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Central Bank of Russia registration number: 2304  Bankenrettung, ZB-Vertreter, complies with 213-FZ (work with state companies)

General information Emissions0 Discuss33

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	0,16%	0,58%	2,02%	0,00%	1,75%	3,25%	2,27%	4,21%	0,54%	2,24%	2,11%	5,27%
RoE	2,75%	9,52%	33,52%	0,00%	27,49%	61,27%	53,72%	100,64%	11,55%	43,28%	44,10%	126,70%
Leverage cap. adequacy	16,2 / 6,2%	16,2 / 6,2%	16,5 / 6,1%	18,0 / 5,5%	15,7 / 6,4%	18,8 / 5,3%	23,6 / 4,2%	23,9 / 4,2%	21,3 / 4,7%	19,3 / 5,2%	20,9 / 4,8%	24,0 / 4,2%
NIM	0,48%	0,43%	0,32%	0,00%	0,14%	0,00%	0,00%	0,00%	0,00%	0,04%	0,00%	1,12%
Return on assets	3,30%	3,45%	3,49%	0,00%	3,94%	3,76%	3,58%	3,77%	3,98%	4,55%	4,73%	4,61%
Cost of liabilities	5,89%	6,52%	6,87%	0,00%	7,71%	7,16%	6,47%	7,13%	8,38%	9,30%	9,51%	8,28%
Net spread	-2,59%	-3,07%	-3,38%	0,00%	-3,77%	-3,40%	-2,89%	-3,36%	-4,40%	-4,75%	-4,78%	-3,67%
Cost / income	57,48%	39,82%	42,45%	0,00%	19,75%	18,69%	31,15%	19,83%	53,51%	45,91%	50,42%	12,76%
Cost of assets	1,22%	0,96%	0,94%	0,00%	1,10%	0,92%	0,87%	1,01%	1,33%	1,55%	1,78%	0,80%
Net assets	136 349 460	121 598 188	115 923 503	114 648 342	110 195 161	121 809 029	133 945 181	120 774 107	104 692 307	94 476 410	92 106 267	103 015 471
Average equity	8 394 892	7 511 362	7 014 119	6 357 349	7 025 593	6 470 871	5 666 113	5 063 553	4 915 609	4 899 347	4 408 884	4 285 854
Average % assets	135 573 784	123 685 350	118 939 324	117 370 810	112 024 881	122 667 418	132 678 963	120 839 810	104 333 978	94 549 853	91 812 687	101 017 979
Average % liabilities	125 920 909	112 707 060	107 212 944	106 095 177	100 353 325	112 073 191	125 701 725	114 403 794	98 710 588	88 571 761	86 560 560	97 382 274
NII	659 142	402 385	192 201	75 618	160 578	0	0	0	0	35 441	0	283 888
NCI	57 356	54 137	47 631	23 535	51 476	7 039	0	1 634	28 079	11 605	3 456	0
NCI / NII	8,7%	13,5%	24,8%	31,1%	32,1%	-	-	-	-	32,7%	-	0,0%

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	-0,89%	-2,10%	1,91%	0,00%	-3,78%	4,76%	0,74%	4,21%	-3,90%	2,61%	-1,67%	5,27%
RoE	-14,57%	-34,02%	31,60%	0,00%	-59,31%	89,71%	17,51%	100,64%	-83,19%	50,46%	-34,96%	126,70%
Leverage cap. adequacy	16,2 / 6,2%	16,2 / 6,2%	16,5 / 6,1%	18,0 / 5,5%	15,7 / 6,4%	18,8 / 5,3%	23,6 / 4,2%	23,9 / 4,2%	21,3 / 4,7%	19,3 / 5,2%	20,9 / 4,8%	24,0 / 4,2%
NIM	0,75%	0,67%	0,39%	0,00%	0,97%	0,09%	0,00%	0,00%	0,00%	0,18%	0,00%	1,12%
Return on assets	3,76%	3,63%	3,51%	0,00%	3,39%	3,54%	3,72%	3,77%	3,55%	4,46%	4,39%	4,61%
Cost of liabilities	6,07%	6,47%	6,56%	0,00%	6,85%	6,96%	6,45%	7,13%	8,48%	9,32%	9,71%	8,28%
Net spread	-2,31%	-2,84%	-3,05%	0,00%	-3,46%	-3,42%	-2,73%	-3,36%	-4,93%	-4,86%	-5,32%	-3,67%
Cost / income	117,85%	36,06%	33,87%	0,00%	22,79%	9,84%	85,16%	19,83%	133,94%	36,50%	0,00%	12,76%
Cost of assets	2,26%	1,08%	1,03%	0,00%	1,32%	0,85%	0,83%	1,01%	1,15%	1,20%	2,66%	0,80%
Net assets	136 349 460	121 598 188	115 923 503	114 648 342	110 195 161	121 809 029	133 945 181	120 774 107	104 692 307	94 476 410	92 106 267	103 015 471
Average equity	8 394 892	7 511 362	7 014 119	6 357 349	7 025 593	6 470 871	5 666 113	5 063 553	4 915 609	4 899 347	4 408 884	4 285 854
Average % assets	135 573 784	123 685 350	118 939 324	117 370 810	112 024 881	122 667 418	132 678 963	120 839 810	104 333 978	94 549 853	91 812 687	101 017 979
Average % liabilities	125 920 909	112 707 060	107 212 944	106 095 177	100 353 325	112 073 191	125 701 725	114 403 794	98 710 588	88 571 761	86 560 560	97 382 274
NII	256 757	210 184	116 583	75 618	273 250	29 554	0	0	0	43 428	0	283 888
NCI	3 219	6 506	24 096	23 535	44 437	11 871	0	1 634	16 474	8 149	5 036	0
NCI / NII	1,3%	3,1%	20,7%	31,1%	16,3%	40,2%	-	-	-	18,8%	-	0,0%

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.