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Central Bank of Russia registration number: 2755  complies with 214-FZ (equity construction)

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	-0,04%	0,25%	-0,21%	0,00%	0,18%	-0,33%	-1,58%	-3,75%	2,80%	2,32%	3,03%	9,24%
RoE	-0,29%	1,60%	-1,32%	0,00%	1,09%	-1,96%	-8,98%	-19,40%	14,28%	10,99%	14,40%	56,57%
Leverage cap. adequacy	6,9 / 14,5%	6,3 / 15,9%	6,2 / 16,1%	5,6 / 17,8%	6,1 / 16,5%	5,9 / 17,0%	5,7 / 17,7%	5,2 / 19,3%	5,1 / 19,6%	4,7 / 21,1%	4,8 / 21,0%	6,1 / 16,3%
NIM	6,02%	6,32%	5,74%	0,00%	5,06%	5,35%	5,65%	5,56%	6,42%	6,98%	6,49%	5,38%
Return on assets	7,98%	7,38%	6,85%	0,00%	6,77%	7,33%	7,99%	7,71%	9,00%	9,68%	9,66%	8,39%
Cost of liabilities	1,18%	1,33%	1,44%	0,00%	1,84%	2,04%	2,27%	2,56%	3,09%	3,46%	3,52%	3,17%
Net spread	6,80%	6,05%	5,41%	0,00%	4,93%	5,29%	5,72%	5,15%	5,91%	6,22%	6,14%	5,22%
Cost / income	94,54%	88,18%	100,25%	0,00%	99,67%	102,21%	121,40%	148,41%	195,76%	334,69%	0,00%	114,47%
Cost of assets	7,40%	6,78%	6,49%	0,00%	6,52%	7,27%	8,52%	8,66%	7,19%	7,88%	7,96%	6,83%
Net assets	20 882 312	19 047 656	18 564 462	16 900 597	18 035 802	16 993 794	16 162 495	15 119 779	14 938 630	13 902 924	15 015 677	19 027 189
Average equity	3 033 099	3 034 799	2 992 915	3 007 297	2 969 531	2 896 218	2 856 262	2 925 048	2 929 016	2 933 230	3 160 518	3 108 619
Average % assets	11 251 569	12 201 242	12 920 393	12 437 385	13 114 519	11 956 439	11 086 029	12 123 274	12 289 440	11 682 650	12 310 206	15 895 830
Average % liabilities	17 565 684	15 743 441	15 260 269	13 551 815	14 654 319	13 655 275	12 871 563	11 924 065	11 759 441	10 722 485	11 635 335	15 701 966
NII	678 383	578 572	371 399	173 584	663 883	480 488	313 228	168 659	789 705	612 428	399 648	213 800
NCI	114 984	86 964	40 472	18 869	119 052	87 424	52 089	27 807	112 694	76 764	48 399	22 557
NCI / NII	16,9%	15,0%	10,9%	10,9%	17,9%	18,2%	16,6%	16,5%	14,3%	12,5%	12,1%	10,6%

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	-0,87%	1,18%	0,49%	0,00%	1,67%	2,01%	0,33%	-3,75%	4,72%	0,41%	-5,64%	9,24%
RoE	-6,00%	7,43%	3,05%	0,00%	10,14%	11,82%	1,90%	-19,40%	24,09%	1,94%	-26,83%	56,57%
Leverage cap. adequacy	6,9 / 14,5%	6,3 / 15,9%	6,2 / 16,1%	5,6 / 17,8%	6,1 / 16,5%	5,9 / 17,0%	5,7 / 17,7%	5,2 / 19,3%	5,1 / 19,6%	4,7 / 21,1%	4,8 / 21,0%	6,1 / 16,3%
NIM	3,54%	6,79%	6,12%	0,00%	5,59%	5,59%	5,21%	5,56%	5,77%	7,28%	6,03%	5,38%
Return on assets	7,92%	7,64%	7,13%	0,00%	7,03%	7,20%	7,53%	7,71%	8,37%	8,68%	8,50%	8,39%
Cost of liabilities	1,15%	1,20%	1,45%	0,00%	1,64%	1,83%	2,17%	2,56%	2,90%	2,73%	2,77%	3,17%
Net spread	6,77%	6,44%	5,68%	0,00%	5,39%	5,37%	5,36%	5,15%	5,47%	5,95%	5,73%	5,22%
Cost / income	120,31%	70,25%	81,29%	0,00%	92,50%	72,45%	98,52%	148,41%	79,83%	76,56%	0,00%	114,47%
Cost of assets	7,45%	6,51%	6,19%	0,00%	6,33%	6,06%	7,48%	8,66%	6,39%	6,91%	7,16%	6,83%
Net assets	20 882 312	19 047 656	18 564 462	16 900 597	18 035 802	16 993 794	16 162 495	15 119 779	14 938 630	13 902 924	15 015 677	19 027 189
Average equity	3 033 099	3 034 799	2 992 915	3 007 297	2 969 531	2 896 218	2 856 262	2 925 048	2 929 016	2 933 230	3 160 518	3 108 619
Average % assets	11 251 569	12 201 242	12 920 393	12 437 385	13 114 519	11 956 439	11 086 029	12 123 274	12 289 440	11 682 650	12 310 206	15 895 830
Average % liabilities	17 565 684	15 743 441	15 260 269	13 551 815	14 654 319	13 655 275	12 871 563	11 924 065	11 759 441	10 722 485	11 635 335	15 701 966
NII	99 811	207 173	197 815	173 584	183 395	167 260	144 569	168 659	177 277	212 780	185 848	213 800
NCI	28 020	46 492	21 603	18 869	31 628	35 335	24 282	27 807	35 930	28 365	25 842	22 557
NCI / NII	28,1%	22,4%	10,9%	10,9%	17,2%	21,1%	16,8%	16,5%	20,3%	13,3%	13,9%	10,6%

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.