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Central Bank of Russia registration number: 2587  CB RF representative, 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	1,93%	1,93%	1,34%	0,00%	1,28%	1,18%	1,03%	1,27%	1,27%	1,44%	1,47%	1,59%
RoE	7,93%	7,95%	5,91%	0,00%	5,79%	5,63%	4,84%	6,23%	6,17%	6,85%	7,18%	7,89%
Leverage cap. adequacy	4,1 / 24,4%	4,1 / 24,3%	4,4 / 22,7%	4,4 / 22,5%	4,5 / 22,1%	4,8 / 21,0%	4,7 / 21,3%	4,9 / 20,5%	4,9 / 20,6%	4,8 / 21,0%	4,9 / 20,6%	5,0 / 20,2%
NIM	5,97%	6,13%	5,74%	0,00%	4,73%	4,63%	4,69%	4,37%	5,04%	5,41%	5,37%	5,28%
Return on assets	8,13%	7,99%	7,48%	0,00%	8,47%	8,60%	9,10%	8,99%	9,59%	10,11%	9,92%	9,50%
Cost of liabilities	3,39%	3,30%	3,08%	0,00%	4,39%	4,53%	5,07%	5,34%	5,44%	5,58%	5,55%	5,42%
Net spread	4,74%	4,69%	4,40%	0,00%	4,08%	4,07%	4,03%	3,65%	4,15%	4,53%	4,37%	4,08%
Cost / income	62,94%	61,37%	63,04%	0,00%	69,84%	65,25%	64,64%	64,01%	72,12%	67,78%	66,70%	62,37%
Cost of assets	4,94%	4,89%	4,65%	0,00%	4,71%	4,44%	4,53%	4,29%	5,32%	5,53%	5,34%	4,77%
Net assets	23 459 838	23 042 130	24 235 112	24 268 334	24 535 681	25 241 831	24 504 929	25 247 422	24 900 457	24 050 992	24 084 071	24 399 285
Average equity	5 715 738	5 606 677	5 495 403	5 472 358	5 422 680	5 311 475	5 228 193	5 168 798	5 125 706	5 058 857	4 953 516	4 926 461
Average % assets	19 429 707	19 259 882	20 472 133	20 463 393	20 555 328	21 104 098	20 443 723	21 518 002	21 518 085	20 377 817	20 757 496	21 468 049
Average % liabilities	17 279 816	16 970 037	18 218 003	18 261 895	18 579 306	19 382 656	18 664 627	19 470 285	19 238 536	18 495 051	18 615 310	18 962 108
NII	1 161 116	885 665	587 587	241 060	973 507	733 897	479 974	235 123	1 085 375	826 842	557 389	283 386
NCI	234 987	171 525	109 993	56 812	296 527	223 302	142 175	73 308	312 953	221 215	135 805	67 626
NCI / NII	20,2%	19,4%	18,7%	23,6%	30,5%	30,4%	29,6%	31,2%	28,8%	26,8%	24,4%	23,9%

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	2,03%	2,98%	0,96%	0,00%	1,46%	1,54%	0,74%	1,27%	0,91%	1,36%	1,34%	1,59%
RoE	8,33%	12,25%	4,24%	0,00%	6,63%	7,36%	3,51%	6,23%	4,43%	6,48%	6,52%	7,89%
Leverage cap. adequacy	4,1 / 24,4%	4,1 / 24,3%	4,4 / 22,7%	4,4 / 22,5%	4,5 / 22,1%	4,8 / 21,0%	4,7 / 21,3%	4,9 / 20,5%	4,9 / 20,6%	4,8 / 21,0%	4,9 / 20,6%	5,0 / 20,2%
NIM	5,67%	6,19%	6,77%	0,00%	4,66%	4,81%	4,79%	4,37%	4,80%	5,28%	5,28%	5,28%
Return on assets	8,76%	8,08%	7,73%	0,00%	7,39%	8,16%	8,74%	8,99%	9,65%	10,13%	10,02%	9,50%
Cost of liabilities	3,83%	3,29%	3,19%	0,00%	3,37%	3,82%	4,58%	5,34%	5,68%	5,56%	5,58%	5,42%
Net spread	4,93%	4,79%	4,54%	0,00%	4,02%	4,34%	4,16%	3,65%	3,97%	4,57%	4,44%	4,08%
Cost / income	67,68%	58,17%	58,64%	0,00%	85,73%	66,45%	65,29%	64,01%	87,52%	69,87%	70,92%	62,37%
Cost of assets	5,32%	4,79%	4,82%	0,00%	5,19%	4,56%	4,53%	4,29%	5,68%	5,79%	5,76%	4,77%
Net assets	23 459 838	23 042 130	24 235 112	24 268 334	24 535 681	25 241 831	24 504 929	25 247 422	24 900 457	24 050 992	24 084 071	24 399 285
Average equity	5 715 738	5 606 677	5 495 403	5 472 358	5 422 680	5 311 475	5 228 193	5 168 798	5 125 706	5 058 857	4 953 516	4 926 461
Average % assets	19 429 707	19 259 882	20 472 133	20 463 393	20 555 328	21 104 098	20 443 723	21 518 002	21 518 085	20 377 817	20 757 496	21 468 049
Average % liabilities	17 279 816	16 970 037	18 218 003	18 261 895	18 579 306	19 382 656	18 664 627	19 470 285	19 238 536	18 495 051	18 615 310	18 962 108
NII	275 451	298 078	346 527	241 060	239 610	253 923	244 851	235 123	258 533	269 453	274 003	283 386
NCI	63 462	61 532	53 181	56 812	73 225	81 127	68 867	73 308	91 738	85 410	68 179	67 626
NCI / NII	23,0%	20,6%	15,3%	23,6%	30,6%	31,9%	28,1%	31,2%	35,5%	31,7%	24,9%	23,9%

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.