Mailing list archive

	RN-BANK (SIBIR)I want to buy a report	add to comparison
Central Bank of Russia registration number: 170  foreign-controlled, retail lending, car loans, 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	2,57%	2,74%	2,03%	0,00%	3,61%	4,60%	4,67%	2,27%	4,75%	4,65%	3,58%	3,85%
RoE	10,14%	11,05%	9,41%	0,00%	16,17%	19,31%	22,29%	11,77%	24,85%	25,05%	20,03%	20,83%
Leverage cap. adequacy	3,9 / 25,3%	4,0 / 24,8%	4,6 / 21,6%	4,6 / 22,0%	4,5 / 22,3%	4,2 / 23,8%	4,8 / 21,0%	5,2 / 19,3%	5,2 / 19,1%	5,4 / 18,6%	5,6 / 17,9%	5,4 / 18,5%
NIM	11,95%	11,57%	10,93%	0,00%	10,95%	11,74%	12,45%	13,81%	13,60%	13,68%	13,83%	14,70%
Return on assets	12,96%	12,30%	11,77%	0,00%	12,07%	13,17%	14,64%	15,92%	17,09%	17,57%	17,93%	18,59%
Cost of liabilities	7,24%	7,07%	6,20%	0,00%	6,84%	7,81%	7,24%	7,09%	7,26%	7,34%	7,13%	7,15%
Net spread	5,72%	5,23%	5,57%	0,00%	5,23%	5,36%	7,40%	8,83%	9,83%	10,23%	10,80%	11,44%
Cost / income	34,26%	35,17%	36,61%	0,00%	26,06%	22,72%	20,12%	25,52%	23,22%	21,68%	21,22%	18,45%
Cost of assets	2,80%	2,72%	2,48%	0,00%	2,25%	2,25%	2,31%	2,45%	2,77%	2,61%	2,60%	2,53%
Net assets	108 324 097	107 894 091	119 538 100	115 670 297	110 861 064	101 332 282	108 792 021	112 223 577	107 658 431	104 741 361	103 314 059	95 685 858
Average equity	27 450 435	26 761 264	25 847 807	25 396 187	24 764 839	24 135 190	22 820 151	21 638 397	20 600 845	19 451 486	18 484 802	17 702 835
Average % assets	83 629 486	85 652 984	88 627 895	80 847 663	82 822 780	76 784 270	73 112 614	69 223 070	65 432 455	63 559 151	62 208 123	58 942 573
Average % liabilities	72 983 251	72 628 570	83 755 044	80 432 489	76 525 483	67 726 533	78 183 919	81 744 029	77 804 028	76 429 369	77 020 687	71 432 707
NII	9 996 105	7 436 341	4 847 120	2 382 750	9 070 612	6 762 725	4 554 310	2 390 694	8 904 962	6 524 521	4 301 797	2 167 604
NCI	258 433	173 291	138 125	68 470	217 040	151 876	114 408	23 359	147 883	111 195	92 543	76 124
NCI / NII	2,6%	2,3%	2,8%	2,9%	2,4%	2,2%	2,5%	1,0%	1,7%	1,7%	2,2%	3,5%

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	2,08%	3,71%	2,35%	0,00%	1,83%	3,75%	7,01%	2,27%	5,44%	6,88%	3,59%	3,85%
RoE	8,24%	14,98%	10,90%	0,00%	8,23%	15,78%	33,42%	11,77%	28,44%	37,08%	20,12%	20,83%
Leverage cap. adequacy	3,9 / 25,3%	4,0 / 24,8%	4,6 / 21,6%	4,6 / 22,0%	4,5 / 22,3%	4,2 / 23,8%	4,8 / 21,0%	5,2 / 19,3%	5,2 / 19,1%	5,4 / 18,6%	5,6 / 17,9%	5,4 / 18,5%
NIM	12,24%	12,09%	11,12%	0,00%	11,14%	11,50%	11,83%	13,81%	14,55%	13,98%	13,72%	14,70%
Return on assets	14,05%	12,55%	12,04%	0,00%	11,64%	11,64%	14,20%	15,92%	17,17%	17,61%	18,25%	18,59%
Cost of liabilities	7,85%	6,91%	6,29%	0,00%	6,61%	6,70%	7,08%	7,09%	7,42%	7,64%	7,64%	7,15%
Net spread	6,20%	5,64%	5,75%	0,00%	5,03%	4,94%	7,12%	8,83%	9,75%	9,97%	10,61%	11,44%
Cost / income	31,83%	32,92%	41,89%	0,00%	39,00%	30,01%	16,58%	25,52%	27,45%	22,58%	24,34%	18,45%
Cost of assets	2,81%	2,99%	2,99%	0,00%	2,77%	2,34%	2,30%	2,45%	3,50%	2,73%	2,81%	2,53%
Net assets	108 324 097	107 894 091	119 538 100	115 670 297	110 861 064	101 332 282	108 792 021	112 223 577	107 658 431	104 741 361	103 314 059	95 685 858
Average equity	27 450 435	26 761 264	25 847 807	25 396 187	24 764 839	24 135 190	22 820 151	21 638 397	20 600 845	19 451 486	18 484 802	17 702 835
Average % assets	83 629 486	85 652 984	88 627 895	80 847 663	82 822 780	76 784 270	73 112 614	69 223 070	65 432 455	63 559 151	62 208 123	58 942 573
Average % liabilities	72 983 251	72 628 570	83 755 044	80 432 489	76 525 483	67 726 533	78 183 919	81 744 029	77 804 028	76 429 369	77 020 687	71 432 707
NII	2 559 764	2 589 221	2 464 370	2 382 750	2 307 887	2 208 415	2 163 616	2 390 694	2 380 441	2 222 724	2 134 193	2 167 604
NCI	85 142	35 166	69 655	68 470	65 164	37 468	91 049	23 359	36 688	18 652	16 419	76 124
NCI / NII	3,3%	1,4%	2,8%	2,9%	2,8%	1,7%	4,2%	1,0%	1,5%	0,8%	0,8%	3,5%

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.