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	ENISEYSKIY OBEDINENNIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2645

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	0,82%	0,21%	0,13%	0,00%	0,56%	0,50%	0,57%	0,78%	0,30%	0,13%	0,20%	0,32%
RoE	8,66%	2,22%	1,48%	0,00%	5,90%	5,35%	6,46%	9,24%	3,37%	1,46%	2,35%	3,85%
Leverage cap. adequacy	10,6 / 9,5%	10,3 / 9,7%	10,8 / 9,2%	10,6 / 9,4%	10,5 / 9,5%	10,6 / 9,4%	11,2 / 9,0%	11,7 / 8,5%	11,2 / 8,9%	10,8 / 9,3%	11,3 / 8,8%	11,8 / 8,5%
NIM	4,93%	5,04%	5,18%	0,00%	4,78%	4,30%	4,39%	4,88%	4,78%	4,64%	3,97%	4,74%
Return on assets	8,94%	8,98%	8,61%	0,00%	9,67%	9,74%	9,42%	9,18%	10,94%	11,91%	11,53%	11,48%
Cost of liabilities	3,22%	3,06%	2,73%	0,00%	3,89%	4,26%	4,11%	3,88%	4,44%	4,86%	4,90%	3,63%
Net spread	5,72%	5,92%	5,88%	0,00%	5,78%	5,48%	5,31%	5,30%	6,50%	7,05%	6,63%	7,85%
Cost / income	119,78%	116,05%	113,44%	0,00%	115,81%	123,27%	119,03%	108,28%	116,52%	122,32%	126,94%	110,03%
Cost of assets	9,00%	9,12%	8,91%	0,00%	9,41%	9,29%	9,00%	8,70%	10,26%	10,93%	10,32%	9,50%
Net assets	6 063 682	5 764 074	6 044 666	6 144 046	6 043 204	6 021 472	6 293 308	6 562 043	6 217 896	5 965 967	6 264 020	6 534 540
Average equity	574 396	556 994	558 741	577 176	573 441	568 141	563 784	560 517	554 980	554 538	552 075	554 615
Average % assets	4 695 897	4 556 698	4 674 052	4 643 007	4 615 545	4 708 478	4 999 064	5 308 444	4 966 723	4 710 728	4 966 589	5 214 537
Average % liabilities	5 376 115	5 097 989	5 376 700	5 451 199	5 330 265	5 311 715	5 581 469	5 861 826	5 551 215	5 301 524	5 611 388	5 874 668
NII	231 752	172 331	121 269	60 614	220 821	151 974	109 835	64 772	237 879	163 975	98 660	61 883
NCI	87 566	68 855	44 185	20 612	90 847	68 029	48 492	24 664	116 733	86 275	54 610	25 475
NCI / NII	37,8%	40,0%	36,4%	34,0%	41,1%	44,8%	44,1%	38,1%	49,1%	52,6%	55,4%	41,2%

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	2,67%	0,35%	-0,55%	0,00%	0,73%	0,30%	0,33%	0,78%	0,81%	-0,02%	0,07%	0,32%
RoE	28,20%	3,68%	-6,02%	0,00%	7,69%	3,24%	3,74%	9,24%	9,09%	-0,27%	0,82%	3,85%
Leverage cap. adequacy	10,6 / 9,5%	10,3 / 9,7%	10,8 / 9,2%	10,6 / 9,4%	10,5 / 9,5%	10,6 / 9,4%	11,2 / 9,0%	11,7 / 8,5%	11,2 / 8,9%	10,8 / 9,3%	11,3 / 8,8%	11,8 / 8,5%
NIM	5,06%	4,48%	5,19%	0,00%	5,96%	3,57%	3,60%	4,88%	5,95%	5,54%	2,96%	4,74%
Return on assets	9,64%	9,26%	8,73%	0,00%	8,86%	9,22%	9,10%	9,18%	9,87%	11,43%	11,00%	11,48%
Cost of liabilities	4,17%	3,43%	2,60%	0,00%	2,82%	4,13%	4,15%	3,88%	3,82%	4,23%	5,99%	3,63%
Net spread	5,47%	5,83%	6,13%	0,00%	6,04%	5,09%	4,95%	5,30%	6,05%	7,20%	5,01%	7,85%
Cost / income	131,40%	121,75%	118,40%	0,00%	97,49%	133,74%	133,02%	108,28%	101,61%	114,13%	148,17%	110,03%
Cost of assets	9,58%	9,03%	9,45%	0,00%	9,17%	8,72%	8,74%	8,70%	10,04%	11,04%	10,68%	9,50%
Net assets	6 063 682	5 764 074	6 044 666	6 144 046	6 043 204	6 021 472	6 293 308	6 562 043	6 217 896	5 965 967	6 264 020	6 534 540
Average equity	574 396	556 994	558 741	577 176	573 441	568 141	563 784	560 517	554 980	554 538	552 075	554 615
Average % assets	4 695 897	4 556 698	4 674 052	4 643 007	4 615 545	4 708 478	4 999 064	5 308 444	4 966 723	4 710 728	4 966 589	5 214 537
Average % liabilities	5 376 115	5 097 989	5 376 700	5 451 199	5 330 265	5 311 715	5 581 469	5 861 826	5 551 215	5 301 524	5 611 388	5 874 668
NII	59 421	51 062	60 655	60 614	68 847	42 139	45 063	64 772	73 904	65 315	36 777	61 883
NCI	18 711	24 670	23 573	20 612	22 818	19 537	23 828	24 664	30 458	31 665	29 135	25 475
NCI / NII	31,5%	48,3%	38,9%	34,0%	33,1%	46,4%	52,9%	38,1%	41,2%	48,5%	79,2%	41,2%

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.