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Central Bank of Russia registration number: 2905  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	1,97%	1,38%	0,69%	0,00%	3,17%	2,89%	2,92%	2,79%	3,07%	2,78%	3,37%	3,24%
RoE	5,56%	3,81%	2,06%	0,00%	10,06%	8,89%	9,07%	9,00%	9,47%	8,20%	9,74%	9,61%
Leverage cap. adequacy	2,8 / 35,4%	2,8 / 36,2%	3,0 / 33,7%	3,0 / 32,9%	3,2 / 31,6%	3,1 / 32,5%	3,1 / 32,2%	3,2 / 31,0%	3,1 / 32,4%	2,9 / 34,0%	2,9 / 34,6%	3,0 / 33,7%
NIM	12,65%	14,06%	14,65%	0,00%	20,75%	18,80%	13,87%	12,48%	12,64%	12,27%	12,07%	11,41%
Return on assets	12,79%	13,98%	14,72%	0,00%	18,66%	16,39%	15,65%	14,75%	14,18%	14,18%	14,03%	13,79%
Cost of liabilities	2,11%	2,17%	2,00%	0,00%	2,35%	2,65%	3,03%	3,22%	3,16%	3,50%	3,75%	3,63%
Net spread	10,68%	11,81%	12,72%	0,00%	16,31%	13,74%	12,62%	11,53%	11,02%	10,68%	10,28%	10,16%
Cost / income	76,90%	78,00%	79,23%	0,00%	55,22%	53,67%	58,31%	60,04%	75,83%	75,17%	76,43%	83,34%
Cost of assets	18,12%	20,10%	22,55%	0,00%	21,64%	17,87%	16,37%	16,49%	17,21%	16,86%	17,36%	17,01%
Net assets	4 260 597	4 076 970	4 243 045	4 417 760	4 546 151	4 303 635	4 261 578	4 339 368	4 073 599	3 789 115	3 636 427	3 635 732
Average equity	1 509 033	1 476 749	1 428 618	1 451 511	1 434 869	1 399 216	1 371 746	1 346 983	1 321 603	1 288 335	1 258 211	1 226 196
Average % assets	1 843 339	1 630 132	1 443 112	1 330 647	1 528 702	1 829 005	2 006 817	2 292 354	2 332 924	2 263 436	2 187 332	2 114 749
Average % liabilities	2 611 953	2 458 450	2 685 222	2 828 078	2 967 507	2 760 969	2 723 925	2 841 467	2 716 807	2 469 003	2 344 001	2 386 293
NII	233 246	172 017	105 774	45 953	317 342	257 899	139 247	71 526	295 048	208 347	132 068	60 352
NCI	101 013	69 845	43 211	20 991	140 846	91 679	67 879	32 768	142 412	105 510	75 804	30 595
NCI / NII	43,3%	40,6%	40,9%	45,7%	44,4%	35,5%	48,7%	45,8%	48,3%	50,6%	57,4%	50,7%

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	3,91%	2,70%	6,01%	0,00%	4,50%	2,88%	2,99%	2,79%	4,51%	1,89%	3,50%	3,24%
RoE	11,06%	7,45%	17,87%	0,00%	14,26%	8,87%	9,31%	9,00%	13,92%	5,57%	10,12%	9,61%
Leverage cap. adequacy	2,8 / 35,4%	2,8 / 36,2%	3,0 / 33,7%	3,0 / 32,9%	3,2 / 31,6%	3,1 / 32,5%	3,1 / 32,2%	3,2 / 31,0%	3,1 / 32,4%	2,9 / 34,0%	2,9 / 34,6%	3,0 / 33,7%
NIM	13,28%	16,25%	16,58%	0,00%	15,55%	25,94%	13,49%	12,48%	14,86%	13,48%	13,11%	11,41%
Return on assets	14,09%	15,88%	15,81%	0,00%	15,82%	14,82%	14,44%	14,75%	15,43%	15,43%	14,73%	13,79%
Cost of liabilities	2,33%	2,13%	1,96%	0,00%	2,01%	1,97%	2,70%	3,22%	3,11%	3,38%	3,81%	3,63%
Net spread	11,76%	13,75%	13,85%	0,00%	13,81%	12,85%	11,74%	11,53%	12,32%	12,05%	10,92%	10,16%
Cost / income	74,02%	75,72%	74,79%	0,00%	59,82%	46,17%	56,06%	60,04%	77,43%	72,84%	71,17%	83,34%
Cost of assets	19,30%	20,51%	22,39%	0,00%	23,60%	17,62%	13,64%	16,49%	20,41%	17,14%	18,36%	17,01%
Net assets	4 260 597	4 076 970	4 243 045	4 417 760	4 546 151	4 303 635	4 261 578	4 339 368	4 073 599	3 789 115	3 636 427	3 635 732
Average equity	1 509 033	1 476 749	1 428 618	1 451 511	1 434 869	1 399 216	1 371 746	1 346 983	1 321 603	1 288 335	1 258 211	1 226 196
Average % assets	1 843 339	1 630 132	1 443 112	1 330 647	1 528 702	1 829 005	2 006 817	2 292 354	2 332 924	2 263 436	2 187 332	2 114 749
Average % liabilities	2 611 953	2 458 450	2 685 222	2 828 078	2 967 507	2 760 969	2 723 925	2 841 467	2 716 807	2 469 003	2 344 001	2 386 293
NII	61 229	66 243	59 821	45 953	59 443	118 652	67 721	71 526	86 701	76 279	71 716	60 352
NCI	31 168	26 634	22 220	20 991	49 167	23 800	35 111	32 768	36 902	29 706	45 209	30 595
NCI / NII	50,9%	40,2%	37,1%	45,7%	82,7%	20,1%	51,8%	45,8%	42,6%	38,9%	63,0%	50,7%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.