Kuap. Ru - Financial analysis of the bank ТОРЖОК, key financial ratios, bank's reports analysis

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  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • Belarussian banks - 39
  • Balances (f. 101), ratios (f. 135) and capital (f. 123 and 134) available
    at 1 February 2022
  • Income (f. 102) available
    at 1 January 2022

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TORZHOK
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Central Bank of Russia registration number: 933

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-1,43%-0,51%-0,06%0,00%-3,97%-3,61%-1,18%-0,62%1,96%1,40%0,41%2,82%
RoE-4,28%-1,53%-0,19%0,00%-14,62%-13,14%-3,89%-1,95%5,89%4,55%1,50%10,87%
Leverage
cap. adequacy		3,0 / 33,5%3,0 / 33,9%2,9 / 34,1%3,5 / 28,7%3,7 / 27,2%3,6 / 27,5%3,3 / 30,4%3,1 / 32,1%3,0 / 33,3%3,2 / 30,8%3,6 / 27,7%3,9 / 26,0%
NIM4,79%4,32%4,12%0,00%4,34%4,22%4,62%5,03%6,70%7,40%7,23%6,98%
Return on
assets		6,83%6,47%6,15%0,00%6,06%5,96%6,54%6,76%8,44%9,23%8,97%8,71%
Cost of
liabilities		1,65%1,67%1,82%0,00%1,81%1,85%2,07%2,19%1,98%1,79%1,57%1,53%
Net
spread		5,18%4,80%4,33%0,00%4,25%4,11%4,47%4,57%6,46%7,44%7,40%7,18%
Cost /
income		118,31%110,20%113,48%0,00%104,19%100,85%103,93%101,21%88,90%89,84%95,23%88,02%
Cost of
assets		15,27%13,09%12,97%0,00%11,24%10,29%11,46%11,94%13,28%13,96%13,71%12,99%
Net
assets		1 137 4971 142 1661 139 5101 356 5761 505 1821 564 3381 460 8471 394 3931 326 4181 409 1551 554 9181 619 662
Average
equity		381 112386 699388 459389 703409 252430 721444 033447 616441 557434 514431 423420 557
Average
% assets		928 882924 879923 7551 011 3751 113 2851 160 7021 053 2611 045 220985 706929 842984 0061 028 597
Average
% liabilities		736 019734 171728 338941 9791 068 4971 104 919991 957926 235868 277957 3971 104 2831 180 932
NII44 55529 99519 0549 52048 36336 76124 36613 14566 10051 65935 59717 959
NCI55 23239 98926 04012 59456 05641 59727 24614 22068 74750 86433 80616 888
NCI / NII124,0%133,3%136,7%132,3%115,9%113,2%111,8%108,2%104,0%98,5%95,0%94,0%

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-4,17%-1,42%-0,26%0,00%-4,62%-8,64%-1,76%-0,62%3,37%3,29%-2,10%2,82%
RoE-12,46%-4,20%-0,78%0,00%-17,01%-31,40%-5,81%-1,95%10,12%10,68%-7,59%10,87%
Leverage
cap. adequacy		3,0 / 33,5%3,0 / 33,9%2,9 / 34,1%3,5 / 28,7%3,7 / 27,2%3,6 / 27,5%3,3 / 30,4%3,1 / 32,1%3,0 / 33,3%3,2 / 30,8%3,6 / 27,7%3,9 / 26,0%
NIM6,26%4,73%4,12%0,00%4,16%4,27%4,26%5,03%5,86%6,90%7,16%6,98%
Return on
assets		7,98%7,13%6,27%0,00%5,60%6,02%6,38%6,76%7,63%8,69%8,85%8,71%
Cost of
liabilities		1,60%1,41%1,80%0,00%1,48%1,85%2,09%2,19%2,01%1,74%1,52%1,53%
Net
spread		6,38%5,72%4,47%0,00%4,12%4,17%4,29%4,57%5,62%6,95%7,33%7,18%
Cost /
income		136,46%104,31%115,70%0,00%114,51%94,96%106,99%101,21%86,31%79,50%103,46%88,02%
Cost of
assets		21,76%13,29%13,47%0,00%12,06%9,98%11,09%11,94%13,70%12,71%13,90%12,99%
Net
assets		1 137 4971 142 1661 139 5101 356 5761 505 1821 564 3381 460 8471 394 3931 326 4181 409 1551 554 9181 619 662
Average
equity		381 112386 699388 459389 703409 252430 721444 033447 616441 557434 514431 423420 557
Average
% assets		928 882924 879923 7551 011 3751 113 2851 160 7021 053 2611 045 220985 706929 842984 0061 028 597
Average
% liabilities		736 019734 171728 338941 9791 068 4971 104 919991 957926 235868 277957 3971 104 2831 180 932
NII14 56010 9419 5349 52011 60212 39511 22113 14514 44116 06217 63817 959
NCI15 24313 94913 44612 59414 45914 35113 02614 22017 88317 05816 91816 888
NCI / NII104,7%127,5%141,0%132,3%124,6%115,8%116,1%108,2%123,8%106,2%95,9%94,0%

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.

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