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Central Bank of Russia registration number: 2884

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	-5,19%	-5,82%	-7,16%	0,00%	0,83%	1,18%	1,47%	3,02%	-16,89%	-3,07%	-5,55%	0,00%
RoE	-14,13%	-17,70%	-19,40%	0,00%	2,85%	3,48%	4,38%	5,75%	-21,95%	-3,71%	-6,63%	0,00%
Leverage cap. adequacy	2,7 / 36,8%	3,0 / 32,9%	2,7 / 36,9%	3,2 / 31,0%	3,4 / 29,2%	2,9 / 34,0%	3,0 / 33,7%	1,9 / 52,6%	1,3 / 76,9%	1,2 / 82,7%	1,2 / 83,8%	1,3 / 76,8%
NIM	6,19%	3,83%	3,71%	0,00%	3,82%	4,95%	4,95%	5,08%	11,91%	13,76%	16,24%	21,64%
Return on assets	5,28%	4,10%	3,95%	0,00%	4,46%	5,98%	6,09%	5,69%	12,02%	13,86%	16,41%	21,94%
Cost of liabilities	0,56%	0,50%	0,37%	0,00%	0,69%	1,11%	1,47%	1,24%	0,49%	0,63%	1,02%	1,27%
Net spread	4,72%	3,60%	3,58%	0,00%	3,77%	4,87%	4,62%	4,45%	11,53%	13,23%	15,39%	20,67%
Cost / income	144,87%	167,74%	228,83%	0,00%	89,06%	87,79%	87,06%	75,94%	56,82%	51,27%	46,25%	32,64%
Cost of assets	16,67%	13,54%	15,75%	0,00%	7,99%	9,28%	8,52%	10,29%	13,21%	14,50%	15,24%	12,87%
Net assets	245 858	279 639	257 066	321 133	350 981	298 854	301 321	357 308	640 967	650 998	654 165	730 157
Average equity	90 459	91 956	94 864	99 615	102 639	101 465	101 404	187 777	493 197	538 303	547 921	561 105
Average % assets	198 459	235 500	206 750	267 500	263 000	210 500	252 750	329 946	616 211	591 929	584 591	631 876
Average % liabilities	124 596	128 498	136 434	210 569	238 768	194 013	196 626	163 207	134 194	98 631	91 993	147 980
NII	12 289	6 770	3 837	2 115	10 064	7 826	6 257	4 191	73 417	61 090	47 497	34 195
NCI	9 828	6 883	2 687	1 147	8 496	4 863	2 449	1 376	4 817	3 505	2 388	1 315
NCI / NII	80,0%	101,7%	70,0%	54,2%	84,4%	62,1%	39,1%	32,8%	6,6%	5,7%	5,0%	3,8%

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	-0,93%	-4,29%	-14,32%	0,00%	0,31%	0,57%	-0,63%	3,02%	-58,20%	1,94%	-11,10%	0,00%
RoE	-2,53%	-13,06%	-38,81%	0,00%	1,06%	1,68%	-1,87%	5,75%	-75,65%	2,34%	-13,26%	0,00%
Leverage cap. adequacy	2,7 / 36,8%	3,0 / 32,9%	2,7 / 36,9%	3,2 / 31,0%	3,4 / 29,2%	2,9 / 34,0%	3,0 / 33,7%	1,9 / 52,6%	1,3 / 76,9%	1,2 / 82,7%	1,2 / 83,8%	1,3 / 76,8%
NIM	11,12%	4,98%	3,33%	0,00%	3,40%	2,98%	3,26%	5,08%	8,00%	9,18%	9,10%	21,64%
Return on assets	6,52%	5,37%	3,68%	0,00%	3,48%	3,30%	4,75%	5,69%	8,12%	9,18%	9,10%	21,94%
Cost of liabilities	0,70%	0,71%	0,53%	0,00%	0,08%	0,35%	1,91%	1,24%	0,56%	0,00%	0,00%	1,27%
Net spread	5,82%	4,66%	3,15%	0,00%	3,40%	2,95%	2,84%	4,45%	7,56%	9,18%	9,10%	20,67%
Cost / income	106,87%	106,87%	221,15%	0,00%	92,11%	89,91%	117,43%	75,94%	82,03%	67,31%	78,40%	32,64%
Cost of assets	18,48%	12,96%	15,34%	0,00%	9,68%	7,38%	6,16%	10,29%	13,75%	13,60%	15,37%	12,87%
Net assets	245 858	279 639	257 066	321 133	350 981	298 854	301 321	357 308	640 967	650 998	654 165	730 157
Average equity	90 459	91 956	94 864	99 615	102 639	101 465	101 404	187 777	493 197	538 303	547 921	561 105
Average % assets	198 459	235 500	206 750	267 500	263 000	210 500	252 750	329 946	616 211	591 929	584 591	631 876
Average % liabilities	124 596	128 498	136 434	210 569	238 768	194 013	196 626	163 207	134 194	98 631	91 993	147 980
NII	5 519	2 933	1 722	2 115	2 238	1 569	2 066	4 191	12 327	13 593	13 302	34 195
NCI	2 945	4 196	1 540	1 147	3 633	2 414	1 073	1 376	1 312	1 117	1 073	1 315
NCI / NII	53,4%	143,1%	89,4%	54,2%	162,3%	153,9%	51,9%	32,8%	10,6%	8,2%	8,1%	3,8%

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.