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Central Bank of Russia registration number: 2590  state-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions5

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	0,97%	1,14%	1,20%	0,00%	0,72%	0,65%	0,60%	0,95%	1,11%	1,21%	1,23%	1,08%
RoE	8,10%	9,08%	9,55%	0,00%	6,09%	5,54%	5,14%	7,61%	8,68%	9,04%	9,43%	8,44%
Leverage cap. adequacy	8,3 / 12,0%	8,0 / 12,6%	7,9 / 12,6%	8,1 / 12,4%	8,4 / 11,9%	8,5 / 11,8%	8,5 / 11,8%	8,0 / 12,5%	7,8 / 12,9%	7,4 / 13,5%	7,6 / 13,1%	7,8 / 12,8%
NIM	4,12%	4,29%	3,26%	0,00%	5,10%	4,23%	5,20%	4,37%	2,63%	2,89%	2,93%	2,72%
Return on assets	6,63%	6,74%	6,80%	0,00%	7,08%	7,05%	7,55%	7,60%	7,69%	8,13%	7,99%	8,08%
Cost of liabilities	3,75%	3,75%	3,81%	0,00%	4,41%	4,53%	4,86%	5,18%	5,12%	5,48%	5,43%	5,41%
Net spread	2,88%	2,99%	2,99%	0,00%	2,67%	2,52%	2,69%	2,42%	2,57%	2,65%	2,56%	2,67%
Cost / income	49,89%	47,89%	59,05%	0,00%	36,25%	36,86%	32,75%	28,70%	60,81%	58,09%	62,95%	65,15%
Cost of assets	3,07%	3,02%	2,98%	0,00%	2,86%	2,49%	2,61%	2,54%	2,83%	2,85%	2,65%	2,04%
Net assets	648 895 871	614 317 132	596 018 871	596 886 753	597 528 736	597 785 798	588 753 004	576 977 724	558 006 441	514 261 496	515 035 064	511 641 432
Average equity	77 988 645	77 111 891	75 263 773	73 894 365	71 096 828	70 601 596	69 630 158	72 335 264	71 859 499	69 276 286	67 664 348	65 547 738
Average % assets	562 353 777	534 960 820	518 657 433	518 711 876	518 899 064	526 583 050	501 713 858	492 280 025	484 020 492	451 274 637	462 214 709	457 961 775
Average % liabilities	559 058 049	526 125 276	509 426 199	511 113 805	514 315 677	514 442 918	505 556 600	492 411 441	478 459 542	437 610 401	439 891 483	438 717 306
NII	23 225 105	17 223 271	8 459 399	4 229 091	26 475 112	16 712 717	13 053 561	5 387 076	12 731 405	9 815 146	6 792 034	3 124 195
NCI	6 701 127	4 817 949	3 046 985	1 304 564	4 372 841	2 931 382	1 619 166	1 234 065	4 294 793	3 090 512	1 804 192	753 906
NCI / NII	28,9%	28,0%	36,0%	30,8%	16,5%	17,5%	12,4%	22,9%	33,7%	31,5%	26,6%	24,1%

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	0,65%	1,08%	1,34%	0,00%	0,93%	0,76%	0,28%	0,95%	1,10%	1,17%	1,40%	1,08%
RoE	5,45%	8,61%	10,62%	0,00%	7,87%	6,49%	2,38%	7,61%	8,59%	8,70%	10,68%	8,44%
Leverage cap. adequacy	8,3 / 12,0%	8,0 / 12,6%	7,9 / 12,6%	8,1 / 12,4%	8,4 / 11,9%	8,5 / 11,8%	8,5 / 11,8%	8,0 / 12,5%	7,8 / 12,9%	7,4 / 13,5%	7,6 / 13,1%	7,8 / 12,8%
NIM	4,26%	6,55%	3,26%	0,00%	7,52%	2,77%	6,11%	4,37%	2,41%	2,67%	3,17%	2,72%
Return on assets	7,30%	7,04%	6,90%	0,00%	6,87%	6,77%	7,63%	7,60%	8,03%	8,03%	7,97%	8,08%
Cost of liabilities	4,40%	3,89%	3,83%	0,00%	4,06%	4,04%	4,68%	5,18%	5,46%	5,51%	5,47%	5,41%
Net spread	2,90%	3,15%	3,07%	0,00%	2,81%	2,73%	2,95%	2,42%	2,57%	2,52%	2,50%	2,67%
Cost / income	55,23%	36,03%	59,03%	0,00%	35,11%	49,00%	37,56%	28,70%	68,18%	51,13%	61,66%	65,15%
Cost of assets	3,70%	3,31%	3,12%	0,00%	3,84%	2,51%	2,74%	2,54%	3,42%	3,10%	3,29%	2,04%
Net assets	648 895 871	614 317 132	596 018 871	596 886 753	597 528 736	597 785 798	588 753 004	576 977 724	558 006 441	514 261 496	515 035 064	511 641 432
Average equity	77 988 645	77 111 891	75 263 773	73 894 365	71 096 828	70 601 596	69 630 158	72 335 264	71 859 499	69 276 286	67 664 348	65 547 738
Average % assets	562 353 777	534 960 820	518 657 433	518 711 876	518 899 064	526 583 050	501 713 858	492 280 025	484 020 492	451 274 637	462 214 709	457 961 775
Average % liabilities	559 058 049	526 125 276	509 426 199	511 113 805	514 315 677	514 442 918	505 556 600	492 411 441	478 459 542	437 610 401	439 891 483	438 717 306
NII	6 001 834	8 763 872	4 230 308	4 229 091	9 762 395	3 659 156	7 666 485	5 387 076	2 916 259	3 023 112	3 667 839	3 124 195
NCI	1 883 178	1 770 964	1 742 421	1 304 564	1 441 459	1 312 216	385 101	1 234 065	1 204 281	1 286 320	1 050 286	753 906
NCI / NII	31,4%	20,2%	41,2%	30,8%	14,8%	35,9%	5,0%	22,9%	41,3%	42,5%	28,6%	24,1%

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.