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Central Bank of Russia registration number: 2506

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	-0,17%	-0,23%	-0,43%	0,00%	-0,87%	-0,73%	-0,92%	0,12%	0,36%	0,56%	0,15%	1,01%
RoE	-2,60%	-3,71%	-6,06%	0,00%	-10,75%	-8,70%	-11,68%	1,33%	3,43%	5,04%	1,50%	9,73%
Leverage cap. adequacy	15,0 / 6,7%	15,8 / 6,3%	13,9 / 7,2%	12,6 / 8,0%	12,3 / 8,1%	11,8 / 8,5%	12,7 / 7,9%	10,7 / 9,3%	9,3 / 10,7%	8,9 / 11,2%	9,8 / 10,2%	9,6 / 10,4%
NIM	3,53%	3,44%	3,51%	0,00%	3,16%	3,17%	3,07%	3,53%	4,32%	4,84%	4,68%	4,38%
Return on assets	6,29%	5,88%	5,93%	0,00%	6,47%	6,60%	6,59%	7,06%	7,94%	8,74%	8,80%	8,79%
Cost of liabilities	2,45%	2,10%	2,19%	0,00%	3,04%	3,07%	3,04%	3,38%	3,35%	3,53%	3,38%	3,66%
Net spread	3,84%	3,78%	3,74%	0,00%	3,43%	3,53%	3,55%	3,68%	4,59%	5,21%	5,42%	5,13%
Cost / income	92,89%	93,55%	98,62%	0,00%	110,27%	102,59%	100,24%	91,79%	88,69%	89,49%	92,98%	80,93%
Cost of assets	4,68%	4,78%	5,32%	0,00%	5,55%	5,42%	5,32%	5,83%	6,76%	6,90%	6,96%	5,97%
Net assets	13 515 133	13 834 572	12 416 421	12 052 895	12 439 099	12 655 624	13 629 901	11 924 347	10 697 412	9 875 918	10 507 545	10 349 913
Average equity	901 589	874 272	893 204	960 061	1 011 634	1 072 997	1 075 292	1 112 090	1 146 472	1 110 468	1 073 779	1 078 124
Average % assets	10 409 068	10 359 166	9 558 786	8 953 348	9 905 929	9 867 490	10 255 133	9 509 598	8 543 425	7 789 824	7 938 980	8 487 651
Average % liabilities	12 291 160	12 670 248	11 135 615	10 673 253	10 994 667	11 214 960	12 199 221	10 402 159	9 010 645	8 238 791	8 906 029	8 721 655
NII	367 899	267 902	168 069	80 102	313 686	234 942	157 521	84 005	369 406	283 053	186 162	93 054
NCI	80 823	70 073	52 961	31 915	70 012	64 140	48 099	40 141	96 561	54 755	31 135	29 000
NCI / NII	22,0%	26,2%	31,5%	39,8%	22,3%	27,3%	30,5%	47,8%	26,1%	19,3%	16,7%	31,2%

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	0,02%	0,07%	-0,77%	0,00%	-1,24%	-0,22%	-1,95%	0,12%	-0,10%	1,37%	-0,69%	1,01%
RoE	0,39%	1,25%	-10,83%	0,00%	-15,33%	-2,68%	-24,75%	1,33%	-0,94%	12,23%	-6,76%	9,73%
Leverage cap. adequacy	15,0 / 6,7%	15,8 / 6,3%	13,9 / 7,2%	12,6 / 8,0%	12,3 / 8,1%	11,8 / 8,5%	12,7 / 7,9%	10,7 / 9,3%	9,3 / 10,7%	8,9 / 11,2%	9,8 / 10,2%	9,6 / 10,4%
NIM	3,84%	3,85%	3,68%	0,00%	3,17%	3,13%	2,86%	3,53%	4,04%	4,97%	4,69%	4,38%
Return on assets	7,61%	6,71%	6,25%	0,00%	6,16%	6,09%	6,64%	7,06%	7,85%	8,27%	8,21%	8,79%
Cost of liabilities	3,32%	2,45%	2,29%	0,00%	2,75%	2,61%	3,19%	3,38%	3,71%	3,29%	3,17%	3,66%
Net spread	4,29%	4,26%	3,96%	0,00%	3,41%	3,48%	3,45%	3,68%	4,14%	4,98%	5,04%	5,13%
Cost / income	90,83%	84,22%	103,26%	0,00%	138,11%	107,99%	110,73%	91,79%	86,90%	82,74%	106,48%	80,93%
Cost of assets	4,42%	4,55%	5,26%	0,00%	6,01%	5,19%	5,24%	5,83%	8,20%	6,52%	7,51%	5,97%
Net assets	13 515 133	13 834 572	12 416 421	12 052 895	12 439 099	12 655 624	13 629 901	11 924 347	10 697 412	9 875 918	10 507 545	10 349 913
Average equity	901 589	874 272	893 204	960 061	1 011 634	1 072 997	1 075 292	1 112 090	1 146 472	1 110 468	1 073 779	1 078 124
Average % assets	10 409 068	10 359 166	9 558 786	8 953 348	9 905 929	9 867 490	10 255 133	9 509 598	8 543 425	7 789 824	7 938 980	8 487 651
Average % liabilities	12 291 160	12 670 248	11 135 615	10 673 253	10 994 667	11 214 960	12 199 221	10 402 159	9 010 645	8 238 791	8 906 029	8 721 655
NII	99 997	99 833	87 967	80 102	78 744	77 421	73 516	84 005	86 353	96 891	93 108	93 054
NCI	10 750	17 112	21 046	31 915	5 872	16 041	7 958	40 141	41 806	23 620	2 135	29 000
NCI / NII	10,8%	17,1%	23,9%	39,8%	7,5%	20,7%	10,8%	47,8%	48,4%	24,4%	2,3%	31,2%

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.