Mailing list archive

	SPIRITBANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2053

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. 2020	9 mon. 2020	6 mon. 2020	3 mon. 2020	12 mon. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	0,00%	0,00%	-1,14%	6,36%	0,50%	3,08%	5,36%
RoE	0,00%	0,00%	0,00%	-2,51%	16,49%	1,70%	11,13%	19,76%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,0 / 51,1%	2,2 / 45,7%	2,6 / 38,6%	3,4 / 29,3%	3,6 / 27,7%	3,7 / 27,2%
NIM	0,00%	0,00%	0,00%	4,74%	11,09%	8,97%	7,46%	7,06%
Return on assets	0,00%	0,00%	0,00%	7,83%	14,21%	13,43%	11,31%	10,86%
Cost of liabilities	0,00%	0,00%	0,00%	5,25%	7,34%	5,81%	4,90%	4,92%
Net spread	0,00%	0,00%	0,00%	2,58%	6,87%	7,62%	6,41%	5,94%
Cost / income	0,00%	0,00%	0,00%	126,63%	63,92%	64,92%	65,33%	80,89%
Cost of assets	0,00%	0,00%	0,00%	8,91%	10,23%	8,94%	7,25%	7,85%
Net assets	0	0	784 212	896 595	1 054 878	1 269 541	1 657 254	1 750 501
Average equity	0	0	400 625	409 296	406 791	371 568	458 850	475 639
Average % assets	0	0	649 554	732 449	903 081	1 092 062	1 436 179	1 557 838
Average % liabilities	0	0	337 672	432 109	602 530	855 714	1 154 738	1 228 719
NII	0	0	0	8 683	100 240	73 544	53 610	27 514
NCI	0	0	0	2 755	33 171	26 867	19 317	9 624
NCI / NII	-	-	-	31,7%	33,1%	36,5%	36,0%	35,0%

Key financial ratios of the bank for the quarter specified

	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	0,00%	0,00%	1,31%	-1,14%	23,64%	-6,55%	0,49%	5,36%
RoE	0,00%	0,00%	2,56%	-2,51%	61,30%	-22,38%	1,79%	19,76%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	2,0 / 51,1%	2,2 / 45,7%	2,6 / 38,6%	3,4 / 29,3%	3,6 / 27,7%	3,7 / 27,2%
NIM	0,00%	0,00%	0,00%	4,74%	11,82%	7,30%	7,26%	7,06%
Return on assets	0,00%	0,00%	0,00%	7,83%	8,11%	10,56%	10,84%	10,86%
Cost of liabilities	0,00%	0,00%	0,00%	5,25%	4,57%	4,23%	4,55%	4,92%
Net spread	0,00%	0,00%	0,00%	2,58%	3,54%	6,33%	6,29%	5,94%
Cost / income	0,00%	0,00%	126,63%	126,63%	60,66%	63,79%	51,26%	80,89%
Cost of assets	0,00%	0,00%	-10,09%	8,91%	9,14%	7,00%	5,97%	7,85%
Net assets	0	0	784 212	896 595	1 054 878	1 269 541	1 657 254	1 750 501
Average equity	0	0	400 625	409 296	406 791	371 568	458 850	475 639
Average % assets	0	0	649 554	732 449	903 081	1 092 062	1 436 179	1 557 838
Average % liabilities	0	0	337 672	432 109	602 530	855 714	1 154 738	1 228 719
NII	0	0	0	8 683	26 696	19 934	26 096	27 514
NCI	0	0	0	2 755	6 304	7 550	9 693	9 624
NCI / NII	-	-	-	31,7%	23,6%	37,9%	37,1%	35,0%

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.