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Central Bank of Russia registration number: 53

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	0,36%	-0,14%	-0,41%	0,00%	1,01%	0,81%	0,88%	0,69%	0,80%	-0,05%	0,65%	0,45%
RoE	2,55%	-1,11%	-3,25%	0,00%	7,93%	6,48%	7,09%	5,81%	7,06%	-0,46%	5,56%	4,08%
Leverage cap. adequacy	7,1 / 14,1%	7,8 / 12,9%	7,8 / 12,9%	7,7 / 13,0%	7,8 / 12,8%	8,0 / 12,5%	8,0 / 12,5%	8,3 / 12,0%	8,8 / 11,3%	9,0 / 11,1%	8,5 / 11,7%	9,0 / 11,1%
NIM	5,87%	5,46%	5,36%	0,00%	6,49%	5,55%	5,56%	5,25%	5,18%	5,23%	4,76%	4,76%
Return on assets	10,21%	9,51%	9,36%	0,00%	10,31%	10,38%	10,66%	10,44%	10,74%	10,82%	10,82%	10,88%
Cost of liabilities	4,41%	4,14%	4,08%	0,00%	5,04%	5,21%	5,53%	5,51%	5,73%	5,77%	5,86%	5,84%
Net spread	5,80%	5,37%	5,28%	0,00%	5,27%	5,17%	5,13%	4,93%	5,01%	5,05%	4,96%	5,04%
Cost / income	99,99%	108,85%	115,62%	0,00%	64,36%	73,43%	75,45%	79,67%	73,69%	78,38%	60,69%	59,22%
Cost of assets	5,66%	5,17%	4,92%	0,00%	5,38%	5,28%	5,51%	5,59%	6,28%	6,62%	4,78%	4,55%
Net assets	17 150 980	18 128 405	18 362 710	18 443 588	18 471 889	18 594 791	18 304 652	19 009 229	18 963 721	18 707 562	19 171 341	19 481 847
Average equity	2 419 191	2 333 461	2 365 715	2 396 622	2 366 599	2 326 496	2 289 743	2 277 450	2 148 337	2 070 645	2 243 169	2 169 430
Average % assets	13 662 029	14 975 713	15 308 554	15 452 514	15 515 643	15 669 862	15 374 079	16 029 411	15 949 114	15 703 773	15 847 043	15 907 987
Average % liabilities	14 303 759	15 393 170	15 627 944	15 681 190	15 743 524	15 963 428	15 698 174	16 437 686	16 615 243	16 427 599	16 694 428	17 081 635
NII	802 003	613 290	410 840	203 323	1 007 161	652 991	427 805	210 738	827 739	615 988	377 662	189 596
NCI	123 401	88 736	65 938	38 365	117 066	87 928	60 379	34 070	107 387	77 336	48 387	25 642
NCI / NII	15,4%	14,5%	16,0%	18,9%	11,6%	13,5%	14,1%	16,2%	13,0%	12,6%	12,8%	13,5%

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	1,89%	0,41%	-1,23%	0,00%	1,61%	0,68%	1,05%	0,69%	3,35%	-1,48%	0,83%	0,45%
RoE	13,45%	3,23%	-9,57%	0,00%	12,61%	5,48%	8,40%	5,81%	29,60%	-13,44%	7,17%	4,08%
Leverage cap. adequacy	7,1 / 14,1%	7,8 / 12,9%	7,8 / 12,9%	7,7 / 13,0%	7,8 / 12,8%	8,0 / 12,5%	8,0 / 12,5%	8,3 / 12,0%	8,8 / 11,3%	9,0 / 11,1%	8,5 / 11,7%	9,0 / 11,1%
NIM	5,52%	5,40%	5,42%	0,00%	9,13%	5,74%	5,64%	5,25%	5,31%	6,07%	4,74%	4,76%
Return on assets	9,59%	9,38%	9,43%	0,00%	9,78%	10,23%	10,43%	10,44%	11,00%	10,61%	10,72%	10,88%
Cost of liabilities	4,28%	4,14%	4,11%	0,00%	4,31%	4,77%	5,28%	5,51%	5,81%	5,40%	5,74%	5,84%
Net spread	5,31%	5,24%	5,32%	0,00%	5,47%	5,46%	5,15%	4,93%	5,19%	5,21%	4,98%	5,04%
Cost / income	80,48%	98,22%	135,74%	0,00%	47,38%	69,48%	71,20%	79,67%	60,98%	108,35%	62,12%	59,22%
Cost of assets	5,69%	5,44%	5,30%	0,00%	5,52%	5,07%	5,19%	5,59%	5,61%	10,20%	4,96%	4,55%
Net assets	17 150 980	18 128 405	18 362 710	18 443 588	18 471 889	18 594 791	18 304 652	19 009 229	18 963 721	18 707 562	19 171 341	19 481 847
Average equity	2 419 191	2 333 461	2 365 715	2 396 622	2 366 599	2 326 496	2 289 743	2 277 450	2 148 337	2 070 645	2 243 169	2 169 430
Average % assets	13 662 029	14 975 713	15 308 554	15 452 514	15 515 643	15 669 862	15 374 079	16 029 411	15 949 114	15 703 773	15 847 043	15 907 987
Average % liabilities	14 303 759	15 393 170	15 627 944	15 681 190	15 743 524	15 963 428	15 698 174	16 437 686	16 615 243	16 427 599	16 694 428	17 081 635
NII	188 713	202 450	207 517	203 323	354 170	225 186	217 067	210 738	211 751	238 326	188 066	189 596
NCI	34 665	22 798	27 573	38 365	29 138	27 549	26 309	34 070	30 051	28 949	22 745	25 642
NCI / NII	18,4%	11,3%	13,3%	18,9%	8,2%	12,2%	12,1%	16,2%	14,2%	12,1%	12,1%	13,5%

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.