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Central Bank of Russia registration number: 1745  retail lending, car loans, retail funding, CB RF representative, complies with 214-FZ (equity construction)

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	4,25%	4,25%	4,13%	0,00%	2,76%	1,74%	-0,20%	0,83%	2,35%	1,89%	2,81%	-0,25%
RoE	27,33%	31,93%	34,16%	0,00%	21,20%	14,31%	-1,77%	7,54%	20,94%	16,27%	25,06%	-2,28%
Leverage cap. adequacy	6,4 / 15,6%	7,5 / 13,3%	8,3 / 12,1%	8,0 / 12,6%	7,7 / 13,0%	8,2 / 12,2%	8,7 / 11,5%	9,0 / 11,1%	8,9 / 11,2%	8,6 / 11,7%	8,9 / 11,2%	9,0 / 11,1%
NIM	11,47%	10,13%	9,71%	0,00%	9,78%	9,48%	8,96%	8,06%	9,37%	9,78%	10,12%	9,63%
Return on assets	13,27%	11,75%	11,53%	0,00%	12,94%	12,91%	13,05%	12,09%	13,27%	13,82%	14,38%	14,21%
Cost of liabilities	4,73%	4,32%	4,10%	0,00%	5,31%	5,38%	5,60%	5,64%	5,73%	5,80%	5,78%	5,88%
Net spread	8,54%	7,43%	7,43%	0,00%	7,63%	7,53%	7,45%	6,45%	7,54%	8,02%	8,60%	8,33%
Cost / income	38,58%	36,69%	37,61%	0,00%	37,04%	37,88%	44,81%	39,75%	39,15%	38,93%	35,13%	35,22%
Cost of assets	5,24%	4,34%	4,30%	0,00%	4,34%	4,21%	4,59%	3,65%	4,32%	4,46%	4,13%	3,84%
Net assets	31 788 779	34 190 974	34 473 412	33 338 099	33 056 275	33 838 174	33 929 855	36 916 120	37 181 987	37 017 940	36 617 875	35 965 494
Average equity	4 944 500	4 558 380	4 174 236	4 184 046	4 304 458	4 122 747	3 888 191	4 079 671	4 179 307	4 319 044	4 106 449	3 993 268
Average % assets	29 595 024	33 485 861	33 651 885	32 549 457	31 783 699	32 401 143	32 295 600	35 674 849	34 412 576	33 521 987	32 417 628	33 324 646
Average % liabilities	26 197 935	29 100 416	29 754 490	28 583 692	28 247 873	29 178 748	29 386 100	32 128 046	32 478 909	32 202 505	32 132 368	31 681 534
NII	3 395 128	2 546 508	1 634 196	764 954	3 109 636	2 304 625	1 446 897	719 084	3 226 747	2 459 469	1 640 947	802 764
NCI	418 850	297 474	201 311	103 873	367 523	183 637	89 841	46 908	213 874	155 702	99 568	50 328
NCI / NII	12,3%	11,7%	12,3%	13,6%	11,8%	8,0%	6,2%	6,5%	6,6%	6,3%	6,1%	6,3%

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	3,26%	4,43%	5,65%	0,00%	5,69%	5,63%	-1,31%	0,83%	3,74%	0,13%	5,86%	-0,25%
RoE	21,02%	33,24%	46,70%	0,00%	43,70%	46,28%	-11,46%	7,54%	33,33%	1,17%	52,34%	-2,28%
Leverage cap. adequacy	6,4 / 15,6%	7,5 / 13,3%	8,3 / 12,1%	8,0 / 12,6%	7,7 / 13,0%	8,2 / 12,2%	8,7 / 11,5%	9,0 / 11,1%	8,9 / 11,2%	8,6 / 11,7%	8,9 / 11,2%	9,0 / 11,1%
NIM	11,46%	10,89%	10,33%	0,00%	10,13%	10,58%	9,01%	8,06%	8,91%	9,76%	10,34%	9,63%
Return on assets	13,21%	12,07%	11,59%	0,00%	12,27%	12,71%	12,75%	12,09%	12,69%	13,66%	14,15%	14,21%
Cost of liabilities	4,53%	4,57%	4,09%	0,00%	4,60%	4,85%	5,04%	5,64%	5,66%	5,86%	5,76%	5,88%
Net spread	8,68%	7,50%	7,50%	0,00%	7,67%	7,86%	7,71%	6,45%	7,03%	7,80%	8,39%	8,33%
Cost / income	44,14%	35,01%	39,72%	0,00%	34,86%	26,75%	49,91%	39,75%	39,81%	46,25%	35,06%	35,22%
Cost of assets	6,07%	4,38%	4,76%	0,00%	4,56%	3,42%	5,09%	3,65%	4,27%	5,43%	4,32%	3,84%
Net assets	31 788 779	34 190 974	34 473 412	33 338 099	33 056 275	33 838 174	33 929 855	36 916 120	37 181 987	37 017 940	36 617 875	35 965 494
Average equity	4 944 500	4 558 380	4 174 236	4 184 046	4 304 458	4 122 747	3 888 191	4 079 671	4 179 307	4 319 044	4 106 449	3 993 268
Average % assets	29 595 024	33 485 861	33 651 885	32 549 457	31 783 699	32 401 143	32 295 600	35 674 849	34 412 576	33 521 987	32 417 628	33 324 646
Average % liabilities	26 197 935	29 100 416	29 754 490	28 583 692	28 247 873	29 178 748	29 386 100	32 128 046	32 478 909	32 202 505	32 132 368	31 681 534
NII	848 620	912 312	869 242	764 954	805 011	857 728	727 813	719 084	767 278	818 522	838 183	802 764
NCI	121 376	96 163	97 438	103 873	183 886	93 796	42 933	46 908	58 172	56 134	49 240	50 328
NCI / NII	14,3%	10,5%	11,2%	13,6%	22,8%	10,9%	5,9%	6,5%	7,6%	6,9%	5,9%	6,3%

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.