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Central Bank of Russia registration number: 2103  Retailbank

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	0,37%	0,08%	-0,04%	0,00%	3,97%	-0,50%	-3,44%	-3,01%	-3,33%	1,38%	18,08%	33,37%
RoE	1,84%	0,38%	-0,18%	0,00%	22,68%	-3,18%	-23,16%	-19,64%	-18,47%	7,01%	81,84%	179,60%
Leverage cap. adequacy	4,9 / 20,4%	4,7 / 21,4%	4,5 / 22,0%	4,8 / 20,7%	5,7 / 17,5%	6,3 / 15,9%	6,7 / 14,9%	6,5 / 15,3%	5,5 / 18,0%	5,1 / 19,7%	4,5 / 22,1%	5,4 / 18,6%
NIM	10,93%	10,20%	10,53%	0,00%	10,13%	6,14%	6,24%	5,06%	15,60%	17,85%	21,93%	34,67%
Return on assets	8,02%	7,94%	7,79%	0,00%	8,91%	8,75%	8,76%	8,29%	18,56%	20,15%	22,73%	35,45%
Cost of liabilities	2,91%	2,88%	2,84%	0,00%	3,35%	3,50%	3,48%	3,39%	4,15%	4,06%	3,52%	3,32%
Net spread	5,11%	5,06%	4,95%	0,00%	5,56%	5,25%	5,28%	4,90%	14,41%	16,09%	19,21%	32,13%
Cost / income	90,16%	127,75%	188,89%	0,00%	63,75%	99,52%	124,27%	161,13%	56,85%	36,59%	24,26%	14,96%
Cost of assets	11,57%	11,45%	12,18%	0,00%	13,19%	13,71%	15,11%	15,93%	12,63%	10,47%	7,18%	6,90%
Net assets	3 878 519	3 773 410	3 813 872	3 897 996	3 767 605	3 747 377	3 842 818	4 210 631	4 503 931	4 947 942	5 968 232	6 174 474
Average equity	790 919	806 972	838 783	805 445	659 477	594 747	571 516	645 579	811 943	975 720	1 318 995	1 147 237
Average % assets	3 568 378	3 501 559	3 465 391	3 446 019	3 452 414	3 577 607	3 649 568	3 914 261	4 152 753	4 493 003	5 091 124	5 237 942
Average % liabilities	2 892 465	2 775 216	2 765 422	2 895 069	2 899 459	2 933 345	3 037 257	3 314 387	3 412 137	3 669 320	4 371 684	4 773 357
NII	390 070	268 076	182 488	122 172	349 948	164 941	113 927	49 562	648 086	601 813	558 478	454 129
NCI	30 897	21 899	15 271	8 059	45 718	32 997	24 246	11 906	111 372	88 397	48 072	21 730
NCI / NII	7,9%	8,2%	8,4%	6,6%	13,1%	20,0%	21,3%	24,0%	17,2%	14,7%	8,6%	4,8%

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	1,27%	0,32%	-3,94%	0,00%	17,39%	5,54%	-3,59%	-3,01%	-17,88%	-39,48%	1,65%	33,37%
RoE	6,23%	1,53%	-17,93%	0,00%	99,35%	34,96%	-24,14%	-19,64%	-99,19%	-200,22%	7,47%	179,60%
Leverage cap. adequacy	4,9 / 20,4%	4,7 / 21,4%	4,5 / 22,0%	4,8 / 20,7%	5,7 / 17,5%	6,3 / 15,9%	6,7 / 14,9%	6,5 / 15,3%	5,5 / 18,0%	5,1 / 19,7%	4,5 / 22,1%	5,4 / 18,6%
NIM	13,67%	9,77%	6,96%	0,00%	21,43%	5,70%	7,05%	5,06%	4,45%	3,85%	8,19%	34,67%
Return on assets	8,69%	8,42%	7,92%	0,00%	8,45%	8,36%	8,63%	8,29%	8,82%	8,95%	8,98%	35,45%
Cost of liabilities	3,37%	2,98%	2,80%	0,00%	2,75%	3,30%	3,27%	3,39%	3,49%	3,78%	3,42%	3,32%
Net spread	5,32%	5,44%	5,12%	0,00%	5,70%	5,06%	5,36%	4,90%	5,33%	5,17%	5,56%	32,13%
Cost / income	51,09%	74,44%	0,00%	0,00%	26,77%	63,15%	93,68%	161,13%	0,00%	118,19%	60,69%	14,96%
Cost of assets	12,86%	10,69%	11,87%	0,00%	10,90%	10,57%	12,45%	15,93%	14,71%	13,31%	7,31%	6,90%
Net assets	3 878 519	3 773 410	3 813 872	3 897 996	3 767 605	3 747 377	3 842 818	4 210 631	4 503 931	4 947 942	5 968 232	6 174 474
Average equity	790 919	806 972	838 783	805 445	659 477	594 747	571 516	645 579	811 943	975 720	1 318 995	1 147 237
Average % assets	3 568 378	3 501 559	3 465 391	3 446 019	3 452 414	3 577 607	3 649 568	3 914 261	4 152 753	4 493 003	5 091 124	5 237 942
Average % liabilities	2 892 465	2 775 216	2 765 422	2 895 069	2 899 459	2 933 345	3 037 257	3 314 387	3 412 137	3 669 320	4 371 684	4 773 357
NII	121 994	85 588	60 316	122 172	185 007	51 014	64 365	49 562	46 273	43 335	104 349	454 129
NCI	8 998	6 628	7 212	8 059	12 721	8 751	12 340	11 906	22 975	40 325	26 342	21 730
NCI / NII	7,4%	7,7%	12,0%	6,6%	6,9%	17,2%	19,2%	24,0%	49,7%	93,1%	25,2%	4,8%

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 - 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.