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Central Bank of Russia registration number: 3437

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	2,80%	0,49%	1,29%	0,00%	1,21%	0,47%	0,16%	0,16%	1,16%	-0,17%	-1,08%	-1,50%
RoE	4,62%	2,27%	6,99%	0,00%	5,61%	1,79%	0,55%	0,56%	5,86%	-1,01%	-5,71%	-8,02%
Leverage cap. adequacy	1,6 / 60,6%	4,6 / 21,6%	5,4 / 18,5%	4,8 / 21,0%	4,6 / 21,7%	3,8 / 26,3%	3,3 / 29,9%	3,5 / 28,9%	5,0 / 19,9%	5,6 / 17,7%	5,2 / 19,1%	5,3 / 18,8%
NIM	19,55%	10,65%	11,83%	0,00%	11,31%	12,41%	12,25%	11,83%	12,27%	11,16%	13,02%	14,00%
Return on assets	28,12%	15,92%	17,48%	0,00%	15,49%	16,78%	16,82%	16,42%	21,28%	19,26%	22,17%	22,32%
Cost of liabilities	26,57%	6,05%	4,83%	0,00%	4,54%	5,51%	6,74%	6,48%	8,29%	7,45%	8,05%	7,90%
Net spread	1,55%	9,87%	12,65%	0,00%	10,95%	11,27%	10,08%	9,94%	12,99%	11,81%	14,12%	14,42%
Cost / income	117,94%	127,28%	77,22%	0,00%	83,58%	91,94%	105,54%	113,05%	77,92%	76,87%	79,78%	77,69%
Cost of assets	21,17%	12,34%	11,11%	0,00%	11,36%	13,12%	14,07%	13,73%	10,92%	9,64%	11,70%	11,90%
Net assets	5 280 380	14 426 414	17 068 364	14 960 054	14 208 024	11 496 203	10 070 443	10 601 748	14 875 629	16 237 544	15 043 305	15 385 860
Average equity	3 201 062	3 120 519	3 149 767	3 145 847	3 087 350	3 019 778	3 014 057	3 061 286	2 965 653	2 880 070	2 866 533	2 896 146
Average % assets	4 324 571	9 573 294	8 918 611	7 628 867	8 040 272	6 895 675	6 655 744	6 933 390	8 271 983	9 273 308	8 121 994	9 036 922
Average % liabilities	1 892 472	10 885 208	13 459 757	11 387 602	10 737 963	8 122 724	6 690 771	7 159 895	11 496 777	12 919 553	11 708 740	12 072 496
NII	845 841	764 861	527 570	257 372	909 619	642 282	407 793	205 147	1 015 739	776 180	529 063	316 393
NCI	131 142	127 117	86 040	16 819	147 145	71 109	28 266	14 334	56 738	40 086	23 610	8 489
NCI / NII	15,5%	16,6%	16,3%	6,5%	16,2%	11,1%	6,9%	7,0%	5,6%	5,2%	4,5%	2,7%

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	7,17%	-1,57%	1,81%	0,00%	3,73%	1,12%	0,16%	0,16%	5,26%	1,47%	-0,63%	-1,50%
RoE	11,84%	-7,27%	9,81%	0,00%	17,18%	4,27%	0,54%	0,56%	26,42%	8,32%	-3,31%	-8,02%
Leverage cap. adequacy	1,6 / 60,6%	4,6 / 21,6%	5,4 / 18,5%	4,8 / 21,0%	4,6 / 21,7%	3,8 / 26,3%	3,3 / 29,9%	3,5 / 28,9%	5,0 / 19,9%	5,6 / 17,7%	5,2 / 19,1%	5,3 / 18,8%
NIM	7,49%	9,91%	12,11%	0,00%	13,29%	13,60%	12,17%	11,83%	11,58%	10,65%	10,47%	14,00%
Return on assets	6,75%	15,18%	18,61%	0,00%	18,77%	17,87%	16,54%	16,42%	20,34%	18,94%	19,49%	22,32%
Cost of liabilities	1,83%	6,19%	5,50%	0,00%	5,67%	5,42%	6,54%	6,48%	8,05%	7,74%	7,96%	7,90%
Net spread	4,92%	8,99%	13,11%	0,00%	13,10%	12,45%	10,00%	9,94%	12,29%	11,20%	11,53%	14,42%
Cost / income	56,06%	647,22%	67,86%	0,00%	66,73%	71,64%	98,73%	113,05%	81,18%	70,71%	82,77%	77,69%
Cost of assets	5,27%	16,53%	10,85%	0,00%	12,03%	12,30%	13,82%	13,73%	11,09%	8,55%	10,01%	11,90%
Net assets	5 280 380	14 426 414	17 068 364	14 960 054	14 208 024	11 496 203	10 070 443	10 601 748	14 875 629	16 237 544	15 043 305	15 385 860
Average equity	3 201 062	3 120 519	3 149 767	3 145 847	3 087 350	3 019 778	3 014 057	3 061 286	2 965 653	2 880 070	2 866 533	2 896 146
Average % assets	4 324 571	9 573 294	8 918 611	7 628 867	8 040 272	6 895 675	6 655 744	6 933 390	8 271 983	9 273 308	8 121 994	9 036 922
Average % liabilities	1 892 472	10 885 208	13 459 757	11 387 602	10 737 963	8 122 724	6 690 771	7 159 895	11 496 777	12 919 553	11 708 740	12 072 496
NII	80 980	237 291	270 198	257 372	267 337	234 489	202 646	205 147	239 559	247 117	212 670	316 393
NCI	4 025	41 077	69 221	16 819	76 036	42 843	13 932	14 334	16 652	16 476	15 121	8 489
NCI / NII	5,0%	17,3%	25,6%	6,5%	28,4%	18,3%	6,9%	7,0%	7,0%	6,7%	7,1%	2,7%

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.