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Central Bank of Russia registration number: 1439  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 Discuss143

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%	-2,53%	0,12%	0,17%	0,67%	2,77%	2,95%	1,95%	2,36%
RoE	0,00%	0,00%	0,00%	0,00%	-22,45%	1,32%	2,01%	7,43%	30,06%	37,61%	27,21%	31,27%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,6 / 21,8%	7,0 / 14,4%	8,9 / 11,3%	10,7 / 9,3%	11,5 / 8,7%	11,0 / 9,1%	10,8 / 9,2%	12,7 / 7,9%	13,9 / 7,2%	13,2 / 7,6%
NIM	0,00%	0,00%	0,00%	0,00%	5,13%	4,20%	3,86%	3,87%	5,03%	5,04%	5,21%	4,74%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,17%	7,65%	7,57%	7,96%	8,68%	8,42%	8,76%	9,02%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	5,64%	4,43%	4,47%	4,77%	5,06%	4,99%	5,16%	5,13%
Net spread	0,00%	0,00%	0,00%	0,00%	3,53%	3,22%	3,10%	3,19%	3,62%	3,43%	3,60%	3,89%
Cost / income	0,00%	0,00%	0,00%	0,00%	74,36%	64,23%	71,96%	60,75%	58,03%	55,36%	55,53%	61,72%
Cost of assets	0,00%	0,00%	0,00%	0,00%	6,97%	4,92%	4,87%	4,35%	4,84%	4,64%	4,86%	4,81%
Net assets	0	0	76 921 733	117 686 169	167 686 146	230 851 173	246 419 450	247 254 300	248 866 580	252 262 609	244 264 615	248 313 725
Average equity	0	0	16 803 586	16 908 420	18 932 431	21 555 870	21 505 115	22 505 463	22 941 957	19 829 084	17 584 352	18 765 337
Average % assets	0	0	98 530 981	139 424 959	182 468 116	239 276 541	252 236 851	248 652 493	247 364 894	257 921 604	251 051 837	250 687 299
Average % liabilities	0	0	57 565 855	98 164 910	145 569 498	205 511 718	221 078 426	220 110 357	220 382 411	225 594 275	219 147 504	222 006 576
NII	0	0	0	1 532 048	9 362 762	7 547 945	4 877 177	2 407 893	12 452 996	9 756 952	6 547 404	2 973 945
NCI	0	0	0	120 720	2 695 793	2 382 625	1 640 660	896 682	4 600 842	3 313 209	2 131 969	1 038 731
NCI / NII	-	-	-	7,9%	28,8%	31,6%	33,6%	37,2%	36,9%	34,0%	32,6%	34,9%

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%	-0,25%	0,00%	-10,65%	0,00%	-0,32%	0,67%	2,09%	5,07%	1,51%	2,36%
RoE	0,00%	0,00%	-1,18%	0,00%	-94,34%	-0,04%	-3,75%	7,43%	22,73%	64,59%	21,04%	31,27%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	4,6 / 21,8%	7,0 / 14,4%	8,9 / 11,3%	10,7 / 9,3%	11,5 / 8,7%	11,0 / 9,1%	10,8 / 9,2%	12,7 / 7,9%	13,9 / 7,2%	13,2 / 7,6%
NIM	0,00%	0,00%	0,00%	0,00%	3,97%	4,46%	3,91%	3,87%	4,35%	4,97%	5,69%	4,74%
Return on assets	0,00%	0,00%	0,00%	0,00%	6,57%	6,98%	7,29%	7,96%	8,39%	8,20%	8,51%	9,02%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	3,80%	3,67%	4,20%	4,77%	4,92%	4,94%	5,12%	5,13%
Net spread	0,00%	0,00%	0,00%	0,00%	2,77%	3,31%	3,09%	3,19%	3,47%	3,26%	3,39%	3,89%
Cost / income	0,00%	0,00%	71,49%	0,00%	141,42%	51,18%	84,27%	60,75%	67,26%	55,00%	50,44%	61,72%
Cost of assets	0,00%	0,00%	-9,66%	0,00%	6,96%	4,38%	5,44%	4,35%	5,04%	4,53%	4,84%	4,81%
Net assets	0	0	76 921 733	117 686 169	167 686 146	230 851 173	246 419 450	247 254 300	248 866 580	252 262 609	244 264 615	248 313 725
Average equity	0	0	16 803 586	16 908 420	18 932 431	21 555 870	21 505 115	22 505 463	22 941 957	19 829 084	17 584 352	18 765 337
Average % assets	0	0	98 530 981	139 424 959	182 468 116	239 276 541	252 236 851	248 652 493	247 364 894	257 921 604	251 051 837	250 687 299
Average % liabilities	0	0	57 565 855	98 164 910	145 569 498	205 511 718	221 078 426	220 110 357	220 382 411	225 594 275	219 147 504	222 006 576
NII	0	0	0	1 532 048	1 814 817	2 670 768	2 469 284	2 407 893	2 696 044	3 209 548	3 573 459	2 973 945
NCI	0	0	0	120 720	313 168	741 965	743 978	896 682	1 287 633	1 181 240	1 093 238	1 038 731
NCI / NII	-	-	-	7,9%	17,3%	27,8%	30,1%	37,2%	47,8%	36,8%	30,6%	34,9%

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 - 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.