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Central Bank of Russia registration number: 2065  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	0,98%	0,81%	-0,40%	0,00%	-0,19%	-0,84%	-1,06%	-0,19%	0,38%	0,36%	0,36%	1,49%
RoE	8,25%	7,58%	-4,32%	0,00%	-1,88%	-6,27%	-7,80%	-1,45%	2,78%	2,62%	2,59%	11,25%
Leverage cap. adequacy	8,4 / 11,9%	9,3 / 10,8%	10,6 / 9,4%	11,3 / 8,8%	9,6 / 10,4%	7,4 / 13,5%	7,3 / 13,6%	7,5 / 13,3%	7,3 / 13,7%	7,2 / 13,9%	7,2 / 13,9%	7,5 / 13,3%
NIM	5,24%	5,40%	4,70%	0,00%	4,89%	4,94%	4,96%	4,54%	6,65%	7,29%	8,30%	11,18%
Return on assets	7,42%	7,33%	7,25%	0,00%	7,85%	8,02%	8,38%	8,47%	10,73%	11,50%	12,52%	15,27%
Cost of liabilities	2,77%	2,49%	2,10%	0,00%	2,80%	4,00%	4,49%	4,83%	5,05%	5,17%	5,07%	4,74%
Net spread	4,65%	4,84%	5,15%	0,00%	5,05%	4,02%	3,89%	3,64%	5,68%	6,33%	7,45%	10,53%
Cost / income	74,42%	74,68%	89,38%	0,00%	97,39%	104,80%	115,51%	103,11%	74,64%	67,44%	62,38%	48,72%
Cost of assets	6,70%	6,86%	7,29%	0,00%	6,67%	6,57%	6,70%	6,73%	6,68%	6,76%	7,05%	7,02%
Net assets	3 230 727	3 359 681	3 747 375	4 165 441	3 550 153	2 725 857	2 690 552	2 925 003	2 916 179	2 832 332	2 837 871	2 921 624
Average equity	384 800	362 935	352 391	368 425	368 851	367 779	366 169	389 608	399 314	393 344	394 519	387 371
Average % assets	2 656 767	2 556 199	2 459 659	2 438 270	2 645 767	2 688 162	2 694 155	2 827 368	2 797 062	2 737 029	2 736 990	2 763 003
Average % liabilities	2 771 226	2 926 993	3 328 120	3 732 000	3 147 374	2 324 077	2 262 872	2 470 824	2 448 563	2 370 909	2 373 774	2 475 506
NII	139 419	103 671	57 862	25 913	129 506	99 735	66 862	32 091	186 060	149 811	113 659	77 234
NCI	39 100	27 371	16 214	7 686	34 230	25 522	16 718	8 401	37 434	27 725	18 631	8 957
NCI / NII	28,0%	26,4%	28,0%	29,7%	26,4%	25,6%	25,0%	26,2%	20,1%	18,5%	16,4%	11,6%

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	1,37%	3,36%	0,34%	0,00%	1,16%	-0,44%	-1,91%	-0,19%	0,46%	0,37%	-0,81%	1,49%
RoE	11,57%	31,13%	3,70%	0,00%	11,24%	-3,30%	-14,05%	-1,45%	3,36%	2,67%	-5,86%	11,25%
Leverage cap. adequacy	8,4 / 11,9%	9,3 / 10,8%	10,6 / 9,4%	11,3 / 8,8%	9,6 / 10,4%	7,4 / 13,5%	7,3 / 13,6%	7,5 / 13,3%	7,3 / 13,7%	7,2 / 13,9%	7,2 / 13,9%	7,5 / 13,3%
NIM	5,38%	7,16%	5,19%	0,00%	4,50%	4,89%	5,16%	4,54%	5,18%	5,28%	5,32%	11,18%
Return on assets	8,51%	8,04%	7,46%	0,00%	6,98%	7,25%	7,87%	8,47%	9,17%	9,46%	9,63%	15,27%
Cost of liabilities	3,20%	2,71%	2,05%	0,00%	2,35%	3,26%	3,71%	4,83%	5,18%	5,35%	5,19%	4,74%
Net spread	5,31%	5,33%	5,41%	0,00%	4,63%	3,99%	4,16%	3,64%	3,99%	4,11%	4,44%	10,53%
Cost / income	73,74%	55,50%	77,17%	0,00%	80,35%	87,44%	133,57%	103,11%	105,38%	82,69%	88,71%	48,72%
Cost of assets	7,20%	6,64%	7,08%	0,00%	6,68%	6,27%	6,31%	6,73%	7,16%	6,20%	6,85%	7,02%
Net assets	3 230 727	3 359 681	3 747 375	4 165 441	3 550 153	2 725 857	2 690 552	2 925 003	2 916 179	2 832 332	2 837 871	2 921 624
Average equity	384 800	362 935	352 391	368 425	368 851	367 779	366 169	389 608	399 314	393 344	394 519	387 371
Average % assets	2 656 767	2 556 199	2 459 659	2 438 270	2 645 767	2 688 162	2 694 155	2 827 368	2 797 062	2 737 029	2 736 990	2 763 003
Average % liabilities	2 771 226	2 926 993	3 328 120	3 732 000	3 147 374	2 324 077	2 262 872	2 470 824	2 448 563	2 370 909	2 373 774	2 475 506
NII	35 748	45 809	31 949	25 913	29 771	32 873	34 771	32 091	36 249	36 152	36 425	77 234
NCI	11 729	11 157	8 528	7 686	8 708	8 804	8 317	8 401	9 709	9 094	9 674	8 957
NCI / NII	32,8%	24,4%	26,7%	29,7%	29,2%	26,8%	23,9%	26,2%	26,8%	25,2%	26,6%	11,6%

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.