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Central Bank of Russia registration number: 1370

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	-2,11%	-1,54%	-2,67%	0,00%	0,29%	-1,20%	-1,27%	-3,63%	2,66%	3,41%	3,73%	3,50%
RoE	-13,69%	-9,57%	-15,77%	0,00%	1,69%	-7,06%	-7,66%	-23,85%	17,97%	24,92%	28,85%	28,44%
Leverage cap. adequacy	6,5 / 15,4%	6,2 / 16,2%	5,9 / 17,0%	5,5 / 18,3%	5,7 / 17,6%	5,9 / 17,0%	6,0 / 16,7%	6,6 / 15,2%	6,8 / 14,8%	7,3 / 13,7%	7,7 / 12,9%	8,1 / 12,3%
NIM	4,90%	4,45%	3,96%	0,00%	4,18%	3,92%	4,14%	4,40%	7,18%	7,03%	7,28%	7,42%
Return on assets	6,73%	6,32%	5,98%	0,00%	6,59%	5,98%	6,12%	6,39%	8,63%	8,30%	8,62%	8,78%
Cost of liabilities	1,84%	1,85%	2,01%	0,00%	2,43%	2,22%	2,16%	1,92%	1,40%	1,30%	1,34%	1,39%
Net spread	4,89%	4,47%	3,97%	0,00%	4,16%	3,76%	3,96%	4,47%	7,23%	7,00%	7,28%	7,39%
Cost / income	140,88%	133,69%	193,76%	0,00%	91,34%	84,38%	69,78%	54,77%	42,40%	36,59%	33,33%	32,48%
Cost of assets	4,77%	4,77%	5,22%	0,00%	5,93%	5,16%	5,10%	4,80%	4,23%	3,62%	3,50%	3,11%
Net assets	2 661 774	2 722 288	2 607 247	2 564 076	2 675 560	2 847 558	2 882 133	3 203 695	3 449 688	3 634 086	3 539 447	3 560 616
Average equity	410 348	439 978	442 608	468 057	471 573	484 088	481 008	487 737	510 753	497 314	458 266	438 433
Average % assets	2 190 276	2 178 575	2 076 682	1 992 861	2 141 585	2 442 069	2 493 149	2 517 671	2 596 181	2 901 877	2 893 579	3 143 935
Average % liabilities	2 230 049	2 260 396	2 138 522	2 067 697	2 174 052	2 336 141	2 370 644	2 686 254	2 920 802	3 120 890	3 064 912	3 102 076
NII	107 393	72 809	41 125	17 957	89 554	71 817	51 633	27 749	186 578	153 199	105 453	58 397
NCI	5 114	4 274	3 128	2 141	4 412	2 764	1 758	441	8 401	7 425	5 912	3 643
NCI / NII	4,8%	5,9%	7,6%	11,9%	4,9%	3,8%	3,4%	1,6%	4,5%	4,8%	5,6%	6,2%

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	-3,69%	0,48%	-1,80%	0,00%	5,03%	-1,01%	1,47%	-3,63%	-0,13%	2,95%	3,94%	3,50%
RoE	-23,95%	3,00%	-10,61%	0,00%	28,54%	-5,97%	8,86%	-23,85%	-0,90%	21,58%	30,50%	28,44%
Leverage cap. adequacy	6,5 / 15,4%	6,2 / 16,2%	5,9 / 17,0%	5,5 / 18,3%	5,7 / 17,6%	5,9 / 17,0%	6,0 / 16,7%	6,6 / 15,2%	6,8 / 14,8%	7,3 / 13,7%	7,7 / 12,9%	8,1 / 12,3%
NIM	6,31%	5,81%	4,46%	0,00%	3,31%	3,30%	3,83%	4,40%	5,14%	6,58%	6,50%	7,42%
Return on assets	8,05%	7,56%	6,43%	0,00%	5,87%	5,46%	5,79%	6,39%	6,71%	7,71%	7,69%	8,78%
Cost of liabilities	1,75%	1,75%	1,94%	0,00%	2,56%	2,29%	2,14%	1,92%	1,43%	1,27%	1,26%	1,39%
Net spread	6,30%	5,81%	4,49%	0,00%	3,31%	3,17%	3,65%	4,47%	5,28%	6,44%	6,43%	7,39%
Cost / income	167,29%	78,29%	136,31%	0,00%	120,59%	149,27%	93,02%	54,77%	71,36%	44,41%	34,16%	32,48%
Cost of assets	4,85%	4,36%	5,98%	0,00%	6,02%	5,03%	5,33%	4,80%	4,76%	3,89%	3,60%	3,11%
Net assets	2 661 774	2 722 288	2 607 247	2 564 076	2 675 560	2 847 558	2 882 133	3 203 695	3 449 688	3 634 086	3 539 447	3 560 616
Average equity	410 348	439 978	442 608	468 057	471 573	484 088	481 008	487 737	510 753	497 314	458 266	438 433
Average % assets	2 190 276	2 178 575	2 076 682	1 992 861	2 141 585	2 442 069	2 493 149	2 517 671	2 596 181	2 901 877	2 893 579	3 143 935
Average % liabilities	2 230 049	2 260 396	2 138 522	2 067 697	2 174 052	2 336 141	2 370 644	2 686 254	2 920 802	3 120 890	3 064 912	3 102 076
NII	34 584	31 684	23 168	17 957	17 737	20 184	23 884	27 749	33 379	47 746	47 056	58 397
NCI	840	1 146	987	2 141	1 648	1 006	1 317	441	976	1 513	2 269	3 643
NCI / NII	2,4%	3,6%	4,3%	11,9%	9,3%	5,0%	5,5%	1,6%	2,9%	3,2%	4,8%	6,2%

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.