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Central Bank of Russia registration number: 2607

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	-3,33%	-4,64%	-5,02%	0,00%	-2,23%	-2,59%	-1,45%	-0,51%	0,07%	1,85%	-1,40%	0,05%
RoE	-40,52%	-52,94%	-69,08%	0,00%	-52,99%	-42,86%	-21,08%	-6,92%	0,72%	17,64%	-14,03%	0,53%
Leverage cap. adequacy	12,2 / 8,2%	11,4 / 8,8%	13,7 / 7,3%	23,3 / 4,3%	23,7 / 4,2%	16,5 / 6,0%	14,5 / 6,9%	13,4 / 7,4%	9,4 / 10,7%	9,5 / 10,5%	10,0 / 10,0%	9,6 / 10,4%
NIM	6,96%	5,80%	4,09%	0,00%	3,68%	4,95%	4,78%	5,62%	7,17%	6,88%	5,70%	5,39%
Return on assets	8,28%	8,20%	6,92%	0,00%	5,85%	7,15%	8,51%	8,52%	11,05%	11,00%	10,89%	10,34%
Cost of liabilities	3,34%	3,27%	2,88%	0,00%	2,34%	2,80%	3,03%	3,14%	4,36%	4,53%	4,38%	4,23%
Net spread	4,94%	4,93%	4,04%	0,00%	3,51%	4,35%	5,48%	5,38%	6,69%	6,47%	6,51%	6,11%
Cost / income	159,46%	218,50%	342,77%	0,00%	156,90%	131,32%	174,82%	125,13%	93,01%	86,87%	118,33%	109,92%
Cost of assets	10,90%	11,34%	9,75%	0,00%	5,74%	6,67%	7,71%	7,60%	8,15%	8,08%	8,11%	7,04%
Net assets	2 008 872	1 952 068	2 203 091	3 379 513	3 543 517	3 137 313	3 021 658	2 943 927	2 129 528	2 046 854	2 114 300	2 228 978
Average equity	165 142	171 087	160 321	145 055	149 290	189 729	208 294	219 205	227 720	215 626	211 446	231 164
Average % assets	1 561 937	1 391 419	1 534 007	2 016 493	2 355 695	2 033 783	1 847 912	1 890 561	1 587 549	1 619 670	1 664 371	1 785 311
Average % liabilities	1 819 536	1 757 910	2 017 966	3 188 954	3 343 320	2 891 778	2 747 196	2 666 813	1 844 322	1 783 360	1 846 342	1 944 657
NII	108 786	60 616	31 433	17 615	86 796	75 539	44 172	26 569	113 962	83 587	47 488	24 100
NCI	19 873	10 410	5 670	1 931	7 327	4 357	1 913	2 008	13 390	9 771	6 400	3 395
NCI / NII	18,3%	17,2%	18,0%	11,0%	8,4%	5,8%	4,3%	7,6%	11,7%	11,7%	13,5%	14,1%

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	0,20%	-2,57%	-5,11%	0,00%	-2,04%	-4,97%	-2,40%	-0,51%	-5,05%	8,47%	-2,86%	0,05%
RoE	2,45%	-29,35%	-70,35%	0,00%	-48,56%	-82,27%	-34,88%	-6,92%	-47,23%	80,47%	-28,66%	0,53%
Leverage cap. adequacy	12,2 / 8,2%	11,4 / 8,8%	13,7 / 7,3%	23,3 / 4,3%	23,7 / 4,2%	16,5 / 6,0%	14,5 / 6,9%	13,4 / 7,4%	9,4 / 10,7%	9,5 / 10,5%	10,0 / 10,0%	9,6 / 10,4%
NIM	12,33%	8,38%	3,60%	0,00%	1,91%	6,16%	3,81%	5,62%	7,65%	8,91%	5,62%	5,39%
Return on assets	11,21%	9,35%	7,12%	0,00%	4,88%	5,99%	8,30%	8,52%	10,55%	10,60%	10,69%	10,34%
Cost of liabilities	3,89%	3,20%	2,68%	0,00%	2,09%	2,63%	3,02%	3,14%	4,28%	4,54%	4,30%	4,23%
Net spread	7,32%	6,15%	4,44%	0,00%	2,79%	3,36%	5,28%	5,38%	6,27%	6,06%	6,39%	6,11%
Cost / income	97,45%	133,84%	269,04%	0,00%	379,14%	83,27%	291,59%	125,13%	116,46%	55,12%	126,90%	109,92%
Cost of assets	13,00%	12,39%	10,24%	0,00%	5,73%	6,03%	7,67%	7,60%	8,46%	7,66%	8,62%	7,04%
Net assets	2 008 872	1 952 068	2 203 091	3 379 513	3 543 517	3 137 313	3 021 658	2 943 927	2 129 528	2 046 854	2 114 300	2 228 978
Average equity	165 142	171 087	160 321	145 055	149 290	189 729	208 294	219 205	227 720	215 626	211 446	231 164
Average % assets	1 561 937	1 391 419	1 534 007	2 016 493	2 355 695	2 033 783	1 847 912	1 890 561	1 587 549	1 619 670	1 664 371	1 785 311
Average % liabilities	1 819 536	1 757 910	2 017 966	3 188 954	3 343 320	2 891 778	2 747 196	2 666 813	1 844 322	1 783 360	1 846 342	1 944 657
NII	48 170	29 183	13 818	17 615	11 257	31 367	17 603	26 569	30 375	36 099	23 388	24 100
NCI	9 463	4 740	3 739	1 931	2 970	2 444	0	2 008	3 619	3 371	3 005	3 395
NCI / NII	19,6%	16,2%	27,1%	11,0%	26,4%	7,8%	0,0%	7,6%	11,9%	9,3%	12,8%	14,1%

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.