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Central Bank of Russia registration number: 1455  retail funding

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%	0,80%	0,74%	0,00%	-0,94%	-0,79%	-0,11%	0,83%	0,69%	0,74%	1,02%	3,40%
RoE	0,03%	5,71%	5,60%	0,00%	-7,04%	-5,72%	-0,77%	6,17%	4,79%	4,82%	6,41%	22,36%
Leverage cap. adequacy	6,7 / 14,9%	7,1 / 14,0%	7,5 / 13,3%	7,6 / 13,1%	7,5 / 13,4%	7,2 / 13,8%	7,0 / 14,4%	7,4 / 13,6%	6,9 / 14,5%	6,4 / 15,5%	6,3 / 15,9%	6,6 / 15,2%
NIM	11,72%	11,37%	11,66%	0,00%	7,83%	7,22%	7,31%	7,42%	6,50%	5,27%	5,12%	3,54%
Return on assets	11,42%	10,74%	10,17%	0,00%	10,51%	10,51%	11,10%	10,78%	10,99%	11,72%	12,09%	11,81%
Cost of liabilities	4,48%	4,20%	4,11%	0,00%	5,46%	5,76%	6,17%	6,22%	6,72%	7,35%	7,93%	9,08%
Net spread	6,94%	6,54%	6,06%	0,00%	5,05%	4,75%	4,93%	4,56%	4,27%	4,37%	4,16%	2,73%
Cost / income	73,13%	65,46%	64,20%	0,00%	87,85%	88,69%	85,41%	78,17%	89,86%	91,99%	88,68%	73,94%
Cost of assets	11,53%	10,22%	10,16%	0,00%	10,34%	9,82%	10,05%	9,55%	10,72%	10,66%	11,07%	10,03%
Net assets	5 836 091	6 204 429	6 420 862	6 493 991	6 135 085	6 172 355	6 076 509	6 391 173	6 263 359	5 933 287	5 797 497	6 036 172
Average equity	867 345	870 998	855 637	850 707	822 725	854 628	872 700	868 414	905 649	920 282	924 353	919 430
Average % assets	4 953 927	5 341 244	5 585 650	5 646 025	5 293 254	5 331 324	5 196 257	5 524 331	5 388 530	5 059 059	4 892 160	5 089 177
Average % liabilities	4 845 093	5 208 032	5 448 604	5 540 180	5 212 692	5 204 825	5 078 090	5 393 640	5 233 372	4 888 245	4 768 810	5 015 349
NII	580 883	455 754	325 823	117 982	414 495	288 875	189 998	102 484	350 741	199 992	125 392	45 106
NCI	129 616	102 048	68 621	31 966	129 424	82 499	53 678	29 904	139 114	100 337	66 629	32 159
NCI / NII	22,3%	22,4%	21,1%	27,1%	31,2%	28,6%	28,3%	29,2%	39,7%	50,2%	53,1%	71,3%

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	-2,53%	0,86%	0,29%	0,00%	-1,38%	-2,15%	-1,10%	0,83%	0,64%	0,24%	-1,50%	3,40%
RoE	-17,06%	6,12%	2,18%	0,00%	-10,34%	-15,58%	-7,68%	6,17%	4,48%	1,58%	-9,41%	22,36%
Leverage cap. adequacy	6,7 / 14,9%	7,1 / 14,0%	7,5 / 13,3%	7,6 / 13,1%	7,5 / 13,4%	7,2 / 13,8%	7,0 / 14,4%	7,4 / 13,6%	6,9 / 14,5%	6,4 / 15,5%	6,3 / 15,9%	6,6 / 15,2%
NIM	10,10%	9,73%	14,88%	0,00%	9,49%	7,41%	6,73%	7,42%	11,19%	5,89%	6,56%	3,54%
Return on assets	10,95%	10,96%	10,47%	0,00%	10,29%	9,89%	10,74%	10,78%	10,95%	11,76%	11,90%	11,81%
Cost of liabilities	4,36%	4,02%	4,04%	0,00%	4,61%	5,24%	5,73%	6,22%	6,29%	6,59%	6,30%	9,08%
Net spread	6,59%	6,94%	6,43%	0,00%	5,68%	4,65%	5,01%	4,56%	4,66%	5,17%	5,60%	2,73%
Cost / income	103,44%	68,52%	56,33%	0,00%	85,77%	95,96%	94,37%	78,17%	85,46%	99,29%	107,89%	73,94%
Cost of assets	13,17%	9,36%	10,86%	0,00%	11,60%	9,91%	9,92%	9,55%	13,28%	10,75%	11,69%	10,03%
Net assets	5 836 091	6 204 429	6 420 862	6 493 991	6 135 085	6 172 355	6 076 509	6 391 173	6 263 359	5 933 287	5 797 497	6 036 172
Average equity	867 345	870 998	855 637	850 707	822 725	854 628	872 700	868 414	905 649	920 282	924 353	919 430
Average % assets	4 953 927	5 341 244	5 585 650	5 646 025	5 293 254	5 331 324	5 196 257	5 524 331	5 388 530	5 059 059	4 892 160	5 089 177
Average % liabilities	4 845 093	5 208 032	5 448 604	5 540 180	5 212 692	5 204 825	5 078 090	5 393 640	5 233 372	4 888 245	4 768 810	5 015 349
NII	125 129	129 931	207 841	117 982	125 620	98 877	87 514	102 484	150 749	74 600	80 286	45 106
NCI	27 568	33 427	36 655	31 966	46 925	28 821	23 774	29 904	38 777	33 708	34 470	32 159
NCI / NII	22,0%	25,7%	17,6%	27,1%	37,4%	29,1%	27,2%	29,2%	25,7%	45,2%	42,9%	71,3%

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.