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Central Bank of Russia registration number: 2252

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	-6,89%	-7,50%	-12,65%	0,00%	4,37%	3,72%	3,62%	-7,33%	2,91%	2,22%	-2,29%	3,15%
RoE	-20,35%	-23,26%	-41,39%	0,00%	12,81%	11,58%	10,97%	-21,79%	8,52%	6,29%	-5,84%	7,50%
Leverage cap. adequacy	3,0 / 33,9%	3,1 / 32,2%	3,3 / 30,6%	3,3 / 30,7%	2,9 / 34,2%	3,1 / 32,2%	3,0 / 33,1%	3,0 / 33,7%	2,9 / 34,1%	2,8 / 35,3%	2,5 / 39,3%	2,4 / 42,1%
NIM	11,91%	11,03%	10,33%	0,00%	9,36%	8,77%	8,97%	8,46%	9,10%	9,46%	9,93%	10,18%
Return on assets	14,53%	13,46%	12,61%	0,00%	12,10%	11,55%	12,15%	12,41%	12,03%	12,32%	12,73%	12,94%
Cost of liabilities	3,69%	3,49%	3,31%	0,00%	4,10%	4,14%	4,68%	6,04%	4,31%	4,36%	4,61%	4,48%
Net spread	10,84%	9,97%	9,30%	0,00%	8,00%	7,41%	7,47%	6,37%	7,72%	7,96%	8,12%	8,46%
Cost / income	74,03%	61,07%	60,25%	0,00%	42,77%	42,56%	47,10%	51,39%	61,96%	62,25%	68,57%	73,21%
Cost of assets	11,05%	9,42%	9,07%	0,00%	6,42%	6,15%	7,18%	8,12%	7,59%	7,36%	7,90%	7,86%
Net assets	2 806 974	2 936 355	2 979 040	3 029 583	3 317 663	3 348 725	3 055 826	2 985 710	2 924 605	2 670 875	2 385 041	2 226 469
Average equity	951 265	946 912	910 952	930 184	1 133 166	1 077 154	1 010 113	1 005 594	998 220	942 884	936 474	937 589
Average % assets	2 286 974	2 474 861	2 515 389	2 515 554	2 652 584	2 752 029	2 479 862	2 393 280	2 418 661	2 275 040	2 038 288	1 857 024
Average % liabilities	1 790 337	1 911 826	1 968 935	1 987 282	2 026 220	2 069 012	1 834 211	1 766 237	1 757 133	1 624 244	1 390 880	1 254 680
NII	272 432	204 863	130 042	49 251	248 347	181 168	111 264	50 645	220 270	161 489	101 210	47 305
NCI	45 120	39 089	28 600	17 300	137 694	104 685	68 782	41 081	59 877	28 463	10 834	410
NCI / NII	16,6%	19,1%	22,0%	35,1%	55,4%	57,8%	61,8%	81,1%	27,2%	17,6%	10,7%	0,9%

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	-4,04%	3,17%	4,80%	0,00%	6,23%	4,55%	14,42%	-7,33%	5,55%	10,77%	-7,54%	3,15%
RoE	-11,93%	9,85%	15,72%	0,00%	18,24%	14,16%	43,64%	-21,79%	16,27%	30,50%	-19,20%	7,50%
Leverage cap. adequacy	3,0 / 33,9%	3,1 / 32,2%	3,3 / 30,6%	3,3 / 30,7%	2,9 / 34,2%	3,1 / 32,2%	3,0 / 33,1%	3,0 / 33,7%	2,9 / 34,1%	2,8 / 35,3%	2,5 / 39,3%	2,4 / 42,1%
NIM	11,81%	12,09%	12,84%	0,00%	10,13%	10,16%	9,77%	8,46%	9,72%	10,59%	10,57%	10,18%
Return on assets	14,42%	14,75%	14,82%	0,00%	12,44%	12,75%	12,32%	12,41%	13,34%	14,16%	13,67%	12,94%
Cost of liabilities	3,58%	3,64%	3,26%	0,00%	3,74%	4,12%	3,53%	6,04%	5,16%	5,18%	5,19%	4,48%
Net spread	10,84%	11,11%	11,56%	0,00%	8,70%	8,63%	8,79%	6,37%	8,18%	8,98%	8,48%	8,46%
Cost / income	141,33%	62,67%	53,51%	0,00%	43,39%	34,88%	42,69%	51,39%	61,33%	53,40%	65,09%	73,21%
Cost of assets	13,63%	9,76%	9,51%	0,00%	6,61%	5,62%	6,41%	8,12%	9,67%	7,90%	8,58%	7,86%
Net assets	2 806 974	2 936 355	2 979 040	3 029 583	3 317 663	3 348 725	3 055 826	2 985 710	2 924 605	2 670 875	2 385 041	2 226 469
Average equity	951 265	946 912	910 952	930 184	1 133 166	1 077 154	1 010 113	1 005 594	998 220	942 884	936 474	937 589
Average % assets	2 286 974	2 474 861	2 515 389	2 515 554	2 652 584	2 752 029	2 479 862	2 393 280	2 418 661	2 275 040	2 038 288	1 857 024
Average % liabilities	1 790 337	1 911 826	1 968 935	1 987 282	2 026 220	2 069 012	1 834 211	1 766 237	1 757 133	1 624 244	1 390 880	1 254 680
NII	67 569	74 821	80 791	49 251	67 179	69 904	60 619	50 645	58 781	60 279	53 905	47 305
NCI	6 031	10 489	11 300	17 300	33 009	35 903	27 701	41 081	31 414	17 629	10 424	410
NCI / NII	8,9%	14,0%	14,0%	35,1%	49,1%	51,4%	45,7%	81,1%	53,4%	29,2%	19,3%	0,9%

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.