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Central Bank of Russia registration number: 2879  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions2 Discuss6

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	3,21%	3,87%	3,63%	0,00%	4,33%	3,93%	4,48%	3,26%	6,57%	5,66%	3,07%	4,22%
RoE	16,99%	19,90%	18,56%	0,00%	21,53%	17,99%	19,77%	14,20%	29,15%	26,57%	14,49%	20,52%
Leverage cap. adequacy	5,3 / 18,9%	5,1 / 19,5%	5,1 / 19,6%	5,2 / 19,4%	5,0 / 20,1%	4,6 / 21,9%	4,4 / 22,7%	4,3 / 23,0%	4,4 / 22,6%	4,7 / 21,3%	4,7 / 21,2%	4,9 / 20,6%
NIM	3,71%	3,62%	3,70%	0,00%	4,09%	4,26%	4,49%	4,57%	5,58%	5,67%	5,78%	6,53%
Return on assets	4,46%	4,32%	4,37%	0,00%	4,96%	5,30%	5,63%	5,80%	6,94%	7,04%	7,15%	7,81%
Cost of liabilities	1,23%	1,14%	1,10%	0,00%	1,40%	1,60%	1,77%	1,90%	2,15%	2,22%	2,21%	2,07%
Net spread	3,23%	3,18%	3,27%	0,00%	3,56%	3,70%	3,86%	3,90%	4,79%	4,82%	4,94%	5,74%
Cost / income	59,03%	53,49%	57,71%	0,00%	43,43%	39,04%	38,34%	30,58%	39,25%	39,31%	42,68%	42,09%
Cost of assets	7,93%	7,46%	8,07%	0,00%	8,15%	8,20%	8,15%	8,82%	9,56%	9,48%	9,32%	9,04%
Net assets	130 032 125	131 799 848	129 818 234	131 575 057	126 456 076	120 416 197	116 491 932	117 884 991	114 547 789	112 089 026	114 468 669	116 303 476
Average equity	24 627 949	25 676 218	25 404 119	25 472 381	25 479 586	26 339 758	26 426 553	27 121 218	25 846 490	23 879 638	24 269 210	23 949 386
Average % assets	124 463 828	124 376 457	119 411 387	120 209 461	116 583 690	111 207 573	109 564 443	111 655 287	105 139 429	105 931 376	108 778 660	111 108 505
Average % liabilities	101 704 528	102 504 583	100 753 659	102 647 869	97 289 375	90 365 328	86 505 844	87 823 444	86 328 774	85 801 281	87 957 730	90 071 128
NII	4 619 704	3 384 484	2 212 834	1 128 279	4 770 903	3 554 052	2 463 928	1 277 984	5 871 888	4 507 555	3 147 859	1 814 225
NCI	6 799 454	5 102 868	3 432 124	1 624 370	6 168 645	4 313 839	2 771 428	1 497 368	8 508 693	6 358 531	4 246 719	2 099 815
NCI / NII	147,2%	150,8%	155,1%	144,0%	129,3%	121,4%	112,5%	117,2%	144,9%	141,1%	134,9%	115,7%

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	1,08%	4,47%	5,56%	0,00%	6,11%	3,12%	5,66%	3,26%	9,69%	10,70%	1,85%	4,22%
RoE	5,72%	22,97%	28,42%	0,00%	30,33%	14,30%	24,96%	14,20%	42,97%	50,24%	8,74%	20,52%
Leverage cap. adequacy	5,3 / 18,9%	5,1 / 19,5%	5,1 / 19,6%	5,2 / 19,4%	5,0 / 20,1%	4,6 / 21,9%	4,4 / 22,7%	4,3 / 23,0%	4,4 / 22,6%	4,7 / 21,3%	4,7 / 21,2%	4,9 / 20,6%
NIM	3,96%	3,76%	3,63%	0,00%	4,17%	3,92%	4,32%	4,57%	5,19%	5,13%	4,90%	6,53%
Return on assets	4,90%	4,57%	4,31%	0,00%	4,68%	4,80%	5,34%	5,80%	6,48%	6,44%	6,32%	7,81%
Cost of liabilities	1,46%	1,27%	1,13%	0,00%	1,15%	1,41%	1,62%	1,90%	1,96%	2,14%	2,30%	2,07%
Net spread	3,44%	3,30%	3,18%	0,00%	3,53%	3,39%	3,72%	3,90%	4,52%	4,30%	4,02%	5,74%
Cost / income	78,12%	46,14%	57,91%	0,00%	60,03%	40,39%	55,94%	30,58%	39,08%	33,87%	43,29%	42,09%
Cost of assets	9,45%	7,04%	8,09%	0,00%	9,43%	8,72%	7,28%	8,82%	10,17%	9,39%	9,29%	9,04%
Net assets	130 032 125	131 799 848	129 818 234	131 575 057	126 456 076	120 416 197	116 491 932	117 884 991	114 547 789	112 089 026	114 468 669	116 303 476
Average equity	24 627 949	25 676 218	25 404 119	25 472 381	25 479 586	26 339 758	26 426 553	27 121 218	25 846 490	23 879 638	24 269 210	23 949 386
Average % assets	124 463 828	124 376 457	119 411 387	120 209 461	116 583 690	111 207 573	109 564 443	111 655 287	105 139 429	105 931 376	108 778 660	111 108 505
Average % liabilities	101 704 528	102 504 583	100 753 659	102 647 869	97 289 375	90 365 328	86 505 844	87 823 444	86 328 774	85 801 281	87 957 730	90 071 128
NII	1 235 220	1 171 650	1 084 555	1 128 279	1 216 851	1 090 124	1 185 944	1 277 984	1 364 333	1 359 696	1 333 634	1 814 225
NCI	1 696 586	1 670 744	1 807 754	1 624 370	1 854 806	1 542 411	1 274 060	1 497 368	2 150 162	2 111 812	2 146 904	2 099 815
NCI / NII	137,4%	142,6%	166,7%	144,0%	152,4%	141,5%	107,4%	117,2%	157,6%	155,3%	161,0%	115,7%

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.