Mailing list archive

	LOKO-BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2707  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions4

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	1,94%	1,08%	0,80%	0,00%	1,61%	2,44%	2,67%	0,50%	2,85%	3,27%	3,88%	9,70%
RoE	13,81%	8,43%	6,28%	0,00%	11,51%	11,66%	12,52%	2,75%	17,46%	19,20%	23,25%	49,23%
Leverage cap. adequacy	7,1 / 14,1%	7,8 / 12,9%	7,8 / 12,8%	7,9 / 12,6%	7,1 / 14,1%	4,8 / 21,0%	4,7 / 21,3%	5,4 / 18,5%	6,1 / 16,3%	5,9 / 17,0%	6,0 / 16,7%	5,1 / 19,7%
NIM	5,10%	4,80%	4,51%	0,00%	4,00%	6,18%	6,58%	6,03%	4,60%	4,86%	4,54%	4,84%
Return on assets	9,93%	9,07%	8,55%	0,00%	7,19%	10,50%	11,46%	10,60%	10,76%	11,83%	12,05%	14,60%
Cost of liabilities	5,01%	4,53%	4,27%	0,00%	3,49%	5,21%	5,82%	5,56%	5,95%	6,25%	6,11%	6,76%
Net spread	4,92%	4,54%	4,28%	0,00%	3,70%	5,29%	5,64%	5,04%	4,81%	5,58%	5,94%	7,84%
Cost / income	44,17%	50,11%	51,23%	0,00%	46,17%	45,02%	44,73%	71,54%	58,58%	64,45%	72,51%	66,73%
Cost of assets	3,19%	3,01%	2,87%	0,00%	2,92%	4,64%	5,15%	4,87%	5,03%	5,83%	6,16%	5,66%
Net assets	150 356 715	156 305 486	157 734 776	161 053 640	146 980 396	95 799 355	89 701 746	99 522 350	108 063 359	100 589 698	100 704 754	85 168 559
Average equity	21 126 393	20 147 557	20 210 011	20 371 894	20 670 952	20 078 612	19 130 466	18 373 261	17 631 760	17 146 397	16 832 918	16 782 223
Average % assets	134 726 464	143 760 589	145 599 805	151 534 133	138 859 903	89 625 414	83 175 289	93 395 678	103 207 655	93 912 828	93 273 396	78 119 576
Average % liabilities	127 766 236	134 682 879	135 994 377	139 086 073	124 745 521	74 088 014	68 923 671	79 612 049	89 491 266	82 487 004	83 015 443	67 624 063
NII	6 878 978	5 184 870	3 288 881	1 673 769	5 561 082	4 157 850	2 739 889	1 409 759	4 754 891	3 423 325	2 119 155	946 149
NCI	1 679 006	1 222 852	828 513	425 681	1 902 974	1 392 759	868 524	438 235	2 358 200	1 799 217	1 261 410	535 530
NCI / NII	24,4%	23,6%	25,2%	25,4%	34,2%	33,5%	31,7%	31,1%	49,6%	52,6%	59,5%	56,6%

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	4,37%	1,63%	1,30%	0,00%	1,70%	2,32%	4,77%	0,50%	2,25%	2,03%	-0,43%	9,70%
RoE	31,12%	12,69%	10,16%	0,00%	12,08%	11,11%	22,40%	2,75%	13,84%	11,96%	-2,58%	49,23%
Leverage cap. adequacy	7,1 / 14,1%	7,8 / 12,9%	7,8 / 12,8%	7,9 / 12,6%	7,1 / 14,1%	4,8 / 21,0%	4,7 / 21,3%	5,4 / 18,5%	6,1 / 16,3%	5,9 / 17,0%	6,0 / 16,7%	5,1 / 19,7%
NIM	5,02%	5,27%	4,43%	0,00%	4,04%	6,32%	6,39%	6,03%	5,16%	5,55%	5,03%	4,84%
Return on assets	10,69%	9,88%	8,76%	0,00%	8,45%	10,22%	11,02%	10,60%	10,75%	11,56%	11,87%	14,60%
Cost of liabilities	5,72%	4,95%	4,41%	0,00%	4,68%	4,81%	5,21%	5,56%	6,52%	6,44%	6,72%	6,76%
Net spread	4,97%	4,93%	4,35%	0,00%	3,77%	5,41%	5,81%	5,04%	4,23%	5,12%	5,15%	7,84%
Cost / income	32,45%	48,22%	55,19%	0,00%	49,96%	45,66%	31,15%	71,54%	43,71%	51,01%	76,61%	66,73%
Cost of assets	3,15%	3,23%	3,33%	0,00%	2,94%	4,39%	4,77%	4,87%	4,25%	5,19%	7,62%	5,66%
Net assets	150 356 715	156 305 486	157 734 776	161 053 640	146 980 396	95 799 355	89 701 746	99 522 350	108 063 359	100 589 698	100 704 754	85 168 559
Average equity	21 126 393	20 147 557	20 210 011	20 371 894	20 670 952	20 078 612	19 130 466	18 373 261	17 631 760	17 146 397	16 832 918	16 782 223
Average % assets	134 726 464	143 760 589	145 599 805	151 534 133	138 859 903	89 625 414	83 175 289	93 395 678	103 207 655	93 912 828	93 273 396	78 119 576
Average % liabilities	127 766 236	134 682 879	135 994 377	139 086 073	124 745 521	74 088 014	68 923 671	79 612 049	89 491 266	82 487 004	83 015 443	67 624 063
NII	1 694 108	1 895 989	1 615 112	1 673 769	1 403 232	1 417 961	1 330 130	1 409 759	1 331 566	1 304 170	1 173 006	946 149
NCI	456 154	394 339	402 832	425 681	510 215	524 235	430 289	438 235	558 983	537 807	725 880	535 530
NCI / NII	26,9%	20,8%	24,9%	25,4%	36,4%	37,0%	32,3%	31,1%	42,0%	41,2%	61,9%	56,6%

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.