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Central Bank of Russia registration number: 316  foreign-controlled, retail lending, retail funding, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions7

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	2,48%	3,52%	4,59%	0,00%	1,17%	1,02%	-0,70%	-0,37%	5,30%	6,44%	6,08%	7,37%
RoE	12,97%	16,24%	20,25%	0,00%	5,10%	4,64%	-3,42%	-1,79%	24,01%	29,42%	28,10%	35,76%
Leverage cap. adequacy	5,2 / 19,2%	4,6 / 21,7%	4,4 / 22,7%	4,4 / 22,8%	4,4 / 23,0%	4,5 / 22,2%	4,8 / 20,6%	4,7 / 21,1%	4,5 / 22,1%	4,6 / 21,9%	4,6 / 21,7%	4,9 / 20,6%
NIM	12,00%	13,53%	14,32%	0,00%	15,45%	14,80%	14,59%	14,51%	14,81%	14,90%	14,75%	14,12%
Return on assets	11,06%	12,29%	13,08%	0,00%	15,58%	15,37%	15,52%	15,70%	16,16%	16,44%	16,76%	16,53%
Cost of liabilities	4,72%	4,88%	5,10%	0,00%	6,76%	6,66%	6,53%	6,47%	6,40%	6,48%	6,55%	6,49%
Net spread	6,34%	7,41%	7,98%	0,00%	8,82%	8,71%	8,99%	9,23%	9,76%	9,96%	10,21%	10,04%
Cost / income	49,07%	47,30%	47,57%	0,00%	47,56%	45,17%	50,57%	51,71%	43,34%	42,03%	45,82%	55,26%
Cost of assets	7,83%	8,83%	10,01%	0,00%	9,42%	8,63%	8,63%	8,88%	8,60%	8,64%	9,24%	9,85%
Net assets	291 002 500	253 896 271	233 292 518	226 379 066	228 317 751	241 932 902	256 314 351	273 770 410	268 297 738	259 297 522	253 091 288	257 520 115
Average equity	55 850 827	55 115 393	52 921 671	51 673 972	52 406 376	53 634 044	52 915 887	57 798 330	59 286 355	56 766 220	54 823 859	53 093 476
Average % assets	280 034 529	244 683 246	224 810 198	220 126 927	223 805 481	236 785 463	246 755 220	261 382 170	258 404 946	250 911 232	243 209 532	247 618 738
Average % liabilities	216 200 062	184 481 783	167 868 385	162 299 862	164 152 863	177 436 421	192 938 915	206 105 389	201 400 283	196 358 065	192 693 922	200 026 911
NII	33 615 794	24 834 629	16 105 159	7 742 762	34 599 106	26 290 031	18 009 764	9 486 123	38 278 097	28 049 451	17 945 160	8 746 375
NCI	5 395 372	3 982 112	2 325 911	887 122	3 029 403	2 059 887	1 167 180	782 338	4 656 304	3 521 778	2 236 269	1 104 969
NCI / NII	16,1%	16,0%	14,4%	11,5%	8,8%	7,8%	6,5%	8,2%	12,2%	12,6%	12,5%	12,6%

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	0,73%	2,13%	4,14%	0,00%	1,41%	4,58%	-1,00%	-0,37%	2,55%	7,44%	4,67%	7,37%
RoE	3,80%	9,83%	18,28%	0,00%	6,15%	20,68%	-4,89%	-1,79%	11,55%	33,98%	21,56%	35,76%
Leverage cap. adequacy	5,2 / 19,2%	4,6 / 21,7%	4,4 / 22,7%	4,4 / 22,8%	4,4 / 23,0%	4,5 / 22,2%	4,8 / 20,6%	4,7 / 21,1%	4,5 / 22,1%	4,6 / 21,9%	4,6 / 21,7%	4,9 / 20,6%
NIM	12,54%	14,27%	14,87%	0,00%	14,85%	13,98%	13,81%	14,51%	15,83%	16,10%	15,12%	14,12%
Return on assets	12,03%	12,85%	13,22%	0,00%	13,55%	13,75%	14,41%	15,70%	16,75%	16,82%	16,70%	16,53%
Cost of liabilities	6,40%	5,35%	5,16%	0,00%	5,43%	5,79%	6,14%	6,47%	6,66%	6,59%	6,37%	6,49%
Net spread	5,63%	7,50%	8,06%	0,00%	8,12%	7,96%	8,27%	9,23%	10,09%	10,23%	10,33%	10,04%
Cost / income	54,75%	46,70%	53,78%	0,00%	55,52%	36,11%	49,24%	51,71%	47,41%	35,40%	38,10%	55,26%
Cost of assets	8,33%	8,27%	10,59%	0,00%	10,18%	7,73%	7,75%	8,88%	9,20%	7,96%	8,45%	9,85%
Net assets	291 002 500	253 896 271	233 292 518	226 379 066	228 317 751	241 932 902	256 314 351	273 770 410	268 297 738	259 297 522	253 091 288	257 520 115
Average equity	55 850 827	55 115 393	52 921 671	51 673 972	52 406 376	53 634 044	52 915 887	57 798 330	59 286 355	56 766 220	54 823 859	53 093 476
Average % assets	280 034 529	244 683 246	224 810 198	220 126 927	223 805 481	236 785 463	246 755 220	261 382 170	258 404 946	250 911 232	243 209 532	247 618 738
Average % liabilities	216 200 062	184 481 783	167 868 385	162 299 862	164 152 863	177 436 421	192 938 915	206 105 389	201 400 283	196 358 065	192 693 922	200 026 911
NII	8 781 165	8 729 470	8 362 397	7 742 762	8 309 075	8 280 267	8 523 641	9 486 123	10 228 646	10 104 291	9 198 785	8 746 375
NCI	1 413 260	1 656 201	1 438 789	887 122	969 516	892 707	384 842	782 338	1 134 526	1 285 509	1 131 300	1 104 969
NCI / NII	16,1%	19,0%	17,2%	11,5%	11,7%	10,8%	4,5%	8,2%	11,1%	12,7%	12,3%	12,6%

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.