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Central Bank of Russia registration number: 2208  complies with 214-FZ (equity construction)

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	4,54%	5,37%	5,18%	0,00%	2,94%	3,53%	4,39%	2,47%	2,55%	2,64%	1,90%	1,30%
RoE	16,26%	20,22%	19,88%	0,00%	11,85%	14,31%	18,08%	10,16%	10,21%	10,85%	7,74%	5,44%
Leverage cap. adequacy	3,6 / 28,0%	3,8 / 26,6%	3,8 / 26,1%	4,1 / 24,6%	4,0 / 24,9%	4,0 / 24,7%	4,1 / 24,3%	4,1 / 24,4%	4,0 / 25,0%	4,1 / 24,3%	4,1 / 24,6%	4,2 / 23,9%
NIM	6,92%	6,80%	7,08%	0,00%	6,31%	6,41%	6,00%	5,86%	6,64%	6,98%	7,52%	6,70%
Return on assets	9,16%	8,75%	8,67%	0,00%	9,35%	9,58%	9,54%	9,49%	9,73%	9,99%	10,26%	10,37%
Cost of liabilities	4,62%	4,24%	4,07%	0,00%	4,97%	5,19%	5,41%	5,59%	5,42%	5,55%	5,71%	5,66%
Net spread	4,54%	4,51%	4,60%	0,00%	4,38%	4,39%	4,13%	3,90%	4,31%	4,44%	4,55%	4,71%
Cost / income	46,92%	42,46%	40,78%	0,00%	48,06%	46,41%	47,40%	48,15%	54,50%	51,10%	48,49%	51,36%
Cost of assets	4,46%	3,90%	3,77%	0,00%	4,38%	4,23%	4,13%	3,71%	4,99%	4,91%	4,93%	4,75%
Net assets	12 471 628	13 447 700	13 838 540	14 497 672	13 701 346	13 689 251	13 938 680	14 007 408	13 325 254	12 799 031	12 283 507	12 140 643
Average equity	3 487 552	3 576 970	3 605 116	3 565 087	3 405 305	3 381 360	3 386 316	3 411 762	3 329 047	3 112 524	3 016 874	2 904 714
Average % assets	13 818 281	14 674 235	14 924 018	15 454 886	14 984 544	14 792 948	14 980 770	15 175 625	14 546 848	14 084 608	13 569 215	13 509 515
Average % liabilities	8 805 441	9 686 274	10 027 360	10 693 206	10 043 295	10 015 280	10 222 493	10 312 142	9 934 906	9 627 706	9 201 834	9 163 650
NII	957 357	748 514	528 838	232 427	946 572	711 356	449 747	222 340	967 142	737 385	510 816	226 495
NCI	102 817	75 559	45 736	22 539	121 100	84 185	46 835	19 680	98 758	66 333	41 292	18 662
NCI / NII	10,7%	10,1%	8,6%	9,7%	12,8%	11,8%	10,4%	8,9%	10,2%	9,0%	8,1%	8,2%

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	0,78%	5,47%	-5,95%	0,00%	1,18%	1,65%	6,29%	2,47%	2,59%	4,26%	2,51%	1,30%
RoE	2,82%	20,57%	-22,86%	0,00%	4,77%	6,71%	25,92%	10,16%	10,39%	17,55%	10,25%	5,44%
Leverage cap. adequacy	3,6 / 28,0%	3,8 / 26,6%	3,8 / 26,1%	4,1 / 24,6%	4,0 / 24,9%	4,0 / 24,7%	4,1 / 24,3%	4,1 / 24,4%	4,0 / 25,0%	4,1 / 24,3%	4,1 / 24,6%	4,2 / 23,9%
NIM	6,04%	5,98%	7,94%	0,00%	6,27%	7,07%	6,07%	5,86%	6,31%	6,43%	8,38%	6,70%
Return on assets	8,77%	8,61%	8,57%	0,00%	9,00%	9,42%	9,47%	9,49%	9,93%	10,19%	10,20%	10,37%
Cost of liabilities	4,50%	4,29%	3,97%	0,00%	4,34%	4,54%	5,19%	5,59%	5,53%	5,74%	5,78%	5,66%
Net spread	4,27%	4,32%	4,60%	0,00%	4,66%	4,88%	4,28%	3,90%	4,40%	4,45%	4,42%	4,71%
Cost / income	63,20%	46,24%	41,01%	0,00%	52,77%	44,59%	46,79%	48,15%	64,93%	56,58%	46,16%	51,36%
Cost of assets	5,16%	3,91%	4,22%	0,00%	4,98%	4,29%	4,49%	3,71%	5,85%	5,26%	5,17%	4,75%
Net assets	12 471 628	13 447 700	13 838 540	14 497 672	13 701 346	13 689 251	13 938 680	14 007 408	13 325 254	12 799 031	12 283 507	12 140 643
Average equity	3 487 552	3 576 970	3 605 116	3 565 087	3 405 305	3 381 360	3 386 316	3 411 762	3 329 047	3 112 524	3 016 874	2 904 714
Average % assets	13 818 281	14 674 235	14 924 018	15 454 886	14 984 544	14 792 948	14 980 770	15 175 625	14 546 848	14 084 608	13 569 215	13 509 515
Average % liabilities	8 805 441	9 686 274	10 027 360	10 693 206	10 043 295	10 015 280	10 222 493	10 312 142	9 934 906	9 627 706	9 201 834	9 163 650
NII	208 843	219 676	296 411	232 427	235 216	261 609	227 407	222 340	229 757	226 569	284 321	226 495
NCI	27 258	29 823	23 197	22 539	36 915	37 350	27 155	19 680	32 425	25 041	22 630	18 662
NCI / NII	13,1%	13,6%	7,8%	9,7%	15,7%	14,3%	11,9%	8,9%	14,1%	11,1%	8,0%	8,2%

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.