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Central Bank of Russia registration number: 2807  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	0,46%	0,32%	0,37%	0,00%	0,74%	0,58%	0,69%	0,59%	0,83%	0,52%	0,39%	0,68%
RoE	2,99%	2,12%	2,39%	0,00%	4,94%	3,87%	4,66%	4,09%	5,59%	3,52%	2,71%	4,69%
Leverage cap. adequacy	6,5 / 15,4%	6,5 / 15,5%	6,5 / 15,5%	6,4 / 15,5%	6,6 / 15,1%	6,7 / 15,0%	6,7 / 14,8%	6,9 / 14,6%	6,7 / 15,0%	6,7 / 14,8%	6,8 / 14,7%	6,9 / 14,6%
NIM	5,30%	5,34%	5,36%	0,00%	5,44%	5,09%	4,79%	4,44%	5,55%	5,73%	5,67%	6,29%
Return on assets	9,52%	9,46%	9,44%	0,00%	9,96%	10,06%	10,20%	10,38%	11,20%	11,23%	11,25%	11,67%
Cost of liabilities	5,02%	4,74%	4,67%	0,00%	5,36%	5,68%	6,09%	6,67%	6,74%	6,77%	6,62%	6,31%
Net spread	4,50%	4,72%	4,77%	0,00%	4,60%	4,38%	4,11%	3,71%	4,46%	4,46%	4,63%	5,36%
Cost / income	113,80%	107,48%	107,61%	0,00%	91,08%	94,85%	99,60%	95,49%	86,54%	81,53%	80,44%	73,96%
Cost of assets	7,39%	7,26%	7,12%	0,00%	6,60%	6,61%	6,71%	7,36%	7,34%	7,06%	6,90%	6,50%
Net assets	7 595 338	7 574 069	7 546 678	7 569 956	7 747 201	7 693 198	7 640 773	7 707 941	7 385 314	7 305 120	7 281 726	7 241 664
Average equity	1 173 358	1 172 041	1 168 171	1 175 464	1 168 971	1 155 356	1 132 330	1 124 077	1 107 420	1 082 477	1 067 450	1 055 697
Average % assets	6 628 689	6 654 987	6 700 789	6 777 511	6 932 528	6 876 160	6 800 337	6 787 915	6 663 070	6 687 152	6 723 152	6 735 416
Average % liabilities	6 071 648	6 066 500	6 073 788	6 127 324	6 312 430	6 262 503	6 212 998	6 281 846	6 190 778	6 145 476	6 121 564	6 082 663
NII	351 606	266 596	179 787	96 524	377 400	262 759	163 143	75 414	369 812	287 600	190 908	106 042
NCI	35 452	23 786	13 570	6 821	22 304	15 865	10 509	6 922	54 666	35 612	23 032	11 777
NCI / NII	10,1%	8,9%	7,5%	7,1%	5,9%	6,0%	6,4%	9,2%	14,8%	12,4%	12,1%	11,1%

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	0,86%	0,24%	0,51%	0,00%	1,25%	0,37%	0,78%	0,59%	1,80%	0,77%	0,11%	0,68%
RoE	5,59%	1,60%	3,31%	0,00%	8,29%	2,47%	5,27%	4,09%	12,06%	5,21%	0,78%	4,69%
Leverage cap. adequacy	6,5 / 15,4%	6,5 / 15,5%	6,5 / 15,5%	6,4 / 15,5%	6,6 / 15,1%	6,7 / 15,0%	6,7 / 14,8%	6,9 / 14,6%	6,7 / 15,0%	6,7 / 14,8%	6,8 / 14,7%	6,9 / 14,6%
NIM	5,12%	5,21%	4,97%	0,00%	6,61%	5,79%	5,16%	4,44%	4,93%	5,78%	5,04%	6,29%
Return on assets	9,56%	9,39%	9,38%	0,00%	9,93%	9,99%	10,05%	10,38%	11,00%	11,08%	10,81%	11,67%
Cost of liabilities	5,87%	4,86%	4,80%	0,00%	4,52%	4,96%	5,44%	6,67%	6,82%	7,10%	6,97%	6,31%
Net spread	3,69%	4,53%	4,58%	0,00%	5,41%	5,03%	4,61%	3,71%	4,18%	3,98%	3,84%	5,36%
Cost / income	136,72%	107,22%	108,58%	0,00%	81,59%	86,57%	105,06%	95,49%	103,09%	83,69%	87,28%	73,96%
Cost of assets	7,68%	7,44%	7,07%	0,00%	6,74%	6,59%	6,07%	7,36%	8,13%	7,29%	7,28%	6,50%
Net assets	7 595 338	7 574 069	7 546 678	7 569 956	7 747 201	7 693 198	7 640 773	7 707 941	7 385 314	7 305 120	7 281 726	7 241 664
Average equity	1 173 358	1 172 041	1 168 171	1 175 464	1 168 971	1 155 356	1 132 330	1 124 077	1 107 420	1 082 477	1 067 450	1 055 697
Average % assets	6 628 689	6 654 987	6 700 789	6 777 511	6 932 528	6 876 160	6 800 337	6 787 915	6 663 070	6 687 152	6 723 152	6 735 416
Average % liabilities	6 071 648	6 066 500	6 073 788	6 127 324	6 312 430	6 262 503	6 212 998	6 281 846	6 190 778	6 145 476	6 121 564	6 082 663
NII	85 010	86 809	83 263	96 524	114 641	99 616	87 729	75 414	82 212	96 692	84 866	106 042
NCI	11 666	10 216	6 749	6 821	6 439	5 356	3 587	6 922	19 054	12 580	11 255	11 777
NCI / NII	13,7%	11,8%	8,1%	7,1%	5,6%	5,4%	4,1%	9,2%	23,2%	13,0%	13,3%	11,1%

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.