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Central Bank of Russia registration number: 2564

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	0,94%	1,38%	0,88%	0,00%	0,85%	0,85%	0,04%	-0,26%	0,80%	1,40%	1,34%	1,38%
RoE	7,15%	9,99%	6,23%	0,00%	6,26%	6,21%	0,28%	-1,96%	5,69%	10,03%	9,66%	9,15%
Leverage cap. adequacy	7,5 / 13,3%	7,2 / 13,8%	7,1 / 14,1%	7,3 / 13,8%	7,3 / 13,7%	7,2 / 13,8%	6,9 / 14,5%	7,3 / 13,7%	7,1 / 14,1%	7,1 / 14,0%	7,2 / 13,9%	6,6 / 15,2%
NIM	7,33%	7,30%	7,48%	0,00%	6,70%	6,86%	7,68%	7,82%	7,03%	7,41%	7,49%	8,26%
Return on assets	9,61%	9,51%	9,81%	0,00%	9,40%	9,75%	10,77%	10,36%	10,34%	10,87%	10,73%	11,19%
Cost of liabilities	2,86%	2,93%	3,03%	0,00%	3,62%	3,85%	4,25%	4,18%	3,88%	3,96%	3,81%	3,62%
Net spread	6,75%	6,58%	6,78%	0,00%	5,78%	5,90%	6,52%	6,18%	6,46%	6,91%	6,92%	7,57%
Cost / income	77,42%	74,70%	74,37%	0,00%	83,39%	82,27%	85,07%	76,54%	90,96%	85,75%	84,42%	77,88%
Cost of assets	7,84%	7,61%	7,92%	0,00%	7,79%	7,91%	8,89%	8,29%	8,68%	8,84%	8,85%	9,05%
Net assets	3 014 244	2 834 349	2 670 238	2 701 402	2 806 355	2 722 019	2 512 333	2 649 448	2 674 950	2 526 033	2 482 659	2 328 132
Average equity	399 431	392 133	377 550	372 182	383 712	375 652	363 665	362 712	377 293	354 684	345 740	353 130
Average % assets	2 519 459	2 444 405	2 261 187	2 262 151	2 369 137	2 303 913	2 093 722	2 245 263	2 285 933	2 157 617	2 157 179	1 994 265
Average % liabilities	2 576 290	2 407 790	2 264 292	2 295 042	2 388 587	2 314 599	2 111 719	2 250 989	2 268 334	2 138 022	2 095 376	1 927 305
NII	184 768	133 988	84 681	40 985	158 752	118 565	80 463	43 897	160 813	120 051	80 857	41 184
NCI	55 250	40 696	27 176	13 097	47 694	34 146	20 968	10 348	48 900	35 443	23 373	11 794
NCI / NII	29,9%	30,4%	32,1%	32,0%	30,0%	28,8%	26,1%	23,6%	30,4%	29,5%	28,9%	28,6%

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	-0,10%	2,48%	1,52%	0,00%	0,92%	2,49%	0,36%	-0,26%	-0,77%	1,58%	1,39%	1,38%
RoE	-0,79%	17,98%	10,76%	0,00%	6,79%	18,09%	2,52%	-1,96%	-5,52%	11,25%	9,98%	9,15%
Leverage cap. adequacy	7,5 / 13,3%	7,2 / 13,8%	7,1 / 14,1%	7,3 / 13,8%	7,3 / 13,7%	7,2 / 13,8%	6,9 / 14,5%	7,3 / 13,7%	7,1 / 14,1%	7,1 / 14,0%	7,2 / 13,9%	6,6 / 15,2%
NIM	8,06%	8,06%	7,72%	0,00%	6,78%	6,61%	6,98%	7,82%	7,13%	7,26%	7,35%	8,26%
Return on assets	10,77%	10,37%	9,96%	0,00%	9,16%	9,68%	10,43%	10,36%	10,59%	11,15%	11,11%	11,19%
Cost of liabilities	3,23%	3,08%	3,04%	0,00%	3,28%	3,80%	4,05%	4,18%	4,30%	4,42%	4,28%	3,62%
Net spread	7,54%	7,29%	6,92%	0,00%	5,88%	5,88%	6,38%	6,18%	6,29%	6,73%	6,83%	7,57%
Cost / income	84,81%	75,28%	74,49%	0,00%	86,72%	76,95%	95,78%	76,54%	107,60%	88,46%	91,11%	77,88%
Cost of assets	9,26%	8,23%	8,21%	0,00%	8,11%	7,65%	8,88%	8,29%	9,81%	8,98%	9,45%	9,05%
Net assets	3 014 244	2 834 349	2 670 238	2 701 402	2 806 355	2 722 019	2 512 333	2 649 448	2 674 950	2 526 033	2 482 659	2 328 132
Average equity	399 431	392 133	377 550	372 182	383 712	375 652	363 665	362 712	377 293	354 684	345 740	353 130
Average % assets	2 519 459	2 444 405	2 261 187	2 262 151	2 369 137	2 303 913	2 093 722	2 245 263	2 285 933	2 157 617	2 157 179	1 994 265
Average % liabilities	2 576 290	2 407 790	2 264 292	2 295 042	2 388 587	2 314 599	2 111 719	2 250 989	2 268 334	2 138 022	2 095 376	1 927 305
NII	50 780	49 307	43 696	40 985	40 187	38 102	36 566	43 897	40 762	39 194	39 673	41 184
NCI	14 554	13 520	14 079	13 097	13 548	13 178	10 620	10 348	13 457	12 070	11 579	11 794
NCI / NII	28,7%	27,4%	32,2%	32,0%	33,7%	34,6%	29,0%	23,6%	33,0%	30,8%	29,2%	28,6%

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.