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Central Bank of Russia registration number: 2593  Retailbank

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	0,00%	0,00%	0,00%	0,00%	-6,33%	-3,45%	-3,44%	0,04%	-3,58%	-3,42%	-4,15%	-1,12%
RoE	0,00%	0,00%	0,00%	0,00%	-7,73%	-5,27%	-6,65%	0,09%	-7,65%	-8,70%	-9,90%	-2,47%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	1,2 / 83,5%	1,2 / 82,0%	1,5 / 65,6%	1,9 / 51,8%	2,0 / 49,7%	2,1 / 46,9%	2,5 / 39,3%	2,4 / 42,0%	2,2 / 45,3%
NIM	0,00%	0,00%	0,00%	0,00%	7,85%	5,96%	5,75%	6,31%	6,16%	5,32%	6,34%	7,71%
Return on assets	0,00%	0,00%	0,00%	0,00%	14,99%	11,88%	9,81%	10,16%	10,81%	9,72%	10,24%	11,66%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	10,81%	1,37%	0,77%	0,86%	2,66%	2,33%	1,49%	1,83%
Net spread	0,00%	0,00%	0,00%	0,00%	4,18%	10,51%	9,04%	9,30%	8,15%	7,39%	8,75%	9,83%
Cost / income	0,00%	0,00%	0,00%	0,00%	186,50%	156,49%	138,62%	82,17%	153,97%	152,15%	122,11%	130,24%
Cost of assets	0,00%	0,00%	0,00%	0,00%	31,25%	19,76%	13,39%	11,04%	12,07%	10,69%	10,40%	12,31%
Net assets	0	0	0	2 571 391	2 697 881	3 439 323	4 428 008	4 718 037	4 714 800	5 327 368	5 404 717	5 087 969
Average equity	0	0	0	2 148 334	2 212 288	2 256 282	2 294 256	2 343 087	2 210 960	2 094 411	2 268 612	2 307 322
Average % assets	0	0	0	741 929	1 417 347	2 079 934	2 813 562	3 193 003	3 456 529	3 931 804	3 788 008	3 270 072
Average % liabilities	0	0	0	21 531	85 812	756 026	1 658 403	1 906 506	2 161 193	2 885 850	2 763 253	2 425 870
NII	0	0	0	0	111 376	93 007	81 015	50 380	213 098	157 061	120 238	63 032
NCI	0	0	0	0	5 772	6 050	4 498	2 740	9 033	6 583	4 704	2 333
NCI / NII	-	-	-	-	5,2%	6,5%	5,6%	5,4%	4,2%	4,2%	3,9%	3,7%

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	0,00%	0,00%	0,00%	0,00%	-12,12%	-1,49%	-6,94%	0,04%	-2,74%	-1,83%	-7,25%	-1,12%
RoE	0,00%	0,00%	0,00%	0,00%	-14,78%	-2,28%	-13,41%	0,09%	-5,85%	-4,67%	-17,28%	-2,47%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	1,2 / 83,5%	1,2 / 82,0%	1,5 / 65,6%	1,9 / 51,8%	2,0 / 49,7%	2,1 / 46,9%	2,5 / 39,3%	2,4 / 42,0%	2,2 / 45,3%
NIM	0,00%	0,00%	0,00%	0,00%	5,18%	2,30%	4,35%	6,31%	6,48%	3,74%	6,04%	7,71%
Return on assets	0,00%	0,00%	0,00%	0,00%	7,64%	9,12%	8,08%	10,16%	10,06%	9,44%	10,41%	11,66%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	6,82%	0,74%	0,54%	0,86%	1,31%	4,13%	1,36%	1,83%
Net spread	0,00%	0,00%	0,00%	0,00%	0,82%	8,38%	7,54%	9,30%	8,75%	5,31%	9,05%	9,83%
Cost / income	0,00%	0,00%	0,00%	0,00%	404,42%	212,92%	385,65%	82,17%	159,58%	278,23%	115,49%	130,24%
Cost of assets	0,00%	0,00%	0,00%	0,00%	32,81%	19,40%	13,86%	11,04%	12,26%	11,29%	10,85%	12,31%
Net assets	0	0	0	2 571 391	2 697 881	3 439 323	4 428 008	4 718 037	4 714 800	5 327 368	5 404 717	5 087 969
Average equity	0	0	0	2 148 334	2 212 288	2 256 282	2 294 256	2 343 087	2 210 960	2 094 411	2 268 612	2 307 322
Average % assets	0	0	0	741 929	1 417 347	2 079 934	2 813 562	3 193 003	3 456 529	3 931 804	3 788 008	3 270 072
Average % liabilities	0	0	0	21 531	85 812	756 026	1 658 403	1 906 506	2 161 193	2 885 850	2 763 253	2 425 870
NII	0	0	0	0	18 369	11 992	30 635	50 380	56 037	36 823	57 206	63 032
NCI	0	0	0	0	0	1 552	1 758	2 740	2 450	1 879	2 371	2 333
NCI / NII	-	-	-	-	0,0%	12,9%	5,7%	5,4%	4,4%	5,1%	4,1%	3,7%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.