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	KREDIT URAL BANK (KUB)I want to buy a report	add to comparison
Central Bank of Russia registration number: 2584  retail funding, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	0,93%	1,00%	1,30%	0,00%	0,73%	0,68%	0,91%	1,68%	1,49%	1,37%	1,12%	1,51%
RoE	6,76%	7,63%	10,37%	0,00%	5,41%	5,27%	6,46%	10,33%	9,08%	8,42%	6,92%	9,06%
Leverage cap. adequacy	7,2 / 13,8%	7,6 / 13,2%	7,9 / 12,6%	7,6 / 13,2%	7,3 / 13,6%	7,7 / 13,0%	7,1 / 14,1%	6,1 / 16,3%	6,1 / 16,4%	6,1 / 16,3%	6,1 / 16,3%	6,0 / 16,7%
NIM	5,98%	5,15%	4,89%	0,00%	5,01%	4,77%	5,10%	5,69%	5,90%	5,94%	5,72%	5,95%
Return on assets	8,30%	7,81%	7,35%	0,00%	7,85%	7,52%	8,11%	9,06%	9,25%	9,38%	9,10%	9,50%
Cost of liabilities	3,06%	2,76%	2,50%	0,00%	2,97%	2,83%	3,07%	3,72%	3,72%	3,79%	3,78%	3,85%
Net spread	5,24%	5,05%	4,85%	0,00%	4,88%	4,69%	5,04%	5,34%	5,53%	5,59%	5,32%	5,65%
Cost / income	67,37%	70,40%	76,06%	0,00%	59,67%	54,09%	57,18%	56,32%	50,56%	46,57%	45,60%	45,59%
Cost of assets	4,20%	3,61%	3,46%	0,00%	3,38%	2,84%	3,05%	3,37%	3,62%	3,28%	3,04%	3,01%
Net assets	40 310 277	42 101 014	44 482 977	41 203 347	39 507 120	41 389 637	39 038 825	33 584 568	33 032 781	32 632 498	32 875 857	31 858 959
Average equity	5 575 915	5 558 986	5 601 087	5 452 584	5 385 763	5 392 266	5 521 725	5 474 040	5 425 051	5 321 272	5 350 039	5 310 810
Average % assets	34 346 756	35 823 276	37 189 242	35 263 818	34 532 214	36 159 351	33 691 907	30 386 607	29 357 946	28 830 657	29 383 138	27 552 522
Average % liabilities	33 323 357	35 227 105	37 590 419	34 291 070	33 217 102	35 224 194	32 848 804	27 448 494	27 018 434	26 672 118	26 838 875	25 879 188
NII	2 054 170	1 385 959	911 028	451 236	1 732 759	1 294 274	860 802	432 742	1 733 207	1 285 079	840 407	410 464
NCI	397 959	278 965	182 841	92 458	310 653	210 922	104 987	66 395	326 505	238 591	159 191	71 024
NCI / NII	19,4%	20,1%	20,1%	20,5%	17,9%	16,3%	12,2%	15,3%	18,8%	18,6%	18,9%	17,3%

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	0,58%	0,26%	0,13%	0,00%	0,79%	0,33%	0,38%	1,68%	1,89%	1,85%	0,78%	1,51%
RoE	4,24%	2,00%	1,07%	0,00%	5,83%	2,56%	2,69%	10,33%	11,56%	11,35%	4,85%	9,06%
Leverage cap. adequacy	7,2 / 13,8%	7,6 / 13,2%	7,9 / 12,6%	7,6 / 13,2%	7,3 / 13,6%	7,7 / 13,0%	7,1 / 14,1%	6,1 / 16,3%	6,1 / 16,4%	6,1 / 16,3%	6,1 / 16,3%	6,0 / 16,7%
NIM	7,78%	5,30%	4,94%	0,00%	5,07%	4,79%	5,08%	5,69%	6,10%	6,16%	5,85%	5,95%
Return on assets	8,75%	8,17%	7,51%	0,00%	7,77%	7,44%	8,05%	9,06%	9,37%	9,58%	9,29%	9,50%
Cost of liabilities	3,46%	2,96%	2,57%	0,00%	2,87%	2,75%	3,04%	3,72%	3,64%	3,78%	3,84%	3,85%
Net spread	5,29%	5,21%	4,94%	0,00%	4,90%	4,69%	5,01%	5,34%	5,73%	5,80%	5,45%	5,65%
Cost / income	61,87%	61,31%	86,19%	0,00%	74,75%	48,75%	58,05%	56,32%	61,17%	48,32%	45,61%	45,59%
Cost of assets	5,47%	3,62%	4,06%	0,00%	4,58%	2,82%	3,08%	3,37%	4,79%	3,63%	3,24%	3,01%
Net assets	40 310 277	42 101 014	44 482 977	41 203 347	39 507 120	41 389 637	39 038 825	33 584 568	33 032 781	32 632 498	32 875 857	31 858 959
Average equity	5 575 915	5 558 986	5 601 087	5 452 584	5 385 763	5 392 266	5 521 725	5 474 040	5 425 051	5 321 272	5 350 039	5 310 810
Average % assets	34 346 756	35 823 276	37 189 242	35 263 818	34 532 214	36 159 351	33 691 907	30 386 607	29 357 946	28 830 657	29 383 138	27 552 522
Average % liabilities	33 323 357	35 227 105	37 590 419	34 291 070	33 217 102	35 224 194	32 848 804	27 448 494	27 018 434	26 672 118	26 838 875	25 879 188
NII	668 211	474 931	459 792	451 236	438 485	433 472	428 060	432 742	448 128	444 672	429 943	410 464
NCI	118 994	96 124	90 383	92 458	99 731	105 935	38 592	66 395	87 914	79 400	88 167	71 024
NCI / NII	17,8%	20,2%	19,7%	20,5%	22,7%	24,4%	9,0%	15,3%	19,6%	17,9%	20,5%	17,3%

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.