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	BANK KORPORATIVNOGO FINANSIROVANIYAI want to buy a report	add to comparison
Central Bank of Russia registration number: 2684  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	-0,82%	-0,67%	-0,38%	0,00%	0,09%	-0,03%	-0,60%	-1,88%	-0,01%	-0,17%	-3,34%	-7,32%
RoE	-8,02%	-7,01%	-3,54%	0,00%	1,03%	-0,30%	-5,97%	-19,06%	-0,17%	-1,99%	-38,57%	-59,97%
Leverage cap. adequacy	9,8 / 10,2%	10,4 / 9,6%	9,2 / 10,9%	9,8 / 10,2%	10,4 / 9,6%	9,3 / 10,7%	9,8 / 10,2%	10,1 / 9,9%	9,9 / 10,1%	11,7 / 8,6%	11,5 / 8,7%	8,2 / 12,2%
NIM	5,32%	5,18%	5,31%	0,00%	6,24%	6,08%	6,62%	6,95%	7,68%	6,80%	6,49%	5,61%
Return on assets	8,57%	8,24%	8,22%	0,00%	8,43%	8,84%	9,53%	9,60%	11,24%	10,26%	10,05%	10,83%
Cost of liabilities	3,46%	3,03%	3,14%	0,00%	3,09%	3,30%	3,24%	3,23%	3,82%	3,55%	3,90%	5,46%
Net spread	5,11%	5,21%	5,08%	0,00%	5,34%	5,54%	6,29%	6,37%	7,42%	6,71%	6,15%	5,37%
Cost / income	88,79%	94,90%	94,76%	0,00%	81,23%	86,55%	88,06%	105,48%	68,19%	88,06%	122,01%	182,41%
Cost of assets	6,35%	5,89%	5,90%	0,00%	4,96%	5,05%	5,20%	4,66%	5,96%	5,47%	6,51%	9,16%
Net assets	9 586 618	10 580 840	9 780 296	10 671 097	10 329 952	9 875 823	10 112 141	10 586 560	10 558 785	11 654 598	10 734 975	8 091 376
Average equity	980 894	1 020 139	1 061 523	1 086 294	995 130	1 057 033	1 027 314	1 049 100	1 070 674	997 606	931 021	988 216
Average % assets	7 679 172	7 946 923	8 008 462	8 782 725	8 670 945	8 302 860	8 062 964	8 808 829	8 456 653	9 356 267	8 766 230	6 466 863
Average % liabilities	8 433 970	9 375 737	8 592 307	9 377 970	9 176 422	8 701 636	8 957 367	9 432 247	9 443 063	10 605 946	9 631 588	6 939 387
NII	409 292	308 803	212 896	110 151	541 537	379 200	266 933	153 145	649 686	477 421	284 884	90 756
NCI	86 977	49 719	21 254	12 458	61 230	51 301	44 534	27 655	160 209	119 208	44 730	19 311
NCI / NII	21,3%	16,1%	10,0%	11,3%	11,3%	13,5%	16,7%	18,1%	24,7%	25,0%	15,7%	21,3%

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	-1,04%	-1,31%	-1,90%	0,00%	0,49%	1,14%	0,76%	-1,88%	0,49%	5,65%	-1,16%	-7,32%
RoE	-10,22%	-13,67%	-17,54%	0,00%	5,09%	10,70%	7,52%	-19,06%	4,86%	66,01%	-13,48%	-59,97%
Leverage cap. adequacy	9,8 / 10,2%	10,4 / 9,6%	9,2 / 10,9%	9,8 / 10,2%	10,4 / 9,6%	9,3 / 10,7%	9,8 / 10,2%	10,1 / 9,9%	9,9 / 10,1%	11,7 / 8,6%	11,5 / 8,7%	8,2 / 12,2%
NIM	5,23%	4,82%	5,13%	0,00%	7,48%	5,40%	5,64%	6,95%	8,14%	8,23%	8,85%	5,61%
Return on assets	8,70%	8,15%	7,90%	0,00%	8,31%	8,00%	8,57%	9,60%	10,93%	11,94%	12,11%	10,83%
Cost of liabilities	3,72%	3,33%	3,23%	0,00%	2,97%	3,22%	3,07%	3,23%	3,30%	3,57%	3,87%	5,46%
Net spread	4,98%	4,82%	4,67%	0,00%	5,34%	4,78%	5,50%	6,37%	7,63%	8,37%	8,24%	5,37%
Cost / income	76,06%	95,18%	106,75%	0,00%	69,62%	83,71%	75,91%	105,48%	39,20%	49,16%	89,89%	182,41%
Cost of assets	7,06%	5,77%	6,21%	0,00%	5,35%	5,11%	5,28%	4,66%	5,57%	4,27%	6,26%	9,16%
Net assets	9 586 618	10 580 840	9 780 296	10 671 097	10 329 952	9 875 823	10 112 141	10 586 560	10 558 785	11 654 598	10 734 975	8 091 376
Average equity	980 894	1 020 139	1 061 523	1 086 294	995 130	1 057 033	1 027 314	1 049 100	1 070 674	997 606	931 021	988 216
Average % assets	7 679 172	7 946 923	8 008 462	8 782 725	8 670 945	8 302 860	8 062 964	8 808 829	8 456 653	9 356 267	8 766 230	6 466 863
Average % liabilities	8 433 970	9 375 737	8 592 307	9 377 970	9 176 422	8 701 636	8 957 367	9 432 247	9 443 063	10 605 946	9 631 588	6 939 387
NII	100 489	95 907	102 745	110 151	162 337	112 267	113 788	153 145	172 265	192 537	194 128	90 756
NCI	37 258	28 465	8 796	12 458	9 929	6 767	16 879	27 655	41 001	74 478	25 419	19 311
NCI / NII	37,1%	29,7%	8,6%	11,3%	6,1%	6,0%	14,8%	18,1%	23,8%	38,7%	13,1%	21,3%

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.