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Central Bank of Russia registration number: 2438

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	1,02%	0,83%	1,26%	0,00%	0,20%	-1,07%	-2,61%	-3,00%	0,93%	1,44%	1,99%	-0,51%
RoE	6,53%	4,83%	7,41%	0,00%	1,46%	-7,26%	-16,19%	-18,30%	5,22%	7,68%	9,90%	-2,63%
Leverage cap. adequacy	6,4 / 15,6%	5,8 / 17,3%	5,9 / 17,1%	6,6 / 15,1%	7,3 / 13,7%	6,8 / 14,8%	6,2 / 16,2%	6,1 / 16,4%	5,6 / 18,0%	5,3 / 18,7%	5,0 / 20,1%	5,1 / 19,5%
NIM	6,71%	7,38%	6,98%	0,00%	5,41%	5,03%	5,57%	4,89%	5,80%	6,48%	7,71%	7,95%
Return on assets	9,77%	10,49%	9,85%	0,00%	7,57%	8,36%	9,76%	8,76%	9,77%	10,68%	12,97%	12,75%
Cost of liabilities	3,68%	3,92%	3,75%	0,00%	3,70%	4,33%	5,08%	5,16%	5,24%	5,56%	6,26%	5,87%
Net spread	6,09%	6,57%	6,10%	0,00%	3,87%	4,03%	4,68%	3,60%	4,53%	5,12%	6,71%	6,88%
Cost / income	100,03%	106,94%	113,89%	0,00%	100,90%	118,63%	138,62%	156,95%	82,10%	80,20%	79,32%	76,60%
Cost of assets	9,16%	10,14%	9,81%	0,00%	7,96%	9,04%	11,78%	12,40%	10,06%	10,51%	12,09%	10,16%
Net assets	2 825 085	2 532 237	2 585 321	2 803 628	2 924 397	2 630 418	2 405 935	2 498 884	2 353 856	2 231 745	1 987 603	2 241 029
Average equity	442 070	439 089	441 031	423 530	401 804	388 133	388 908	410 892	422 938	418 045	400 155	436 450
Average % assets	2 453 932	2 212 606	2 286 917	2 439 806	2 636 278	2 343 952	1 955 214	2 153 811	2 103 102	1 951 712	1 655 077	1 961 317
Average % liabilities	2 335 157	2 041 315	2 081 468	2 316 521	2 411 633	2 119 598	1 891 949	1 995 072	1 905 469	1 787 537	1 559 602	1 776 504
NII	164 733	122 491	79 819	37 202	142 763	88 482	54 504	26 341	121 987	94 984	63 849	39 013
NCI	19 089	13 621	10 069	4 506	16 745	9 183	5 722	4 042	22 443	18 174	11 451	4 790
NCI / NII	11,6%	11,1%	12,6%	12,1%	11,7%	10,4%	10,5%	15,3%	18,4%	19,1%	17,9%	12,3%

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	1,83%	-0,06%	-1,32%	0,00%	3,69%	1,57%	-2,11%	-3,00%	-0,34%	0,76%	4,56%	-0,51%
RoE	11,74%	-0,39%	-7,75%	0,00%	26,91%	10,67%	-13,06%	-18,30%	-1,91%	4,10%	22,68%	-2,63%
Leverage cap. adequacy	6,4 / 15,6%	5,8 / 17,3%	5,9 / 17,1%	6,6 / 15,1%	7,3 / 13,7%	6,8 / 14,8%	6,2 / 16,2%	6,1 / 16,4%	5,6 / 18,0%	5,3 / 18,7%	5,0 / 20,1%	5,1 / 19,5%
NIM	6,88%	7,71%	7,45%	0,00%	8,23%	5,79%	5,76%	4,89%	5,13%	6,38%	6,00%	7,95%
Return on assets	10,71%	11,12%	10,40%	0,00%	7,98%	8,81%	9,86%	8,76%	9,36%	10,04%	10,84%	12,75%
Cost of liabilities	4,42%	4,12%	3,86%	0,00%	3,37%	3,93%	4,72%	5,16%	5,32%	5,78%	5,83%	5,87%
Net spread	6,29%	7,00%	6,54%	0,00%	4,61%	4,88%	5,14%	3,60%	4,04%	4,26%	5,01%	6,88%
Cost / income	83,93%	95,28%	104,12%	0,00%	69,57%	86,68%	119,15%	156,95%	87,57%	81,83%	82,28%	76,60%
Cost of assets	9,24%	10,12%	10,08%	0,00%	7,93%	7,63%	9,82%	12,40%	11,07%	11,29%	12,01%	10,16%
Net assets	2 825 085	2 532 237	2 585 321	2 803 628	2 924 397	2 630 418	2 405 935	2 498 884	2 353 856	2 231 745	1 987 603	2 241 029
Average equity	442 070	439 089	441 031	423 530	401 804	388 133	388 908	410 892	422 938	418 045	400 155	436 450
Average % assets	2 453 932	2 212 606	2 286 917	2 439 806	2 636 278	2 343 952	1 955 214	2 153 811	2 103 102	1 951 712	1 655 077	1 961 317
Average % liabilities	2 335 157	2 041 315	2 081 468	2 316 521	2 411 633	2 119 598	1 891 949	1 995 072	1 905 469	1 787 537	1 559 602	1 776 504
NII	42 242	42 672	42 617	37 202	54 281	33 978	28 163	26 341	27 003	31 135	24 836	39 013
NCI	5 468	3 552	5 563	4 506	7 562	3 461	1 680	4 042	4 269	6 723	6 661	4 790
NCI / NII	12,9%	8,3%	13,1%	12,1%	13,9%	10,2%	6,0%	15,3%	15,8%	21,6%	26,8%	12,3%

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.