Mailing list archive

	EKSI-BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2530  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	0,51%	0,27%	0,17%	0,00%	0,46%	0,49%	0,35%	0,21%	1,39%	0,83%	0,78%	0,93%
RoE	1,34%	0,73%	0,45%	0,00%	1,20%	1,31%	1,01%	0,56%	3,45%	2,26%	2,19%	2,47%
Leverage cap. adequacy	2,6 / 38,5%	2,7 / 37,1%	2,6 / 38,3%	2,5 / 40,0%	2,6 / 38,5%	2,7 / 37,3%	2,9 / 35,0%	2,6 / 37,8%	2,5 / 40,3%	2,7 / 36,9%	2,8 / 35,7%	2,7 / 37,7%
NIM	3,93%	3,64%	3,57%	0,00%	4,14%	4,03%	3,99%	4,27%	5,82%	5,75%	5,70%	5,89%
Return on assets	4,42%	4,16%	4,11%	0,00%	4,97%	4,89%	4,85%	5,27%	6,57%	6,53%	6,48%	6,69%
Cost of liabilities	0,75%	0,72%	0,79%	0,00%	1,15%	1,20%	1,18%	1,47%	1,14%	1,08%	1,05%	1,06%
Net spread	3,67%	3,44%	3,32%	0,00%	3,82%	3,69%	3,67%	3,80%	5,43%	5,45%	5,43%	5,63%
Cost / income	94,49%	97,97%	102,41%	0,00%	98,43%	103,54%	108,19%	97,54%	96,29%	97,90%	95,99%	92,86%
Cost of assets	16,99%	17,29%	18,30%	0,00%	22,26%	19,94%	17,81%	20,41%	23,79%	21,72%	20,66%	19,98%
Net assets	2 132 308	2 196 478	2 134 906	2 051 151	2 128 554	2 191 982	2 346 009	2 221 243	2 075 395	2 237 796	2 341 707	2 447 455
Average equity	820 337	815 502	818 110	820 056	818 902	818 078	821 582	839 839	835 622	826 220	836 406	922 650
Average % assets	1 681 652	1 640 559	1 603 657	1 578 757	1 532 942	1 636 192	1 796 462	1 704 490	1 691 850	1 777 523	1 847 072	1 830 408
Average % liabilities	1 092 875	1 162 098	1 090 960	1 007 097	1 099 857	1 160 984	1 302 669	1 154 743	1 106 310	1 278 444	1 369 414	1 364 596
NII	66 236	44 871	28 670	13 880	63 594	49 523	35 856	18 237	98 519	76 717	52 666	26 992
NCI	57 028	40 183	26 522	12 420	57 812	41 850	27 358	16 518	72 341	55 382	37 152	17 845
NCI / NII	86,1%	89,6%	92,5%	89,5%	90,9%	84,5%	76,3%	90,6%	73,4%	72,2%	70,5%	66,1%

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	1,21%	0,48%	0,23%	0,00%	0,34%	0,71%	0,51%	0,21%	2,85%	0,86%	0,59%	0,93%
RoE	3,15%	1,30%	0,60%	0,00%	0,88%	1,90%	1,46%	0,56%	7,10%	2,34%	1,65%	2,47%
Leverage cap. adequacy	2,6 / 38,5%	2,7 / 37,1%	2,6 / 38,3%	2,5 / 40,0%	2,6 / 38,5%	2,7 / 37,3%	2,9 / 35,0%	2,6 / 37,8%	2,5 / 40,3%	2,7 / 36,9%	2,8 / 35,7%	2,7 / 37,7%
NIM	5,08%	3,95%	3,68%	0,00%	3,67%	3,34%	3,92%	4,27%	5,15%	5,41%	5,55%	5,89%
Return on assets	5,54%	4,43%	4,20%	0,00%	4,24%	4,02%	4,69%	5,27%	5,69%	6,11%	6,34%	6,69%
Cost of liabilities	0,70%	0,68%	0,75%	0,00%	0,79%	0,95%	1,06%	1,47%	0,82%	0,97%	1,05%	1,06%
Net spread	4,84%	3,75%	3,45%	0,00%	3,45%	3,07%	3,63%	3,80%	4,87%	5,14%	5,29%	5,63%
Cost / income	86,19%	89,78%	107,39%	0,00%	85,05%	94,26%	122,71%	97,54%	91,95%	102,08%	99,00%	92,86%
Cost of assets	18,32%	16,71%	18,97%	0,00%	21,24%	18,19%	17,09%	20,41%	24,51%	21,27%	21,71%	19,98%
Net assets	2 132 308	2 196 478	2 134 906	2 051 151	2 128 554	2 191 982	2 346 009	2 221 243	2 075 395	2 237 796	2 341 707	2 447 455
Average equity	820 337	815 502	818 110	820 056	818 902	818 078	821 582	839 839	835 622	826 220	836 406	922 650
Average % assets	1 681 652	1 640 559	1 603 657	1 578 757	1 532 942	1 636 192	1 796 462	1 704 490	1 691 850	1 777 523	1 847 072	1 830 408
Average % liabilities	1 092 875	1 162 098	1 090 960	1 007 097	1 099 857	1 160 984	1 302 669	1 154 743	1 106 310	1 278 444	1 369 414	1 364 596
NII	21 365	16 201	14 790	13 880	14 071	13 667	17 619	18 237	21 802	24 051	25 674	26 992
NCI	16 845	13 661	14 102	12 420	15 962	14 492	10 840	16 518	16 959	18 230	19 307	17 845
NCI / NII	78,8%	84,3%	95,3%	89,5%	113,4%	106,0%	61,5%	90,6%	77,8%	75,8%	75,2%	66,1%

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.