Архив рассылки

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Central Bank of Russia registration number: 3407  ausländisch beherrschten, ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions1

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	1,35%	1,30%	1,33%	0,00%	0,97%	1,65%	1,43%	-0,27%	0,60%	0,17%	0,04%	-0,69%
RoE	7,54%	6,98%	7,46%	0,00%	6,56%	11,39%	8,69%	-1,53%	3,19%	1,12%	0,26%	-3,92%
Leverage cap. adequacy	5,6 / 18,0%	5,3 / 18,7%	5,6 / 17,9%	5,6 / 17,9%	6,7 / 14,8%	6,9 / 14,5%	6,0 / 16,5%	5,5 / 18,1%	5,3 / 19,0%	6,4 / 15,6%	6,1 / 16,3%	5,6 / 17,7%
NIM	2,81%	3,09%	2,92%	0,00%	1,83%	1,65%	1,93%	1,95%	1,96%	1,65%	1,79%	2,12%
Return on assets	5,39%	5,56%	5,04%	0,00%	4,57%	4,42%	5,25%	5,83%	7,72%	6,76%	6,75%	6,67%
Cost of liabilities	2,62%	2,46%	2,05%	0,00%	2,68%	2,79%	3,37%	4,07%	6,13%	5,12%	5,01%	4,84%
Net spread	2,77%	3,10%	2,99%	0,00%	1,89%	1,63%	1,88%	1,76%	1,59%	1,64%	1,74%	1,83%
Cost / income	48,85%	50,26%	46,79%	0,00%	49,11%	39,72%	54,24%	153,87%	74,84%	61,75%	74,39%	83,45%
Cost of assets	2,02%	2,06%	2,06%	0,00%	1,80%	1,57%	2,01%	2,22%	2,45%	1,81%	1,93%	2,16%
Net assets	57 149 336	53 249 565	54 816 284	53 299 975	64 057 699	65 048 543	54 647 563	48 789 187	45 786 285	54 554 622	51 742 547	48 384 776
Average equity	10 275 728	9 980 252	9 808 911	9 543 264	9 494 791	9 456 523	9 038 350	8 814 234	8 712 151	8 532 423	8 428 575	8 566 907
Average % assets	44 821 667	40 480 353	41 091 361	40 891 894	48 734 905	50 576 045	42 454 212	38 302 137	36 708 043	43 865 554	42 199 940	39 811 652
Average % liabilities	44 175 503	40 690 281	42 639 874	41 069 335	49 839 499	50 244 030	41 841 243	36 486 488	34 760 794	44 121 371	42 036 881	38 642 171
NII	1 261 650	939 909	601 332	283 250	895 459	629 093	411 711	186 943	723 018	545 478	379 799	211 017
NCI	88 899	70 424	54 762	38 348	132 316	95 159	62 013	38 639	98 786	70 819	42 902	22 280
NCI / NII	7,0%	7,5%	9,1%	13,5%	14,8%	15,1%	15,1%	20,7%	13,7%	13,0%	11,3%	10,6%

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	1,76%	1,17%	1,76%	0,00%	-1,15%	2,55%	3,12%	-0,27%	1,80%	0,44%	0,73%	-0,69%
RoE	9,82%	6,27%	9,83%	0,00%	-7,79%	17,56%	18,88%	-1,53%	9,49%	2,84%	4,52%	-3,92%
Leverage cap. adequacy	5,6 / 18,0%	5,3 / 18,7%	5,6 / 17,9%	5,6 / 17,9%	6,7 / 14,8%	6,9 / 14,5%	6,0 / 16,5%	5,5 / 18,1%	5,3 / 19,0%	6,4 / 15,6%	6,1 / 16,3%	5,6 / 17,7%
NIM	2,87%	3,34%	3,09%	0,00%	2,18%	1,71%	2,11%	1,95%	1,93%	1,51%	1,59%	2,12%
Return on assets	6,50%	6,45%	5,41%	0,00%	4,51%	4,46%	5,24%	5,83%	6,67%	7,28%	7,20%	6,67%
Cost of liabilities	3,69%	3,08%	2,24%	0,00%	2,28%	2,77%	3,18%	4,07%	5,03%	5,79%	5,58%	4,84%
Net spread	2,81%	3,37%	3,17%	0,00%	2,23%	1,69%	2,06%	1,76%	1,64%	1,49%	1,62%	1,83%
Cost / income	45,99%	59,47%	43,94%	0,00%	98,24%	23,60%	33,01%	153,87%	128,17%	45,07%	66,36%	83,45%
Cost of assets	2,51%	2,00%	2,04%	0,00%	2,31%	1,32%	2,02%	2,22%	3,31%	1,71%	1,83%	2,16%
Net assets	57 149 336	53 249 565	54 816 284	53 299 975	64 057 699	65 048 543	54 647 563	48 789 187	45 786 285	54 554 622	51 742 547	48 384 776
Average equity	10 275 728	9 980 252	9 808 911	9 543 264	9 494 791	9 456 523	9 038 350	8 814 234	8 712 151	8 532 423	8 428 575	8 566 907
Average % assets	44 821 667	40 480 353	41 091 361	40 891 894	48 734 905	50 576 045	42 454 212	38 302 137	36 708 043	43 865 554	42 199 940	39 811 652
Average % liabilities	44 175 503	40 690 281	42 639 874	41 069 335	49 839 499	50 244 030	41 841 243	36 486 488	34 760 794	44 121 371	42 036 881	38 642 171
NII	321 741	338 577	318 082	283 250	266 366	217 382	224 768	186 943	177 540	165 679	168 782	211 017
NCI	18 475	15 662	16 414	38 348	37 157	33 146	23 374	38 639	27 967	27 917	20 622	22 280
NCI / NII	5,7%	4,6%	5,2%	13,5%	13,9%	15,2%	10,4%	20,7%	15,8%	16,9%	12,2%	10,6%

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 - 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.