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Central Bank of Russia registration number: 2914  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	1,50%	1,56%	2,55%	0,00%	1,41%	1,89%	0,91%	1,36%	1,01%	0,65%	0,43%	0,62%
RoE	15,62%	14,71%	30,26%	0,00%	14,01%	19,35%	10,06%	18,81%	15,42%	9,49%	5,27%	6,93%
Leverage cap. adequacy	10,4 / 9,6%	9,4 / 10,6%	11,9 / 8,4%	11,1 / 9,0%	9,9 / 10,1%	10,2 / 9,8%	11,0 / 9,1%	13,7 / 7,3%	15,3 / 6,6%	14,6 / 6,9%	12,2 / 8,2%	11,1 / 9,0%
NIM	3,94%	4,35%	3,86%	0,00%	5,13%	5,24%	5,47%	3,62%	2,88%	2,89%	4,01%	4,84%
Return on assets	5,16%	5,60%	4,78%	0,00%	5,53%	5,63%	5,61%	5,42%	4,94%	5,03%	6,70%	7,19%
Cost of liabilities	1,46%	1,65%	1,36%	0,00%	1,49%	1,65%	1,76%	1,76%	1,88%	1,91%	2,25%	2,26%
Net spread	3,70%	3,95%	3,42%	0,00%	4,04%	3,98%	3,85%	3,66%	3,06%	3,12%	4,45%	4,93%
Cost / income	42,24%	40,83%	43,21%	0,00%	31,86%	31,46%	31,01%	47,68%	33,95%	32,28%	32,12%	34,14%
Cost of assets	1,82%	2,03%	1,73%	0,00%	1,88%	1,87%	1,87%	1,84%	1,64%	1,76%	2,59%	2,59%
Net assets	40 192 006	35 617 427	41 536 239	39 382 681	35 003 209	34 028 549	37 813 972	44 239 745	46 059 904	44 520 792	35 495 759	33 166 299
Average equity	3 872 673	3 790 314	3 502 439	3 561 911	3 523 918	3 333 782	3 443 017	3 221 631	3 018 515	3 057 747	2 914 727	2 981 529
Average % assets	36 691 868	33 190 299	39 245 936	37 579 449	34 498 227	34 715 591	36 561 266	39 797 342	38 966 142	36 744 765	27 001 495	28 680 287
Average % liabilities	36 028 597	31 486 908	37 654 125	35 436 904	31 076 972	30 281 105	33 903 112	40 616 511	42 876 407	41 284 875	32 372 591	30 043 695
NII	1 447 065	1 084 797	758 834	339 071	1 772 618	1 364 354	1 001 145	360 800	1 124 063	796 785	542 422	347 528
NCI	181 345	132 961	77 087	36 683	169 562	116 864	73 999	34 804	134 150	95 798	65 222	35 189
NCI / NII	12,5%	12,3%	10,2%	10,8%	9,6%	8,6%	7,4%	9,6%	11,9%	12,0%	12,0%	10,1%

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	1,85%	-1,25%	4,16%	0,00%	0,11%	3,65%	0,22%	1,36%	2,15%	1,26%	0,28%	0,62%
RoE	19,26%	-11,78%	49,37%	0,00%	1,12%	37,27%	2,52%	18,81%	32,83%	18,43%	3,45%	6,93%
Leverage cap. adequacy	10,4 / 9,6%	9,4 / 10,6%	11,9 / 8,4%	11,1 / 9,0%	9,9 / 10,1%	10,2 / 9,8%	11,0 / 9,1%	13,7 / 7,3%	15,3 / 6,6%	14,6 / 6,9%	12,2 / 8,2%	11,1 / 9,0%
NIM	3,94%	3,92%	4,27%	0,00%	4,73%	4,18%	7,00%	3,62%	3,35%	2,76%	2,88%	4,84%
Return on assets	5,44%	5,50%	4,82%	0,00%	5,15%	5,06%	5,33%	5,42%	5,54%	5,25%	5,75%	7,19%
Cost of liabilities	1,52%	1,68%	1,39%	0,00%	1,11%	1,02%	1,41%	1,76%	1,99%	2,21%	2,41%	2,26%
Net spread	3,92%	3,82%	3,43%	0,00%	4,04%	4,04%	3,92%	3,66%	3,55%	3,04%	3,34%	4,93%
Cost / income	47,02%	36,48%	35,57%	0,00%	33,13%	32,62%	22,06%	47,68%	40,47%	32,65%	30,01%	34,14%
Cost of assets	1,84%	1,92%	1,71%	0,00%	1,90%	1,63%	1,73%	1,84%	1,59%	1,61%	2,37%	2,59%
Net assets	40 192 006	35 617 427	41 536 239	39 382 681	35 003 209	34 028 549	37 813 972	44 239 745	46 059 904	44 520 792	35 495 759	33 166 299
Average equity	3 872 673	3 790 314	3 502 439	3 561 911	3 523 918	3 333 782	3 443 017	3 221 631	3 018 515	3 057 747	2 914 727	2 981 529
Average % assets	36 691 868	33 190 299	39 245 936	37 579 449	34 498 227	34 715 591	36 561 266	39 797 342	38 966 142	36 744 765	27 001 495	28 680 287
Average % liabilities	36 028 597	31 486 908	37 654 125	35 436 904	31 076 972	30 281 105	33 903 112	40 616 511	42 876 407	41 284 875	32 372 591	30 043 695
NII	362 268	325 963	419 763	339 071	408 264	363 209	640 345	360 800	327 278	254 363	194 894	347 528
NCI	48 384	55 874	40 404	36 683	52 698	42 865	39 195	34 804	38 352	30 576	30 033	35 189
NCI / NII	13,4%	17,1%	9,6%	10,8%	12,9%	11,8%	6,1%	9,6%	11,7%	12,0%	15,4%	10,1%

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.