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Central Bank of Russia registration number: 2726  foreign-controlled

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

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	23,94%	23,88%	25,16%	0,00%	17,98%	17,25%	13,50%	6,90%	14,38%	13,46%	12,05%	8,36%
RoE	51,64%	51,32%	58,16%	0,00%	44,72%	46,53%	37,44%	17,19%	34,87%	35,05%	30,84%	22,20%
Leverage cap. adequacy	2,2 / 46,4%	2,1 / 46,5%	2,3 / 43,3%	2,4 / 42,2%	2,5 / 40,2%	2,7 / 37,1%	2,8 / 36,1%	2,5 / 40,1%	2,4 / 41,3%	2,6 / 38,4%	2,6 / 39,1%	2,7 / 37,6%
NIM	4,66%	4,28%	3,85%	0,00%	3,37%	3,80%	4,85%	5,41%	6,89%	7,62%	8,20%	7,84%
Return on assets	4,97%	4,64%	4,27%	0,00%	3,99%	4,51%	5,67%	6,23%	6,89%	7,62%	8,20%	7,84%
Cost of liabilities	1,33%	1,70%	1,89%	0,00%	1,88%	2,21%	2,12%	2,01%	0,00%	0,00%	0,00%	0,00%
Net spread	3,64%	2,94%	2,38%	0,00%	2,11%	2,30%	3,55%	4,22%	6,89%	7,62%	8,20%	7,84%
Cost / income	23,15%	25,49%	25,05%	0,00%	34,68%	37,92%	44,41%	60,97%	51,85%	54,53%	61,97%	69,20%
Cost of assets	24,20%	27,40%	28,11%	0,00%	40,00%	43,75%	48,89%	53,71%	59,85%	64,90%	76,76%	81,11%
Net assets	7 837 185	7 056 891	6 505 835	6 132 056	5 759 912	5 297 939	4 571 588	3 883 128	3 791 787	3 601 555	3 177 721	3 095 963
Average equity	3 633 152	3 283 673	2 814 927	2 585 282	2 316 249	1 964 153	1 648 402	1 558 422	1 564 659	1 382 915	1 242 128	1 165 604
Average % assets	2 968 340	2 603 439	2 353 599	2 063 349	1 773 296	1 561 498	1 347 460	1 292 163	1 234 020	1 112 583	1 026 234	1 052 152
Average % liabilities	686 089	557 502	519 998	568 300	586 035	495 081	520 325	522 604	495 397	475 956	503 811	549 371
NII	138 576	83 650	45 382	19 736	59 888	44 587	32 685	17 507	85 024	63 642	42 125	20 630
NCI	584 734	425 009	261 843	117 651	384 841	265 421	151 624	68 412	195 614	128 147	92 122	51 854
NCI / NII	422,0%	508,1%	577,0%	596,1%	642,6%	595,3%	463,9%	390,8%	230,1%	201,4%	218,7%	251,4%

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	31,25%	25,24%	29,42%	0,00%	24,33%	28,46%	21,13%	6,90%	19,19%	19,10%	15,96%	8,36%
RoE	67,41%	54,25%	68,01%	0,00%	60,52%	76,76%	58,62%	17,19%	46,52%	49,76%	40,85%	22,20%
Leverage cap. adequacy	2,2 / 46,4%	2,1 / 46,5%	2,3 / 43,3%	2,4 / 42,2%	2,5 / 40,2%	2,7 / 37,1%	2,8 / 36,1%	2,5 / 40,1%	2,4 / 41,3%	2,6 / 38,4%	2,6 / 39,1%	2,7 / 37,6%
NIM	7,40%	5,87%	4,35%	0,00%	3,45%	3,04%	4,50%	5,41%	6,93%	7,73%	8,37%	7,84%
Return on assets	7,67%	6,21%	4,76%	0,00%	4,08%	3,74%	5,36%	6,23%	6,93%	7,73%	8,37%	7,84%
Cost of liabilities	1,19%	1,57%	1,83%	0,00%	1,90%	2,19%	2,22%	2,01%	0,00%	0,00%	0,00%	0,00%
Net spread	6,48%	4,64%	2,93%	0,00%	2,18%	1,55%	3,14%	4,22%	6,93%	7,73%	8,37%	7,84%
Cost / income	18,25%	26,24%	23,31%	0,00%	28,39%	30,02%	34,10%	60,97%	45,68%	41,32%	55,16%	69,20%
Cost of assets	24,72%	31,38%	28,21%	0,00%	44,48%	46,90%	46,26%	53,71%	63,86%	53,19%	70,34%	81,11%
Net assets	7 837 185	7 056 891	6 505 835	6 132 056	5 759 912	5 297 939	4 571 588	3 883 128	3 791 787	3 601 555	3 177 721	3 095 963
Average equity	3 633 152	3 283 673	2 814 927	2 585 282	2 316 249	1 964 153	1 648 402	1 558 422	1 564 659	1 382 915	1 242 128	1 165 604
Average % assets	2 968 340	2 603 439	2 353 599	2 063 349	1 773 296	1 561 498	1 347 460	1 292 163	1 234 020	1 112 583	1 026 234	1 052 152
Average % liabilities	686 089	557 502	519 998	568 300	586 035	495 081	520 325	522 604	495 397	475 956	503 811	549 371
NII	54 926	38 268	25 646	19 736	15 301	11 902	15 178	17 507	21 382	21 517	21 495	20 630
NCI	159 725	163 166	144 192	117 651	119 420	113 797	83 212	68 412	67 467	36 025	40 268	51 854
NCI / NII	290,8%	426,4%	562,2%	596,1%	780,5%	956,1%	548,2%	390,8%	315,5%	167,4%	187,3%	251,4%

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.