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	PERVIY KLIENTSKIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 3436

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	6,01%	7,07%	7,49%	0,00%	3,08%	2,70%	2,47%	10,16%	5,98%	2,16%	-3,18%	6,54%
RoE	12,61%	14,90%	16,12%	0,00%	7,20%	6,41%	5,85%	24,76%	14,84%	5,67%	-8,36%	18,45%
Leverage cap. adequacy	2,1 / 47,7%	2,1 / 47,5%	2,2 / 46,5%	2,3 / 44,2%	2,3 / 42,9%	2,4 / 42,1%	2,4 / 42,3%	2,4 / 41,1%	2,5 / 40,3%	2,6 / 38,2%	2,6 / 38,0%	2,8 / 35,5%
NIM	16,61%	15,44%	14,61%	0,00%	14,11%	14,96%	14,76%	14,45%	14,97%	15,37%	15,43%	17,07%
Return on assets	16,11%	15,42%	14,83%	0,00%	15,33%	16,49%	16,58%	16,42%	16,22%	16,37%	16,43%	18,54%
Cost of liabilities	1,86%	1,97%	1,96%	0,00%	2,23%	2,43%	2,63%	2,49%	2,04%	1,95%	1,97%	1,91%
Net spread	14,25%	13,45%	12,87%	0,00%	13,10%	14,06%	13,95%	13,93%	14,18%	14,42%	14,46%	16,63%
Cost / income	54,66%	52,84%	55,77%	0,00%	37,56%	37,00%	39,30%	34,74%	39,74%	38,20%	34,55%	31,01%
Cost of assets	12,99%	11,43%	11,34%	0,00%	8,48%	8,93%	8,91%	8,76%	9,50%	8,93%	7,59%	7,31%
Net assets	3 428 354	3 281 802	3 245 671	3 296 669	3 332 769	3 311 832	3 379 820	3 416 006	3 254 421	3 209 724	3 230 150	3 446 612
Average equity	1 635 286	1 558 069	1 508 936	1 456 714	1 429 205	1 395 903	1 428 494	1 402 355	1 311 424	1 225 211	1 228 162	1 223 190
Average % assets	2 339 182	2 489 332	2 571 451	2 435 346	2 436 231	2 259 869	2 230 790	2 226 433	2 142 544	2 086 768	2 050 300	1 883 285
Average % liabilities	1 598 958	1 549 318	1 558 739	1 658 477	1 693 892	1 676 801	1 679 857	1 697 643	1 718 387	1 807 098	1 886 801	2 166 265
NII	388 701	288 369	187 948	84 118	343 915	253 706	164 670	80 431	320 934	240 642	158 237	80 415
NCI	67 209	48 541	33 496	19 788	107 541	78 456	53 855	27 255	130 068	79 540	35 402	8 130
NCI / NII	17,3%	16,8%	17,8%	23,5%	31,3%	30,9%	32,7%	33,9%	40,5%	33,1%	22,4%	10,1%

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	3,74%	6,39%	11,87%	0,00%	4,30%	3,05%	-5,32%	10,16%	17,52%	12,89%	-13,34%	6,54%
RoE	7,85%	13,47%	25,54%	0,00%	10,03%	7,24%	-12,59%	24,76%	43,48%	33,79%	-35,10%	18,45%
Leverage cap. adequacy	2,1 / 47,7%	2,1 / 47,5%	2,2 / 46,5%	2,3 / 44,2%	2,3 / 42,9%	2,4 / 42,1%	2,4 / 42,3%	2,4 / 41,1%	2,5 / 40,3%	2,6 / 38,2%	2,6 / 38,0%	2,8 / 35,5%
NIM	17,15%	16,13%	16,15%	0,00%	14,81%	15,75%	15,10%	14,45%	14,99%	15,79%	15,18%	17,07%
Return on assets	15,19%	15,62%	15,76%	0,00%	15,43%	16,73%	16,77%	16,42%	17,03%	16,82%	15,84%	18,54%
Cost of liabilities	1,72%	1,97%	2,10%	0,00%	1,69%	2,02%	2,74%	2,49%	2,01%	1,73%	1,75%	1,91%
Net spread	13,47%	13,65%	13,66%	0,00%	13,74%	14,71%	14,03%	13,93%	15,02%	15,09%	14,09%	16,63%
Cost / income	59,32%	47,26%	53,07%	0,00%	39,31%	33,17%	45,00%	34,74%	43,62%	44,28%	37,89%	31,01%
Cost of assets	15,87%	10,56%	11,12%	0,00%	8,64%	9,01%	9,07%	8,76%	11,81%	11,67%	8,57%	7,31%
Net assets	3 428 354	3 281 802	3 245 671	3 296 669	3 332 769	3 311 832	3 379 820	3 416 006	3 254 421	3 209 724	3 230 150	3 446 612
Average equity	1 635 286	1 558 069	1 508 936	1 456 714	1 429 205	1 395 903	1 428 494	1 402 355	1 311 424	1 225 211	1 228 162	1 223 190
Average % assets	2 339 182	2 489 332	2 571 451	2 435 346	2 436 231	2 259 869	2 230 790	2 226 433	2 142 544	2 086 768	2 050 300	1 883 285
Average % liabilities	1 598 958	1 549 318	1 558 739	1 658 477	1 693 892	1 676 801	1 679 857	1 697 643	1 718 387	1 807 098	1 886 801	2 166 265
NII	100 332	100 421	103 830	84 118	90 209	89 036	84 239	80 431	80 292	82 405	77 822	80 415
NCI	18 668	15 045	13 708	19 788	29 085	24 601	26 600	27 255	50 528	44 138	27 272	8 130
NCI / NII	18,6%	15,0%	13,2%	23,5%	32,2%	27,6%	31,6%	33,9%	62,9%	53,6%	35,0%	10,1%

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.