409	2 802 838	2 854 210	2 885 848	3 051 934	3 089 775	3 115 743	2 913 528
NII	39 964	41 632	32 522	22 461	33 772	33 186	24 757	25 127	26 903	41 142	31 018	49 835
NCI	10 106	5 573	4 624	2 716	7 699	4 574	4 295	5 208	4 772	5 106	4 412	4 980
NCI / NII	25,3%	13,4%	14,2%	12,1%	22,8%	13,8%	17,3%	20,7%	17,7%	12,4%	14,2%	10,0%

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.