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Central Bank of Russia registration number: 2998  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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%	2,39%	2,84%	0,00%	3,48%	3,77%	4,05%	3,10%	3,08%	3,27%	3,24%	3,34%
RoE	13,41%	14,61%	15,06%	0,00%	16,54%	17,04%	18,67%	14,92%	15,39%	17,07%	18,44%	18,56%
Leverage cap. adequacy	6,6 / 15,2%	6,1 / 16,4%	5,3 / 18,9%	4,8 / 20,9%	4,7 / 21,1%	4,5 / 22,2%	4,6 / 21,7%	4,8 / 20,8%	5,0 / 20,0%	5,2 / 19,2%	5,7 / 17,6%	5,6 / 18,0%
NIM	6,12%	6,44%	7,54%	0,00%	7,36%	7,32%	7,18%	7,61%	8,26%	7,68%	7,54%	7,72%
Return on assets	8,50%	8,62%	9,83%	0,00%	10,05%	10,22%	10,11%	11,12%	12,23%	11,65%	10,87%	11,45%
Cost of liabilities	3,13%	2,94%	3,08%	0,00%	4,00%	4,33%	4,38%	4,76%	5,14%	5,01%	4,61%	4,72%
Net spread	5,37%	5,68%	6,75%	0,00%	6,05%	5,89%	5,73%	6,36%	7,09%	6,64%	6,26%	6,73%
Cost / income	48,63%	46,92%	46,22%	0,00%	38,18%	35,47%	29,33%	30,28%	40,36%	38,95%	38,77%	36,62%
Cost of assets	4,03%	4,16%	4,87%	0,00%	4,33%	4,09%	3,50%	3,44%	4,17%	3,84%	3,49%	3,33%
Net assets	154 609 925	141 059 639	117 460 065	103 618 774	99 431 682	96 137 300	97 689 532	86 053 395	82 829 579	84 391 851	87 722 411	81 813 644
Average equity	23 470 519	23 149 377	22 205 154	21 628 113	20 969 032	21 295 614	21 218 461	17 888 840	16 586 704	16 196 725	15 430 078	14 725 982
Average % assets	140 746 020	128 120 147	105 109 438	91 198 018	87 895 367	85 297 854	85 181 573	71 803 846	67 579 135	71 505 473	77 023 771	72 490 098
Average % liabilities	128 770 457	115 707 031	93 066 244	79 734 187	76 400 621	72 590 108	73 749 957	66 148 908	64 717 954	66 759 383	70 730 931	65 294 036
NII	8 620 522	6 192 769	3 967 541	1 906 139	6 475 921	4 686 704	3 059 641	1 366 567	5 587 850	4 122 493	2 906 035	1 399 714
NCI	2 091 269	1 514 140	1 015 618	610 709	1 095 781	855 580	461 913	205 155	673 686	418 658	227 865	87 079
NCI / NII	24,3%	24,5%	25,6%	32,0%	16,9%	18,3%	15,1%	15,0%	12,1%	10,2%	7,8%	6,2%

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	1,57%	2,45%	1,94%	0,00%	3,00%	3,08%	5,37%	3,10%	2,31%	3,08%	3,37%	3,34%
RoE	10,40%	14,94%	10,28%	0,00%	14,22%	13,92%	24,76%	14,92%	11,57%	16,08%	19,16%	18,56%
Leverage cap. adequacy	6,6 / 15,2%	6,1 / 16,4%	5,3 / 18,9%	4,8 / 20,9%	4,7 / 21,1%	4,5 / 22,2%	4,6 / 21,7%	4,8 / 20,8%	5,0 / 20,0%	5,2 / 19,2%	5,7 / 17,6%	5,6 / 18,0%
NIM	6,89%	6,94%	7,84%	0,00%	8,14%	7,63%	7,95%	7,61%	8,67%	6,80%	7,82%	7,72%
Return on assets	10,43%	9,75%	10,44%	0,00%	10,47%	10,47%	10,84%	11,12%	11,94%	11,53%	10,96%	11,45%
Cost of liabilities	4,60%	3,88%	3,37%	0,00%	3,66%	4,10%	4,49%	4,76%	5,03%	5,28%	4,86%	4,72%
Net spread	5,83%	5,87%	7,07%	0,00%	6,81%	6,37%	6,35%	6,36%	6,91%	6,25%	6,10%	6,73%
Cost / income	53,25%	48,20%	50,74%	0,00%	45,89%	49,18%	28,68%	30,28%	44,84%	39,30%	40,71%	36,62%
Cost of assets	4,78%	4,54%	5,28%	0,00%	5,41%	5,26%	4,07%	3,44%	4,44%	3,99%	3,85%	3,33%
Net assets	154 609 925	141 059 639	117 460 065	103 618 774	99 431 682	96 137 300	97 689 532	86 053 395	82 829 579	84 391 851	87 722 411	81 813 644
Average equity	23 470 519	23 149 377	22 205 154	21 628 113	20 969 032	21 295 614	21 218 461	17 888 840	16 586 704	16 196 725	15 430 078	14 725 982
Average % assets	140 746 020	128 120 147	105 109 438	91 198 018	87 895 367	85 297 854	85 181 573	71 803 846	67 579 135	71 505 473	77 023 771	72 490 098
Average % liabilities	128 770 457	115 707 031	93 066 244	79 734 187	76 400 621	72 590 108	73 749 957	66 148 908	64 717 954	66 759 383	70 730 931	65 294 036
NII	2 427 753	2 225 228	2 061 402	1 906 139	1 789 217	1 627 063	1 693 074	1 366 567	1 465 357	1 216 458	1 506 321	1 399 714
NCI	577 129	498 522	404 909	610 709	240 201	393 667	256 758	205 155	255 028	190 793	140 786	87 079
NCI / NII	23,8%	22,4%	19,6%	32,0%	13,4%	24,2%	15,2%	15,0%	17,4%	15,7%	9,3%	6,2%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.