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Central Bank of Russia registration number: 1557  Bankenrettung, Retailbank

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	0,38%	0,00%	-0,15%	0,00%	2,58%	3,08%	4,54%	9,55%	2,62%	1,93%	2,52%	5,81%
RoE	1028,27%	10,80%	193,72%	0,00%	1708,38%	-924,58%	-851,42%	-622,37%	-79,78%	-49,37%	-57,76%	-131,04%
Leverage cap. adequacy	2680,5 / 0,0%	1724,5 / 0,1%	0,0 / 0,0%	11646,0 / 0,0%	661,7 / 0,2%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	5,98%	5,61%	6,39%	0,00%	11,25%	14,81%	21,27%	29,33%	6,54%	5,34%	6,43%	9,29%
Return on assets	16,88%	16,72%	16,84%	0,00%	17,89%	21,61%	26,64%	23,72%	19,03%	16,21%	18,16%	21,12%
Cost of liabilities	5,76%	5,55%	5,12%	0,00%	5,17%	5,95%	6,96%	6,90%	7,87%	7,76%	8,16%	8,40%
Net spread	11,12%	11,17%	11,72%	0,00%	12,72%	15,66%	19,68%	16,82%	11,16%	8,45%	10,00%	12,72%
Cost / income	13,82%	16,40%	19,71%	0,00%	10,25%	10,42%	9,36%	6,47%	16,79%	20,42%	20,03%	14,77%
Cost of assets	0,74%	0,76%	0,78%	0,00%	1,13%	1,49%	1,97%	1,94%	1,73%	1,47%	1,65%	1,80%
Net assets	166 304 480	153 814 071	144 376 236	143 409 360	132 123 045	117 649 086	104 358 174	105 060 979	104 583 009	108 717 965	102 197 976	97 525 387
Average equity	62 043	89 193	0	12 314	199 682	0	0	0	0	0	0	0
Average % assets	77 938 182	75 605 936	72 359 963	73 159 096	64 121 378	52 685 069	42 430 046	47 160 303	58 700 300	69 197 640	61 705 792	55 208 342
Average % liabilities	165 314 781	152 921 389	143 678 884	142 826 071	131 660 752	117 844 329	104 756 559	106 472 812	107 794 888	112 625 912	106 281 330	100 872 288
NII	4 666 270	3 183 831	2 314 819	1 220 518	7 218 837	5 853 205	4 514 211	3 458 635	3 843 140	2 773 408	1 984 719	1 282 843
NCI	201 246	163 974	105 277	43 306	193 227	143 947	96 345	66 447	446 496	342 693	231 023	100 984
NCI / NII	4,3%	5,2%	4,5%	3,5%	2,7%	2,5%	2,1%	1,9%	11,6%	12,4%	11,6%	7,9%

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	1,51%	0,30%	-0,30%	0,00%	2,09%	1,19%	-0,53%	9,55%	4,44%	1,07%	-0,50%	5,81%
RoE	4066,47%	533,87%	387,45%	0,00%	1382,91%	-357,12%	99,74%	-622,37%	-135,23%	-27,43%	11,64%	-131,04%
Leverage cap. adequacy	2680,5 / 0,0%	1724,5 / 0,1%	0,0 / 0,0%	11646,0 / 0,0%	661,7 / 0,2%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%
NIM	7,60%	4,59%	6,04%	0,00%	8,51%	10,16%	9,95%	29,33%	7,28%	4,55%	4,54%	9,29%
Return on assets	18,89%	17,93%	16,63%	0,00%	18,29%	21,93%	26,92%	23,72%	18,78%	16,24%	17,43%	21,12%
Cost of liabilities	7,66%	7,02%	5,52%	0,00%	4,72%	5,48%	6,90%	6,90%	7,16%	7,87%	8,34%	8,40%
Net spread	11,23%	10,91%	11,11%	0,00%	13,57%	16,45%	20,02%	16,82%	11,62%	8,37%	9,09%	12,72%
Cost / income	9,52%	12,45%	48,71%	0,00%	9,60%	14,29%	21,03%	6,47%	10,81%	21,23%	30,30%	14,77%
Cost of assets	0,77%	0,79%	0,82%	0,00%	0,91%	1,32%	1,76%	1,94%	1,68%	1,47%	1,69%	1,80%
Net assets	166 304 480	153 814 071	144 376 236	143 409 360	132 123 045	117 649 086	104 358 174	105 060 979	104 583 009	108 717 965	102 197 976	97 525 387
Average equity	62 043	89 193	0	12 314	199 682	0	0	0	0	0	0	0
Average % assets	77 938 182	75 605 936	72 359 963	73 159 096	64 121 378	52 685 069	42 430 046	47 160 303	58 700 300	69 197 640	61 705 792	55 208 342
Average % liabilities	165 314 781	152 921 389	143 678 884	142 826 071	131 660 752	117 844 329	104 756 559	106 472 812	107 794 888	112 625 912	106 281 330	100 872 288
NII	1 482 439	869 012	1 094 301	1 220 518	1 365 632	1 338 994	1 055 576	3 458 635	1 069 732	788 689	701 876	1 282 843
NCI	37 272	58 697	61 971	43 306	49 280	47 602	29 898	66 447	103 803	111 670	130 039	100 984
NCI / NII	2,5%	6,8%	5,7%	3,5%	3,6%	3,6%	2,8%	1,9%	9,7%	14,2%	18,5%	7,9%

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.