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Central Bank of Russia registration number: 2880  CB RF representative, 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	2,03%	2,31%	3,03%	0,00%	0,68%	0,75%	2,10%	2,39%	1,41%	2,90%	4,18%	2,01%
RoE	11,87%	13,87%	19,62%	0,00%	4,58%	5,06%	15,16%	17,09%	9,47%	18,94%	27,58%	13,04%
Leverage cap. adequacy	5,9 / 17,1%	6,0 / 16,7%	6,5 / 15,5%	6,7 / 14,9%	6,7 / 14,9%	6,7 / 14,9%	7,2 / 13,9%	7,1 / 14,0%	6,7 / 14,9%	6,5 / 15,3%	6,6 / 15,2%	6,5 / 15,5%
NIM	5,98%	6,51%	6,95%	0,00%	3,99%	3,79%	3,66%	3,91%	8,50%	9,74%	13,20%	19,28%
Return on assets	8,78%	8,46%	8,23%	0,00%	8,48%	8,56%	8,32%	8,54%	12,69%	13,72%	15,32%	21,10%
Cost of liabilities	4,34%	3,85%	3,71%	0,00%	5,10%	5,30%	5,13%	5,59%	5,77%	5,86%	5,73%	5,53%
Net spread	4,44%	4,61%	4,52%	0,00%	3,38%	3,26%	3,19%	2,95%	6,92%	7,86%	9,59%	15,57%
Cost / income	72,58%	65,55%	60,61%	0,00%	107,57%	105,11%	92,51%	67,12%	59,37%	55,72%	42,83%	29,01%
Cost of assets	7,19%	6,87%	6,76%	0,00%	7,57%	7,01%	6,21%	4,96%	8,91%	7,95%	6,87%	5,98%
Net assets	18 388 090	18 537 788	18 888 074	19 208 340	18 978 981	19 275 357	20 804 647	20 210 044	19 094 887	19 130 282	19 458 896	20 182 827
Average equity	3 143 145	3 096 631	2 921 514	2 870 403	2 825 405	2 881 438	2 888 660	2 831 305	2 853 822	2 936 054	2 950 621	3 125 168
Average % assets	14 191 808	14 330 390	14 313 174	15 225 332	15 306 748	15 486 146	16 712 848	16 866 190	15 635 797	15 873 433	16 391 403	16 532 015
Average % liabilities	15 053 262	15 246 757	15 765 652	16 133 963	15 989 365	16 219 679	17 709 455	17 157 962	16 067 593	15 986 895	16 351 145	16 869 420
NII	848 713	700 712	497 958	157 633	612 118	440 876	306 597	165 059	1 330 148	1 160 566	1 081 863	797 086
NCI	394 252	287 434	186 555	81 319	327 636	241 416	159 887	78 785	255 456	169 190	35 691	53 776
NCI / NII	46,5%	41,0%	37,5%	51,6%	53,5%	54,8%	52,1%	47,7%	19,2%	14,6%	3,3%	6,7%

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	1,11%	0,76%	5,52%	0,00%	0,42%	-2,27%	1,88%	2,39%	-3,07%	0,21%	6,27%	2,01%
RoE	6,51%	4,58%	35,69%	0,00%	2,86%	-15,22%	13,58%	17,09%	-20,58%	1,39%	41,35%	13,04%
Leverage cap. adequacy	5,9 / 17,1%	6,0 / 16,7%	6,5 / 15,5%	6,7 / 14,9%	6,7 / 14,9%	6,7 / 14,9%	7,2 / 13,9%	7,1 / 14,0%	6,7 / 14,9%	6,5 / 15,3%	6,6 / 15,2%	6,5 / 15,5%
NIM	4,17%	5,65%	9,51%	0,00%	4,47%	3,46%	3,38%	3,91%	4,33%	1,98%	6,94%	19,28%
Return on assets	9,49%	8,93%	8,26%	0,00%	7,92%	7,72%	8,03%	8,54%	8,98%	9,51%	9,36%	21,10%
Cost of liabilities	5,69%	3,86%	3,51%	0,00%	4,30%	4,68%	4,85%	5,59%	5,61%	5,84%	5,76%	5,53%
Net spread	3,80%	5,07%	4,75%	0,00%	3,62%	3,04%	3,18%	2,95%	3,37%	3,67%	3,60%	15,57%
Cost / income	100,70%	77,51%	53,36%	0,00%	113,93%	138,06%	124,08%	67,12%	68,80%	97,35%	66,96%	29,01%
Cost of assets	7,98%	7,12%	7,87%	0,00%	8,97%	7,64%	7,42%	4,96%	11,52%	9,86%	7,82%	5,98%
Net assets	18 388 090	18 537 788	18 888 074	19 208 340	18 978 981	19 275 357	20 804 647	20 210 044	19 094 887	19 130 282	19 458 896	20 182 827
Average equity	3 143 145	3 096 631	2 921 514	2 870 403	2 825 405	2 881 438	2 888 660	2 831 305	2 853 822	2 936 054	2 950 621	3 125 168
Average % assets	14 191 808	14 330 390	14 313 174	15 225 332	15 306 748	15 486 146	16 712 848	16 866 190	15 635 797	15 873 433	16 391 403	16 532 015
Average % liabilities	15 053 262	15 246 757	15 765 652	16 133 963	15 989 365	16 219 679	17 709 455	17 157 962	16 067 593	15 986 895	16 351 145	16 869 420
NII	148 001	202 754	340 325	157 633	171 242	134 279	141 538	165 059	169 582	78 703	284 777	797 086
NCI	106 818	100 879	105 236	81 319	86 220	81 529	81 102	78 785	86 266	133 499	0	53 776
NCI / NII	72,2%	49,8%	30,9%	51,6%	50,3%	60,7%	57,3%	47,7%	50,9%	169,6%	0,0%	6,7%

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.