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Central Bank of Russia registration number: 2271  retail funding

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. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	0,09%	0,51%	0,68%
RoE	0,00%	0,72%	5,77%	9,28%
Leverage cap. adequacy	8,3 / 12,1%	8,0 / 12,5%	11,2 / 8,9%	13,5 / 7,4%
NIM	0,00%	7,25%	8,22%	9,33%
Return on assets	0,00%	13,01%	13,85%	15,66%
Cost of liabilities	0,00%	6,49%	6,42%	6,16%
Net spread	0,00%	6,52%	7,43%	9,50%
Cost / income	0,00%	79,48%	74,34%	63,92%
Cost of assets	0,00%	7,61%	7,43%	6,39%
Net assets	8 539 551	8 134 633	7 977 708	8 053 822
Average equity	1 032 313	1 018 451	713 581	596 302
Average % assets	6 696 253	6 441 708	6 266 417	6 422 874
Average % liabilities	7 287 841	6 942 396	7 146 420	7 360 212
NII	0	350 684	257 778	149 894
NCI	0	49 847	31 617	13 282
NCI / NII	-	14,2%	12,3%	8,9%

Key financial ratios of the bank for the quarter specified

	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	-0,26%	-0,73%	0,33%	0,68%
RoE	-2,15%	-5,90%	3,78%	9,28%
Leverage cap. adequacy	8,3 / 12,1%	8,0 / 12,5%	11,2 / 8,9%	13,5 / 7,4%
NIM	0,00%	5,76%	6,88%	9,33%
Return on assets	0,00%	12,10%	11,64%	15,66%
Cost of liabilities	0,00%	6,27%	6,49%	6,16%
Net spread	0,00%	5,83%	5,15%	9,50%
Cost / income	79,48%	90,28%	85,29%	63,92%
Cost of assets	-21,84%	8,37%	8,31%	6,39%
Net assets	8 539 551	8 134 633	7 977 708	8 053 822
Average equity	1 032 313	1 018 451	713 581	596 302
Average % assets	6 696 253	6 441 708	6 266 417	6 422 874
Average % liabilities	7 287 841	6 942 396	7 146 420	7 360 212
NII	0	92 906	107 884	149 894
NCI	0	18 230	18 335	13 282
NCI / NII	-	19,6%	17,0%	8,9%

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.