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Central Bank of Russia registration number: 2119  foreign-controlled, complies with 214-FZ (equity construction)

General information Emissions1

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	2,64%	1,99%	-9,40%	0,00%	2,17%	4,00%	6,35%	6,14%	6,22%	3,99%	9,47%	7,86%
RoE	8,86%	7,13%	-33,27%	0,00%	8,48%	14,82%	21,30%	20,94%	21,60%	13,07%	30,84%	26,58%
Leverage cap. adequacy	3,4 / 29,8%	3,6 / 27,9%	3,5 / 28,3%	3,3 / 30,3%	3,9 / 25,6%	3,7 / 27,0%	3,4 / 29,8%	3,4 / 29,3%	3,5 / 28,8%	3,3 / 30,6%	3,3 / 30,7%	3,4 / 29,6%
NIM	6,74%	6,63%	6,47%	0,00%	6,15%	6,11%	5,92%	5,80%	6,33%	6,34%	6,43%	6,92%
Return on assets	9,29%	8,93%	8,75%	0,00%	8,72%	8,97%	9,04%	9,09%	9,55%	9,62%	9,74%	10,16%
Cost of liabilities	3,96%	3,47%	3,56%	0,00%	3,17%	3,50%	4,67%	4,92%	5,13%	5,23%	5,22%	5,22%
Net spread	5,33%	5,46%	5,19%	0,00%	5,55%	5,47%	4,37%	4,17%	4,42%	4,39%	4,52%	4,94%
Cost / income	146,64%	160,12%	227,02%	0,00%	35,29%	24,31%	34,99%	14,77%	83,59%	88,40%	200,09%	0,00%
Cost of assets	5,25%	5,36%	6,00%	0,00%	4,08%	4,08%	4,25%	4,57%	3,90%	3,66%	3,70%	4,00%
Net assets	17 087 793	17 336 074	15 661 075	15 839 438	19 386 318	19 115 536	16 046 843	15 699 924	15 164 728	15 240 916	14 861 095	14 447 335
Average equity	5 098 823	4 838 125	4 424 296	4 793 590	4 968 816	5 162 200	4 784 016	4 604 639	4 372 793	4 660 130	4 565 179	4 274 042
Average % assets	15 522 872	15 893 296	15 619 627	15 767 734	16 292 981	15 825 104	15 612 569	15 396 997	15 238 620	15 120 161	15 124 630	14 974 713
Average % liabilities	11 564 298	12 138 512	10 837 210	10 542 646	13 947 840	13 542 230	10 870 844	10 741 790	10 551 418	10 230 653	10 021 077	9 926 691
NII	1 046 720	790 811	506 070	247 414	1 002 061	725 277	462 861	223 332	964 664	719 209	486 641	259 366
NCI	118 359	78 620	41 774	11 493	39 324	25 249	13 111	3 493	20 128	18 763	14 452	6 512
NCI / NII	11,3%	9,9%	8,3%	4,6%	3,9%	3,5%	2,8%	1,6%	2,1%	2,6%	3,0%	2,5%

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	4,51%	22,96%	-12,55%	0,00%	-3,14%	1,34%	6,69%	6,14%	12,86%	-6,48%	11,30%	7,86%
RoE	15,13%	82,27%	-44,43%	0,00%	-12,25%	4,98%	22,45%	20,94%	44,61%	-21,20%	36,79%	26,58%
Leverage cap. adequacy	3,4 / 29,8%	3,6 / 27,9%	3,5 / 28,3%	3,3 / 30,3%	3,9 / 25,6%	3,7 / 27,0%	3,4 / 29,8%	3,4 / 29,3%	3,5 / 28,8%	3,3 / 30,6%	3,3 / 30,7%	3,4 / 29,6%
NIM	6,59%	7,16%	6,62%	0,00%	6,79%	6,63%	6,13%	5,80%	6,44%	6,15%	6,01%	6,92%
Return on assets	9,75%	9,60%	8,95%	0,00%	8,76%	9,07%	9,11%	9,09%	9,53%	9,38%	9,43%	10,16%
Cost of liabilities	4,91%	4,07%	3,72%	0,00%	2,52%	2,98%	4,49%	4,92%	5,28%	5,48%	5,27%	5,22%
Net spread	4,84%	5,53%	5,23%	0,00%	6,24%	6,09%	4,62%	4,17%	4,25%	3,90%	4,16%	4,94%
Cost / income	113,95%	88,23%	0,00%	0,00%	0,00%	15,03%	0,00%	14,77%	73,74%	43,04%	50,88%	0,00%
Cost of assets	4,76%	4,27%	5,13%	0,00%	4,27%	4,05%	3,97%	4,57%	4,52%	3,81%	3,58%	4,00%
Net assets	17 087 793	17 336 074	15 661 075	15 839 438	19 386 318	19 115 536	16 046 843	15 699 924	15 164 728	15 240 916	14 861 095	14 447 335
Average equity	5 098 823	4 838 125	4 424 296	4 793 590	4 968 816	5 162 200	4 784 016	4 604 639	4 372 793	4 660 130	4 565 179	4 274 042
Average % assets	15 522 872	15 893 296	15 619 627	15 767 734	16 292 981	15 825 104	15 612 569	15 396 997	15 238 620	15 120 161	15 124 630	14 974 713
Average % liabilities	11 564 298	12 138 512	10 837 210	10 542 646	13 947 840	13 542 230	10 870 844	10 741 790	10 551 418	10 230 653	10 021 077	9 926 691
NII	255 909	284 741	258 656	247 414	276 784	262 416	239 529	223 332	245 455	232 568	227 275	259 366
NCI	39 739	36 846	30 281	11 493	14 075	12 138	9 618	3 493	1 365	4 311	7 940	6 512
NCI / NII	15,5%	12,9%	11,7%	4,6%	5,1%	4,6%	4,0%	1,6%	0,6%	1,9%	3,5%	2,5%

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.