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	ING BANK (EVRAZIYA)I want to buy a report	add to comparison
Central Bank of Russia registration number: 2495  foreign-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions2

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	0,23%	0,14%	0,01%	0,00%	0,11%	-0,09%	0,00%	-0,65%	2,85%	2,82%	3,05%	7,16%
RoE	1,29%	0,76%	0,05%	0,00%	0,73%	-0,62%	-0,03%	-4,85%	16,65%	20,74%	22,43%	41,79%
Leverage cap. adequacy	5,6 / 17,8%	5,3 / 19,0%	5,1 / 19,4%	5,2 / 19,2%	6,2 / 16,1%	6,7 / 14,9%	7,3 / 13,7%	7,4 / 13,5%	5,8 / 17,2%	7,3 / 13,6%	7,3 / 13,6%	5,8 / 17,1%
NIM	4,56%	3,34%	3,12%	0,00%	2,89%	2,46%	1,96%	1,88%	1,06%	0,50%	0,40%	2,41%
Return on assets	9,38%	6,69%	6,15%	0,00%	6,35%	5,73%	4,89%	5,06%	6,96%	5,65%	5,66%	8,75%
Cost of liabilities	4,28%	3,41%	2,91%	0,00%	3,66%	3,52%	3,18%	3,53%	6,51%	5,58%	5,16%	6,11%
Net spread	5,10%	3,28%	3,24%	0,00%	2,69%	2,21%	1,71%	1,53%	0,45%	0,07%	0,50%	2,64%
Cost / income	98,87%	103,88%	119,19%	0,00%	88,11%	94,41%	93,39%	259,91%	43,14%	40,31%	58,92%	61,03%
Cost of assets	4,75%	3,34%	3,52%	0,00%	2,73%	2,26%	1,76%	1,54%	1,80%	1,38%	1,74%	2,35%
Net assets	122 611 620	153 166 677	161 348 046	164 936 839	196 280 455	218 419 281	269 265 448	280 513 969	220 443 343	267 527 181	273 259 902	201 173 079
Average equity	21 833 082	29 026 235	31 342 967	31 594 503	31 632 249	32 590 904	36 799 378	37 958 270	37 812 799	36 407 448	37 232 517	34 477 793
Average % assets	75 220 201	105 807 340	102 032 501	108 061 591	139 411 514	160 224 543	203 426 389	230 414 853	181 699 839	229 979 730	213 336 114	142 918 016
Average % liabilities	89 959 883	110 237 225	114 114 700	114 121 850	137 833 070	155 326 222	194 626 916	213 757 516	167 021 068	214 198 752	218 561 417	146 353 307
NII	3 433 173	2 652 388	1 593 277	775 040	4 035 043	2 957 376	2 000 242	1 083 958	1 943 195	872 742	432 962	863 869
NCI	476 176	363 267	269 769	107 078	736 766	466 917	256 269	137 815	724 733	389 373	158 649	83 910
NCI / NII	13,9%	13,7%	16,9%	13,8%	18,3%	15,8%	12,8%	12,7%	37,3%	44,6%	36,6%	9,7%

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	0,38%	0,41%	0,22%	0,00%	0,78%	-0,27%	0,67%	-0,65%	1,14%	2,22%	0,83%	7,16%
RoE	2,14%	2,17%	1,14%	0,00%	4,89%	-1,81%	4,94%	-4,85%	6,69%	16,33%	6,16%	41,79%
Leverage cap. adequacy	5,6 / 17,8%	5,3 / 19,0%	5,1 / 19,4%	5,2 / 19,2%	6,2 / 16,1%	6,7 / 14,9%	7,3 / 13,7%	7,4 / 13,5%	5,8 / 17,2%	7,3 / 13,6%	7,3 / 13,6%	5,8 / 17,1%
NIM	4,15%	4,00%	3,20%	0,00%	3,09%	2,38%	1,80%	1,88%	2,35%	0,76%	0,00%	2,41%
Return on assets	9,29%	8,21%	6,44%	0,00%	5,62%	4,77%	4,05%	5,06%	6,39%	6,44%	5,45%	8,75%
Cost of liabilities	4,57%	4,21%	3,12%	0,00%	2,71%	2,59%	2,49%	3,53%	4,55%	6,22%	6,23%	6,11%
Net spread	4,72%	4,00%	3,32%	0,00%	2,91%	2,18%	1,56%	1,53%	1,84%	0,22%	-0,78%	2,64%
Cost / income	86,69%	81,88%	101,96%	0,00%	75,60%	96,46%	57,32%	259,91%	53,08%	19,11%	57,30%	61,03%
Cost of assets	4,86%	3,25%	3,66%	0,00%	3,14%	2,30%	1,78%	1,54%	1,96%	0,92%	1,91%	2,35%
Net assets	122 611 620	153 166 677	161 348 046	164 936 839	196 280 455	218 419 281	269 265 448	280 513 969	220 443 343	267 527 181	273 259 902	201 173 079
Average equity	21 833 082	29 026 235	31 342 967	31 594 503	31 632 249	32 590 904	36 799 378	37 958 270	37 812 799	36 407 448	37 232 517	34 477 793
Average % assets	75 220 201	105 807 340	102 032 501	108 061 591	139 411 514	160 224 543	203 426 389	230 414 853	181 699 839	229 979 730	213 336 114	142 918 016
Average % liabilities	89 959 883	110 237 225	114 114 700	114 121 850	137 833 070	155 326 222	194 626 916	213 757 516	167 021 068	214 198 752	218 561 417	146 353 307
NII	780 785	1 059 111	818 237	775 040	1 077 667	957 134	916 284	1 083 958	1 070 453	439 780	0	863 869
NCI	112 909	93 498	162 691	107 078	269 849	210 648	118 454	137 815	335 360	230 724	74 739	83 910
NCI / NII	14,5%	8,8%	19,9%	13,8%	25,0%	22,0%	12,9%	12,7%	31,3%	52,5%	-	9,7%

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.