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Central Bank of Russia registration number: 2763  under resolution, CB RF representative

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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	0,71%	1,89%	2,25%	0,00%	0,58%	1,35%	0,95%	1,76%	-0,48%	-0,22%	0,11%	0,93%
RoE	-15,33%	-42,99%	-44,32%	0,00%	-13,06%	-29,50%	-19,61%	-34,22%	9,89%	4,76%	-2,38%	-18,29%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	1,32%	1,55%	1,77%	0,00%	1,34%	1,35%	1,27%	0,98%	0,60%	0,58%	0,49%	0,63%
Return on assets	7,87%	7,74%	7,85%	0,00%	8,11%	8,18%	8,14%	8,02%	8,08%	8,09%	7,88%	7,88%
Cost of liabilities	5,25%	5,08%	5,00%	0,00%	5,58%	5,73%	5,78%	5,94%	6,38%	6,35%	6,32%	6,35%
Net spread	2,62%	2,66%	2,85%	0,00%	2,53%	2,45%	2,36%	2,08%	1,70%	1,74%	1,56%	1,53%
Cost / income	39,82%	36,50%	33,20%	0,00%	44,16%	41,16%	44,93%	38,47%	70,47%	67,27%	61,56%	51,00%
Cost of assets	1,83%	1,85%	1,96%	0,00%	1,92%	1,82%	1,75%	1,72%	1,90%	1,82%	1,75%	1,49%
Net assets	180 323 142	176 542 613	169 390 557	168 835 795	168 983 531	168 561 651	171 767 738	169 684 990	170 036 010	171 794 650	171 308 717	166 631 709
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	148 211 729	147 610 448	143 258 612	143 461 190	143 175 606	143 392 017	146 058 073	147 005 807	148 951 220	149 160 193	151 014 307	147 681 482
Average % liabilities	187 329 989	182 956 849	176 467 774	175 774 757	175 034 852	174 744 479	178 644 992	177 056 228	177 321 030	179 210 091	178 683 673	173 646 651
NII	1 967 108	1 720 793	1 270 125	637 388	1 927 636	1 460 343	929 565	363 710	894 561	657 279	374 272	234 593
NCI	127 629	93 321	64 538	29 036	179 746	134 464	85 834	50 032	101 023	58 607	21 026	26 627
NCI / NII	6,5%	5,4%	5,1%	4,6%	9,3%	9,2%	9,2%	13,8%	11,3%	8,9%	5,6%	11,4%

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	-2,71%	1,35%	2,11%	0,00%	-1,71%	2,11%	0,15%	1,76%	-1,23%	-0,91%	-0,67%	0,93%
RoE	58,50%	-30,74%	-41,61%	0,00%	38,54%	-46,17%	-3,20%	-34,22%	25,34%	19,10%	13,88%	-18,29%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	0,66%	1,22%	1,76%	0,00%	1,30%	1,48%	1,54%	0,98%	0,63%	0,75%	0,36%	0,63%
Return on assets	8,35%	7,98%	7,80%	0,00%	7,85%	7,96%	8,21%	8,02%	8,02%	8,31%	8,05%	7,88%
Cost of liabilities	6,12%	5,58%	5,07%	0,00%	5,15%	5,37%	5,67%	5,94%	6,28%	6,45%	6,47%	6,35%
Net spread	2,23%	2,40%	2,73%	0,00%	2,70%	2,59%	2,54%	2,08%	1,74%	1,86%	1,58%	1,53%
Cost / income	54,40%	46,40%	32,44%	0,00%	53,71%	35,37%	53,67%	38,47%	80,55%	81,33%	72,51%	51,00%
Cost of assets	1,86%	1,76%	1,96%	0,00%	2,23%	1,85%	1,78%	1,72%	2,10%	1,91%	2,02%	1,49%
Net assets	180 323 142	176 542 613	169 390 557	168 835 795	168 983 531	168 561 651	171 767 738	169 684 990	170 036 010	171 794 650	171 308 717	166 631 709
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	148 211 729	147 610 448	143 258 612	143 461 190	143 175 606	143 392 017	146 058 073	147 005 807	148 951 220	149 160 193	151 014 307	147 681 482
Average % liabilities	187 329 989	182 956 849	176 467 774	175 774 757	175 034 852	174 744 479	178 644 992	177 056 228	177 321 030	179 210 091	178 683 673	173 646 651
NII	246 315	450 668	632 737	637 388	467 293	530 778	565 855	363 710	237 282	283 007	139 679	234 593
NCI	34 308	28 783	35 502	29 036	45 282	48 630	35 802	50 032	42 416	37 581	0	26 627
NCI / NII	13,9%	6,4%	5,6%	4,6%	9,7%	9,2%	6,3%	13,8%	17,9%	13,3%	0,0%	11,4%

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.