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Central Bank of Russia registration number: 2761

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	0,13%	-1,66%	-4,30%	0,00%	2,21%	3,61%	-1,21%	-1,82%	2,72%	3,66%	9,37%	22,45%
RoE	0,25%	-2,98%	-7,96%	0,00%	4,77%	7,32%	-2,48%	-3,63%	4,86%	5,88%	14,79%	39,57%
Leverage cap. adequacy	1,9 / 51,6%	1,8 / 55,8%	1,9 / 54,0%	2,1 / 47,3%	2,2 / 46,4%	2,0 / 49,3%	2,1 / 48,7%	2,0 / 50,1%	1,8 / 55,9%	1,6 / 62,2%	1,6 / 63,4%	1,8 / 56,7%
NIM	4,72%	4,64%	3,93%	0,00%	4,50%	4,92%	5,05%	5,18%	8,54%	6,74%	6,85%	6,11%
Return on assets	4,43%	4,31%	3,66%	0,00%	4,21%	4,61%	4,75%	4,99%	0,05%	0,07%	0,12%	0,19%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	4,43%	4,31%	3,66%	0,00%	4,21%	4,61%	4,75%	4,99%	0,05%	0,07%	0,12%	0,19%
Cost / income	108,16%	123,02%	135,63%	0,00%	146,26%	148,47%	99,82%	90,73%	86,06%	81,49%	73,29%	51,71%
Cost of assets	10,86%	13,05%	12,31%	0,00%	10,68%	10,51%	9,32%	9,82%	11,90%	12,26%	12,83%	9,91%
Net assets	215 530	196 123	201 698	236 398	262 072	269 744	289 343	294 910	302 321	299 209	302 363	323 765
Average equity	111 108	109 355	108 959	111 780	121 483	132 961	140 877	147 878	169 076	185 970	191 671	183 673
Average % assets	211 827	185 714	197 516	232 380	235 253	233 358	258 731	257 753	261 738	258 541	254 489	306 510
Average % liabilities	102 383	85 252	91 434	123 360	125 372	117 518	125 380	129 384	123 129	111 364	109 300	138 504
NII	10 019	6 472	3 886	1 917	10 600	8 611	6 542	3 343	22 376	13 079	8 725	4 682
NCI	7 547	5 229	3 177	1 483	7 501	5 317	3 242	1 789	8 244	5 934	4 054	2 059
NCI / NII	75,3%	80,8%	81,8%	77,4%	70,8%	61,7%	49,6%	53,5%	36,8%	45,4%	46,5%	44,0%

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	5,07%	3,85%	-1,75%	0,00%	-2,30%	13,43%	-0,56%	-1,82%	0,02%	-7,97%	-5,28%	22,45%
RoE	9,85%	6,92%	-3,24%	0,00%	-4,96%	27,25%	-1,15%	-3,63%	0,04%	-12,82%	-8,34%	39,57%
Leverage cap. adequacy	1,9 / 51,6%	1,8 / 55,8%	1,9 / 54,0%	2,1 / 47,3%	2,2 / 46,4%	2,0 / 49,3%	2,1 / 48,7%	2,0 / 50,1%	1,8 / 55,9%	1,6 / 62,2%	1,6 / 63,4%	1,8 / 56,7%
NIM	6,69%	5,56%	3,98%	0,00%	3,38%	3,54%	4,94%	5,18%	14,20%	6,73%	6,35%	6,11%
Return on assets	6,37%	5,16%	3,66%	0,00%	3,11%	3,31%	4,53%	4,99%	0,00%	0,00%	0,00%	0,19%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	6,37%	5,16%	3,66%	0,00%	3,11%	3,31%	4,53%	4,99%	0,00%	0,00%	0,00%	0,19%
Cost / income	78,64%	103,54%	133,73%	0,00%	140,58%	9149,09%	112,16%	90,73%	104,70%	106,13%	115,33%	51,71%
Cost of assets	10,58%	12,95%	12,69%	0,00%	11,51%	10,45%	8,89%	9,82%	11,40%	11,96%	13,69%	9,91%
Net assets	215 530	196 123	201 698	236 398	262 072	269 744	289 343	294 910	302 321	299 209	302 363	323 765
Average equity	111 108	109 355	108 959	111 780	121 483	132 961	140 877	147 878	169 076	185 970	191 671	183 673
Average % assets	211 827	185 714	197 516	232 380	235 253	233 358	258 731	257 753	261 738	258 541	254 489	306 510
Average % liabilities	102 383	85 252	91 434	123 360	125 372	117 518	125 380	129 384	123 129	111 364	109 300	138 504
NII	3 547	2 586	1 969	1 917	1 989	2 069	3 199	3 343	9 297	4 354	4 043	4 682
NCI	2 318	2 052	1 694	1 483	2 184	2 075	1 453	1 789	2 310	1 880	1 995	2 059
NCI / NII	65,4%	79,4%	86,0%	77,4%	109,8%	100,3%	45,4%	53,5%	24,8%	43,2%	49,3%	44,0%

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.