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Central Bank of Russia registration number: 2789  foreign-controlled, 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	1,72%	2,14%	2,10%	0,00%	2,27%	1,78%	1,25%	2,56%	2,20%	1,86%	1,98%	1,91%
RoE	11,51%	13,67%	13,31%	0,00%	14,94%	11,84%	8,79%	17,47%	15,15%	12,66%	12,76%	12,55%
Leverage cap. adequacy	6,7 / 15,0%	6,4 / 15,7%	6,3 / 15,8%	6,2 / 16,2%	6,6 / 15,2%	6,7 / 15,0%	7,0 / 14,3%	6,8 / 14,7%	6,9 / 14,6%	6,8 / 14,7%	6,4 / 15,6%	6,6 / 15,2%
NIM	8,22%	8,65%	8,96%	0,00%	9,80%	10,07%	9,65%	10,54%	9,85%	9,99%	10,59%	11,16%
Return on assets	9,30%	9,66%	9,76%	0,00%	10,05%	10,41%	10,09%	10,34%	9,86%	10,11%	10,55%	11,12%
Cost of liabilities	5,28%	5,50%	5,57%	0,00%	6,50%	6,98%	6,90%	7,11%	6,57%	6,71%	6,98%	7,27%
Net spread	4,02%	4,16%	4,19%	0,00%	3,55%	3,43%	3,19%	3,23%	3,29%	3,40%	3,57%	3,85%
Cost / income	57,22%	55,96%	54,83%	0,00%	46,13%	45,38%	47,07%	44,62%	51,58%	51,95%	51,84%	47,76%
Cost of assets	3,67%	3,79%	3,81%	0,00%	3,59%	3,68%	3,56%	3,79%	4,07%	4,17%	4,46%	4,39%
Net assets	38 640 464	35 940 915	34 477 151	32 780 166	33 078 049	31 683 434	32 591 455	31 518 336	30 389 074	28 808 598	26 624 553	23 603 688
Average equity	5 789 556	5 650 039	5 445 341	5 311 074	5 029 000	4 764 239	4 662 685	4 625 221	4 424 421	4 239 132	4 143 261	3 594 929
Average % assets	34 756 938	32 742 347	31 682 697	30 128 545	30 443 401	29 228 597	30 123 181	29 019 573	27 761 979	26 179 347	23 827 925	21 394 365
Average % liabilities	30 640 818	28 170 539	26 927 848	25 325 468	25 740 225	24 485 661	25 298 321	24 138 928	23 350 798	22 033 678	20 082 183	18 234 287
NII	2 858 800	2 125 933	1 419 469	712 856	2 983 543	2 209 380	1 454 426	765 221	2 735 304	1 963 033	1 262 233	597 058
NCI	102 349	69 783	30 407	15 511	0	0	0	4 262	0	0	0	0
NCI / NII	3,6%	3,3%	2,1%	2,2%	0,0%	0,0%	0,0%	0,6%	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	0,90%	2,41%	1,87%	0,00%	3,97%	2,75%	0,03%	2,56%	3,52%	1,91%	2,27%	1,91%
RoE	6,04%	15,34%	11,88%	0,00%	26,12%	18,30%	0,26%	17,47%	24,20%	13,04%	14,62%	12,55%
Leverage cap. adequacy	6,7 / 15,0%	6,4 / 15,7%	6,3 / 15,8%	6,2 / 16,2%	6,6 / 15,2%	6,7 / 15,0%	7,0 / 14,3%	6,8 / 14,7%	6,9 / 14,6%	6,8 / 14,7%	6,4 / 15,6%	6,6 / 15,2%
NIM	8,43%	8,63%	8,92%	0,00%	10,17%	10,33%	9,15%	10,54%	11,12%	10,70%	11,16%	11,16%
Return on assets	9,90%	10,10%	10,05%	0,00%	10,20%	10,43%	10,22%	10,34%	10,86%	11,12%	11,12%	11,12%
Cost of liabilities	5,97%	5,84%	5,74%	0,00%	6,07%	6,66%	7,02%	7,11%	7,29%	7,42%	7,35%	7,27%
Net spread	3,93%	4,26%	4,31%	0,00%	4,13%	3,77%	3,20%	3,23%	3,57%	3,70%	3,77%	3,85%
Cost / income	60,90%	58,14%	54,95%	0,00%	48,37%	42,28%	49,98%	44,62%	50,60%	52,17%	55,61%	47,76%
Cost of assets	3,99%	4,02%	3,76%	0,00%	3,79%	3,63%	3,46%	3,79%	4,46%	4,39%	4,97%	4,39%
Net assets	38 640 464	35 940 915	34 477 151	32 780 166	33 078 049	31 683 434	32 591 455	31 518 336	30 389 074	28 808 598	26 624 553	23 603 688
Average equity	5 789 556	5 650 039	5 445 341	5 311 074	5 029 000	4 764 239	4 662 685	4 625 221	4 424 421	4 239 132	4 143 261	3 594 929
Average % assets	34 756 938	32 742 347	31 682 697	30 128 545	30 443 401	29 228 597	30 123 181	29 019 573	27 761 979	26 179 347	23 827 925	21 394 365
Average % liabilities	30 640 818	28 170 539	26 927 848	25 325 468	25 740 225	24 485 661	25 298 321	24 138 928	23 350 798	22 033 678	20 082 183	18 234 287
NII	732 867	706 464	706 613	712 856	774 163	754 954	689 205	765 221	772 271	700 800	665 175	597 058
NCI	32 566	39 376	14 896	15 511	8 274	772	0	4 262	0	1 946	0	0
NCI / NII	4,4%	5,6%	2,1%	2,2%	1,1%	0,1%	0,0%	0,6%	0,0%	0,3%	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.