Архив рассылки

	TSENTROKREDITI want to buy a research	добавить к сравнению
Central Bank of Russia registration number: 121  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	2,40%	0,44%	-1,32%	0,00%	3,30%	-3,18%	-0,02%	-28,91%	16,56%	12,88%	17,05%	14,16%
RoE	5,61%	1,06%	-3,38%	0,00%	8,87%	-8,21%	-0,07%	-82,89%	45,24%	38,32%	55,57%	47,65%
Leverage cap. adequacy	2,3 / 42,8%	2,4 / 41,8%	2,6 / 39,2%	2,6 / 38,2%	2,7 / 37,3%	2,6 / 38,7%	2,7 / 37,2%	2,9 / 34,9%	2,7 / 36,6%	3,0 / 33,6%	3,3 / 30,7%	3,4 / 29,7%
NIM	3,01%	2,86%	2,39%	0,00%	3,40%	3,44%	3,42%	3,04%	3,03%	3,11%	1,31%	2,05%
Return on assets	6,11%	5,48%	5,22%	0,00%	6,08%	6,23%	6,40%	6,27%	6,41%	6,67%	6,55%	6,78%
Cost of liabilities	5,86%	4,89%	4,13%	0,00%	4,17%	4,49%	4,72%	4,84%	6,83%	7,15%	7,23%	7,21%
Net spread	0,25%	0,59%	1,09%	0,00%	1,91%	1,74%	1,68%	1,43%	-0,42%	-0,48%	-0,68%	-0,43%
Cost / income	38,10%	20,39%	22,90%	0,00%	14,62%	14,57%	9,55%	15,11%	6,35%	6,74%	4,87%	5,08%
Cost of assets	2,26%	1,96%	1,51%	0,00%	1,46%	1,45%	1,40%	1,52%	1,55%	1,58%	1,37%	1,38%
Net assets	81 572 470	92 344 526	98 294 200	99 765 242	98 963 429	95 957 272	97 295 828	103 421 169	100 426 301	98 326 836	100 899 094	92 214 642
Average equity	34 889 734	38 593 359	38 506 082	38 150 995	36 899 001	37 159 429	36 169 715	36 077 353	36 769 617	33 065 236	30 960 315	27 410 783
Average % assets	93 628 091	103 226 734	109 290 155	109 219 706	108 587 894	107 434 791	106 628 866	111 034 038	109 491 356	106 976 035	108 242 641	101 129 798
Average % liabilities	45 622 593	52 382 817	58 061 776	59 958 698	60 523 540	57 122 990	59 686 013	65 001 412	62 376 106	64 012 033	69 043 382	64 151 091
NII	2 818 268	2 221 471	1 310 174	804 435	3 699 514	2 771 971	1 824 441	845 641	3 322 430	2 498 432	713 086	520 660
NCI	425 356	302 960	194 526	98 714	438 009	329 476	248 833	155 359	516 857	370 852	248 521	115 066
NCI / NII	15,1%	13,6%	14,8%	12,3%	11,8%	11,9%	13,6%	18,4%	15,6%	14,8%	34,9%	22,1%

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	8,08%	4,16%	2,28%	0,00%	22,48%	-9,48%	30,68%	-28,91%	28,40%	3,67%	21,15%	14,16%
RoE	18,91%	9,95%	5,83%	0,00%	60,29%	-24,49%	82,53%	-82,89%	77,57%	10,91%	68,95%	47,65%
Leverage cap. adequacy	2,3 / 42,8%	2,4 / 41,8%	2,6 / 39,2%	2,6 / 38,2%	2,7 / 37,3%	2,6 / 38,7%	2,7 / 37,2%	2,9 / 34,9%	2,7 / 36,6%	3,0 / 33,6%	3,3 / 30,7%	3,4 / 29,7%
NIM	2,54%	3,53%	1,85%	0,00%	3,41%	3,52%	3,67%	3,04%	3,01%	6,67%	0,71%	2,05%
Return on assets	6,29%	5,40%	5,33%	0,00%	5,84%	5,98%	6,28%	6,27%	6,07%	6,76%	6,77%	6,78%
Cost of liabilities	6,59%	5,52%	4,43%	0,00%	3,97%	3,60%	4,17%	4,84%	5,34%	5,84%	7,76%	7,21%
Net spread	-0,30%	-0,12%	0,90%	0,00%	1,87%	2,38%	2,11%	1,43%	0,73%	0,92%	-0,99%	-0,43%
Cost / income	0,00%	17,96%	18,42%	0,00%	14,76%	188,06%	6,49%	15,11%	5,46%	14,69%	4,70%	5,08%
Cost of assets	2,47%	2,63%	1,67%	0,00%	1,57%	1,58%	1,23%	1,52%	1,64%	1,97%	1,46%	1,38%
Net assets	81 572 470	92 344 526	98 294 200	99 765 242	98 963 429	95 957 272	97 295 828	103 421 169	100 426 301	98 326 836	100 899 094	92 214 642
Average equity	34 889 734	38 593 359	38 506 082	38 150 995	36 899 001	37 159 429	36 169 715	36 077 353	36 769 617	33 065 236	30 960 315	27 410 783
Average % assets	93 628 091	103 226 734	109 290 155	109 219 706	108 587 894	107 434 791	106 628 866	111 034 038	109 491 356	106 976 035	108 242 641	101 129 798
Average % liabilities	45 622 593	52 382 817	58 061 776	59 958 698	60 523 540	57 122 990	59 686 013	65 001 412	62 376 106	64 012 033	69 043 382	64 151 091
NII	596 797	911 297	505 739	804 435	927 543	947 530	978 800	845 641	823 998	1 785 346	192 426	520 660
NCI	122 396	108 434	95 812	98 714	108 533	80 643	93 474	155 359	146 005	122 331	133 455	115 066
NCI / NII	20,5%	11,9%	18,9%	12,3%	11,7%	8,5%	9,5%	18,4%	17,7%	6,9%	69,4%	22,1%

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 - 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.