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Central Bank of Russia registration number: 1052

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	5,38%	5,27%	2,26%	0,00%	1,30%	-0,57%	-3,55%	-11,64%	0,47%	0,19%	0,06%	0,20%
RoE	20,46%	21,90%	10,46%	0,00%	4,78%	-2,11%	-12,88%	-36,76%	2,10%	0,89%	0,20%	0,65%
Leverage cap. adequacy	3,8 / 26,3%	4,2 / 24,1%	4,6 / 21,7%	3,9 / 25,8%	3,7 / 27,2%	3,7 / 27,2%	3,6 / 27,6%	3,2 / 31,7%	4,4 / 22,7%	4,6 / 21,5%	3,3 / 30,6%	3,2 / 31,6%
NIM	8,60%	7,66%	7,92%	0,00%	8,12%	8,46%	9,31%	10,88%	10,04%	7,68%	10,29%	10,96%
Return on assets	8,29%	7,45%	7,81%	0,00%	8,10%	8,52%	9,30%	10,92%	8,62%	7,68%	10,26%	10,93%
Cost of liabilities	0,36%	0,28%	0,29%	0,00%	0,53%	0,55%	0,59%	0,62%	0,22%	0,23%	0,44%	0,42%
Net spread	7,93%	7,17%	7,52%	0,00%	7,57%	7,97%	8,71%	10,30%	8,40%	7,45%	9,82%	10,51%
Cost / income	49,12%	52,19%	58,04%	0,00%	78,23%	85,53%	94,07%	97,26%	83,19%	78,32%	96,19%	93,59%
Cost of assets	15,84%	14,11%	15,22%	0,00%	18,60%	19,27%	21,22%	25,84%	17,68%	16,19%	24,35%	24,98%
Net assets	2 468 811	2 254 299	2 075 906	1 712 652	1 543 481	1 472 168	1 400 676	1 256 142	1 822 940	1 839 900	1 246 690	1 162 017
Average equity	649 995	542 387	449 838	442 008	419 695	400 593	386 559	398 004	414 181	396 109	381 066	367 094
Average % assets	1 720 848	1 733 445	1 513 814	1 313 584	1 197 887	1 121 385	1 042 019	914 313	1 409 746	1 506 181	994 420	945 059
Average % liabilities	1 753 606	1 619 818	1 558 104	1 162 584	1 012 945	992 368	931 216	817 616	1 394 312	1 429 763	850 253	778 953
NII	148 052	99 670	59 996	26 357	97 326	71 174	48 538	24 876	141 541	86 839	51 167	25 896
NCI	232 680	149 027	87 469	37 758	102 644	61 878	36 478	20 635	75 940	84 460	35 261	20 217
NCI / NII	157,2%	149,5%	145,8%	143,3%	105,5%	86,9%	75,2%	83,0%	53,7%	97,3%	68,9%	78,1%

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	7,10%	11,63%	2,39%	0,00%	6,85%	5,04%	3,33%	-11,64%	1,32%	0,49%	-0,06%	0,20%
RoE	26,99%	48,36%	11,06%	0,00%	25,19%	18,53%	12,08%	-36,76%	5,83%	2,29%	-0,21%	0,65%
Leverage cap. adequacy	3,8 / 26,3%	4,2 / 24,1%	4,6 / 21,7%	3,9 / 25,8%	3,7 / 27,2%	3,7 / 27,2%	3,6 / 27,6%	3,2 / 31,7%	4,4 / 22,7%	4,6 / 21,5%	3,3 / 30,6%	3,2 / 31,6%
NIM	11,24%	9,15%	8,88%	0,00%	8,73%	8,07%	9,08%	10,88%	15,52%	9,47%	10,16%	10,96%
Return on assets	10,61%	8,72%	8,72%	0,00%	8,46%	8,28%	9,01%	10,92%	9,87%	9,50%	10,12%	10,93%
Cost of liabilities	0,68%	0,27%	0,30%	0,00%	0,48%	0,55%	0,64%	0,62%	0,18%	0,15%	0,50%	0,42%
Net spread	9,93%	8,45%	8,42%	0,00%	7,98%	7,73%	8,37%	10,30%	9,69%	9,35%	9,62%	10,51%
Cost / income	43,73%	44,62%	51,49%	0,00%	63,72%	71,84%	90,63%	97,26%	101,20%	57,21%	98,79%	93,59%
Cost of assets	20,52%	15,76%	15,59%	0,00%	20,27%	18,65%	19,67%	25,84%	18,31%	16,27%	25,01%	24,98%
Net assets	2 468 811	2 254 299	2 075 906	1 712 652	1 543 481	1 472 168	1 400 676	1 256 142	1 822 940	1 839 900	1 246 690	1 162 017
Average equity	649 995	542 387	449 838	442 008	419 695	400 593	386 559	398 004	414 181	396 109	381 066	367 094
Average % assets	1 720 848	1 733 445	1 513 814	1 313 584	1 197 887	1 121 385	1 042 019	914 313	1 409 746	1 506 181	994 420	945 059
Average % liabilities	1 753 606	1 619 818	1 558 104	1 162 584	1 012 945	992 368	931 216	817 616	1 394 312	1 429 763	850 253	778 953
NII	48 382	39 674	33 639	26 357	26 152	22 636	23 662	24 876	54 702	35 672	25 271	25 896
NCI	83 653	61 558	49 711	37 758	40 766	25 400	15 843	20 635	0	49 199	15 044	20 217
NCI / NII	172,9%	155,2%	147,8%	143,3%	155,9%	112,2%	67,0%	83,0%	0,0%	137,9%	59,5%	78,1%

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.