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Central Bank of Russia registration number: 1136  retail funding

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	0,00%	0,00%	0,00%	0,00%	-0,27%	1,01%	0,99%	2,76%	1,19%	1,30%	1,14%	0,04%
RoE	0,00%	0,00%	0,00%	0,00%	-1,42%	5,27%	5,16%	14,12%	6,06%	6,45%	5,51%	0,25%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,7 / 21,3%	4,9 / 20,6%	5,2 / 19,3%	5,2 / 19,2%	5,2 / 19,3%	5,1 / 19,6%	5,1 / 19,6%	5,0 / 20,2%	4,8 / 20,8%	5,1 / 19,8%
NIM	0,00%	0,00%	0,00%	0,00%	7,94%	8,20%	8,14%	8,40%	11,36%	13,31%	16,99%	22,65%
Return on assets	0,00%	0,00%	0,00%	0,00%	10,60%	10,77%	10,67%	10,53%	15,04%	16,86%	20,17%	27,03%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,49%	4,77%	5,09%	5,35%	5,13%	5,27%	5,46%	5,18%
Net spread	0,00%	0,00%	0,00%	0,00%	6,11%	6,00%	5,58%	5,18%	9,91%	11,59%	14,71%	21,85%
Cost / income	0,00%	0,00%	0,00%	0,00%	65,78%	60,57%	64,16%	62,12%	47,27%	40,76%	30,35%	23,54%
Cost of assets	0,00%	0,00%	0,00%	0,00%	6,62%	6,33%	6,56%	6,76%	6,96%	7,00%	6,72%	6,97%
Net assets	0	0	1 434 981	1 595 421	1 721 672	1 716 377	1 697 570	1 702 831	1 691 252	1 619 758	1 548 304	1 615 378
Average equity	0	0	305 737	327 941	332 284	328 724	327 384	332 988	332 005	326 866	322 365	319 204
Average % assets	0	0	1 244 680	1 408 192	1 536 128	1 564 783	1 599 678	1 613 305	1 601 033	1 549 568	1 473 796	1 505 856
Average % liabilities	0	0	1 124 469	1 262 584	1 382 684	1 381 794	1 364 603	1 364 206	1 353 866	1 283 708	1 211 447	1 280 378
NII	0	0	0	0	122 003	96 306	65 123	33 900	181 980	154 748	125 201	85 296
NCI	0	0	0	0	15 287	10 274	6 026	3 029	18 133	12 402	7 732	3 424
NCI / NII	-	-	-	-	12,5%	10,7%	9,3%	8,9%	10,0%	8,0%	6,2%	4,0%

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	0,00%	0,00%	0,00%	0,00%	-4,12%	1,06%	-0,77%	2,76%	1,02%	1,71%	2,24%	0,04%
RoE	0,00%	0,00%	0,00%	0,00%	-21,37%	5,54%	-4,03%	14,12%	5,20%	8,48%	10,78%	0,25%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,7 / 21,3%	4,9 / 20,6%	5,2 / 19,3%	5,2 / 19,2%	5,2 / 19,3%	5,1 / 19,6%	5,1 / 19,6%	5,0 / 20,2%	4,8 / 20,8%	5,1 / 19,8%
NIM	0,00%	0,00%	0,00%	0,00%	6,69%	7,97%	7,80%	8,40%	6,80%	7,62%	10,83%	22,65%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,50%	10,48%	10,73%	10,53%	11,22%	12,20%	12,73%	27,03%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	3,65%	4,24%	4,83%	5,35%	5,53%	5,52%	5,44%	5,18%
Net spread	0,00%	0,00%	0,00%	0,00%	5,85%	6,24%	5,90%	5,18%	5,69%	6,68%	7,29%	21,85%
Cost / income	0,00%	0,00%	0,00%	0,00%	86,36%	53,64%	66,54%	62,12%	81,43%	85,42%	46,37%	23,54%
Cost of assets	0,00%	0,00%	0,00%	0,00%	7,01%	5,73%	6,28%	6,76%	7,68%	8,32%	6,12%	6,97%
Net assets	0	0	1 434 981	1 595 421	1 721 672	1 716 377	1 697 570	1 702 831	1 691 252	1 619 758	1 548 304	1 615 378
Average equity	0	0	305 737	327 941	332 284	328 724	327 384	332 988	332 005	326 866	322 365	319 204
Average % assets	0	0	1 244 680	1 408 192	1 536 128	1 564 783	1 599 678	1 613 305	1 601 033	1 549 568	1 473 796	1 505 856
Average % liabilities	0	0	1 124 469	1 262 584	1 382 684	1 381 794	1 364 603	1 364 206	1 353 866	1 283 708	1 211 447	1 280 378
NII	0	0	0	0	25 697	31 183	31 223	33 900	27 232	29 547	39 905	85 296
NCI	0	0	0	0	5 013	4 248	2 997	3 029	5 731	4 670	4 308	3 424
NCI / NII	-	-	-	-	19,5%	13,6%	9,6%	8,9%	21,0%	15,8%	10,8%	4,0%

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.