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Central Bank of Russia registration number: 1896  retail funding

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	3,30%	2,15%	2,41%	0,00%	0,42%	-1,03%	-3,33%	-0,43%	-3,97%	-3,70%	-3,37%	-0,07%
RoE	22,22%	14,85%	16,68%	0,00%	3,08%	-7,88%	-24,47%	-3,10%	-28,60%	-23,25%	-17,57%	-0,34%
Leverage cap. adequacy	6,7 / 14,9%	6,9 / 14,5%	6,9 / 14,5%	6,9 / 14,4%	7,3 / 13,7%	7,6 / 13,1%	7,3 / 13,6%	7,1 / 14,2%	7,2 / 13,9%	6,3 / 15,9%	5,2 / 19,2%	4,8 / 20,8%
NIM	9,12%	7,77%	7,55%	0,00%	6,36%	6,23%	6,52%	5,69%	4,45%	5,11%	6,55%	7,88%
Return on assets	11,90%	11,80%	11,52%	0,00%	11,27%	11,27%	12,06%	11,40%	9,70%	10,63%	12,34%	13,45%
Cost of liabilities	4,02%	3,91%	3,94%	0,00%	4,65%	4,83%	5,19%	5,36%	5,19%	5,37%	5,55%	5,45%
Net spread	7,88%	7,89%	7,58%	0,00%	6,62%	6,44%	6,87%	6,04%	4,51%	5,26%	6,79%	8,00%
Cost / income	70,15%	80,69%	81,02%	0,00%	72,64%	81,38%	85,28%	99,72%	117,20%	104,87%	76,97%	69,58%
Cost of assets	8,96%	9,34%	9,44%	0,00%	8,16%	9,22%	10,32%	10,25%	10,67%	11,22%	12,79%	12,14%
Net assets	4 064 968	4 035 743	3 888 445	3 782 324	3 782 236	3 683 617	3 572 060	3 642 415	3 788 320	3 724 611	3 675 705	3 778 530
Average equity	603 947	585 437	564 047	545 800	518 355	483 609	486 291	515 934	525 910	593 847	705 796	784 703
Average % assets	2 977 837	2 870 124	2 801 337	2 814 284	2 806 044	2 768 801	2 583 778	2 685 124	2 828 588	2 676 242	2 463 285	2 553 055
Average % liabilities	3 365 746	3 360 494	3 241 449	3 153 340	3 155 786	3 089 592	2 965 498	2 990 252	3 091 023	2 967 382	2 784 653	2 822 990
NII	271 714	167 364	105 864	47 604	178 605	129 389	84 351	38 250	125 956	102 648	80 767	50 301
NCI	53 355	42 161	31 907	17 317	63 660	44 650	24 732	17 337	73 644	56 662	39 274	18 549
NCI / NII	19,6%	25,2%	30,1%	36,4%	35,6%	34,5%	29,3%	45,3%	58,5%	55,2%	48,6%	36,9%

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	6,79%	1,80%	3,22%	0,00%	4,71%	3,35%	-6,21%	-0,43%	-4,95%	-4,46%	-6,67%	-0,07%
RoE	45,72%	12,42%	22,23%	0,00%	34,38%	25,57%	-45,65%	-3,10%	-35,65%	-27,99%	-34,76%	-0,34%
Leverage cap. adequacy	6,7 / 14,9%	6,9 / 14,5%	6,9 / 14,5%	6,9 / 14,4%	7,3 / 13,7%	7,6 / 13,1%	7,3 / 13,6%	7,1 / 14,2%	7,2 / 13,9%	6,3 / 15,9%	5,2 / 19,2%	4,8 / 20,8%
NIM	14,01%	8,57%	8,31%	0,00%	7,01%	6,50%	7,13%	5,69%	3,29%	3,27%	4,94%	7,88%
Return on assets	13,48%	12,91%	12,01%	0,00%	11,72%	11,30%	12,28%	11,40%	8,61%	9,17%	10,74%	13,45%
Cost of liabilities	4,36%	4,14%	4,02%	0,00%	4,40%	4,53%	4,97%	5,36%	5,31%	5,69%	5,57%	5,45%
Net spread	9,12%	8,77%	7,99%	0,00%	7,32%	6,77%	7,31%	6,04%	3,30%	3,48%	5,17%	8,00%
Cost / income	50,97%	80,07%	78,69%	0,00%	47,28%	73,73%	73,56%	99,72%	176,94%	516,74%	86,06%	69,58%
Cost of assets	9,23%	9,75%	9,77%	0,00%	5,44%	8,45%	9,83%	10,25%	11,02%	10,53%	12,83%	12,14%
Net assets	4 064 968	4 035 743	3 888 445	3 782 324	3 782 236	3 683 617	3 572 060	3 642 415	3 788 320	3 724 611	3 675 705	3 778 530
Average equity	603 947	585 437	564 047	545 800	518 355	483 609	486 291	515 934	525 910	593 847	705 796	784 703
Average % assets	2 977 837	2 870 124	2 801 337	2 814 284	2 806 044	2 768 801	2 583 778	2 685 124	2 828 588	2 676 242	2 463 285	2 553 055
Average % liabilities	3 365 746	3 360 494	3 241 449	3 153 340	3 155 786	3 089 592	2 965 498	2 990 252	3 091 023	2 967 382	2 784 653	2 822 990
NII	104 350	61 500	58 260	47 604	49 216	45 038	46 101	38 250	23 308	21 881	30 466	50 301
NCI	11 194	10 254	14 590	17 317	19 010	19 918	7 395	17 337	16 982	17 388	20 725	18 549
NCI / NII	10,7%	16,7%	25,0%	36,4%	38,6%	44,2%	16,0%	45,3%	72,9%	79,5%	68,0%	36,9%

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.