Kuap. Ru - Financial analysis of the bank СЕВЕРНЫЙ НАРОДНЫЙ БАНК, key financial ratios, bank's reports analysis

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  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • Belarussian banks - 39
  • Balances (f. 101), ratios (f. 135) and capital (f. 123 and 134) available
    at 1 February 2022
  • Income (f. 102) available
    at 1 January 2022

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SEVERNIY NARODNIY BANK
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Central Bank of Russia registration number: 2721

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
RoA0,59%0,01%-0,74%0,00%0,17%-0,07%0,10%0,95%0,35%0,55%-0,08%0,53%
RoE3,10%0,09%-4,22%0,00%1,06%-0,44%0,62%5,98%2,03%3,03%-0,43%3,14%
Leverage
cap. adequacy		5,2 / 19,2%5,3 / 18,8%5,6 / 17,7%6,2 / 16,1%6,2 / 16,1%6,2 / 16,2%6,1 / 16,5%6,2 / 16,0%5,8 / 17,4%5,4 / 18,4%5,4 / 18,5%5,9 / 16,9%
NIM4,82%4,79%4,87%0,00%3,63%3,24%3,40%3,26%4,42%5,04%5,93%6,83%
Return on
assets		6,63%6,43%6,22%0,00%6,38%6,57%7,14%7,11%7,96%8,71%9,78%10,60%
Cost of
liabilities		2,60%2,56%2,57%0,00%3,40%3,73%4,15%4,37%4,07%4,24%4,47%4,19%
Net
spread		4,03%3,87%3,65%0,00%2,98%2,84%2,99%2,74%3,89%4,47%5,31%6,41%
Cost /
income		81,93%84,53%90,12%0,00%99,86%98,87%107,43%101,80%96,55%88,76%84,52%77,77%
Cost of
assets		5,56%5,63%5,76%0,00%5,62%5,54%5,76%6,05%6,41%6,81%7,15%7,13%
Net
assets		7 168 0287 061 5847 038 9437 601 0137 555 9417 457 4727 302 7977 634 1887 378 5666 908 5086 385 4456 825 930
Average
equity		1 376 4581 328 4681 245 8691 225 8761 217 6231 208 0171 205 9971 222 8131 281 5421 271 7631 181 0721 153 352
Average
% assets		6 336 5876 246 2246 262 1636 778 4896 751 6696 744 5166 507 0256 998 7976 773 8856 321 9575 859 3786 087 025
Average
% liabilities		5 631 4495 585 8555 630 0256 195 0326 177 7576 076 3635 908 3476 232 3235 981 0105 538 2595 115 9995 569 947
NII305 797224 547152 61589 581245 451164 277110 85157 084299 634239 137173 812103 940
NCI81 70461 30140 39920 94695 85772 27847 45025 267110 62882 87555 29427 207
NCI / NII26,7%27,3%26,5%23,4%39,1%44,0%42,8%44,3%36,9%34,7%31,8%26,2%

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
RoA2,33%1,54%2,29%0,00%0,90%-0,41%-0,79%0,95%-0,15%1,82%-0,72%0,53%
RoE12,17%8,20%12,96%0,00%5,59%-2,58%-4,81%5,98%-0,89%9,91%-3,93%3,14%
Leverage
cap. adequacy		5,2 / 19,2%5,3 / 18,8%5,6 / 17,7%6,2 / 16,1%6,2 / 16,1%6,2 / 16,2%6,1 / 16,5%6,2 / 16,0%5,8 / 17,4%5,4 / 18,4%5,4 / 18,5%5,9 / 16,9%
NIM5,12%4,60%4,02%0,00%4,80%3,16%3,30%3,26%3,57%4,13%4,76%6,83%
Return on
assets		7,51%6,82%6,18%0,00%5,81%5,94%6,64%7,11%7,46%8,00%8,55%10,60%
Cost of
liabilities		2,77%2,51%2,43%0,00%2,60%3,11%3,69%4,37%4,49%4,47%4,38%4,19%
Net
spread		4,74%4,31%3,75%0,00%3,21%2,83%2,95%2,74%2,97%3,53%4,17%6,41%
Cost /
income		75,12%74,52%105,96%0,00%102,69%85,17%115,72%101,80%128,71%97,58%93,29%77,77%
Cost of
assets		5,63%5,34%5,72%0,00%5,98%5,51%5,02%6,05%6,67%7,29%6,86%7,13%
Net
assets		7 168 0287 061 5847 038 9437 601 0137 555 9417 457 4727 302 7977 634 1887 378 5666 908 5086 385 4456 825 930
Average
equity		1 376 4581 328 4681 245 8691 225 8761 217 6231 208 0171 205 9971 222 8131 281 5421 271 7631 181 0721 153 352
Average
% assets		6 336 5876 246 2246 262 1636 778 4896 751 6696 744 5166 507 0256 998 7976 773 8856 321 9575 859 3786 087 025
Average
% liabilities		5 631 4495 585 8555 630 0256 195 0326 177 7576 076 3635 908 3476 232 3235 981 0105 538 2595 115 9995 569 947
NII81 25071 93263 03489 58181 17453 42653 76757 08460 49765 32569 872103 940
NCI20 40320 90219 45320 94623 57924 82822 18325 26727 75327 58128 08727 207
NCI / NII25,1%29,1%30,9%23,4%29,0%46,5%41,3%44,3%45,9%42,2%40,2%26,2%

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.

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