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Central Bank of Russia registration number: 3523  complies with 213-FZ (work with state companies)

General information Emissions0

Balance Profit Profitability

Ratios (f. 135) IFRS reports

Financial analysis

• Key financial ratios
• Returns and costs

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	3,67%	3,45%	2,96%	0,00%	10,43%	4,65%	5,12%	6,22%	3,57%	4,84%	5,96%	8,06%
RoE	28,62%	30,44%	19,02%	0,00%	106,82%	47,42%	43,26%	71,01%	30,34%	41,49%	57,36%	85,72%
Leverage cap. adequacy	7,8 / 12,8%	8,8 / 11,4%	6,4 / 15,6%	9,0 / 11,1%	10,2 / 9,8%	10,2 / 9,8%	8,4 / 11,9%	11,4 / 8,8%	8,5 / 11,8%	8,6 / 11,7%	9,6 / 10,4%	10,6 / 9,4%
NIM	7,50%	4,02%	3,13%	0,00%	6,64%	17,02%	123,12%	12,94%	10,39%	13,59%	11,30%	18,02%
Return on assets	7,57%	4,06%	3,17%	0,00%	6,87%	17,74%	128,88%	13,64%	10,39%	13,59%	11,30%	18,02%
Cost of liabilities	4,29%	0,18%	0,06%	0,00%	0,11%	0,21%	0,38%	0,26%	0,00%	0,00%	0,00%	0,00%
Net spread	3,28%	3,88%	3,11%	0,00%	6,76%	17,53%	128,50%	13,38%	10,39%	13,59%	11,30%	18,02%
Cost / income	54,22%	56,79%	25,66%	0,00%	20,83%	46,37%	47,93%	44,31%	53,80%	45,80%	39,68%	16,82%
Cost of assets	13,57%	9,02%	6,01%	0,00%	14,60%	39,85%	278,19%	26,66%	16,98%	20,45%	18,11%	43,36%
Net assets	1 344 319	1 490 369	2 537 505	3 039 291	1 849 087	1 312 608	1 012 458	1 334 259	985 666	962 443	1 014 336	1 113 236
Average equity	172 718	169 254	395 550	335 899	180 567	128 895	120 017	116 896	116 113	112 487	105 454	104 792
Average % assets	468 785	816 285	1 015 010	692 526	352 508	130 082	20 053	222 758	254 250	187 500	211 250	86 250
Average % liabilities	7 761	176 594	573 601	880 076	679 416	433 664	301 178	594 693	243 675	212 158	427 265	241 632
NII	35 159	24 630	15 932	8 848	23 418	16 611	12 345	7 211	26 431	19 117	11 937	3 886
NCI	3 149 257	2 811 729	2 369 895	1 533 986	1 725 731	1 035 753	626 970	276 374	1 116 210	775 673	480 527	196 615
NCI / NII	8 957,2%	11 415,9%	14 875,1%	17 337,1%	7 369,3%	6 235,3%	5 078,7%	3 832,7%	4 223,1%	4 057,5%	4 025,5%	5 059,6%

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	3,21%	0,27%	-47,61%	0,00%	31,80%	6,05%	2,05%	6,22%	0,09%	1,97%	3,07%	8,06%
RoE	24,99%	2,41%	-305,46%	0,00%	325,72%	61,70%	17,36%	71,01%	0,81%	16,90%	29,55%	85,72%
Leverage cap. adequacy	7,8 / 12,8%	8,8 / 11,4%	6,4 / 15,6%	9,0 / 11,1%	10,2 / 9,8%	10,2 / 9,8%	8,4 / 11,9%	11,4 / 8,8%	8,5 / 11,8%	8,6 / 11,7%	9,6 / 10,4%	10,6 / 9,4%
NIM	8,98%	4,26%	2,79%	0,00%	7,72%	13,11%	102,40%	12,94%	11,50%	15,31%	15,24%	18,02%
Return on assets	9,05%	4,29%	2,82%	0,00%	7,84%	13,49%	106,17%	13,64%	11,50%	15,31%	15,24%	18,02%
Cost of liabilities	4,27%	0,16%	0,05%	0,00%	0,06%	0,11%	0,25%	0,26%	0,00%	0,00%	0,00%	0,00%
Net spread	4,78%	4,13%	2,77%	0,00%	7,78%	13,38%	105,92%	13,38%	11,50%	15,31%	15,24%	18,02%
Cost / income	41,74%	0,00%	0,00%	0,00%	7,71%	42,84%	52,85%	44,31%	82,50%	66,06%	0,00%	16,82%
Cost of assets	7,15%	12,11%	7,00%	0,00%	14,30%	33,83%	259,99%	26,66%	22,70%	20,53%	18,52%	43,36%
Net assets	1 344 319	1 490 369	2 537 505	3 039 291	1 849 087	1 312 608	1 012 458	1 334 259	985 666	962 443	1 014 336	1 113 236
Average equity	172 718	169 254	395 550	335 899	180 567	128 895	120 017	116 896	116 113	112 487	105 454	104 792
Average % assets	468 785	816 285	1 015 010	692 526	352 508	130 082	20 053	222 758	254 250	187 500	211 250	86 250
Average % liabilities	7 761	176 594	573 601	880 076	679 416	433 664	301 178	594 693	243 675	212 158	427 265	241 632
NII	10 529	8 698	7 084	8 848	6 807	4 266	5 134	7 211	7 314	7 180	8 051	3 886
NCI	337 528	441 834	835 909	1 533 986	689 978	408 783	350 596	276 374	340 537	295 146	283 912	196 615
NCI / NII	3 205,7%	5 079,7%	11 800,0%	17 337,1%	10 136,3%	9 582,3%	6 828,9%	3 832,7%	4 656,0%	4 110,7%	3 526,4%	5 059,6%

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.