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Central Bank of Russia registration number: 2748  state-controlled, under US sanctions, under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

General information Emissions5

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	1,52%	1,24%	-0,81%	0,00%	3,47%	2,08%	2,80%	4,45%	2,68%	3,27%	2,41%	3,59%
RoE	8,70%	7,43%	-5,69%	0,00%	32,60%	23,65%	34,34%	65,39%	42,43%	59,68%	48,27%	58,48%
Leverage cap. adequacy	5,7 / 17,5%	6,0 / 16,8%	6,9 / 14,4%	8,2 / 12,1%	9,4 / 10,7%	11,4 / 8,8%	12,2 / 8,2%	14,7 / 6,8%	15,8 / 6,3%	18,2 / 5,5%	20,0 / 5,0%	16,2 / 6,2%
NIM	3,41%	3,46%	3,99%	0,00%	1,87%	1,87%	2,04%	2,45%	2,49%	2,48%	2,33%	2,72%
Return on assets	4,90%	4,54%	4,47%	0,00%	4,51%	4,36%	4,44%	5,00%	5,60%	5,62%	5,60%	5,61%
Cost of liabilities	12,37%	12,26%	12,39%	0,00%	10,65%	9,78%	9,77%	11,52%	11,48%	11,38%	11,21%	10,17%
Net spread	-7,47%	-7,72%	-7,92%	0,00%	-6,14%	-5,42%	-5,33%	-6,52%	-5,88%	-5,76%	-5,61%	-4,56%
Cost / income	4,14%	2,45%	1,10%	0,00%	3,60%	4,33%	6,91%	1,56%	11,22%	11,52%	6,91%	5,11%
Cost of assets	0,59%	0,42%	0,26%	0,00%	0,12%	0,10%	0,10%	0,12%	0,16%	0,14%	0,13%	0,11%
Net assets	465 643 359	457 567 416	427 359 238	398 247 932	473 692 729	498 630 364	472 087 887	382 541 239	377 067 035	376 548 626	379 303 963	395 347 768
Average equity	81 518 758	76 728 511	61 507 900	48 334 989	50 496 903	43 891 706	38 597 449	26 069 344	23 886 799	20 654 481	19 011 539	24 330 922
Average % assets	517 332 059	525 361 692	496 328 048	488 630 388	555 104 439	580 518 078	560 676 186	480 939 855	473 756 824	478 822 981	485 070 898	492 813 211
Average % liabilities	369 837 476	365 492 869	352 518 955	337 767 770	411 010 430	442 672 982	421 369 834	344 307 724	341 114 214	343 888 300	348 277 326	358 454 447
NII	17 646 683	13 644 459	9 920 078	2 410 592	10 413 648	8 150 029	5 731 670	2 949 445	11 839 920	8 934 209	5 661 496	3 353 169
NCI	0	0	0	0	0	0	0	0	0	0	0	0
NCI / NII	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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	2,42%	5,26%	-3,76%	0,00%	7,32%	0,93%	2,00%	4,45%	0,94%	4,94%	1,08%	3,59%
RoE	13,83%	31,42%	-26,15%	0,00%	68,72%	10,56%	24,51%	65,39%	14,92%	90,17%	21,69%	58,48%
Leverage cap. adequacy	5,7 / 17,5%	6,0 / 16,8%	6,9 / 14,4%	8,2 / 12,1%	9,4 / 10,7%	11,4 / 8,8%	12,2 / 8,2%	14,7 / 6,8%	15,8 / 6,3%	18,2 / 5,5%	20,0 / 5,0%	16,2 / 6,2%
NIM	3,09%	2,83%	6,05%	0,00%	1,63%	1,66%	1,98%	2,45%	2,45%	2,73%	1,90%	2,72%
Return on assets	5,76%	5,17%	4,63%	0,00%	4,38%	4,51%	4,58%	5,00%	5,37%	5,52%	5,50%	5,61%
Cost of liabilities	13,15%	12,89%	12,70%	0,00%	11,01%	10,74%	10,13%	11,52%	11,53%	11,42%	11,96%	10,17%
Net spread	-7,39%	-7,72%	-8,07%	0,00%	-6,63%	-6,23%	-5,55%	-6,52%	-6,16%	-5,90%	-6,46%	-4,56%
Cost / income	25,63%	15,92%	0,87%	0,00%	2,69%	2,63%	0,00%	1,56%	10,65%	0,00%	9,40%	5,11%
Cost of assets	1,06%	0,75%	0,39%	0,00%	0,17%	0,11%	0,10%	0,12%	0,21%	0,15%	0,15%	0,11%
Net assets	465 643 359	457 567 416	427 359 238	398 247 932	473 692 729	498 630 364	472 087 887	382 541 239	377 067 035	376 548 626	379 303 963	395 347 768
Average equity	81 518 758	76 728 511	61 507 900	48 334 989	50 496 903	43 891 706	38 597 449	26 069 344	23 886 799	20 654 481	19 011 539	24 330 922
Average % assets	517 332 059	525 361 692	496 328 048	488 630 388	555 104 439	580 518 078	560 676 186	480 939 855	473 756 824	478 822 981	485 070 898	492 813 211
Average % liabilities	369 837 476	365 492 869	352 518 955	337 767 770	411 010 430	442 672 982	421 369 834	344 307 724	341 114 214	343 888 300	348 277 326	358 454 447
NII	4 002 224	3 724 381	7 509 486	2 410 592	2 263 619	2 418 359	2 782 225	2 949 445	2 905 711	3 272 713	2 308 327	3 353 169
NCI	0	2 735	0	0	0	0	0	0	0	0	0	0
NCI / NII	0,0%	0,1%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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.