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Central Bank of Russia registration number: 3540

General information Emissions0

Balance Profit Profitability

IFRS reports

Financial analysis

• 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
RoA	0,51%	0,84%	0,49%	0,00%	2,39%
RoE	2,06%	3,33%	1,65%	0,00%	16,31%
Leverage cap. adequacy	4,0 / 25,2%	4,0 / 25,3%	3,4 / 29,7%	5,1 / 19,5%	6,8 / 14,7%
NIM	4,83%	4,54%	6,59%	0,00%	836,68%
Return on assets	4,96%	4,67%	6,79%	0,00%	622,45%
Cost of liabilities	6,14%	79,64%	17631,37%	0,00%	0,00%
Net spread	-1,18%	-74,97%	-17624,58%	0,00%	622,45%
Cost / income	92,88%	90,70%	102,87%	0,00%	44,39%
Cost of assets	5,09%	4,74%	7,98%	0,00%	416,92%
Net assets	7 313 717	7 386 023	6 657 833	10 062 172	13 284 243
Average equity	1 842 878	1 868 611	1 975 860	1 960 214	1 953 200
Average % assets	6 794 579	6 650 105	4 145 045	2 139 955	77 288
Average % liabilities	154 411	11 833	51	0	0
NII	328 219	226 760	136 699	78 768	646 660
NCI	37 044	27 198	17 152	9 491	68 456
NCI / NII	11,3%	12,0%	12,5%	12,0%	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
RoA	-0,48%	1,64%	-0,29%	0,00%	9,59%
RoE	-1,90%	6,50%	-1,00%	0,00%	65,25%
Leverage cap. adequacy	4,0 / 25,2%	4,0 / 25,3%	3,4 / 29,7%	5,1 / 19,5%	6,8 / 14,7%
NIM	5,97%	5,41%	5,59%	0,00%	3346,75%
Return on assets	6,10%	5,56%	5,78%	0,00%	2489,80%
Cost of liabilities	6,27%	86,94%	17090,19%	0,00%	0,00%
Net spread	-0,17%	-81,38%	-17084,41%	0,00%	2489,80%
Cost / income	97,97%	71,17%	115,67%	0,00%	44,39%
Cost of assets	6,42%	4,29%	8,10%	0,00%	1667,70%
Net assets	7 313 717	7 386 023	6 657 833	10 062 172	13 284 243
Average equity	1 842 878	1 868 611	1 975 860	1 960 214	1 953 200
Average % assets	6 794 579	6 650 105	4 145 045	2 139 955	77 288
Average % liabilities	154 411	11 833	51	0	0
NII	101 459	90 061	57 931	78 768	646 660
NCI	9 846	10 046	7 661	9 491	68 456
NCI / NII	9,7%	11,2%	13,2%	12,0%	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 - 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.