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Central Bank of Russia registration number: 2576  complies with 214-FZ (equity construction)

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	1,82%	-0,73%	1,97%	0,00%	1,94%	-0,09%	0,38%	-3,30%	11,21%	13,53%	7,31%	3,68%
RoE	5,99%	-2,32%	6,15%	0,00%	6,55%	-0,31%	1,33%	-10,61%	36,08%	51,13%	34,07%	26,13%
Leverage cap. adequacy	3,3 / 30,5%	3,1 / 31,8%	3,1 / 32,1%	3,2 / 31,1%	3,4 / 29,7%	3,4 / 29,3%	3,4 / 29,0%	3,2 / 31,1%	3,2 / 31,1%	3,8 / 26,5%	4,7 / 21,5%	7,1 / 14,1%
NIM	6,04%	6,12%	6,32%	0,00%	6,57%	6,59%	6,44%	6,53%	11,42%	12,75%	6,69%	6,47%
Return on assets	7,65%	7,71%	7,86%	0,00%	8,32%	8,44%	8,38%	8,57%	9,66%	9,67%	9,30%	9,12%
Cost of liabilities	3,47%	3,57%	3,33%	0,00%	3,83%	4,08%	4,27%	4,54%	5,18%	4,98%	4,73%	4,58%
Net spread	4,18%	4,14%	4,53%	0,00%	4,49%	4,36%	4,11%	4,03%	4,48%	4,69%	4,57%	4,54%
Cost / income	26,44%	25,51%	24,47%	0,00%	20,61%	20,17%	20,37%	18,05%	15,82%	12,84%	18,44%	18,22%
Cost of assets	2,50%	2,50%	2,48%	0,00%	2,41%	2,41%	2,46%	2,42%	2,94%	2,67%	2,00%	2,03%
Net assets	9 342 899	8 942 620	9 161 840	9 180 286	9 130 696	8 983 375	9 038 716	8 909 001	9 527 661	9 518 007	9 944 250	9 591 169
Average equity	2 850 354	2 840 752	2 938 533	2 853 759	2 707 959	2 634 339	2 624 414	2 771 252	2 961 899	2 518 673	2 135 696	1 353 049
Average % assets	12 829 957	12 633 409	12 550 777	12 765 166	13 109 653	13 051 560	13 216 692	12 943 631	13 168 637	13 419 383	14 126 953	14 227 012
Average % liabilities	6 026 846	5 636 594	5 770 576	5 883 810	5 992 147	5 916 920	5 985 790	5 816 135	6 525 595	6 963 407	7 776 944	8 206 550
NII	775 473	579 980	397 111	199 504	861 323	645 463	426 204	211 493	1 504 661	1 283 391	473 247	230 382
NCI	40 609	31 545	22 990	10 923	37 374	25 808	17 645	11 241	52 836	37 714	25 060	12 419
NCI / NII	5,2%	5,4%	5,8%	5,5%	4,3%	4,0%	4,1%	5,3%	3,5%	2,9%	5,3%	5,4%

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	9,44%	-6,26%	-2,40%	0,00%	8,04%	-1,05%	4,02%	-3,30%	4,31%	25,30%	11,07%	3,68%
RoE	30,95%	-19,72%	-7,49%	0,00%	27,12%	-3,60%	13,86%	-10,61%	13,87%	95,63%	51,58%	26,13%
Leverage cap. adequacy	3,3 / 30,5%	3,1 / 31,8%	3,1 / 32,1%	3,2 / 31,1%	3,4 / 29,7%	3,4 / 29,3%	3,4 / 29,0%	3,2 / 31,1%	3,2 / 31,1%	3,8 / 26,5%	4,7 / 21,5%	7,1 / 14,1%
NIM	6,09%	5,79%	6,29%	0,00%	6,58%	6,71%	6,49%	6,53%	6,72%	24,14%	6,87%	6,47%
Return on assets	7,81%	7,52%	7,83%	0,00%	8,08%	8,34%	8,37%	8,57%	9,07%	9,43%	9,43%	9,12%
Cost of liabilities	3,86%	3,89%	3,33%	0,00%	3,26%	3,58%	4,14%	4,54%	4,75%	4,38%	4,63%	4,58%
Net spread	3,95%	3,63%	4,50%	0,00%	4,82%	4,76%	4,23%	4,03%	4,32%	5,05%	4,80%	4,54%
Cost / income	29,33%	27,96%	25,41%	0,00%	22,06%	19,73%	23,17%	18,05%	31,36%	9,59%	18,65%	18,22%
Cost of assets	2,71%	2,45%	2,58%	0,00%	2,41%	2,29%	2,54%	2,42%	3,76%	3,80%	2,08%	2,03%
Net assets	9 342 899	8 942 620	9 161 840	9 180 286	9 130 696	8 983 375	9 038 716	8 909 001	9 527 661	9 518 007	9 944 250	9 591 169
Average equity	2 850 354	2 840 752	2 938 533	2 853 759	2 707 959	2 634 339	2 624 414	2 771 252	2 961 899	2 518 673	2 135 696	1 353 049
Average % assets	12 829 957	12 633 409	12 550 777	12 765 166	13 109 653	13 051 560	13 216 692	12 943 631	13 168 637	13 419 383	14 126 953	14 227 012
Average % liabilities	6 026 846	5 636 594	5 770 576	5 883 810	5 992 147	5 916 920	5 985 790	5 816 135	6 525 595	6 963 407	7 776 944	8 206 550
NII	195 493	182 869	197 607	199 504	215 860	219 259	214 711	211 493	221 270	810 144	242 865	230 382
NCI	9 064	8 555	12 067	10 923	11 566	8 163	6 404	11 241	15 122	12 654	12 641	12 419
NCI / NII	4,6%	4,7%	6,1%	5,5%	5,4%	3,7%	3,0%	5,3%	6,8%	1,6%	5,2%	5,4%

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 - 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.