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Central Bank of Russia registration number: 2216  ausländisch beherrschten, ZB-Vertreter, 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	0,45%	0,76%	0,17%	0,00%	-0,01%	-0,16%	0,39%	0,57%	0,71%	0,76%	-0,32%	-0,36%
RoE	2,72%	4,38%	1,05%	0,00%	-0,08%	-0,90%	2,02%	2,93%	3,36%	3,58%	-1,54%	-1,73%
Leverage cap. adequacy	6,0 / 16,7%	5,8 / 17,3%	5,9 / 16,9%	5,8 / 17,4%	5,8 / 17,1%	5,4 / 18,5%	5,1 / 19,5%	5,1 / 19,8%	4,7 / 21,1%	4,7 / 21,4%	4,8 / 20,7%	4,8 / 20,9%
NIM	3,36%	3,48%	3,50%	0,00%	2,90%	3,39%	3,45%	3,87%	3,60%	3,83%	3,62%	3,52%
Return on assets	4,93%	5,00%	4,88%	0,00%	5,14%	5,66%	6,12%	6,25%	6,68%	7,03%	7,03%	7,12%
Cost of liabilities	1,90%	1,89%	1,74%	0,00%	2,65%	3,05%	3,50%	3,51%	3,79%	3,92%	3,86%	3,72%
Net spread	3,03%	3,11%	3,14%	0,00%	2,49%	2,61%	2,62%	2,74%	2,89%	3,11%	3,17%	3,40%
Cost / income	86,75%	92,72%	107,54%	0,00%	105,08%	106,60%	112,32%	102,03%	95,11%	91,29%	109,40%	120,05%
Cost of assets	4,70%	4,91%	4,94%	0,00%	5,03%	5,42%	5,91%	5,93%	6,21%	6,44%	6,47%	6,71%
Net assets	80 427 160	76 334 979	77 369 277	75 189 455	76 590 655	70 984 134	67 632 117	66 038 962	60 407 186	58 893 423	59 795 266	58 314 862
Average equity	13 412 566	13 234 315	13 087 685	13 067 107	13 093 472	13 128 105	13 203 445	13 055 535	12 771 754	12 592 479	12 378 599	12 174 850
Average % assets	71 317 929	68 294 148	69 139 514	66 368 962	69 421 793	63 538 177	60 280 118	60 402 003	57 139 075	54 877 851	54 782 952	53 520 513
Average % liabilities	65 422 180	61 768 119	62 974 989	60 856 634	61 984 515	56 289 831	52 745 847	51 453 854	46 573 788	45 449 834	46 500 623	45 029 715
NII	2 401 120	1 784 680	1 210 979	568 708	2 016 208	1 617 914	1 041 831	585 686	2 061 478	1 578 988	993 305	472 294
NCI	1 083 538	775 974	347 368	171 494	947 024	556 802	369 941	195 289	1 144 496	890 022	353 898	166 454
NCI / NII	45,1%	43,5%	28,7%	30,2%	47,0%	34,4%	35,5%	33,3%	55,5%	56,4%	35,6%	35,2%

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	-0,34%	1,91%	-0,01%	0,00%	0,40%	-1,25%	0,22%	0,57%	0,60%	2,94%	-0,28%	-0,36%
RoE	-2,07%	11,06%	-0,06%	0,00%	2,37%	-6,78%	1,14%	2,93%	2,87%	13,78%	-1,38%	-1,73%
Leverage cap. adequacy	6,0 / 16,7%	5,8 / 17,3%	5,9 / 16,9%	5,8 / 17,4%	5,8 / 17,1%	5,4 / 18,5%	5,1 / 19,5%	5,1 / 19,8%	4,7 / 21,1%	4,7 / 21,4%	4,8 / 20,7%	4,8 / 20,9%
NIM	3,45%	3,36%	3,71%	0,00%	2,29%	3,62%	3,02%	3,87%	3,37%	4,26%	3,80%	3,52%
Return on assets	5,37%	5,11%	4,96%	0,00%	5,02%	5,39%	5,97%	6,25%	6,49%	7,05%	7,10%	7,12%
Cost of liabilities	2,24%	2,13%	1,62%	0,00%	2,28%	2,58%	3,58%	3,51%	3,71%	3,85%	4,12%	3,72%
Net spread	3,13%	2,98%	3,34%	0,00%	2,74%	2,81%	2,39%	2,74%	2,78%	3,20%	2,98%	3,40%
Cost / income	72,87%	71,77%	113,32%	0,00%	101,12%	95,78%	125,01%	102,03%	108,17%	68,35%	100,35%	120,05%
Cost of assets	4,75%	4,72%	5,10%	0,00%	5,37%	5,05%	5,89%	5,93%	6,39%	6,39%	6,41%	6,71%
Net assets	80 427 160	76 334 979	77 369 277	75 189 455	76 590 655	70 984 134	67 632 117	66 038 962	60 407 186	58 893 423	59 795 266	58 314 862
Average equity	13 412 566	13 234 315	13 087 685	13 067 107	13 093 472	13 128 105	13 203 445	13 055 535	12 771 754	12 592 479	12 378 599	12 174 850
Average % assets	71 317 929	68 294 148	69 139 514	66 368 962	69 421 793	63 538 177	60 280 118	60 402 003	57 139 075	54 877 851	54 782 952	53 520 513
Average % liabilities	65 422 180	61 768 119	62 974 989	60 856 634	61 984 515	56 289 831	52 745 847	51 453 854	46 573 788	45 449 834	46 500 623	45 029 715
NII	616 440	573 701	642 271	568 708	398 294	576 083	456 145	585 686	482 490	585 683	521 011	472 294
NCI	307 564	428 606	175 874	171 494	390 222	186 861	174 652	195 289	254 474	536 124	187 444	166 454
NCI / NII	49,9%	74,7%	27,4%	30,2%	98,0%	32,4%	38,3%	33,3%	52,7%	91,5%	36,0%	35,2%

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 - 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.