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Central Bank of Russia registration number: 3116

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	-0,53%	-0,18%	-1,40%	0,00%	-2,96%	-0,76%	-0,37%	0,89%	0,30%	-0,30%	-0,45%	0,09%
RoE	-2,40%	-0,88%	-6,42%	0,00%	-10,15%	-2,19%	-0,98%	2,19%	0,66%	-0,61%	-0,79%	0,18%
Leverage cap. adequacy	4,5 / 22,1%	4,8 / 20,6%	4,6 / 21,9%	4,3 / 23,4%	3,4 / 29,2%	2,9 / 34,9%	2,6 / 38,1%	2,5 / 40,7%	2,2 / 46,1%	2,0 / 49,6%	1,8 / 56,9%	1,8 / 54,9%
NIM	4,70%	4,64%	4,36%	0,00%	5,31%	4,98%	5,74%	6,35%	7,99%	8,16%	11,14%	14,35%
Return on assets	5,18%	5,19%	4,95%	0,00%	5,89%	5,50%	6,38%	6,98%	8,61%	8,77%	11,91%	15,07%
Cost of liabilities	0,24%	0,23%	0,24%	0,00%	0,35%	0,45%	0,59%	0,67%	0,84%	0,98%	1,33%	1,23%
Net spread	4,94%	4,96%	4,71%	0,00%	5,54%	5,05%	5,79%	6,31%	7,77%	7,79%	10,58%	13,84%
Cost / income	0,00%	0,00%	203,30%	0,00%	141,31%	120,79%	102,99%	73,94%	477,24%	81,36%	72,08%	43,74%
Cost of assets	8,77%	9,43%	10,13%	0,00%	9,64%	7,21%	7,04%	5,86%	8,76%	8,07%	10,00%	7,51%
Net assets	1 033 661	1 101 042	1 030 544	982 646	831 134	727 437	674 346	631 623	561 617	513 480	447 796	465 168
Average equity	228 528	227 316	226 059	230 256	242 838	254 087	257 046	257 276	258 863	254 670	255 009	255 560
Average % assets	419 637	359 907	331 092	334 223	354 732	407 143	389 343	393 845	405 290	416 198	328 845	353 567
Average % liabilities	801 649	858 717	800 514	746 713	585 270	471 086	415 144	370 226	299 790	256 250	190 160	204 185
NII	19 763	12 535	7 218	3 302	18 859	15 207	11 191	6 258	32 401	25 490	18 322	12 692
NCI	1 042	727	520	243	1 305	1 002	663	341	1 317	906	561	230
NCI / NII	5,3%	5,8%	7,2%	7,4%	6,9%	6,6%	5,9%	5,4%	4,1%	3,6%	3,1%	1,8%

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	-1,54%	2,08%	-1,21%	0,00%	-9,85%	-1,60%	-1,58%	0,89%	2,04%	-0,11%	-1,01%	0,09%
RoE	-6,98%	10,11%	-5,53%	0,00%	-33,73%	-4,59%	-4,16%	2,19%	4,44%	-0,23%	-1,77%	0,18%
Leverage cap. adequacy	4,5 / 22,1%	4,8 / 20,6%	4,6 / 21,9%	4,3 / 23,4%	3,4 / 29,2%	2,9 / 34,9%	2,6 / 38,1%	2,5 / 40,7%	2,2 / 46,1%	2,0 / 49,6%	1,8 / 56,9%	1,8 / 54,9%
NIM	6,88%	5,90%	4,73%	0,00%	4,11%	3,94%	5,06%	6,35%	6,82%	6,88%	6,84%	14,35%
Return on assets	7,37%	6,46%	5,33%	0,00%	4,62%	4,31%	5,70%	6,98%	7,44%	7,50%	7,62%	15,07%
Cost of liabilities	0,25%	0,23%	0,24%	0,00%	0,30%	0,31%	0,59%	0,67%	0,84%	0,99%	1,33%	1,23%
Net spread	7,12%	6,23%	5,09%	0,00%	4,32%	4,00%	5,11%	6,31%	6,60%	6,51%	6,29%	13,84%
Cost / income	141,50%	0,00%	174,10%	0,00%	205,25%	168,70%	144,29%	73,94%	0,00%	103,76%	131,93%	43,74%
Cost of assets	10,88%	9,67%	9,47%	0,00%	13,61%	8,18%	8,14%	5,86%	12,29%	9,04%	11,77%	7,51%
Net assets	1 033 661	1 101 042	1 030 544	982 646	831 134	727 437	674 346	631 623	561 617	513 480	447 796	465 168
Average equity	228 528	227 316	226 059	230 256	242 838	254 087	257 046	257 276	258 863	254 670	255 009	255 560
Average % assets	419 637	359 907	331 092	334 223	354 732	407 143	389 343	393 845	405 290	416 198	328 845	353 567
Average % liabilities	801 649	858 717	800 514	746 713	585 270	471 086	415 144	370 226	299 790	256 250	190 160	204 185
NII	7 228	5 317	3 916	3 302	3 652	4 016	4 933	6 258	6 911	7 168	5 630	12 692
NCI	315	207	277	243	303	339	322	341	411	345	331	230
NCI / NII	4,4%	3,9%	7,1%	7,4%	8,3%	8,4%	6,5%	5,4%	5,9%	4,8%	5,9%	1,8%

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.