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Central Bank of Russia registration number: 1885  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	2,12%	0,98%	1,82%	0,00%	1,67%	0,98%	1,37%	3,96%	1,58%	0,67%	0,47%	1,30%
RoE	16,92%	8,07%	14,65%	0,00%	15,49%	9,13%	11,56%	34,72%	14,68%	6,17%	4,00%	12,37%
Leverage cap. adequacy	8,0 / 12,5%	8,2 / 12,2%	8,0 / 12,5%	8,7 / 11,5%	9,2 / 10,8%	9,3 / 10,8%	8,4 / 11,9%	8,8 / 11,4%	9,3 / 10,8%	9,1 / 11,0%	8,5 / 11,8%	9,5 / 10,5%
NIM	5,78%	6,06%	6,69%	0,00%	4,36%	4,69%	5,42%	3,82%	6,04%	6,07%	8,36%	9,75%
Return on assets	8,86%	8,79%	8,91%	0,00%	9,08%	9,71%	10,47%	10,35%	10,73%	12,20%	13,24%	14,61%
Cost of liabilities	4,58%	4,66%	4,74%	0,00%	5,41%	5,81%	6,38%	6,70%	6,03%	6,28%	5,58%	4,82%
Net spread	4,28%	4,13%	4,17%	0,00%	3,67%	3,90%	4,09%	3,65%	4,70%	5,92%	7,66%	9,79%
Cost / income	74,91%	76,86%	76,30%	0,00%	67,62%	72,03%	68,34%	76,68%	62,23%	81,71%	75,18%	71,57%
Cost of assets	8,69%	8,97%	9,65%	0,00%	8,06%	8,36%	8,37%	8,42%	9,39%	10,39%	10,54%	10,04%
Net assets	61 886 840	60 174 805	59 319 241	60 563 527	61 085 977	57 508 769	53 835 718	54 426 565	51 665 248	48 035 755	46 459 819	49 355 977
Average equity	7 765 553	7 317 533	7 403 130	6 987 040	6 615 600	6 193 014	6 412 559	6 217 245	5 561 730	5 284 591	5 470 195	5 190 079
Average % assets	52 022 506	50 437 390	48 441 913	49 987 522	50 171 846	47 301 075	44 655 112	47 079 626	44 988 480	39 946 641	38 738 258	41 489 317
Average % liabilities	51 689 254	50 335 734	49 545 596	51 376 915	52 487 749	49 626 573	46 017 853	47 006 011	45 045 287	41 720 191	39 807 392	42 988 601
NII	3 010 522	2 292 834	1 621 680	1 052 141	2 190 918	1 666 711	1 210 158	449 744	2 719 143	1 819 921	1 620 483	1 011 938
NCI	1 102 228	788 468	499 829	243 415	989 251	693 838	419 823	229 374	913 306	646 554	411 291	179 722
NCI / NII	36,6%	34,4%	30,8%	23,1%	45,2%	41,6%	34,7%	51,0%	33,6%	35,5%	25,4%	17,8%

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	5,63%	-0,66%	1,35%	0,00%	3,93%	0,37%	-1,25%	3,96%	4,42%	1,12%	-0,43%	1,30%
RoE	44,87%	-5,43%	10,85%	0,00%	36,31%	3,46%	-10,54%	34,72%	41,12%	10,22%	-3,73%	12,37%
Leverage cap. adequacy	8,0 / 12,5%	8,2 / 12,2%	8,0 / 12,5%	8,7 / 11,5%	9,2 / 10,8%	9,3 / 10,8%	8,4 / 11,9%	8,8 / 11,4%	9,3 / 10,8%	9,1 / 11,0%	8,5 / 11,8%	9,5 / 10,5%
NIM	5,51%	5,32%	4,70%	0,00%	4,17%	3,86%	6,81%	3,82%	7,99%	1,99%	6,28%	9,75%
Return on assets	9,86%	9,27%	9,02%	0,00%	8,85%	9,37%	10,03%	10,35%	10,41%	10,94%	10,83%	14,61%
Cost of liabilities	4,70%	4,67%	4,30%	0,00%	5,14%	5,61%	5,91%	6,70%	6,67%	8,18%	5,96%	4,82%
Net spread	5,16%	4,60%	4,72%	0,00%	3,71%	3,76%	4,12%	3,65%	3,74%	2,76%	4,87%	9,79%
Cost / income	69,64%	78,14%	85,10%	0,00%	58,23%	79,27%	60,79%	76,68%	37,12%	98,29%	79,39%	71,57%
Cost of assets	8,75%	8,40%	8,80%	0,00%	8,88%	9,32%	7,81%	8,42%	9,79%	10,60%	10,28%	10,04%
Net assets	61 886 840	60 174 805	59 319 241	60 563 527	61 085 977	57 508 769	53 835 718	54 426 565	51 665 248	48 035 755	46 459 819	49 355 977
Average equity	7 765 553	7 317 533	7 403 130	6 987 040	6 615 600	6 193 014	6 412 559	6 217 245	5 561 730	5 284 591	5 470 195	5 190 079
Average % assets	52 022 506	50 437 390	48 441 913	49 987 522	50 171 846	47 301 075	44 655 112	47 079 626	44 988 480	39 946 641	38 738 258	41 489 317
Average % liabilities	51 689 254	50 335 734	49 545 596	51 376 915	52 487 749	49 626 573	46 017 853	47 006 011	45 045 287	41 720 191	39 807 392	42 988 601
NII	717 688	671 154	569 539	1 052 141	524 207	456 553	760 414	449 744	899 222	199 438	608 545	1 011 938
NCI	313 760	288 639	256 414	243 415	295 413	274 015	190 449	229 374	266 752	235 263	231 569	179 722
NCI / NII	43,7%	43,0%	45,0%	23,1%	56,4%	60,0%	25,0%	51,0%	29,7%	118,0%	38,1%	17,8%

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.