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Central Bank of Russia registration number: 3124  CB RF representative, 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	0,18%	0,75%	0,44%	0,00%	0,50%	0,69%	0,64%	1,22%	0,25%	0,41%	0,79%	3,72%
RoE	1,43%	5,76%	3,59%	0,00%	3,82%	5,09%	4,78%	9,34%	1,94%	3,13%	5,73%	27,07%
Leverage cap. adequacy	7,8 / 12,8%	7,6 / 13,1%	8,0 / 12,5%	7,6 / 13,1%	7,6 / 13,1%	7,4 / 13,5%	7,4 / 13,6%	7,6 / 13,1%	7,6 / 13,1%	7,5 / 13,3%	7,2 / 13,8%	7,3 / 13,8%
NIM	2,52%	2,47%	2,40%	0,00%	2,98%	3,30%	2,91%	2,99%	2,99%	3,61%	3,55%	3,67%
Return on assets	6,08%	5,82%	5,53%	0,00%	5,97%	6,22%	6,51%	6,92%	7,48%	7,78%	7,52%	7,59%
Cost of liabilities	4,10%	3,93%	3,70%	0,00%	4,06%	4,26%	4,56%	4,39%	4,64%	4,75%	4,79%	4,70%
Net spread	1,98%	1,89%	1,83%	0,00%	1,91%	1,96%	1,95%	2,53%	2,84%	3,03%	2,73%	2,89%
Cost / income	105,06%	92,87%	102,10%	0,00%	70,23%	65,20%	78,03%	75,80%	89,50%	81,92%	85,34%	74,48%
Cost of assets	4,03%	3,76%	3,59%	0,00%	3,86%	3,93%	4,12%	4,30%	4,85%	4,92%	5,00%	4,59%
Net assets	31 016 900	31 911 124	33 073 503	32 270 119	32 585 253	31 982 432	31 411 053	31 595 539	31 734 689	31 281 435	30 936 167	31 197 591
Average equity	3 962 446	4 190 050	4 130 616	4 222 426	4 283 473	4 330 787	4 265 240	4 131 490	4 155 534	4 173 698	4 270 914	4 289 868
Average % assets	27 242 815	28 340 559	29 458 907	28 437 618	28 921 235	28 078 492	27 507 089	27 183 674	28 062 000	27 613 693	27 738 939	27 693 056
Average % liabilities	26 387 141	27 099 466	28 334 402	27 432 984	27 669 359	27 050 050	26 539 518	26 817 956	27 041 328	26 633 356	26 270 963	26 635 540
NII	689 042	526 734	354 666	161 271	863 414	695 175	401 366	203 753	840 957	748 448	493 382	254 175
NCI	355 371	251 198	155 754	69 432	382 333	263 080	169 313	85 645	335 769	227 416	142 953	69 483
NCI / NII	51,6%	47,7%	43,9%	43,1%	44,3%	37,8%	42,2%	42,0%	39,9%	30,4%	29,0%	27,3%

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	-1,60%	1,34%	0,56%	0,00%	-0,01%	0,79%	0,07%	1,22%	-0,21%	-0,31%	-2,17%	3,72%
RoE	-12,56%	10,20%	4,51%	0,00%	-0,14%	5,86%	0,52%	9,34%	-1,67%	-2,32%	-15,72%	27,07%
Leverage cap. adequacy	7,8 / 12,8%	7,6 / 13,1%	8,0 / 12,5%	7,6 / 13,1%	7,6 / 13,1%	7,4 / 13,5%	7,4 / 13,6%	7,6 / 13,1%	7,6 / 13,1%	7,5 / 13,3%	7,2 / 13,8%	7,3 / 13,8%
NIM	2,38%	2,42%	2,62%	0,00%	2,32%	4,18%	2,87%	2,99%	1,31%	3,69%	3,44%	3,67%
Return on assets	6,15%	5,95%	5,80%	0,00%	5,74%	5,91%	6,19%	6,92%	6,97%	8,22%	7,47%	7,59%
Cost of liabilities	4,31%	4,04%	3,77%	0,00%	3,77%	3,82%	4,68%	4,39%	4,52%	4,79%	4,82%	4,70%
Net spread	1,84%	1,91%	2,03%	0,00%	1,97%	2,09%	1,51%	2,53%	2,45%	3,43%	2,65%	2,89%
Cost / income	162,31%	78,93%	108,63%	0,00%	89,92%	48,20%	80,56%	75,80%	122,67%	75,43%	97,46%	74,48%
Cost of assets	4,37%	3,82%	3,78%	0,00%	4,03%	3,75%	4,00%	4,30%	4,94%	4,69%	5,39%	4,59%
Net assets	31 016 900	31 911 124	33 073 503	32 270 119	32 585 253	31 982 432	31 411 053	31 595 539	31 734 689	31 281 435	30 936 167	31 197 591
Average equity	3 962 446	4 190 050	4 130 616	4 222 426	4 283 473	4 330 787	4 265 240	4 131 490	4 155 534	4 173 698	4 270 914	4 289 868
Average % assets	27 242 815	28 340 559	29 458 907	28 437 618	28 921 235	28 078 492	27 507 089	27 183 674	28 062 000	27 613 693	27 738 939	27 693 056
Average % liabilities	26 387 141	27 099 466	28 334 402	27 432 984	27 669 359	27 050 050	26 539 518	26 817 956	27 041 328	26 633 356	26 270 963	26 635 540
NII	162 308	172 068	193 395	161 271	168 239	293 809	197 613	203 753	92 509	255 066	239 207	254 175
NCI	104 173	95 444	86 322	69 432	119 253	93 767	83 668	85 645	108 353	84 463	73 470	69 483
NCI / NII	64,2%	55,5%	44,6%	43,1%	70,9%	31,9%	42,3%	42,0%	117,1%	33,1%	30,7%	27,3%

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.