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Central Bank of Russia registration number: 2440  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	1,43%	1,12%	1,36%	0,00%	2,09%	1,91%	2,08%	1,45%	1,36%	1,42%	1,59%	2,38%
RoE	16,29%	12,58%	15,09%	0,00%	18,88%	15,92%	18,25%	12,54%	11,51%	11,96%	13,35%	21,42%
Leverage cap. adequacy	11,3 / 8,8%	11,2 / 8,9%	11,1 / 9,0%	9,8 / 10,2%	9,0 / 11,1%	8,3 / 12,0%	8,7 / 11,4%	8,6 / 11,6%	8,5 / 11,8%	8,4 / 11,9%	8,4 / 11,9%	9,0 / 11,1%
NIM	4,57%	4,63%	4,87%	0,00%	5,20%	5,34%	5,20%	4,98%	5,10%	5,40%	5,87%	5,59%
Return on assets	7,15%	7,00%	7,15%	0,00%	7,89%	8,45%	8,56%	8,65%	8,79%	9,28%	9,93%	9,70%
Cost of liabilities	3,98%	3,73%	3,51%	0,00%	4,03%	4,55%	4,70%	5,06%	5,04%	5,16%	5,38%	5,21%
Net spread	3,17%	3,27%	3,64%	0,00%	3,86%	3,90%	3,86%	3,59%	3,75%	4,12%	4,55%	4,49%
Cost / income	51,04%	48,61%	47,50%	0,00%	44,73%	46,83%	45,58%	61,04%	48,17%	49,04%	50,68%	53,58%
Cost of assets	2,92%	2,87%	3,03%	0,00%	3,47%	3,69%	3,72%	3,86%	3,72%	4,01%	4,55%	4,32%
Net assets	141 692 216	136 557 859	132 039 225	121 360 472	111 055 237	102 359 310	104 516 745	100 509 721	95 358 395	90 281 583	84 749 311	88 262 131
Average equity	12 488 605	12 208 005	11 933 031	12 431 014	12 315 494	12 284 007	11 957 458	11 647 101	11 276 462	10 723 952	10 102 645	9 824 680
Average % assets	117 325 169	115 543 659	107 558 611	98 699 379	91 369 254	84 317 406	83 679 192	83 044 999	78 884 173	72 959 243	67 349 509	70 282 667
Average % liabilities	125 053 042	120 412 145	116 284 847	105 548 209	95 425 826	86 676 292	88 548 860	85 449 200	81 567 970	77 261 240	72 340 686	76 086 003
NII	5 365 187	4 019 883	2 621 204	1 266 583	4 751 409	3 378 474	2 176 208	1 034 395	4 028 739	2 959 012	1 977 547	983 528
NCI	1 458 406	1 011 684	622 390	266 549	1 398 782	927 029	618 328	326 604	1 101 269	754 775	493 248	218 494
NCI / NII	27,2%	25,2%	23,7%	21,0%	29,4%	27,4%	28,4%	31,6%	27,3%	25,5%	24,9%	22,2%

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	2,49%	0,73%	0,62%	0,00%	3,09%	1,46%	2,78%	1,45%	1,40%	1,27%	0,70%	2,38%
RoE	28,29%	8,23%	6,93%	0,00%	27,88%	12,23%	24,30%	12,54%	11,91%	10,73%	5,87%	21,42%
Leverage cap. adequacy	11,3 / 8,8%	11,2 / 8,9%	11,1 / 9,0%	9,8 / 10,2%	9,0 / 11,1%	8,3 / 12,0%	8,7 / 11,4%	8,6 / 11,6%	8,5 / 11,8%	8,4 / 11,9%	8,4 / 11,9%	9,0 / 11,1%
NIM	4,58%	4,84%	5,03%	0,00%	6,01%	5,70%	5,45%	4,98%	5,42%	5,38%	5,90%	5,59%
Return on assets	7,94%	7,67%	7,43%	0,00%	8,17%	8,34%	8,54%	8,65%	9,42%	9,50%	9,75%	9,70%
Cost of liabilities	5,15%	4,40%	3,75%	0,00%	3,74%	4,03%	4,52%	5,06%	5,49%	5,40%	5,29%	5,21%
Net spread	2,79%	3,27%	3,68%	0,00%	4,43%	4,31%	4,02%	3,59%	3,93%	4,10%	4,46%	4,49%
Cost / income	58,79%	50,85%	44,13%	0,00%	39,79%	49,59%	35,89%	61,04%	45,75%	45,67%	48,11%	53,58%
Cost of assets	3,21%	2,98%	3,10%	0,00%	3,69%	3,65%	3,60%	3,86%	3,75%	3,67%	4,58%	4,32%
Net assets	141 692 216	136 557 859	132 039 225	121 360 472	111 055 237	102 359 310	104 516 745	100 509 721	95 358 395	90 281 583	84 749 311	88 262 131
Average equity	12 488 605	12 208 005	11 933 031	12 431 014	12 315 494	12 284 007	11 957 458	11 647 101	11 276 462	10 723 952	10 102 645	9 824 680
Average % assets	117 325 169	115 543 659	107 558 611	98 699 379	91 369 254	84 317 406	83 679 192	83 044 999	78 884 173	72 959 243	67 349 509	70 282 667
Average % liabilities	125 053 042	120 412 145	116 284 847	105 548 209	95 425 826	86 676 292	88 548 860	85 449 200	81 567 970	77 261 240	72 340 686	76 086 003
NII	1 345 304	1 398 679	1 354 621	1 266 583	1 372 935	1 202 266	1 141 813	1 034 395	1 069 727	981 465	994 019	983 528
NCI	446 722	389 294	355 841	266 549	471 753	308 701	291 724	326 604	346 494	261 527	274 754	218 494
NCI / NII	33,2%	27,8%	26,3%	21,0%	34,4%	25,7%	25,5%	31,6%	32,4%	26,6%	27,6%	22,2%

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.