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Central Bank of Russia registration number: 3013  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	3,70%	4,85%	7,24%	0,00%	4,82%	4,07%	7,55%	12,06%	10,99%	7,56%	7,42%	7,92%
RoE	7,41%	9,83%	14,82%	0,00%	12,45%	9,73%	14,31%	20,94%	17,83%	12,17%	10,94%	11,48%
Leverage cap. adequacy	2,0 / 50,0%	2,0 / 49,4%	2,0 / 48,9%	2,3 / 43,0%	2,6 / 38,7%	2,4 / 41,9%	1,9 / 52,8%	1,7 / 57,6%	1,6 / 61,7%	1,6 / 62,2%	1,5 / 67,8%	1,4 / 69,0%
NIM	10,31%	10,74%	11,06%	0,00%	7,87%	7,98%	8,56%	8,98%	9,02%	9,15%	9,20%	9,29%
Return on assets	7,55%	7,56%	7,54%	0,00%	7,66%	8,41%	8,78%	8,62%	9,27%	9,40%	9,38%	9,45%
Cost of liabilities	1,20%	1,26%	1,29%	0,00%	1,27%	1,39%	2,09%	2,47%	1,04%	1,10%	0,92%	0,87%
Net spread	6,35%	6,30%	6,25%	0,00%	6,39%	7,02%	6,69%	6,15%	8,23%	8,30%	8,46%	8,58%
Cost / income	32,12%	28,73%	29,89%	0,00%	25,73%	28,06%	29,10%	41,69%	32,55%	31,36%	18,85%	20,45%
Cost of assets	5,15%	5,26%	5,38%	0,00%	4,24%	4,75%	4,89%	4,89%	3,84%	3,57%	3,38%	3,96%
Net assets	13 549 519	14 024 704	14 627 848	16 144 703	17 339 791	16 419 030	13 715 697	12 700 524	11 279 836	10 638 644	10 031 073	8 820 502
Average equity	6 772 631	6 931 454	7 149 213	6 946 480	6 717 865	6 874 363	7 239 724	7 318 526	6 956 749	6 616 047	6 800 419	6 089 263
Average % assets	15 882 296	15 421 668	15 124 213	15 386 086	15 538 553	14 442 896	14 281 184	14 792 773	14 709 177	14 795 485	14 750 252	14 370 120
Average % liabilities	5 698 601	5 971 902	6 385 602	8 069 228	9 440 757	8 305 511	5 295 711	4 329 344	3 529 592	3 238 501	2 820 140	2 692 411
NII	1 638 489	1 242 922	836 615	563 230	1 224 112	864 589	611 802	332 213	1 327 650	1 016 352	678 838	333 792
NCI	40 075	26 452	18 776	10 099	31 487	15 917	9 859	6 362	28 279	19 752	13 964	6 997
NCI / NII	2,4%	2,1%	2,2%	1,8%	2,6%	1,8%	1,6%	1,9%	2,1%	1,9%	2,1%	2,1%

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	-0,25%	-0,53%	2,32%	0,00%	7,72%	-0,39%	3,93%	12,06%	22,58%	8,70%	7,87%	7,92%
RoE	-0,50%	-1,08%	4,74%	0,00%	19,94%	-0,93%	7,45%	20,94%	36,61%	14,00%	11,61%	11,48%
Leverage cap. adequacy	2,0 / 50,0%	2,0 / 49,4%	2,0 / 48,9%	2,3 / 43,0%	2,6 / 38,7%	2,4 / 41,9%	1,9 / 52,8%	1,7 / 57,6%	1,6 / 61,7%	1,6 / 62,2%	1,5 / 67,8%	1,4 / 69,0%
NIM	9,96%	10,53%	7,23%	0,00%	9,25%	7,00%	7,83%	8,98%	8,46%	9,12%	9,35%	9,29%
Return on assets	8,19%	7,90%	7,69%	0,00%	7,17%	7,88%	8,63%	8,62%	8,73%	9,49%	9,55%	9,45%
Cost of liabilities	0,84%	1,01%	1,09%	0,00%	1,40%	1,52%	2,16%	2,47%	1,13%	1,71%	1,01%	0,87%
Net spread	7,35%	6,89%	6,60%	0,00%	5,77%	6,36%	6,47%	6,15%	7,60%	7,78%	8,54%	8,58%
Cost / income	48,77%	26,77%	40,40%	0,00%	20,28%	26,00%	21,90%	41,69%	35,15%	0,00%	17,42%	20,45%
Cost of assets	5,29%	5,45%	5,53%	0,00%	4,01%	4,43%	4,68%	4,89%	5,24%	4,11%	3,30%	3,96%
Net assets	13 549 519	14 024 704	14 627 848	16 144 703	17 339 791	16 419 030	13 715 697	12 700 524	11 279 836	10 638 644	10 031 073	8 820 502
Average equity	6 772 631	6 931 454	7 149 213	6 946 480	6 717 865	6 874 363	7 239 724	7 318 526	6 956 749	6 616 047	6 800 419	6 089 263
Average % assets	15 882 296	15 421 668	15 124 213	15 386 086	15 538 553	14 442 896	14 281 184	14 792 773	14 709 177	14 795 485	14 750 252	14 370 120
Average % liabilities	5 698 601	5 971 902	6 385 602	8 069 228	9 440 757	8 305 511	5 295 711	4 329 344	3 529 592	3 238 501	2 820 140	2 692 411
NII	395 567	406 307	273 385	563 230	359 523	252 787	279 589	332 213	311 298	337 514	345 046	333 792
NCI	13 623	7 676	8 677	10 099	15 570	6 058	3 497	6 362	8 527	5 788	6 967	6 997
NCI / NII	3,4%	1,9%	3,2%	1,8%	4,3%	2,4%	1,3%	1,9%	2,7%	1,7%	2,0%	2,1%

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.