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Central Bank of Russia registration number: 3001  CB RF representative, 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	1,79%	0,67%	0,34%	0,00%	1,13%	2,12%	1,97%	3,02%	1,34%	-0,47%	-0,67%	0,34%
RoE	17,12%	6,53%	3,10%	0,00%	9,79%	17,92%	17,22%	26,99%	12,43%	-4,59%	-6,22%	3,14%
Leverage cap. adequacy	9,5 / 10,5%	9,7 / 10,3%	9,1 / 11,0%	8,7 / 11,5%	8,7 / 11,5%	8,4 / 11,9%	8,7 / 11,5%	8,9 / 11,2%	9,2 / 10,8%	9,6 / 10,4%	9,2 / 10,9%	9,0 / 11,1%
NIM	3,10%	2,64%	2,32%	0,00%	1,34%	0,05%	0,00%	0,00%	1,11%	1,74%	1,93%	2,22%
Return on assets	5,94%	5,82%	5,55%	0,00%	5,56%	5,53%	5,59%	5,67%	6,04%	6,24%	6,28%	6,85%
Cost of liabilities	3,01%	2,99%	3,10%	0,00%	3,94%	5,22%	5,78%	7,28%	4,72%	4,55%	4,61%	4,46%
Net spread	2,93%	2,83%	2,45%	0,00%	1,62%	0,31%	-0,19%	-1,61%	1,32%	1,69%	1,67%	2,39%
Cost / income	54,94%	54,72%	52,51%	0,00%	64,81%	72,20%	85,99%	111,93%	69,45%	70,72%	67,13%	69,75%
Cost of assets	4,62%	4,85%	5,04%	0,00%	5,20%	5,05%	5,30%	5,16%	5,67%	5,94%	5,93%	6,00%
Net assets	40 198 251	38 624 779	37 416 548	36 866 253	35 660 916	35 696 774	35 603 645	35 206 042	33 176 475	32 078 910	31 353 369	30 974 076
Average equity	4 213 122	3 964 560	4 132 671	4 240 485	4 117 515	4 236 874	4 087 244	3 948 821	3 588 162	3 329 304	3 403 342	3 448 695
Average % assets	33 299 885	31 523 252	30 729 477	29 234 272	28 689 952	29 036 539	28 669 281	28 866 571	28 163 270	27 334 525	27 224 143	26 356 129
Average % liabilities	35 167 793	33 866 162	32 326 072	31 654 014	30 442 422	30 301 319	30 223 604	30 574 868	29 421 356	28 567 089	27 646 267	27 263 766
NII	1 034 734	625 060	357 967	139 627	384 539	12 170	0	0	314 785	358 550	263 377	146 841
NCI	724 956	513 241	324 701	147 544	574 934	410 765	257 559	122 232	687 559	517 984	341 030	167 948
NCI / NII	70,1%	82,1%	90,7%	105,7%	149,5%	3 375,2%	-	-	218,4%	144,5%	129,5%	114,4%

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	5,24%	1,34%	-4,44%	0,00%	-1,86%	2,43%	0,96%	3,02%	6,76%	-0,10%	-1,69%	0,34%
RoE	50,05%	13,12%	-40,24%	0,00%	-16,15%	20,55%	8,37%	26,99%	62,53%	-1,04%	-15,63%	3,14%
Leverage cap. adequacy	9,5 / 10,5%	9,7 / 10,3%	9,1 / 11,0%	8,7 / 11,5%	8,7 / 11,5%	8,4 / 11,9%	8,7 / 11,5%	8,9 / 11,2%	9,2 / 10,8%	9,6 / 10,4%	9,2 / 10,9%	9,0 / 11,1%
NIM	4,92%	3,38%	2,84%	0,00%	5,19%	1,15%	1,08%	0,00%	0,00%	1,39%	1,71%	2,22%
Return on assets	7,25%	6,64%	6,11%	0,00%	5,46%	5,56%	5,46%	5,67%	5,98%	6,21%	5,92%	6,85%
Cost of liabilities	3,41%	3,06%	3,14%	0,00%	0,17%	4,15%	4,18%	7,28%	5,60%	4,74%	4,82%	4,46%
Net spread	3,84%	3,58%	2,97%	0,00%	5,29%	1,41%	1,28%	-1,61%	0,38%	1,47%	1,10%	2,39%
Cost / income	55,58%	60,02%	80,16%	0,00%	50,67%	53,25%	70,35%	111,93%	65,80%	78,65%	64,85%	69,75%
Cost of assets	4,84%	4,70%	5,19%	0,00%	5,58%	4,70%	5,41%	5,16%	5,54%	6,17%	6,13%	6,00%
Net assets	40 198 251	38 624 779	37 416 548	36 866 253	35 660 916	35 696 774	35 603 645	35 206 042	33 176 475	32 078 910	31 353 369	30 974 076
Average equity	4 213 122	3 964 560	4 132 671	4 240 485	4 117 515	4 236 874	4 087 244	3 948 821	3 588 162	3 329 304	3 403 342	3 448 695
Average % assets	33 299 885	31 523 252	30 729 477	29 234 272	28 689 952	29 036 539	28 669 281	28 866 571	28 163 270	27 334 525	27 224 143	26 356 129
Average % liabilities	35 167 793	33 866 162	32 326 072	31 654 014	30 442 422	30 301 319	30 223 604	30 574 868	29 421 356	28 567 089	27 646 267	27 263 766
NII	409 674	267 093	218 340	139 627	372 369	83 939	77 483	0	0	95 173	116 536	146 841
NCI	211 715	188 540	177 157	147 544	164 169	153 206	135 327	122 232	169 575	176 954	173 082	167 948
NCI / NII	51,7%	70,6%	81,1%	105,7%	44,1%	182,5%	174,7%	-	-	185,9%	148,5%	114,4%

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.