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Central Bank of Russia registration number: 1818  Retailbank

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	-2,79%	-3,13%	-4,99%	0,00%	-2,04%	-1,90%	-1,54%	-1,90%	-1,78%	0,27%	0,39%	0,18%
RoE	-6,96%	-8,14%	-13,39%	0,00%	-5,63%	-5,28%	-4,30%	-5,36%	-4,49%	0,64%	0,93%	0,43%
Leverage cap. adequacy	2,5 / 40,1%	2,6 / 38,6%	2,7 / 37,3%	2,7 / 36,8%	2,8 / 36,3%	2,8 / 36,0%	2,8 / 36,0%	2,8 / 35,5%	2,5 / 39,8%	2,4 / 41,7%	2,4 / 41,8%	2,4 / 41,9%
NIM	6,54%	6,03%	5,69%	0,00%	5,57%	5,68%	5,99%	6,07%	6,98%	7,26%	7,43%	7,46%
Return on assets	7,65%	7,20%	6,98%	0,00%	7,49%	7,66%	8,06%	8,17%	9,07%	9,38%	9,57%	9,66%
Cost of liabilities	1,76%	1,81%	1,90%	0,00%	2,70%	2,75%	2,85%	3,03%	2,89%	2,93%	2,94%	2,95%
Net spread	5,89%	5,39%	5,08%	0,00%	4,79%	4,91%	5,21%	5,14%	6,18%	6,45%	6,63%	6,71%
Cost / income	137,49%	146,36%	180,06%	0,00%	162,59%	162,45%	182,58%	133,97%	139,97%	105,16%	119,54%	118,28%
Cost of assets	11,32%	11,33%	13,20%	0,00%	9,65%	9,53%	10,01%	10,20%	13,54%	10,97%	11,12%	11,17%
Net assets	821 767	828 423	849 104	894 739	922 567	946 013	957 334	968 084	1 039 826	1 063 330	1 069 402	1 061 143
Average equity	329 799	319 426	316 608	329 086	335 196	340 915	344 341	343 207	414 187	443 761	447 290	444 122
Average % assets	728 269	740 684	728 489	753 405	762 765	769 381	764 277	784 908	788 599	777 141	772 089	760 385
Average % liabilities	480 139	498 257	515 799	548 111	562 498	576 483	581 393	586 795	580 654	571 183	572 955	573 606
NII	47 659	33 536	20 727	9 623	42 494	32 776	22 912	11 914	55 110	42 358	28 684	14 184
NCI	6 975	5 114	3 291	1 694	7 012	5 145	3 368	1 823	9 243	6 943	4 439	2 108
NCI / NII	14,6%	15,2%	15,9%	17,6%	16,5%	15,7%	14,7%	15,3%	16,8%	16,4%	15,5%	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	-1,69%	0,82%	-7,66%	0,00%	-2,32%	-2,58%	-1,17%	-1,90%	-7,98%	0,02%	0,60%	0,18%
RoE	-4,21%	2,14%	-20,55%	0,00%	-6,40%	-7,17%	-3,26%	-5,36%	-20,05%	0,05%	1,44%	0,43%
Leverage cap. adequacy	2,5 / 40,1%	2,6 / 38,6%	2,7 / 37,3%	2,7 / 36,8%	2,8 / 36,3%	2,8 / 36,0%	2,8 / 36,0%	2,8 / 35,5%	2,5 / 39,8%	2,4 / 41,7%	2,4 / 41,8%	2,4 / 41,9%
NIM	7,75%	6,91%	6,09%	0,00%	5,09%	5,12%	5,75%	6,07%	6,46%	7,03%	7,51%	7,46%
Return on assets	8,62%	7,89%	7,24%	0,00%	6,77%	6,95%	7,73%	8,17%	8,54%	9,13%	9,64%	9,66%
Cost of liabilities	1,41%	1,49%	1,68%	0,00%	2,34%	2,49%	2,64%	3,03%	2,90%	2,90%	2,92%	2,95%
Net spread	7,21%	6,40%	5,56%	0,00%	4,43%	4,46%	5,09%	5,14%	5,64%	6,23%	6,72%	6,71%
Cost / income	114,99%	89,93%	223,19%	0,00%	163,01%	129,06%	305,27%	133,97%	273,49%	84,49%	120,77%	118,28%
Cost of assets	10,71%	7,81%	17,39%	0,00%	9,44%	8,54%	9,50%	10,20%	21,89%	10,85%	11,33%	11,17%
Net assets	821 767	828 423	849 104	894 739	922 567	946 013	957 334	968 084	1 039 826	1 063 330	1 069 402	1 061 143
Average equity	329 799	319 426	316 608	329 086	335 196	340 915	344 341	343 207	414 187	443 761	447 290	444 122
Average % assets	728 269	740 684	728 489	753 405	762 765	769 381	764 277	784 908	788 599	777 141	772 089	760 385
Average % liabilities	480 139	498 257	515 799	548 111	562 498	576 483	581 393	586 795	580 654	571 183	572 955	573 606
NII	14 123	12 809	11 104	9 623	9 718	9 864	10 998	11 914	12 752	13 674	14 500	14 184
NCI	1 861	1 823	1 597	1 694	1 867	1 777	1 545	1 823	2 300	2 504	2 331	2 108
NCI / NII	13,2%	14,2%	14,4%	17,6%	19,2%	18,0%	14,0%	15,3%	18,0%	18,3%	16,1%	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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.