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Central Bank of Russia registration number: 3077  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	-0,92%	0,01%	0,07%	0,00%	0,08%	0,03%	0,46%	0,38%	0,03%	-0,55%	-1,13%	-1,31%
RoE	-5,90%	0,07%	0,45%	0,00%	0,55%	0,24%	2,88%	2,41%	0,19%	-3,21%	-6,72%	-6,80%
Leverage cap. adequacy	6,4 / 15,6%	6,0 / 16,5%	6,1 / 16,4%	6,4 / 15,6%	6,4 / 15,6%	6,3 / 15,8%	6,3 / 16,0%	6,2 / 16,0%	5,7 / 17,5%	5,8 / 17,1%	5,9 / 16,9%	5,2 / 19,3%
NIM	3,05%	3,19%	3,12%	0,00%	2,88%	2,83%	2,89%	3,25%	5,23%	5,58%	5,33%	5,42%
Return on assets	6,57%	6,81%	6,55%	0,00%	6,67%	6,75%	6,97%	7,34%	9,70%	10,13%	9,45%	8,92%
Cost of liabilities	3,54%	3,57%	3,55%	0,00%	3,83%	3,98%	4,02%	4,11%	4,74%	4,88%	4,66%	4,35%
Net spread	3,03%	3,24%	3,00%	0,00%	2,84%	2,77%	2,95%	3,23%	4,96%	5,25%	4,79%	4,57%
Cost / income	193,71%	132,60%	149,04%	0,00%	104,49%	100,51%	95,21%	95,75%	70,59%	71,30%	66,11%	71,31%
Cost of assets	4,27%	4,24%	3,91%	0,00%	4,11%	3,85%	3,94%	4,44%	5,05%	5,17%	4,81%	4,57%
Net assets	12 335 054	12 417 695	12 670 872	13 300 208	13 304 746	13 152 871	13 021 061	12 455 777	11 309 403	11 354 337	12 791 326	14 678 329
Average equity	1 925 462	2 052 530	2 077 863	2 081 315	2 078 774	2 079 433	2 077 891	1 998 648	1 984 390	1 946 082	2 167 589	2 829 302
Average % assets	9 956 757	9 676 938	10 311 139	10 943 322	10 995 490	10 847 084	10 399 146	10 160 706	8 926 216	8 916 497	10 075 834	11 008 276
Average % liabilities	10 074 911	10 024 864	10 268 515	10 887 325	10 849 543	10 659 449	10 548 335	10 124 140	9 031 744	9 116 132	10 220 935	11 217 903
NII	304 170	231 773	161 229	79 653	317 683	230 758	150 301	82 664	467 521	373 809	268 611	149 389
NCI	69 871	52 485	32 277	15 576	74 012	51 886	33 830	18 476	96 734	72 962	45 483	20 917
NCI / NII	23,0%	22,6%	20,0%	19,6%	23,3%	22,5%	22,5%	22,4%	20,7%	19,5%	16,9%	14,0%

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	-3,71%	-0,11%	0,14%	0,00%	0,22%	-0,79%	0,55%	0,38%	1,79%	0,91%	-0,77%	-1,31%
RoE	-23,82%	-0,71%	0,90%	0,00%	1,45%	-5,02%	3,45%	2,41%	10,20%	5,34%	-4,56%	-6,80%
Leverage cap. adequacy	6,4 / 15,6%	6,0 / 16,5%	6,1 / 16,4%	6,4 / 15,6%	6,4 / 15,6%	6,3 / 15,8%	6,3 / 16,0%	6,2 / 16,0%	5,7 / 17,5%	5,8 / 17,1%	5,9 / 16,9%	5,2 / 19,3%
NIM	2,90%	2,91%	3,16%	0,00%	3,16%	2,96%	2,60%	3,25%	4,19%	4,71%	4,73%	5,42%
Return on assets	6,45%	6,47%	6,41%	0,00%	6,70%	6,87%	6,77%	7,34%	8,44%	9,02%	9,16%	8,92%
Cost of liabilities	3,50%	3,43%	3,39%	0,00%	3,58%	3,98%	4,11%	4,11%	4,16%	4,19%	4,54%	4,35%
Net spread	2,95%	3,04%	3,02%	0,00%	3,12%	2,89%	2,66%	3,23%	4,28%	4,83%	4,62%	4,57%
Cost / income	0,00%	109,77%	158,59%	0,00%	114,77%	112,18%	94,57%	95,75%	68,37%	87,85%	61,25%	71,31%
Cost of assets	4,74%	4,41%	4,42%	0,00%	5,05%	4,03%	3,54%	4,44%	4,74%	4,56%	4,60%	4,57%
Net assets	12 335 054	12 417 695	12 670 872	13 300 208	13 304 746	13 152 871	13 021 061	12 455 777	11 309 403	11 354 337	12 791 326	14 678 329
Average equity	1 925 462	2 052 530	2 077 863	2 081 315	2 078 774	2 079 433	2 077 891	1 998 648	1 984 390	1 946 082	2 167 589	2 829 302
Average % assets	9 956 757	9 676 938	10 311 139	10 943 322	10 995 490	10 847 084	10 399 146	10 160 706	8 926 216	8 916 497	10 075 834	11 008 276
Average % liabilities	10 074 911	10 024 864	10 268 515	10 887 325	10 849 543	10 659 449	10 548 335	10 124 140	9 031 744	9 116 132	10 220 935	11 217 903
NII	72 397	70 544	81 576	79 653	86 925	80 457	67 637	82 664	93 712	105 198	119 222	149 389
NCI	17 386	20 208	16 701	15 576	22 126	18 056	15 354	18 476	23 772	27 479	24 566	20 917
NCI / NII	24,0%	28,6%	20,5%	19,6%	25,5%	22,4%	22,7%	22,4%	25,4%	26,1%	20,6%	14,0%

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.