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Central Bank of Russia registration number: 2868  retail funding

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	2,43%	2,70%	1,12%	0,00%	2,65%	2,13%	1,94%	8,08%	-3,87%	-5,42%	-0,77%	-0,42%
RoE	10,47%	11,79%	5,06%	0,00%	11,74%	9,50%	8,18%	35,48%	-17,36%	-23,57%	-3,00%	-1,59%
Leverage cap. adequacy	4,3 / 23,2%	4,4 / 23,0%	4,5 / 22,3%	4,4 / 22,6%	4,4 / 22,6%	4,5 / 22,4%	4,2 / 23,7%	4,4 / 22,8%	4,5 / 22,3%	4,3 / 23,0%	3,9 / 25,9%	3,7 / 26,7%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,01%	1,74%	0,00%	0,00%	0,00%	0,00%
Return on assets	13,97%	14,07%	13,91%	0,00%	14,66%	14,82%	15,76%	15,73%	14,90%	14,72%	16,19%	16,71%
Cost of liabilities	18,22%	18,58%	16,08%	0,00%	10,97%	11,05%	10,76%	9,40%	14,95%	16,01%	17,89%	19,17%
Net spread	-4,25%	-4,51%	-2,17%	0,00%	3,69%	3,77%	5,00%	6,33%	-0,05%	-1,29%	-1,70%	-2,46%
Cost / income	0,00%	0,00%	0,00%	0,00%	0,00%	2576,92%	959,31%	314,42%	0,00%	0,00%	0,00%	0,00%
Cost of assets	6,92%	6,95%	7,31%	0,00%	9,27%	9,77%	10,93%	11,55%	10,96%	10,83%	12,15%	11,19%
Net assets	1 918 930	1 869 696	1 831 770	1 833 979	1 743 528	1 703 095	1 625 174	1 598 315	1 610 649	1 620 985	1 583 653	1 611 518
Average equity	445 967	429 183	408 434	415 274	393 639	382 041	385 776	363 988	359 499	372 777	409 975	430 817
Average % assets	1 486 655	1 442 929	1 418 909	1 382 042	1 280 598	1 247 745	1 148 153	1 145 294	1 180 472	1 181 401	1 068 718	1 103 490
Average % liabilities	1 437 657	1 406 224	1 387 350	1 381 442	1 315 046	1 285 757	1 204 796	1 193 514	1 203 119	1 198 910	1 134 774	1 140 633
NII	0	0	0	0	0	0	79	5 009	0	0	0	0
NCI	2 932	2 090	1 304	622	3 584	2 792	1 690	848	5 831	4 319	3 191	1 923
NCI / NII	-	-	-	-	-	-	2 139,2%	16,9%	-	-	-	-

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	1,82%	5,91%	-1,81%	0,00%	4,35%	2,68%	-4,05%	8,08%	0,86%	-14,74%	-1,12%	-0,42%
RoE	7,83%	25,75%	-8,13%	0,00%	19,30%	11,98%	-17,10%	35,48%	3,87%	-64,11%	-4,33%	-1,59%
Leverage cap. adequacy	4,3 / 23,2%	4,4 / 23,0%	4,5 / 22,3%	4,4 / 22,6%	4,4 / 22,6%	4,5 / 22,4%	4,2 / 23,7%	4,4 / 22,8%	4,5 / 22,3%	4,3 / 23,0%	3,9 / 25,9%	3,7 / 26,7%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	1,74%	0,00%	0,00%	0,00%	0,00%
Return on assets	14,91%	14,86%	14,15%	0,00%	15,29%	15,48%	15,82%	15,73%	15,42%	14,86%	15,13%	16,71%
Cost of liabilities	18,35%	23,99%	17,08%	0,00%	11,47%	12,97%	12,21%	9,40%	11,91%	14,18%	16,50%	19,17%
Net spread	-3,44%	-9,13%	-2,93%	0,00%	3,82%	2,51%	3,61%	6,33%	3,51%	0,68%	-1,37%	-2,46%
Cost / income	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	314,42%	10938,35%	0,00%	0,00%	0,00%
Cost of assets	7,55%	6,50%	7,62%	0,00%	8,64%	9,02%	10,58%	11,55%	11,29%	11,24%	12,41%	11,19%
Net assets	1 918 930	1 869 696	1 831 770	1 833 979	1 743 528	1 703 095	1 625 174	1 598 315	1 610 649	1 620 985	1 583 653	1 611 518
Average equity	445 967	429 183	408 434	415 274	393 639	382 041	385 776	363 988	359 499	372 777	409 975	430 817
Average % assets	1 486 655	1 442 929	1 418 909	1 382 042	1 280 598	1 247 745	1 148 153	1 145 294	1 180 472	1 181 401	1 068 718	1 103 490
Average % liabilities	1 437 657	1 406 224	1 387 350	1 381 442	1 315 046	1 285 757	1 204 796	1 193 514	1 203 119	1 198 910	1 134 774	1 140 633
NII	0	0	0	0	0	0	0	5 009	0	0	0	0
NCI	842	786	682	622	792	1 102	842	848	1 512	1 128	1 268	1 923
NCI / NII	-	-	-	-	-	-	-	16,9%	-	-	-	-

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.