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Central Bank of Russia registration number: 2490  Bankenrettung, ZB-Vertreter, complies with 214-FZ (equity construction)

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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	5,21%	5,24%	5,58%	0,00%	1,54%	3,22%	3,33%	4,14%	1,80%	1,89%	1,73%	1,27%
RoE	-389,09%	-204,27%	-115,87%	0,00%	-18,64%	-27,22%	-25,62%	-29,42%	-12,05%	-11,77%	-9,95%	-8,58%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	6,37%	6,29%	6,36%	0,00%	5,63%	5,85%	6,06%	6,90%	5,83%	6,03%	6,27%	6,16%
Return on assets	7,21%	7,16%	7,42%	0,00%	7,49%	7,79%	7,93%	8,30%	8,50%	8,75%	9,04%	8,92%
Cost of liabilities	5,13%	5,09%	5,30%	0,00%	5,73%	5,78%	5,95%	6,16%	6,12%	6,18%	6,31%	6,15%
Net spread	2,08%	2,07%	2,12%	0,00%	1,76%	2,01%	1,98%	2,14%	2,38%	2,57%	2,73%	2,77%
Cost / income	40,36%	37,90%	39,42%	0,00%	56,92%	38,29%	37,20%	28,26%	50,34%	47,10%	51,76%	60,47%
Cost of assets	4,34%	4,00%	4,36%	0,00%	4,95%	3,82%	3,83%	3,98%	4,77%	4,62%	4,79%	4,77%
Net assets	50 525 423	49 467 045	46 312 755	44 925 919	46 978 201	45 231 322	43 858 609	42 666 884	41 837 649	40 478 899	38 643 021	40 414 125
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	54 651 963	53 705 654	50 430 602	49 249 350	52 656 023	50 944 299	50 088 141	49 170 704	48 348 673	46 914 019	44 976 979	45 379 529
Average % liabilities	50 660 338	50 193 327	47 696 052	47 068 305	50 133 716	50 301 474	49 301 877	48 406 785	47 893 058	46 794 334	45 216 704	46 242 004
NII	3 481 484	2 534 070	1 605 871	772 910	2 967 727	2 237 530	1 519 162	848 997	2 820 054	2 123 900	1 411 356	699 272
NCI	1 001 990	754 993	462 284	204 963	773 399	541 284	315 977	161 285	708 843	518 245	320 490	149 993
NCI / NII	28,8%	29,8%	28,8%	26,5%	26,1%	24,2%	20,8%	19,0%	25,1%	24,4%	22,7%	21,4%

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	5,46%	5,28%	7,31%	0,00%	-3,12%	3,21%	2,63%	4,14%	1,73%	2,35%	2,14%	1,27%
RoE	-407,39%	-205,92%	-151,86%	0,00%	37,53%	-27,15%	-20,25%	-29,42%	-11,56%	-14,68%	-12,27%	-8,58%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	6,93%	6,91%	6,60%	0,00%	5,54%	5,64%	5,35%	6,90%	5,75%	6,07%	6,33%	6,16%
Return on assets	7,73%	7,54%	7,56%	0,00%	7,38%	7,77%	7,71%	8,30%	8,56%	8,91%	9,07%	8,92%
Cost of liabilities	5,38%	5,21%	5,31%	0,00%	5,52%	5,68%	5,85%	6,16%	6,37%	6,34%	6,33%	6,15%
Net spread	2,35%	2,33%	2,25%	0,00%	1,86%	2,09%	1,86%	2,14%	2,19%	2,57%	2,74%	2,77%
Cost / income	46,61%	35,13%	42,70%	0,00%	154,54%	40,51%	55,26%	28,26%	60,15%	40,12%	44,74%	60,47%
Cost of assets	5,66%	3,91%	4,50%	0,00%	8,61%	3,97%	3,77%	3,98%	5,67%	4,73%	4,59%	4,77%
Net assets	50 525 423	49 467 045	46 312 755	44 925 919	46 978 201	45 231 322	43 858 609	42 666 884	41 837 649	40 478 899	38 643 021	40 414 125
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	54 651 963	53 705 654	50 430 602	49 249 350	52 656 023	50 944 299	50 088 141	49 170 704	48 348 673	46 914 019	44 976 979	45 379 529
Average % liabilities	50 660 338	50 193 327	47 696 052	47 068 305	50 133 716	50 301 474	49 301 877	48 406 785	47 893 058	46 794 334	45 216 704	46 242 004
NII	947 414	928 199	832 961	772 910	730 197	718 368	670 165	848 997	696 154	712 544	712 084	699 272
NCI	246 997	292 709	257 321	204 963	232 115	225 307	154 692	161 285	190 598	197 755	170 497	149 993
NCI / NII	26,1%	31,5%	30,9%	26,5%	31,8%	31,4%	23,1%	19,0%	27,4%	27,8%	23,9%	21,4%

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.