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Central Bank of Russia registration number: 435  complies with 214-FZ (equity construction)

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	3,38%	4,20%	4,48%	0,00%	0,92%	1,74%	0,43%	1,13%	1,70%	3,53%	6,00%	14,52%
RoE	33,82%	36,36%	42,83%	0,00%	5,35%	8,55%	1,92%	5,74%	6,40%	10,79%	18,02%	49,47%
Leverage cap. adequacy	10,0 / 10,0%	8,6 / 11,6%	9,6 / 10,5%	6,5 / 15,5%	5,8 / 17,3%	4,9 / 20,4%	4,4 / 22,8%	5,0 / 19,8%	3,8 / 26,6%	3,1 / 32,7%	3,0 / 33,3%	3,4 / 29,4%
NIM	3,77%	4,46%	4,26%	0,00%	5,86%	5,97%	6,18%	6,99%	4,92%	6,89%	6,59%	5,46%
Return on assets	3,80%	4,41%	4,07%	0,00%	5,78%	5,59%	5,60%	5,19%	5,70%	7,93%	7,16%	5,86%
Cost of liabilities	0,59%	0,81%	0,70%	0,00%	1,15%	1,31%	1,83%	1,57%	1,68%	2,32%	2,29%	1,88%
Net spread	3,21%	3,60%	3,37%	0,00%	4,63%	4,28%	3,77%	3,62%	4,02%	5,61%	4,87%	3,98%
Cost / income	42,47%	36,31%	40,81%	0,00%	72,23%	64,18%	73,63%	62,06%	68,56%	57,46%	44,88%	28,56%
Cost of assets	6,46%	7,47%	7,89%	0,00%	12,89%	9,55%	9,39%	7,85%	8,47%	11,59%	10,63%	8,21%
Net assets	15 605 429	12 254 464	12 158 065	7 433 101	6 542 509	5 337 599	4 649 668	5 310 391	4 001 482	3 362 396	3 589 705	4 049 640
Average equity	1 563 928	1 417 175	1 272 370	1 152 101	1 129 195	1 090 145	1 059 423	1 052 311	1 062 641	1 100 605	1 196 068	1 189 272
Average % assets	7 570 321	4 747 218	4 603 763	3 062 860	2 755 339	2 965 747	3 096 674	3 604 631	2 767 136	1 951 386	2 166 269	2 750 104
Average % liabilities	9 009 542	6 106 324	6 208 698	5 442 827	4 163 065	4 109 618	3 407 831	4 114 832	2 844 706	2 150 466	2 342 820	2 746 393
NII	286 138	158 854	98 120	37 374	161 708	132 961	95 800	63 011	136 317	100 869	71 379	37 595
NCI	944 224	639 471	397 874	113 764	337 860	180 405	92 901	39 417	98 153	82 771	64 636	43 183
NCI / NII	330,0%	402,6%	405,5%	304,4%	208,9%	135,7%	97,0%	62,6%	72,0%	82,1%	90,6%	114,9%

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	3,65%	3,72%	6,77%	0,00%	-0,58%	4,47%	-0,42%	1,13%	-2,09%	-2,22%	-4,37%	14,52%
RoE	36,42%	32,19%	64,73%	0,00%	-3,38%	21,92%	-1,85%	5,74%	-7,90%	-6,80%	-13,13%	49,47%
Leverage cap. adequacy	10,0 / 10,0%	8,6 / 11,6%	9,6 / 10,5%	6,5 / 15,5%	5,8 / 17,3%	4,9 / 20,4%	4,4 / 22,8%	5,0 / 19,8%	3,8 / 26,6%	3,1 / 32,7%	3,0 / 33,3%	3,4 / 29,4%
NIM	6,72%	5,11%	5,27%	0,00%	4,17%	5,01%	4,23%	6,99%	5,12%	6,04%	6,23%	5,46%
Return on assets	6,93%	5,33%	5,02%	0,00%	5,05%	5,08%	5,16%	5,19%	6,03%	7,89%	6,88%	5,86%
Cost of liabilities	0,70%	1,01%	0,77%	0,00%	0,70%	0,90%	1,76%	1,57%	1,48%	1,96%	2,37%	1,88%
Net spread	6,23%	4,32%	4,25%	0,00%	4,35%	4,18%	3,40%	3,62%	4,55%	5,93%	4,51%	3,98%
Cost / income	53,20%	29,34%	31,49%	0,00%	88,78%	50,18%	89,44%	62,06%	138,86%	140,57%	99,46%	28,56%
Cost of assets	11,79%	7,09%	8,20%	0,00%	20,73%	9,02%	9,64%	7,85%	9,36%	11,18%	10,84%	8,21%
Net assets	15 605 429	12 254 464	12 158 065	7 433 101	6 542 509	5 337 599	4 649 668	5 310 391	4 001 482	3 362 396	3 589 705	4 049 640
Average equity	1 563 928	1 417 175	1 272 370	1 152 101	1 129 195	1 090 145	1 059 423	1 052 311	1 062 641	1 100 605	1 196 068	1 189 272
Average % assets	7 570 321	4 747 218	4 603 763	3 062 860	2 755 339	2 965 747	3 096 674	3 604 631	2 767 136	1 951 386	2 166 269	2 750 104
Average % liabilities	9 009 542	6 106 324	6 208 698	5 442 827	4 163 065	4 109 618	3 407 831	4 114 832	2 844 706	2 150 466	2 342 820	2 746 393
NII	127 284	60 734	60 746	37 374	28 747	37 161	32 789	63 011	35 448	29 490	33 784	37 595
NCI	304 753	241 597	284 110	113 764	157 455	87 504	53 484	39 417	15 382	18 135	21 453	43 183
NCI / NII	239,4%	397,8%	467,7%	304,4%	547,7%	235,5%	163,1%	62,6%	43,4%	61,5%	63,5%	114,9%

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.