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Central Bank of Russia registration number: 3279  Retailbank, Bankenrettung, ZB-Vertreter

General information Emissions0 Discuss66

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	19,98%	5,80%	15,91%	0,00%	14,50%	8,16%	-15,22%	-17,54%	24,34%	5,29%	4,32%	4,26%
RoE	-3,76%	-1,02%	-3,44%	0,00%	-2,50%	-1,17%	2,14%	2,56%	-3,73%	-0,84%	-0,83%	-1,47%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Return on assets	2,62%	2,74%	2,50%	0,00%	3,98%	4,45%	4,89%	5,81%	6,79%	8,21%	8,65%	9,82%
Cost of liabilities	7,53%	7,58%	7,33%	0,00%	7,45%	7,47%	7,41%	7,46%	7,39%	7,23%	6,84%	7,37%
Net spread	-4,91%	-4,84%	-4,83%	0,00%	-3,47%	-3,02%	-2,52%	-1,65%	-0,60%	0,98%	1,81%	2,45%
Cost / income	3,12%	14,83%	8,53%	0,00%	1,99%	1,91%	2,15%	1,30%	1,08%	0,89%	307,81%	0,00%
Cost of assets	3,65%	2,69%	2,02%	0,00%	2,05%	1,92%	1,76%	1,20%	1,35%	1,25%	0,99%	0,80%
Net assets	260 683 578	247 495 254	303 226 820	309 097 049	249 087 086	210 881 802	208 956 626	216 781 744	233 250 123	244 776 913	287 520 093	393 546 503
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	1 425 077 612	1 393 960 278	1 469 880 152	1 502 976 343	1 479 620 392	1 338 655 415	1 260 759 579	1 219 319 738	1 277 659 828	1 158 520 893	1 131 711 956	1 027 553 013
Average % liabilities	1 635 679 016	1 648 282 533	1 698 256 236	1 721 332 162	1 684 038 799	1 675 789 086	1 684 497 532	1 687 944 002	1 744 673 572	1 773 913 461	1 774 459 461	1 527 086 494
NII	0	0	0	0	0	0	0	0	0	0	0	0
NCI	307 225	155 175	31 211	0	992 053	732 301	686 376	295 301	922 994	546 960	170 227	89 572
NCI / NII	-	-	-	-	-	-	-	-	-	-	-	-

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	63,40%	-21,59%	14,04%	0,00%	37,28%	54,67%	-12,24%	-17,54%	80,71%	5,71%	2,81%	4,26%
RoE	-11,94%	3,79%	-3,03%	0,00%	-6,43%	-7,83%	1,72%	2,56%	-12,39%	-0,91%	-0,54%	-1,47%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Return on assets	2,45%	2,95%	2,33%	0,00%	3,84%	4,14%	4,15%	5,81%	4,83%	7,72%	8,38%	9,82%
Cost of liabilities	7,21%	7,63%	7,27%	0,00%	7,51%	7,50%	7,36%	7,46%	7,48%	8,03%	7,33%	7,37%
Net spread	-4,76%	-4,68%	-4,94%	0,00%	-3,67%	-3,36%	-3,21%	-1,65%	-2,65%	-0,31%	1,05%	2,45%
Cost / income	0,99%	544,79%	23,60%	0,00%	2,18%	1,62%	3,28%	1,30%	2,33%	0,34%	6,48%	0,00%
Cost of assets	3,93%	3,48%	2,12%	0,00%	2,72%	2,16%	2,31%	1,20%	1,51%	1,46%	1,18%	0,80%
Net assets	260 683 578	247 495 254	303 226 820	309 097 049	249 087 086	210 881 802	208 956 626	216 781 744	233 250 123	244 776 913	287 520 093	393 546 503
Average equity	0	0	0	0	0	0	0	0	0	0	0	0
Average % assets	1 425 077 612	1 393 960 278	1 469 880 152	1 502 976 343	1 479 620 392	1 338 655 415	1 260 759 579	1 219 319 738	1 277 659 828	1 158 520 893	1 131 711 956	1 027 553 013
Average % liabilities	1 635 679 016	1 648 282 533	1 698 256 236	1 721 332 162	1 684 038 799	1 675 789 086	1 684 497 532	1 687 944 002	1 744 673 572	1 773 913 461	1 774 459 461	1 527 086 494
NII	0	0	0	0	0	0	0	0	0	0	0	0
NCI	152 050	123 964	47 929	0	259 752	45 925	391 075	295 301	376 034	376 733	80 655	89 572
NCI / NII	-	-	-	-	-	-	-	-	-	-	-	-

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.