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Central Bank of Russia registration number: 1680  foreign-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	0,80%	0,62%	0,50%	0,00%	0,35%	0,23%	0,15%	-0,33%	0,38%	0,08%	0,23%	0,21%
RoE	5,81%	5,31%	4,27%	0,00%	3,40%	1,91%	1,52%	-3,66%	3,69%	0,85%	2,17%	2,04%
Leverage cap. adequacy	7,3 / 13,8%	8,5 / 11,8%	8,5 / 11,7%	9,9 / 10,1%	9,5 / 10,5%	8,2 / 12,2%	9,8 / 10,3%	10,9 / 9,2%	9,6 / 10,4%	9,7 / 10,3%	9,1 / 10,9%	9,3 / 10,7%
NIM	1,42%	1,39%	1,01%	0,00%	0,97%	0,93%	0,57%	0,37%	1,53%	1,74%	2,19%	2,63%
Return on assets	5,57%	4,66%	4,06%	0,00%	3,95%	4,49%	4,10%	4,65%	6,06%	6,24%	7,17%	7,46%
Cost of liabilities	4,34%	3,41%	3,29%	0,00%	3,01%	3,73%	3,66%	4,46%	4,57%	4,59%	4,85%	4,94%
Net spread	1,23%	1,25%	0,77%	0,00%	0,94%	0,76%	0,44%	0,19%	1,49%	1,65%	2,32%	2,52%
Cost / income	66,80%	70,73%	76,41%	0,00%	78,42%	84,74%	89,08%	103,54%	82,31%	90,47%	84,90%	78,47%
Cost of assets	3,05%	2,42%	2,44%	0,00%	2,22%	2,52%	2,24%	2,35%	2,96%	2,87%	3,12%	2,80%
Net assets	54 141 474	61 824 516	61 004 321	71 788 854	67 900 943	57 739 880	64 162 745	59 741 005	51 923 469	52 454 454	49 919 728	52 356 011
Average equity	7 460 755	7 289 397	7 164 353	7 216 658	7 159 729	7 067 505	6 576 689	5 502 716	5 419 143	5 390 760	5 462 673	5 605 259
Average % assets	45 295 384	54 087 253	54 798 941	64 845 892	57 450 849	49 353 180	55 774 319	53 319 358	44 596 734	45 522 773	40 725 185	44 907 938
Average % liabilities	43 523 578	51 936 522	50 961 912	61 492 763	57 160 757	47 565 511	54 456 666	51 502 761	44 576 806	45 021 337	42 295 991	44 430 556
NII	646 565	565 680	278 316	83 377	559 281	347 429	160 413	49 512	683 732	597 389	447 927	295 936
NCI	296 271	212 068	152 277	89 121	245 421	158 715	90 719	50 022	205 787	143 079	92 353	43 978
NCI / NII	45,8%	37,5%	54,7%	106,9%	43,9%	45,7%	56,6%	101,0%	30,1%	24,0%	20,6%	14,9%

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	1,05%	0,88%	0,70%	0,00%	0,84%	0,35%	0,62%	-0,33%	1,27%	-0,18%	0,24%	0,21%
RoE	7,67%	7,54%	6,00%	0,00%	7,96%	2,89%	6,11%	-3,66%	12,21%	-1,83%	2,25%	2,04%
Leverage cap. adequacy	7,3 / 13,8%	8,5 / 11,8%	8,5 / 11,7%	9,9 / 10,1%	9,5 / 10,5%	8,2 / 12,2%	9,8 / 10,3%	10,9 / 9,2%	9,6 / 10,4%	9,7 / 10,3%	9,1 / 10,9%	9,3 / 10,7%
NIM	0,71%	2,12%	1,42%	0,00%	1,47%	1,51%	0,79%	0,37%	0,77%	1,31%	1,49%	2,63%
Return on assets	5,59%	5,75%	4,61%	0,00%	4,20%	4,20%	3,76%	4,65%	5,12%	5,88%	6,11%	7,46%
Cost of liabilities	5,14%	3,78%	3,43%	0,00%	2,75%	2,81%	3,09%	4,46%	4,38%	4,67%	4,50%	4,94%
Net spread	0,45%	1,97%	1,18%	0,00%	1,45%	1,39%	0,67%	0,19%	0,74%	1,21%	1,61%	2,52%
Cost / income	58,77%	61,04%	74,13%	0,00%	65,10%	77,08%	78,12%	103,54%	65,34%	102,89%	92,36%	78,47%
Cost of assets	3,52%	2,31%	2,48%	0,00%	2,37%	2,49%	2,24%	2,35%	3,05%	3,03%	3,14%	2,80%
Net assets	54 141 474	61 824 516	61 004 321	71 788 854	67 900 943	57 739 880	64 162 745	59 741 005	51 923 469	52 454 454	49 919 728	52 356 011
Average equity	7 460 755	7 289 397	7 164 353	7 216 658	7 159 729	7 067 505	6 576 689	5 502 716	5 419 143	5 390 760	5 462 673	5 605 259
Average % assets	45 295 384	54 087 253	54 798 941	64 845 892	57 450 849	49 353 180	55 774 319	53 319 358	44 596 734	45 522 773	40 725 185	44 907 938
Average % liabilities	43 523 578	51 936 522	50 961 912	61 492 763	57 160 757	47 565 511	54 456 666	51 502 761	44 576 806	45 021 337	42 295 991	44 430 556
NII	80 885	287 364	194 939	83 377	211 852	187 016	110 901	49 512	86 343	149 462	151 991	295 936
NCI	84 203	59 791	63 156	89 121	86 706	67 996	40 697	50 022	62 708	50 726	48 375	43 978
NCI / NII	104,1%	20,8%	32,4%	106,9%	40,9%	36,4%	36,7%	101,0%	72,6%	33,9%	31,8%	14,9%

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.