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Central Bank of Russia registration number: 1765  retail lending

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	0,73%	1,70%	1,27%	0,00%	2,52%	1,35%	2,33%	1,99%	0,40%	-0,21%	0,03%	0,66%
RoE	1,98%	4,57%	3,44%	0,00%	6,75%	3,54%	6,26%	5,22%	1,04%	-0,55%	0,09%	1,69%
Leverage cap. adequacy	2,7 / 37,2%	2,7 / 37,3%	2,7 / 36,9%	2,7 / 36,5%	2,7 / 37,4%	2,6 / 38,3%	2,7 / 37,3%	2,6 / 38,3%	2,6 / 38,6%	2,6 / 39,0%	2,6 / 38,4%	2,6 / 39,1%
NIM	11,00%	10,79%	10,71%	0,00%	10,58%	10,94%	11,05%	11,16%	11,92%	9,60%	8,25%	12,11%
Return on assets	12,98%	12,80%	12,77%	0,00%	13,03%	13,56%	13,81%	14,11%	15,41%	15,70%	15,78%	15,83%
Cost of liabilities	3,19%	3,28%	3,33%	0,00%	3,88%	4,13%	4,21%	4,70%	5,56%	5,64%	5,48%	5,53%
Net spread	9,79%	9,52%	9,44%	0,00%	9,15%	9,43%	9,60%	9,41%	9,85%	10,06%	10,30%	10,30%
Cost / income	84,52%	74,97%	77,51%	0,00%	72,85%	72,94%	78,31%	80,28%	88,76%	109,94%	98,63%	80,46%
Cost of assets	14,67%	12,66%	12,86%	0,00%	12,32%	12,10%	12,46%	13,29%	16,74%	17,62%	14,77%	14,14%
Net assets	1 060 081	1 053 574	1 051 906	1 059 829	1 044 564	1 028 525	1 029 252	986 538	972 391	985 937	1 014 660	1 074 327
Average equity	394 773	393 035	388 337	387 088	390 975	393 484	383 959	377 371	375 421	384 284	389 855	419 717
Average % assets	1 010 673	1 017 005	1 006 859	1 013 081	991 658	957 070	941 326	925 962	913 010	901 912	903 279	920 195
Average % liabilities	627 067	621 577	621 405	638 094	624 915	606 300	617 370	580 800	566 240	566 376	588 614	619 220
NII	111 210	82 340	53 931	26 579	105 005	78 544	52 027	25 847	108 858	64 981	37 276	27 881
NCI	29 145	21 357	13 648	6 504	30 397	21 722	13 646	6 768	30 373	21 929	13 809	6 398
NCI / NII	26,2%	25,9%	25,3%	24,5%	28,9%	27,7%	26,2%	26,2%	27,9%	33,7%	37,0%	22,9%

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	-2,14%	2,58%	1,87%	0,00%	6,10%	-0,61%	2,76%	1,99%	2,27%	-0,72%	-0,62%	0,66%
RoE	-5,75%	6,93%	5,08%	0,00%	16,30%	-1,60%	7,40%	5,22%	5,88%	-1,85%	-1,63%	1,69%
Leverage cap. adequacy	2,7 / 37,2%	2,7 / 37,3%	2,7 / 36,9%	2,7 / 36,5%	2,7 / 37,4%	2,6 / 38,3%	2,7 / 37,3%	2,6 / 38,3%	2,6 / 38,6%	2,6 / 39,0%	2,6 / 38,4%	2,6 / 39,1%
NIM	11,42%	11,17%	10,86%	0,00%	10,67%	11,08%	11,12%	11,16%	19,22%	12,28%	4,16%	12,11%
Return on assets	13,28%	13,12%	12,90%	0,00%	12,88%	13,50%	13,74%	14,11%	15,11%	15,49%	15,44%	15,83%
Cost of liabilities	3,00%	3,19%	3,29%	0,00%	3,50%	3,82%	4,00%	4,70%	5,32%	5,52%	5,16%	5,53%
Net spread	10,28%	9,93%	9,61%	0,00%	9,38%	9,68%	9,74%	9,41%	9,79%	9,97%	10,28%	10,30%
Cost / income	111,07%	70,28%	73,50%	0,00%	72,60%	63,88%	76,27%	80,28%	53,12%	128,23%	129,10%	80,46%
Cost of assets	20,39%	12,51%	12,73%	0,00%	13,80%	11,82%	11,90%	13,29%	14,93%	23,56%	14,45%	14,14%
Net assets	1 060 081	1 053 574	1 051 906	1 059 829	1 044 564	1 028 525	1 029 252	986 538	972 391	985 937	1 014 660	1 074 327
Average equity	394 773	393 035	388 337	387 088	390 975	393 484	383 959	377 371	375 421	384 284	389 855	419 717
Average % assets	1 010 673	1 017 005	1 006 859	1 013 081	991 658	957 070	941 326	925 962	913 010	901 912	903 279	920 195
Average % liabilities	627 067	621 577	621 405	638 094	624 915	606 300	617 370	580 800	566 240	566 376	588 614	619 220
NII	28 870	28 409	27 352	26 579	26 461	26 517	26 180	25 847	43 877	27 705	9 395	27 881
NCI	7 788	7 709	7 144	6 504	8 675	8 076	6 878	6 768	8 444	8 120	7 411	6 398
NCI / NII	27,0%	27,1%	26,1%	24,5%	32,8%	30,5%	26,3%	26,2%	19,2%	29,3%	78,9%	22,9%

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 - 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.