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Central Bank of Russia registration number: 2618  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions0

Balance Profit Profitability

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	0,88%	0,40%	0,19%	0,00%	0,94%	2,09%	1,83%	3,88%	-7,60%	-1,78%	-1,59%	-2,32%
RoE	8,95%	3,89%	1,92%	0,00%	7,81%	16,82%	15,61%	35,01%	-59,82%	-12,62%	-12,40%	-18,92%
Leverage cap. adequacy	10,1 / 9,9%	9,6 / 10,4%	10,0 / 10,0%	9,8 / 10,2%	8,3 / 12,1%	8,0 / 12,5%	8,5 / 11,8%	9,0 / 11,1%	7,9 / 12,7%	7,1 / 14,1%	7,8 / 12,9%	8,1 / 12,3%
NIM	3,37%	3,19%	2,72%	0,00%	4,63%	5,69%	6,41%	9,03%	0,72%	0,00%	0,00%	2,42%
Return on assets	4,92%	4,72%	4,51%	0,00%	5,32%	5,84%	5,77%	5,97%	9,33%	10,64%	10,09%	9,39%
Cost of liabilities	1,77%	1,88%	1,93%	0,00%	2,60%	2,85%	2,79%	2,81%	6,18%	7,97%	8,64%	5,63%
Net spread	3,15%	2,84%	2,58%	0,00%	2,72%	2,99%	2,98%	3,16%	3,15%	2,67%	1,45%	3,76%
Cost / income	51,11%	52,14%	59,04%	0,00%	50,70%	33,21%	30,27%	17,86%	0,00%	0,00%	0,00%	0,00%
Cost of assets	1,99%	1,81%	1,87%	0,00%	2,66%	2,56%	2,24%	2,15%	3,98%	4,33%	3,93%	3,24%
Net assets	68 740 231	64 756 442	64 108 685	63 956 587	57 686 543	55 141 912	57 563 231	54 946 179	44 296 622	40 075 947	43 589 258	46 446 391
Average equity	6 796 095	6 719 896	6 385 884	6 497 684	6 986 703	6 873 413	6 764 165	6 097 673	5 634 176	5 664 909	5 611 214	5 700 891
Average % assets	56 880 643	55 554 397	54 305 603	51 350 261	47 525 253	45 187 464	47 901 798	46 400 800	32 729 357	29 380 684	33 144 515	37 731 940
Average % liabilities	61 428 370	57 342 293	56 785 566	56 403 986	49 803 219	47 161 419	49 788 161	48 228 858	38 123 378	33 906 031	37 264 909	40 347 985
NII	1 919 906	1 330 808	740 536	341 695	2 203 472	1 930 426	1 535 632	1 048 194	237 086	0	0	228 336
NCI	447 771	102 291	43 671	18 398	125 474	90 938	59 680	35 345	161 421	128 961	92 283	49 522
NCI / NII	23,3%	7,7%	5,9%	5,4%	5,7%	4,7%	3,9%	3,4%	68,1%	-	-	21,7%

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	2,39%	0,83%	1,58%	0,00%	-2,22%	2,45%	-0,03%	3,88%	-25,59%	-1,87%	-0,71%	-2,32%
RoE	24,26%	8,03%	15,95%	0,00%	-18,38%	19,72%	-0,33%	35,01%	-201,21%	-13,29%	-5,57%	-18,92%
Leverage cap. adequacy	10,1 / 9,9%	9,6 / 10,4%	10,0 / 10,0%	9,8 / 10,2%	8,3 / 12,1%	8,0 / 12,5%	8,5 / 11,8%	9,0 / 11,1%	7,9 / 12,7%	7,1 / 14,1%	7,8 / 12,9%	8,1 / 12,3%
NIM	4,14%	4,25%	2,93%	0,00%	2,29%	3,49%	4,07%	9,03%	4,93%	3,48%	0,00%	2,42%
Return on assets	5,85%	5,35%	4,69%	0,00%	4,62%	5,28%	5,76%	5,97%	8,66%	9,15%	9,49%	9,39%
Cost of liabilities	1,79%	1,84%	2,07%	0,00%	2,29%	2,66%	2,86%	2,81%	3,48%	4,92%	11,18%	5,63%
Net spread	4,06%	3,51%	2,62%	0,00%	2,33%	2,62%	2,90%	3,16%	5,18%	4,23%	-1,69%	3,76%
Cost / income	49,16%	42,09%	54,17%	0,00%	0,00%	39,45%	69,75%	17,86%	0,00%	0,00%	0,00%	0,00%
Cost of assets	2,66%	1,78%	1,94%	0,00%	3,41%	2,93%	2,47%	2,15%	4,17%	4,19%	4,18%	3,24%
Net assets	68 740 231	64 756 442	64 108 685	63 956 587	57 686 543	55 141 912	57 563 231	54 946 179	44 296 622	40 075 947	43 589 258	46 446 391
Average equity	6 796 095	6 719 896	6 385 884	6 497 684	6 986 703	6 873 413	6 764 165	6 097 673	5 634 176	5 664 909	5 611 214	5 700 891
Average % assets	56 880 643	55 554 397	54 305 603	51 350 261	47 525 253	45 187 464	47 901 798	46 400 800	32 729 357	29 380 684	33 144 515	37 731 940
Average % liabilities	61 428 370	57 342 293	56 785 566	56 403 986	49 803 219	47 161 419	49 788 161	48 228 858	38 123 378	33 906 031	37 264 909	40 347 985
NII	589 098	590 272	398 841	341 695	273 046	394 794	487 438	1 048 194	403 635	256 013	0	228 336
NCI	345 480	58 620	25 273	18 398	34 536	31 258	24 335	35 345	32 460	36 678	42 761	49 522
NCI / NII	58,6%	9,9%	6,3%	5,4%	12,6%	7,9%	5,0%	3,4%	8,0%	14,3%	-	21,7%

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.