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Central Bank of Russia registration number: 2659

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	3,39%	5,15%	5,46%	0,00%	3,09%	4,26%	5,52%	6,94%	3,28%	4,80%	4,87%	6,81%
RoE	17,93%	25,97%	27,78%	0,00%	17,11%	22,89%	29,39%	40,51%	18,81%	27,36%	26,88%	39,12%
Leverage cap. adequacy	5,3 / 18,9%	5,0 / 19,8%	5,1 / 19,7%	5,6 / 17,9%	5,5 / 18,1%	5,4 / 18,6%	5,3 / 18,8%	5,8 / 17,1%	5,7 / 17,5%	5,7 / 17,5%	5,5 / 18,1%	5,7 / 17,4%
NIM	7,41%	7,52%	7,30%	0,00%	6,77%	6,65%	6,45%	6,13%	7,79%	8,58%	9,66%	11,81%
Return on assets	9,25%	9,43%	9,30%	0,00%	9,57%	9,66%	9,80%	9,56%	11,17%	12,14%	13,39%	15,57%
Cost of liabilities	3,23%	3,26%	3,40%	0,00%	4,06%	4,19%	4,74%	4,85%	4,73%	5,00%	5,22%	5,22%
Net spread	6,02%	6,17%	5,90%	0,00%	5,51%	5,47%	5,06%	4,71%	6,44%	7,14%	8,17%	10,35%
Cost / income	51,09%	47,11%	46,98%	0,00%	54,12%	51,70%	54,16%	53,11%	52,60%	47,23%	44,74%	32,74%
Cost of assets	5,60%	5,20%	5,08%	0,00%	5,42%	5,11%	5,24%	5,05%	5,84%	5,72%	5,91%	5,24%
Net assets	3 873 421	3 734 070	3 561 331	3 914 974	3 883 480	3 846 984	3 659 891	3 701 873	3 678 577	3 472 299	3 343 662	3 339 711
Average equity	733 249	740 887	700 480	699 902	701 334	716 295	687 645	634 231	642 715	609 024	605 727	581 760
Average % assets	3 556 596	3 402 656	3 397 726	3 747 267	3 615 992	3 582 240	3 505 546	3 639 539	3 579 575	3 389 777	3 230 337	3 220 029
Average % liabilities	3 096 814	2 947 709	2 814 600	3 167 710	3 127 850	3 050 642	2 792 313	2 893 661	2 888 493	2 707 044	2 583 702	2 607 060
NII	263 731	191 994	124 020	55 797	245 056	178 812	113 214	55 813	278 850	218 169	156 169	95 128
NCI	79 597	56 512	36 447	16 736	65 938	47 391	29 671	15 062	66 734	48 348	30 211	13 874
NCI / NII	30,2%	29,4%	29,4%	30,0%	26,9%	26,5%	26,2%	27,0%	23,9%	22,2%	19,3%	14,6%

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	-1,32%	5,03%	8,47%	0,00%	-0,30%	2,28%	4,02%	6,94%	-0,44%	5,02%	2,93%	6,81%
RoE	-7,00%	25,39%	43,06%	0,00%	-1,69%	12,26%	21,41%	40,51%	-2,55%	28,62%	16,19%	39,12%
Leverage cap. adequacy	5,3 / 18,9%	5,0 / 19,8%	5,1 / 19,7%	5,6 / 17,9%	5,5 / 18,1%	5,4 / 18,6%	5,3 / 18,8%	5,8 / 17,1%	5,7 / 17,5%	5,7 / 17,5%	5,5 / 18,1%	5,7 / 17,4%
NIM	8,06%	7,99%	8,03%	0,00%	7,32%	7,32%	6,54%	6,13%	6,78%	7,31%	7,55%	11,81%
Return on assets	9,92%	9,72%	9,33%	0,00%	9,56%	9,79%	9,68%	9,56%	10,20%	10,89%	11,25%	15,57%
Cost of liabilities	3,62%	3,29%	3,20%	0,00%	3,99%	3,90%	4,45%	4,85%	4,87%	5,05%	5,16%	5,22%
Net spread	6,30%	6,43%	6,13%	0,00%	5,57%	5,89%	5,23%	4,71%	5,33%	5,84%	6,09%	10,35%
Cost / income	61,50%	47,36%	49,29%	0,00%	60,77%	47,41%	55,24%	53,11%	70,14%	52,70%	62,31%	32,74%
Cost of assets	7,45%	5,55%	5,86%	0,00%	6,49%	5,12%	5,26%	5,05%	7,30%	5,98%	6,68%	5,24%
Net assets	3 873 421	3 734 070	3 561 331	3 914 974	3 883 480	3 846 984	3 659 891	3 701 873	3 678 577	3 472 299	3 343 662	3 339 711
Average equity	733 249	740 887	700 480	699 902	701 334	716 295	687 645	634 231	642 715	609 024	605 727	581 760
Average % assets	3 556 596	3 402 656	3 397 726	3 747 267	3 615 992	3 582 240	3 505 546	3 639 539	3 579 575	3 389 777	3 230 337	3 220 029
Average % liabilities	3 096 814	2 947 709	2 814 600	3 167 710	3 127 850	3 050 642	2 792 313	2 893 661	2 888 493	2 707 044	2 583 702	2 607 060
NII	71 737	67 974	68 223	55 797	66 244	65 598	57 401	55 813	60 681	62 000	61 041	95 128
NCI	23 085	20 065	19 711	16 736	18 547	17 720	14 609	15 062	18 386	18 137	16 337	13 874
NCI / NII	32,2%	29,5%	28,9%	30,0%	28,0%	27,0%	25,5%	27,0%	30,3%	29,3%	26,8%	14,6%

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.