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Central Bank of Russia registration number: 1288  complies with 214-FZ (equity construction)

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	0,45%	-0,19%	-0,40%	0,00%	0,12%	-0,06%	0,76%	1,91%	-0,04%	0,15%	0,86%	-1,57%
RoE	3,87%	-1,60%	-3,25%	0,00%	0,97%	-0,49%	5,07%	14,23%	-0,36%	1,03%	5,50%	-10,99%
Leverage cap. adequacy	8,4 / 11,8%	8,4 / 11,9%	8,0 / 12,5%	7,8 / 12,8%	7,6 / 13,2%	7,1 / 14,0%	6,6 / 15,1%	7,4 / 13,4%	7,6 / 13,2%	6,6 / 15,1%	6,3 / 15,8%	7,0 / 14,3%
NIM	5,46%	5,55%	5,17%	0,00%	5,18%	5,52%	5,90%	5,54%	6,15%	6,27%	6,75%	6,34%
Return on assets	6,94%	6,93%	7,10%	0,00%	7,26%	7,83%	8,55%	7,96%	8,32%	9,25%	9,89%	9,42%
Cost of liabilities	2,40%	2,38%	2,44%	0,00%	2,73%	3,05%	3,39%	3,16%	3,27%	3,66%	3,87%	3,59%
Net spread	4,54%	4,55%	4,66%	0,00%	4,53%	4,78%	5,16%	4,80%	5,05%	5,59%	6,02%	5,83%
Cost / income	85,28%	86,95%	95,70%	0,00%	95,22%	95,41%	100,45%	101,64%	90,31%	94,85%	89,88%	91,42%
Cost of assets	9,06%	9,18%	9,82%	0,00%	10,23%	10,88%	11,79%	10,40%	11,11%	12,52%	13,14%	11,93%
Net assets	7 883 073	7 583 786	7 214 530	7 271 341	7 118 211	6 699 777	6 371 030	7 146 987	6 981 997	6 385 490	6 128 606	6 731 620
Average equity	933 005	904 419	902 315	931 543	940 877	938 260	959 316	960 107	920 630	964 760	967 863	964 875
Average % assets	7 416 832	7 197 547	6 741 947	6 749 356	6 662 653	6 250 156	5 800 362	6 605 980	6 586 488	5 913 454	5 621 097	6 094 233
Average % liabilities	6 735 119	6 469 905	6 111 143	6 148 743	5 972 792	5 539 494	5 190 640	5 994 859	5 870 572	5 219 123	4 969 328	5 590 502
NII	405 071	299 802	174 427	85 820	345 167	259 071	171 250	91 500	405 440	278 254	189 969	96 734
NCI	227 637	162 450	104 683	51 169	226 656	161 947	103 333	57 484	261 542	187 601	119 691	58 148
NCI / NII	56,2%	54,2%	60,0%	59,6%	65,7%	62,5%	60,3%	62,8%	64,5%	67,4%	63,0%	60,1%

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	2,38%	0,19%	0,06%	0,00%	0,71%	-1,65%	-0,61%	1,91%	-0,61%	-1,20%	3,47%	-1,57%
RoE	20,16%	1,67%	0,50%	0,00%	5,37%	-11,84%	-4,10%	14,23%	-4,70%	-7,96%	21,97%	-10,99%
Leverage cap. adequacy	8,4 / 11,8%	8,4 / 11,9%	8,0 / 12,5%	7,8 / 12,8%	7,6 / 13,2%	7,1 / 14,0%	6,6 / 15,1%	7,4 / 13,4%	7,6 / 13,2%	6,6 / 15,1%	6,3 / 15,8%	7,0 / 14,3%
NIM	5,67%	6,96%	5,25%	0,00%	5,16%	5,62%	5,49%	5,54%	7,72%	5,97%	6,63%	6,34%
Return on assets	7,59%	7,48%	7,33%	0,00%	7,02%	7,62%	8,04%	7,96%	8,37%	8,94%	9,57%	9,42%
Cost of liabilities	2,72%	2,54%	2,55%	0,00%	2,43%	2,81%	3,13%	3,16%	3,32%	3,61%	3,70%	3,59%
Net spread	4,87%	4,94%	4,78%	0,00%	4,59%	4,81%	4,91%	4,80%	5,05%	5,33%	5,87%	5,83%
Cost / income	81,01%	73,86%	90,53%	0,00%	94,70%	86,87%	99,21%	101,64%	79,38%	105,67%	88,41%	91,42%
Cost of assets	9,70%	9,37%	9,43%	0,00%	10,77%	11,03%	11,39%	10,40%	11,45%	13,16%	13,18%	11,93%
Net assets	7 883 073	7 583 786	7 214 530	7 271 341	7 118 211	6 699 777	6 371 030	7 146 987	6 981 997	6 385 490	6 128 606	6 731 620
Average equity	933 005	904 419	902 315	931 543	940 877	938 260	959 316	960 107	920 630	964 760	967 863	964 875
Average % assets	7 416 832	7 197 547	6 741 947	6 749 356	6 662 653	6 250 156	5 800 362	6 605 980	6 586 488	5 913 454	5 621 097	6 094 233
Average % liabilities	6 735 119	6 469 905	6 111 143	6 148 743	5 972 792	5 539 494	5 190 640	5 994 859	5 870 572	5 219 123	4 969 328	5 590 502
NII	105 269	125 375	88 607	85 820	86 096	87 821	79 750	91 500	127 186	88 285	93 235	96 734
NCI	65 187	57 767	53 514	51 169	64 709	58 614	45 849	57 484	73 941	67 910	61 543	58 148
NCI / NII	61,9%	46,1%	60,4%	59,6%	75,2%	66,7%	57,5%	62,8%	58,1%	76,9%	66,0%	60,1%

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.