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Central Bank of Russia registration number: 3166  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

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	10,20%	10,80%	9,11%	0,00%	8,13%	8,85%	6,71%	3,35%	10,42%	13,04%	13,33%	19,18%
RoE	37,38%	33,98%	28,55%	0,00%	27,16%	26,04%	20,66%	11,88%	35,53%	40,70%	45,05%	69,13%
Leverage cap. adequacy	3,7 / 27,3%	3,1 / 31,8%	3,1 / 31,9%	3,4 / 29,2%	3,3 / 29,9%	2,9 / 34,0%	3,1 / 32,5%	3,5 / 28,2%	3,4 / 29,3%	3,1 / 32,0%	3,4 / 29,6%	3,6 / 27,7%
NIM	3,73%	3,66%	3,41%	0,00%	3,44%	3,80%	4,30%	4,27%	4,69%	5,47%	5,58%	5,67%
Return on assets	3,80%	3,75%	3,50%	0,00%	3,59%	3,97%	4,49%	4,47%	4,80%	5,59%	5,69%	5,76%
Cost of liabilities	0,09%	0,14%	0,14%	0,00%	0,20%	0,28%	0,27%	0,25%	0,16%	0,20%	0,16%	0,12%
Net spread	3,71%	3,61%	3,36%	0,00%	3,39%	3,69%	4,22%	4,22%	4,64%	5,39%	5,53%	5,64%
Cost / income	16,55%	18,43%	18,32%	0,00%	18,67%	15,85%	16,64%	13,73%	19,16%	16,04%	17,73%	13,62%
Cost of assets	3,55%	4,07%	3,88%	0,00%	3,84%	3,55%	3,40%	2,98%	3,99%	4,30%	4,43%	3,24%
Net assets	61 131 796	51 493 199	50 958 839	54 803 323	54 468 802	47 419 205	47 296 465	51 918 574	47 491 364	40 724 050	41 743 255	42 403 451
Average equity	16 691 045	16 365 378	16 274 381	15 975 713	16 311 851	16 129 537	15 374 865	14 662 143	13 930 781	13 049 256	12 357 532	11 765 474
Average % assets	47 411 796	42 471 463	40 351 393	40 515 637	40 337 548	38 106 917	36 826 362	40 338 282	40 389 747	35 134 551	34 516 240	33 597 928
Average % liabilities	33 984 934	24 914 493	25 234 966	30 934 721	29 722 151	22 970 513	25 154 067	31 038 309	26 578 398	20 560 764	22 767 809	24 419 372
NII	1 772 872	1 168 252	688 677	313 589	1 389 467	1 087 368	792 578	431 312	1 896 054	1 442 689	963 894	476 930
NCI	2 963 025	1 935 808	1 215 169	602 505	1 615 800	1 189 505	629 070	319 175	660 020	716 182	499 856	358 554
NCI / NII	167,1%	165,7%	176,4%	192,1%	116,3%	109,4%	79,4%	74,0%	34,8%	49,6%	51,9%	75,2%

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	13,53%	14,35%	6,61%	0,00%	9,39%	13,17%	9,75%	3,35%	8,14%	11,78%	7,19%	19,18%
RoE	49,56%	45,17%	20,70%	0,00%	31,38%	38,73%	30,00%	11,88%	27,77%	36,77%	24,29%	69,13%
Leverage cap. adequacy	3,7 / 27,3%	3,1 / 31,8%	3,1 / 31,9%	3,4 / 29,2%	3,3 / 29,9%	2,9 / 34,0%	3,1 / 32,5%	3,5 / 28,2%	3,4 / 29,3%	3,1 / 32,0%	3,4 / 29,6%	3,6 / 27,7%
NIM	5,10%	4,51%	3,71%	0,00%	2,99%	3,09%	3,92%	4,27%	4,48%	5,45%	5,64%	5,67%
Return on assets	5,15%	4,58%	3,80%	0,00%	3,11%	3,24%	4,08%	4,47%	4,60%	5,59%	5,77%	5,76%
Cost of liabilities	0,07%	0,12%	0,14%	0,00%	0,16%	0,24%	0,24%	0,25%	0,17%	0,24%	0,20%	0,12%
Net spread	5,08%	4,46%	3,66%	0,00%	2,95%	3,00%	3,84%	4,22%	4,43%	5,35%	5,57%	5,64%
Cost / income	12,53%	18,60%	21,79%	0,00%	28,23%	14,71%	20,76%	13,73%	34,52%	13,37%	21,26%	13,62%
Cost of assets	3,44%	4,86%	4,62%	0,00%	5,29%	4,06%	3,51%	2,98%	4,85%	4,16%	5,72%	3,24%
Net assets	61 131 796	51 493 199	50 958 839	54 803 323	54 468 802	47 419 205	47 296 465	51 918 574	47 491 364	40 724 050	41 743 255	42 403 451
Average equity	16 691 045	16 365 378	16 274 381	15 975 713	16 311 851	16 129 537	15 374 865	14 662 143	13 930 781	13 049 256	12 357 532	11 765 474
Average % assets	47 411 796	42 471 463	40 351 393	40 515 637	40 337 548	38 106 917	36 826 362	40 338 282	40 389 747	35 134 551	34 516 240	33 597 928
Average % liabilities	33 984 934	24 914 493	25 234 966	30 934 721	29 722 151	22 970 513	25 154 067	31 038 309	26 578 398	20 560 764	22 767 809	24 419 372
NII	604 620	479 575	375 088	313 589	302 099	294 790	361 266	431 312	453 365	478 795	486 964	476 930
NCI	1 027 217	720 639	612 664	602 505	426 295	560 435	309 895	319 175	0	216 326	141 302	358 554
NCI / NII	169,9%	150,3%	163,3%	192,1%	141,1%	190,1%	85,8%	74,0%	0,0%	45,2%	29,0%	75,2%

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 - 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.