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Central Bank of Russia registration number: 1293

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%	0,16%	0,14%	0,21%	2,84%	-0,76%	-1,13%	1,02%	1,89%
RoE	0,00%	0,00%	0,00%	0,00%	2,98%	2,57%	3,33%	52,43%	-14,71%	-20,39%	14,73%	25,35%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	24,2 / 4,1%	22,7 / 4,4%	18,6 / 5,4%	17,5 / 5,7%	15,7 / 6,4%	18,4 / 5,4%	19,3 / 5,2%	18,0 / 5,6%	14,4 / 6,9%	13,3 / 7,5%
NIM	0,00%	0,00%	0,00%	0,00%	3,00%	3,21%	3,48%	3,06%	4,13%	5,30%	5,97%	5,62%
Return on assets	0,00%	0,00%	0,00%	0,00%	6,08%	7,10%	8,31%	7,44%	8,41%	10,57%	10,92%	9,81%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	2,36%	2,67%	2,95%	3,07%	3,31%	3,28%	3,27%	3,10%
Net spread	0,00%	0,00%	0,00%	0,00%	3,72%	4,43%	5,36%	4,37%	5,10%	7,29%	7,65%	6,71%
Cost / income	0,00%	0,00%	0,00%	0,00%	86,38%	87,05%	80,38%	60,64%	106,13%	108,06%	84,21%	78,41%
Cost of assets	0,00%	0,00%	0,00%	0,00%	9,83%	12,36%	14,57%	9,74%	14,09%	18,19%	14,96%	11,29%
Net assets	0	0	9 888 074	10 163 199	9 542 865	8 735 080	8 381 496	8 565 589	8 245 822	8 187 589	7 772 330	7 990 188
Average equity	0	0	408 565	447 244	512 790	499 508	533 028	464 481	427 967	454 896	539 214	598 677
Average % assets	0	0	5 989 136	6 970 842	6 534 792	5 427 389	4 613 292	5 546 080	5 795 668	4 619 212	4 541 294	5 455 166
Average % liabilities	0	0	9 302 759	9 533 182	8 826 159	7 996 950	7 605 452	7 884 708	7 733 098	7 627 859	7 117 532	7 290 465
NII	0	0	0	66 471	196 688	130 933	80 428	42 446	239 523	183 880	135 569	76 675
NCI	0	0	0	58 016	208 442	151 306	101 144	54 204	262 112	197 154	134 265	71 251
NCI / NII	-	-	-	87,3%	106,0%	115,6%	125,8%	127,7%	109,4%	107,2%	99,0%	92,9%

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%	0,53%	0,00%	0,23%	0,03%	-2,48%	2,84%	0,32%	-5,34%	0,09%	1,89%
RoE	0,00%	0,00%	12,97%	0,00%	4,38%	0,61%	-39,01%	52,43%	6,18%	-96,11%	1,31%	25,35%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	24,2 / 4,1%	22,7 / 4,4%	18,6 / 5,4%	17,5 / 5,7%	15,7 / 6,4%	18,4 / 5,4%	19,3 / 5,2%	18,0 / 5,6%	14,4 / 6,9%	13,3 / 7,5%
NIM	0,00%	0,00%	0,00%	0,00%	4,02%	3,72%	3,29%	3,06%	3,84%	4,18%	5,18%	5,62%
Return on assets	0,00%	0,00%	0,00%	0,00%	6,65%	7,17%	7,67%	7,44%	8,37%	10,23%	10,07%	9,81%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	2,20%	2,40%	2,71%	3,07%	3,55%	3,72%	3,37%	3,10%
Net spread	0,00%	0,00%	0,00%	0,00%	4,45%	4,77%	4,96%	4,37%	4,82%	6,51%	6,70%	6,71%
Cost / income	0,00%	0,00%	91,41%	0,00%	84,11%	104,12%	103,54%	60,64%	100,29%	161,87%	89,81%	78,41%
Cost of assets	0,00%	0,00%	-9,79%	0,00%	8,74%	12,47%	17,27%	9,74%	13,19%	25,11%	16,24%	11,29%
Net assets	0	0	9 888 074	10 163 199	9 542 865	8 735 080	8 381 496	8 565 589	8 245 822	8 187 589	7 772 330	7 990 188
Average equity	0	0	408 565	447 244	512 790	499 508	533 028	464 481	427 967	454 896	539 214	598 677
Average % assets	0	0	5 989 136	6 970 842	6 534 792	5 427 389	4 613 292	5 546 080	5 795 668	4 619 212	4 541 294	5 455 166
Average % liabilities	0	0	9 302 759	9 533 182	8 826 159	7 996 950	7 605 452	7 884 708	7 733 098	7 627 859	7 117 532	7 290 465
NII	0	0	0	66 471	65 755	50 505	37 982	42 446	55 643	48 311	58 894	76 675
NCI	0	0	0	58 016	57 136	50 162	46 940	54 204	64 958	62 889	63 014	71 251
NCI / NII	-	-	-	87,3%	86,9%	99,3%	123,6%	127,7%	116,7%	130,2%	107,0%	92,9%

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.