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Central Bank of Russia registration number: 493  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	2,95%	2,92%	3,29%	0,00%	1,95%	2,08%	1,62%	3,60%	3,02%	2,65%	0,59%	4,27%
RoE	15,30%	15,89%	17,91%	0,00%	10,88%	11,56%	8,72%	19,51%	16,41%	14,90%	3,34%	23,85%
Leverage cap. adequacy	5,2 / 19,3%	5,4 / 18,4%	5,4 / 18,4%	5,5 / 18,1%	5,6 / 18,0%	5,5 / 18,0%	5,4 / 18,6%	5,4 / 18,5%	5,4 / 18,4%	5,6 / 17,8%	5,7 / 17,6%	5,6 / 17,9%
NIM	4,35%	3,92%	3,68%	0,00%	3,48%	3,54%	3,83%	3,81%	4,35%	4,58%	5,02%	5,09%
Return on assets	6,97%	6,51%	6,23%	0,00%	6,63%	6,90%	7,50%	7,62%	8,14%	8,29%	8,50%	8,57%
Cost of liabilities	3,02%	2,91%	2,86%	0,00%	3,56%	3,79%	4,14%	4,39%	4,45%	4,41%	4,35%	4,20%
Net spread	3,95%	3,60%	3,37%	0,00%	3,07%	3,11%	3,36%	3,23%	3,69%	3,88%	4,15%	4,37%
Cost / income	65,18%	62,36%	65,03%	0,00%	72,58%	64,61%	61,65%	57,89%	68,54%	61,23%	57,05%	48,05%
Cost of assets	4,97%	4,38%	4,45%	0,00%	5,01%	4,54%	4,64%	4,57%	5,92%	5,50%	5,58%	4,88%
Net assets	60 100 256	61 225 151	60 026 772	58 875 025	56 739 513	55 186 620	52 780 259	52 255 243	50 304 305	49 230 922	47 091 158	46 224 234
Average equity	11 585 997	11 258 628	11 040 802	10 648 436	10 212 554	9 944 658	9 833 290	9 660 931	9 280 743	8 762 143	8 305 406	8 287 967
Average % assets	54 216 760	55 603 419	54 522 600	54 112 518	52 657 845	51 608 379	49 233 120	49 311 142	47 772 868	47 053 010	45 359 033	44 317 441
Average % liabilities	47 442 448	49 091 639	48 049 914	47 198 960	45 614 326	44 331 104	41 886 293	41 523 859	39 993 705	39 461 913	37 735 901	36 816 375
NII	2 360 152	1 637 399	1 004 321	456 290	1 837 043	1 370 730	943 945	470 688	2 080 846	1 619 696	1 138 855	564 821
NCI	1 427 655	1 061 044	716 744	352 600	1 315 859	957 504	642 739	351 588	1 463 061	1 087 988	748 888	391 614
NCI / NII	60,5%	64,8%	71,4%	77,3%	71,6%	69,9%	68,1%	74,7%	70,3%	67,2%	65,8%	69,3%

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	2,86%	2,31%	1,50%	0,00%	1,75%	3,14%	-0,32%	3,60%	4,32%	6,82%	-3,01%	4,27%
RoE	14,88%	12,56%	8,16%	0,00%	9,74%	17,43%	-1,72%	19,51%	23,43%	38,37%	-17,10%	23,85%
Leverage cap. adequacy	5,2 / 19,3%	5,4 / 18,4%	5,4 / 18,4%	5,5 / 18,1%	5,6 / 18,0%	5,5 / 18,0%	5,4 / 18,6%	5,4 / 18,5%	5,4 / 18,4%	5,6 / 17,8%	5,7 / 17,6%	5,6 / 17,9%
NIM	5,33%	4,55%	4,02%	0,00%	3,54%	3,30%	3,84%	3,81%	3,86%	4,08%	5,06%	5,09%
Return on assets	7,84%	7,31%	6,51%	0,00%	6,23%	6,40%	7,36%	7,62%	8,06%	8,48%	8,63%	8,57%
Cost of liabilities	3,05%	3,11%	2,79%	0,00%	3,19%	3,53%	3,94%	4,39%	4,76%	4,90%	4,60%	4,20%
Net spread	4,79%	4,20%	3,72%	0,00%	3,04%	2,87%	3,42%	3,23%	3,30%	3,58%	4,03%	4,37%
Cost / income	72,01%	57,74%	64,60%	0,00%	95,97%	70,83%	65,81%	57,89%	91,68%	70,64%	66,36%	48,05%
Cost of assets	6,43%	4,46%	4,69%	0,00%	6,74%	4,81%	4,70%	4,57%	7,60%	5,86%	6,38%	4,88%
Net assets	60 100 256	61 225 151	60 026 772	58 875 025	56 739 513	55 186 620	52 780 259	52 255 243	50 304 305	49 230 922	47 091 158	46 224 234
Average equity	11 585 997	11 258 628	11 040 802	10 648 436	10 212 554	9 944 658	9 833 290	9 660 931	9 280 743	8 762 143	8 305 406	8 287 967
Average % assets	54 216 760	55 603 419	54 522 600	54 112 518	52 657 845	51 608 379	49 233 120	49 311 142	47 772 868	47 053 010	45 359 033	44 317 441
Average % liabilities	47 442 448	49 091 639	48 049 914	47 198 960	45 614 326	44 331 104	41 886 293	41 523 859	39 993 705	39 461 913	37 735 901	36 816 375
NII	722 753	633 078	548 031	456 290	466 313	426 785	473 257	470 688	461 150	480 841	574 034	564 821
NCI	366 611	344 300	364 144	352 600	358 355	314 765	291 151	351 588	375 073	339 100	357 274	391 614
NCI / NII	50,7%	54,4%	66,4%	77,3%	76,8%	73,8%	61,5%	74,7%	81,3%	70,5%	62,2%	69,3%

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.