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Central Bank of Russia registration number: 735  Retailbank, ZB-Vertreter

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. 2020	9 mon. 2020	6 mon. 2020	3 mon. 2020	12 mon. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	0,00%	0,00%	0,00%	11,46%	11,51%	13,39%	39,19%
RoE	0,00%	0,00%	0,00%	0,00%	44,15%	46,37%	51,70%	186,19%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	3,7 / 26,8%	3,9 / 26,0%	4,0 / 24,8%	3,9 / 25,9%	4,8 / 21,1%
NIM	0,00%	0,00%	0,00%	0,00%	6,28%	6,28%	6,28%	6,68%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,89%	9,88%	9,78%	10,10%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,67%	4,77%	4,64%	4,37%
Net spread	0,00%	0,00%	0,00%	0,00%	5,22%	5,11%	5,14%	5,73%
Cost / income	0,00%	0,00%	0,00%	0,00%	43,34%	44,47%	46,73%	39,75%
Cost of assets	0,00%	0,00%	0,00%	0,00%	3,75%	3,80%	3,93%	3,86%
Net assets	0	0	0	26 089 970	25 162 622	24 024 556	24 170 534	22 955 967
Average equity	0	0	0	6 989 209	6 534 440	5 965 608	6 262 151	4 832 483
Average % assets	0	0	0	23 264 774	22 902 773	22 735 384	22 796 922	22 508 503
Average % liabilities	0	0	0	18 366 554	17 948 571	17 336 015	17 325 752	17 787 418
NII	0	0	0	0	1 438 881	1 070 855	716 630	376 445
NCI	0	0	0	0	374 475	274 392	179 435	86 349
NCI / NII	-	-	-	-	26,0%	25,6%	25,0%	22,9%

Key financial ratios of the bank for the quarter specified

	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	0,00%	0,00%	0,00%	0,00%	12,88%	7,59%	-10,43%	39,19%
RoE	0,00%	0,00%	0,00%	0,00%	49,60%	30,57%	-40,27%	186,19%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	3,7 / 26,8%	3,9 / 26,0%	4,0 / 24,8%	3,9 / 25,9%	4,8 / 21,1%
NIM	0,00%	0,00%	0,00%	0,00%	6,42%	6,23%	5,96%	6,68%
Return on assets	0,00%	0,00%	0,00%	0,00%	10,15%	10,03%	9,58%	10,10%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,84%	5,03%	4,80%	4,37%
Net spread	0,00%	0,00%	0,00%	0,00%	5,31%	5,00%	4,78%	5,73%
Cost / income	0,00%	0,00%	0,00%	0,00%	40,27%	40,06%	54,57%	39,75%
Cost of assets	0,00%	0,00%	0,00%	0,00%	3,75%	3,48%	4,33%	3,86%
Net assets	0	0	0	26 089 970	25 162 622	24 024 556	24 170 534	22 955 967
Average equity	0	0	0	6 989 209	6 534 440	5 965 608	6 262 151	4 832 483
Average % assets	0	0	0	23 264 774	22 902 773	22 735 384	22 796 922	22 508 503
Average % liabilities	0	0	0	18 366 554	17 948 571	17 336 015	17 325 752	17 787 418
NII	0	0	0	0	368 026	354 225	340 185	376 445
NCI	0	0	0	0	100 083	94 957	93 086	86 349
NCI / NII	-	-	-	-	27,2%	26,8%	27,4%	22,9%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.