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Central Bank of Russia registration number: 2964  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	1,12%	0,71%	0,72%	0,00%	1,33%	1,42%	2,34%	0,06%	0,57%	-1,17%	-1,78%	0,28%
RoE	5,63%	3,69%	3,93%	0,00%	7,22%	7,97%	13,02%	0,36%	3,13%	-6,72%	-10,27%	1,73%
Leverage cap. adequacy	5,0 / 20,0%	5,2 / 19,4%	5,4 / 18,5%	5,6 / 18,0%	5,4 / 18,4%	5,6 / 17,9%	5,6 / 18,0%	5,7 / 17,4%	5,5 / 18,2%	5,7 / 17,5%	5,8 / 17,3%	6,0 / 16,7%
NIM	6,30%	6,08%	5,76%	0,00%	4,98%	4,81%	4,90%	4,61%	7,58%	8,28%	9,59%	12,99%
Return on assets	8,45%	8,08%	7,65%	0,00%	7,61%	7,60%	7,92%	7,99%	10,63%	11,30%	12,68%	16,04%
Cost of liabilities	2,44%	2,25%	2,17%	0,00%	2,94%	3,02%	3,34%	3,69%	3,37%	3,36%	3,30%	3,21%
Net spread	6,01%	5,83%	5,48%	0,00%	4,67%	4,58%	4,58%	4,30%	7,26%	7,94%	9,38%	12,83%
Cost / income	93,39%	96,89%	97,75%	0,00%	100,34%	98,44%	100,72%	115,23%	89,66%	80,76%	71,96%	54,98%
Cost of assets	8,60%	8,13%	7,87%	0,00%	7,06%	6,86%	7,27%	8,02%	8,73%	8,68%	8,66%	8,04%
Net assets	3 150 163	3 305 169	3 401 761	3 598 493	3 594 261	3 670 491	3 557 991	3 466 906	3 273 116	3 241 263	3 285 130	3 521 909
Average equity	630 087	640 535	630 684	646 925	661 802	656 268	639 484	604 425	597 192	566 119	569 475	587 328
Average % assets	2 714 840	2 835 028	2 954 079	3 114 761	3 106 391	3 163 238	3 105 807	3 096 677	3 043 100	3 080 034	3 102 517	3 307 537
Average % liabilities	2 415 223	2 555 243	2 655 841	2 824 210	2 799 098	2 877 614	2 765 318	2 728 283	2 641 816	2 636 775	2 677 884	2 894 996
NII	171 118	129 278	85 190	40 880	154 878	114 341	76 151	35 719	230 683	191 494	148 810	107 472
NCI	48 838	34 426	21 672	10 102	42 344	30 875	19 902	11 365	52 118	37 120	25 081	12 243
NCI / NII	28,5%	26,6%	25,4%	24,7%	27,3%	27,0%	26,1%	31,8%	22,6%	19,4%	16,9%	11,4%

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	2,25%	0,64%	1,21%	0,00%	0,95%	-0,26%	4,61%	0,06%	5,77%	0,08%	-3,87%	0,28%
RoE	11,28%	3,34%	6,53%	0,00%	5,19%	-1,46%	25,69%	0,36%	31,65%	0,50%	-22,34%	1,73%
Leverage cap. adequacy	5,0 / 20,0%	5,2 / 19,4%	5,4 / 18,5%	5,6 / 18,0%	5,4 / 18,4%	5,6 / 17,9%	5,6 / 18,0%	5,7 / 17,4%	5,5 / 18,2%	5,7 / 17,5%	5,8 / 17,3%	6,0 / 16,7%
NIM	6,16%	6,22%	5,99%	0,00%	5,21%	4,82%	5,20%	4,61%	5,15%	5,54%	5,32%	12,99%
Return on assets	8,48%	8,31%	7,70%	0,00%	7,22%	7,23%	7,87%	7,99%	8,21%	8,36%	8,25%	16,04%
Cost of liabilities	2,63%	2,24%	2,09%	0,00%	2,43%	2,65%	3,03%	3,69%	3,42%	3,38%	3,13%	3,21%
Net spread	5,85%	6,07%	5,61%	0,00%	4,79%	4,58%	4,84%	4,30%	4,79%	4,98%	5,12%	12,83%
Cost / income	84,72%	95,15%	89,62%	0,00%	106,06%	93,76%	87,66%	115,23%	132,76%	107,66%	104,54%	54,98%
Cost of assets	8,95%	7,99%	7,78%	0,00%	7,46%	6,43%	6,66%	8,02%	8,85%	8,55%	8,62%	8,04%
Net assets	3 150 163	3 305 169	3 401 761	3 598 493	3 594 261	3 670 491	3 557 991	3 466 906	3 273 116	3 241 263	3 285 130	3 521 909
Average equity	630 087	640 535	630 684	646 925	661 802	656 268	639 484	604 425	597 192	566 119	569 475	587 328
Average % assets	2 714 840	2 835 028	2 954 079	3 114 761	3 106 391	3 163 238	3 105 807	3 096 677	3 043 100	3 080 034	3 102 517	3 307 537
Average % liabilities	2 415 223	2 555 243	2 655 841	2 824 210	2 799 098	2 877 614	2 765 318	2 728 283	2 641 816	2 636 775	2 677 884	2 894 996
NII	41 840	44 088	44 310	40 880	40 537	38 190	40 432	35 719	39 189	42 684	41 338	107 472
NCI	14 412	12 754	11 570	10 102	11 469	10 973	8 537	11 365	14 998	12 039	12 838	12 243
NCI / NII	34,4%	28,9%	26,1%	24,7%	28,3%	28,7%	21,1%	31,8%	38,3%	28,2%	31,1%	11,4%

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.