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Central Bank of Russia registration number: 2241  complies with 214-FZ (equity construction)

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	16,52%	20,32%	21,68%	0,00%	11,38%	11,33%	12,13%	9,12%	10,11%	12,56%	11,68%	13,12%
RoE	53,56%	63,11%	65,30%	0,00%	46,70%	44,46%	49,74%	46,03%	46,55%	57,82%	68,03%	88,69%
Leverage cap. adequacy	3,2 / 30,8%	3,1 / 32,2%	3,0 / 33,2%	3,4 / 29,2%	4,1 / 24,4%	3,9 / 25,5%	4,1 / 24,4%	5,0 / 19,8%	4,6 / 21,7%	4,6 / 21,7%	5,8 / 17,2%	6,8 / 14,8%
NIM	4,84%	4,43%	4,18%	0,00%	4,91%	5,52%	7,07%	6,58%	5,56%	5,39%	5,27%	5,57%
Return on assets	5,47%	4,91%	4,61%	0,00%	4,18%	4,38%	5,03%	4,93%	5,52%	5,73%	5,78%	6,24%
Cost of liabilities	0,92%	0,87%	0,78%	0,00%	1,17%	1,59%	2,15%	2,32%	2,57%	2,95%	2,42%	2,47%
Net spread	4,55%	4,04%	3,83%	0,00%	3,01%	2,79%	2,88%	2,61%	2,95%	2,78%	3,36%	3,77%
Cost / income	31,51%	29,16%	29,77%	0,00%	44,89%	48,22%	48,95%	51,48%	56,27%	53,05%	54,15%	59,48%
Cost of assets	13,03%	13,09%	14,59%	0,00%	17,57%	19,67%	23,92%	20,78%	20,65%	19,93%	20,29%	24,83%
Net assets	52 618 883	49 944 784	46 428 669	48 355 909	56 240 615	51 385 234	48 541 620	56 347 509	51 072 623	46 753 677	50 880 670	47 950 254
Average equity	16 228 925	16 083 430	15 412 823	14 100 275	13 702 922	13 102 372	11 846 459	11 170 175	11 096 985	10 158 572	8 740 720	7 095 389
Average % assets	42 094 810	40 835 344	36 200 247	35 701 003	42 083 988	39 590 177	35 037 913	42 392 971	43 386 850	42 121 989	40 925 339	34 859 419
Average % liabilities	26 050 342	23 092 302	19 884 036	20 553 116	27 122 607	23 886 090	22 882 233	29 802 445	27 664 437	24 502 749	29 087 297	27 684 800
NII	2 040 725	1 359 085	757 439	347 256	2 067 024	1 640 204	1 240 133	697 869	2 412 894	1 703 554	1 079 952	486 261
NCI	13 713 815	11 084 906	7 178 206	3 280 026	13 625 316	10 010 512	6 370 328	3 280 153	11 891 689	8 738 346	5 434 845	2 607 650
NCI / NII	672,0%	815,6%	947,7%	944,6%	659,2%	610,3%	513,7%	470,0%	492,8%	512,9%	503,2%	536,3%

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	8,20%	20,66%	25,26%	0,00%	14,44%	11,08%	13,68%	9,12%	5,95%	12,25%	11,00%	13,12%
RoE	26,61%	64,17%	76,09%	0,00%	59,27%	43,45%	56,07%	46,03%	27,41%	56,39%	64,07%	88,69%
Leverage cap. adequacy	3,2 / 30,8%	3,1 / 32,2%	3,0 / 33,2%	3,4 / 29,2%	4,1 / 24,4%	3,9 / 25,5%	4,1 / 24,4%	5,0 / 19,8%	4,6 / 21,7%	4,6 / 21,7%	5,8 / 17,2%	6,8 / 14,8%
NIM	6,47%	5,89%	4,53%	0,00%	4,05%	4,04%	6,19%	6,58%	6,53%	5,92%	5,80%	5,57%
Return on assets	7,61%	6,55%	4,99%	0,00%	4,37%	4,23%	4,10%	4,93%	5,37%	5,96%	6,25%	6,24%
Cost of liabilities	1,38%	1,26%	0,84%	0,00%	0,48%	0,67%	1,27%	2,32%	2,44%	3,11%	2,49%	2,47%
Net spread	6,23%	5,29%	4,15%	0,00%	3,89%	3,56%	2,83%	2,61%	2,93%	2,85%	3,76%	3,77%
Cost / income	40,37%	28,04%	25,74%	0,00%	35,93%	46,61%	46,34%	51,48%	65,45%	51,04%	49,34%	59,48%
Cost of assets	14,01%	13,35%	13,57%	0,00%	15,23%	17,73%	22,30%	20,78%	24,93%	20,33%	19,44%	24,83%
Net assets	52 618 883	49 944 784	46 428 669	48 355 909	56 240 615	51 385 234	48 541 620	56 347 509	51 072 623	46 753 677	50 880 670	47 950 254
Average equity	16 228 925	16 083 430	15 412 823	14 100 275	13 702 922	13 102 372	11 846 459	11 170 175	11 096 985	10 158 572	8 740 720	7 095 389
Average % assets	42 094 810	40 835 344	36 200 247	35 701 003	42 083 988	39 590 177	35 037 913	42 392 971	43 386 850	42 121 989	40 925 339	34 859 419
Average % liabilities	26 050 342	23 092 302	19 884 036	20 553 116	27 122 607	23 886 090	22 882 233	29 802 445	27 664 437	24 502 749	29 087 297	27 684 800
NII	681 640	601 646	410 183	347 256	426 820	400 071	542 264	697 869	709 340	623 602	593 691	486 261
NCI	2 628 909	3 906 700	3 898 180	3 280 026	3 614 804	3 640 184	3 090 175	3 280 153	3 153 343	3 303 501	2 827 195	2 607 650
NCI / NII	385,7%	649,3%	950,4%	944,6%	846,9%	909,9%	569,9%	470,0%	444,5%	529,7%	476,2%	536,3%

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.