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Central Bank of Russia registration number: 1637  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions1

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	1,59%	1,75%	2,20%	0,00%	1,64%	1,12%	0,30%	1,13%	1,85%	1,94%	2,51%	3,57%
RoE	11,77%	12,53%	16,21%	0,00%	11,45%	8,02%	2,19%	8,39%	12,59%	13,02%	18,77%	29,43%
Leverage cap. adequacy	7,4 / 13,6%	7,1 / 14,0%	7,3 / 13,6%	7,2 / 13,9%	7,0 / 14,3%	7,1 / 14,0%	7,2 / 13,9%	7,4 / 13,5%	6,8 / 14,7%	6,7 / 15,0%	7,5 / 13,4%	8,2 / 12,1%
NIM	2,73%	2,76%	2,57%	0,00%	1,83%	1,57%	1,63%	1,63%	0,00%	0,00%	0,00%	0,00%
Return on assets	6,82%	6,74%	6,53%	0,00%	7,04%	7,13%	7,57%	7,60%	7,92%	8,55%	8,41%	8,33%
Cost of liabilities	3,66%	3,59%	3,53%	0,00%	4,44%	4,75%	4,94%	5,10%	6,34%	7,26%	7,33%	7,15%
Net spread	3,16%	3,15%	3,00%	0,00%	2,60%	2,38%	2,63%	2,50%	1,58%	1,29%	1,08%	1,18%
Cost / income	89,97%	81,72%	73,20%	0,00%	89,16%	105,92%	102,81%	66,09%	217,50%	425,14%	951,44%	474,68%
Cost of assets	3,70%	3,60%	3,39%	0,00%	3,39%	3,47%	3,69%	3,15%	3,90%	4,19%	3,79%	3,45%
Net assets	74 503 576	74 280 361	75 659 851	75 401 477	73 749 612	72 771 254	70 510 561	72 200 671	67 471 248	62 703 812	65 169 323	64 384 919
Average equity	10 122 296	10 404 932	10 303 890	10 497 900	10 570 922	10 195 734	9 777 331	9 779 269	9 920 765	9 376 833	8 733 586	7 819 914
Average % assets	62 853 218	63 071 502	64 700 626	63 653 090	62 474 410	62 207 695	59 295 779	60 723 255	56 446 480	52 224 976	54 455 192	54 538 402
Average % liabilities	62 915 719	62 516 431	63 986 942	63 568 716	61 957 889	61 097 852	59 225 054	61 146 047	56 689 687	52 540 246	55 710 589	55 886 441
NII	1 716 777	1 306 935	831 979	401 840	1 146 477	732 595	484 050	247 973	0	0	0	0
NCI	690 602	497 640	327 572	157 585	650 870	471 165	302 198	174 711	642 502	442 156	287 960	147 663
NCI / NII	40,2%	38,1%	39,4%	39,2%	56,8%	64,3%	62,4%	70,5%	-	-	-	-

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	1,14%	0,77%	2,57%	0,00%	3,23%	2,78%	-0,55%	1,13%	1,97%	0,61%	1,50%	3,57%
RoE	8,44%	5,49%	18,88%	0,00%	22,59%	19,86%	-4,01%	8,39%	13,43%	4,10%	11,20%	29,43%
Leverage cap. adequacy	7,4 / 13,6%	7,1 / 14,0%	7,3 / 13,6%	7,2 / 13,9%	7,0 / 14,3%	7,1 / 14,0%	7,2 / 13,9%	7,4 / 13,5%	6,8 / 14,7%	6,7 / 15,0%	7,5 / 13,4%	8,2 / 12,1%
NIM	2,60%	3,01%	2,65%	0,00%	2,64%	1,59%	1,59%	1,63%	1,85%	0,00%	0,00%	0,00%
Return on assets	6,99%	6,81%	6,62%	0,00%	6,88%	6,94%	7,36%	7,60%	7,93%	8,13%	8,47%	8,33%
Cost of liabilities	3,93%	3,55%	3,55%	0,00%	3,72%	4,66%	4,62%	5,10%	5,19%	6,23%	7,49%	7,15%
Net spread	3,06%	3,26%	3,07%	0,00%	3,16%	2,28%	2,74%	2,50%	2,74%	1,90%	0,98%	1,18%
Cost / income	124,20%	103,62%	70,43%	0,00%	58,69%	112,99%	181,79%	66,09%	90,12%	218,95%	5723,40%	474,68%
Cost of assets	3,97%	3,83%	3,74%	0,00%	3,17%	3,39%	4,14%	3,15%	4,01%	4,65%	4,15%	3,45%
Net assets	74 503 576	74 280 361	75 659 851	75 401 477	73 749 612	72 771 254	70 510 561	72 200 671	67 471 248	62 703 812	65 169 323	64 384 919
Average equity	10 122 296	10 404 932	10 303 890	10 497 900	10 570 922	10 195 734	9 777 331	9 779 269	9 920 765	9 376 833	8 733 586	7 819 914
Average % assets	62 853 218	63 071 502	64 700 626	63 653 090	62 474 410	62 207 695	59 295 779	60 723 255	56 446 480	52 224 976	54 455 192	54 538 402
Average % liabilities	62 915 719	62 516 431	63 986 942	63 568 716	61 957 889	61 097 852	59 225 054	61 146 047	56 689 687	52 540 246	55 710 589	55 886 441
NII	409 842	474 956	430 139	401 840	413 882	248 545	236 077	247 973	261 888	0	0	0
NCI	192 962	170 068	169 987	157 585	179 705	168 967	127 487	174 711	200 346	154 196	140 297	147 663
NCI / NII	47,1%	35,8%	39,5%	39,2%	43,4%	68,0%	54,0%	70,5%	76,5%	-	-	-

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.