Mailing list archive

	MOSKOVSKIY KOMMERCHESKIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 3172

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	1,18%	0,64%	0,47%	0,00%	1,35%	0,94%	0,42%	0,84%	3,94%	3,69%	3,50%	9,66%
RoE	3,79%	1,89%	1,47%	0,00%	4,85%	3,46%	1,47%	3,08%	13,87%	12,79%	11,81%	30,40%
Leverage cap. adequacy	3,2 / 31,2%	3,0 / 33,7%	3,1 / 32,4%	3,4 / 29,6%	3,6 / 27,9%	3,7 / 27,1%	3,5 / 28,7%	3,7 / 27,2%	3,5 / 28,4%	3,5 / 28,9%	3,4 / 29,7%	3,1 / 31,8%
NIM	5,98%	6,07%	5,63%	0,00%	5,40%	5,57%	6,13%	6,05%	6,50%	7,02%	7,70%	7,67%
Return on assets	6,66%	6,84%	6,37%	0,00%	6,88%	7,07%	7,73%	7,58%	8,04%	8,59%	9,24%	9,10%
Cost of liabilities	1,12%	1,19%	1,21%	0,00%	1,72%	1,82%	2,09%	2,03%	2,03%	2,05%	1,98%	1,94%
Net spread	5,54%	5,65%	5,16%	0,00%	5,16%	5,25%	5,64%	5,55%	6,01%	6,54%	7,26%	7,16%
Cost / income	69,94%	78,56%	82,73%	0,00%	75,10%	74,74%	77,13%	79,88%	63,25%	65,47%	67,58%	72,55%
Cost of assets	6,67%	7,55%	7,65%	0,00%	6,31%	6,29%	6,79%	7,06%	5,88%	6,39%	7,08%	7,43%
Net assets	3 895 905	3 594 894	3 738 220	4 107 146	4 331 761	4 356 873	4 194 389	4 427 882	4 148 746	3 981 615	3 824 524	3 787 846
Average equity	1 216 514	1 212 786	1 212 943	1 216 839	1 208 002	1 181 753	1 202 816	1 205 403	1 179 696	1 149 722	1 136 292	1 203 496
Average % assets	3 066 851	2 736 147	2 792 135	3 094 589	3 301 439	3 406 895	3 323 214	3 684 766	3 406 421	3 174 851	2 931 830	2 931 843
Average % liabilities	2 590 905	2 288 428	2 419 988	2 770 305	3 000 875	3 050 879	2 854 765	3 107 603	2 919 195	2 790 748	2 650 704	2 549 303
NII	183 443	124 616	78 658	36 559	178 440	142 417	101 995	55 824	221 758	167 232	112 925	56 279
NCI	94 474	62 027	41 941	22 516	85 107	63 096	38 964	23 817	68 428	45 362	26 609	11 981
NCI / NII	51,5%	49,8%	53,3%	61,6%	47,7%	44,3%	38,2%	42,7%	30,9%	27,1%	23,6%	21,3%

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	2,97%	0,92%	0,86%	0,00%	2,57%	2,00%	-0,04%	0,84%	5,14%	4,34%	-2,54%	9,66%
RoE	9,51%	2,75%	2,66%	0,00%	9,24%	7,40%	-0,15%	3,08%	18,08%	15,03%	-8,57%	30,40%
Leverage cap. adequacy	3,2 / 31,2%	3,0 / 33,7%	3,1 / 32,4%	3,4 / 29,6%	3,6 / 27,9%	3,7 / 27,1%	3,5 / 28,7%	3,7 / 27,2%	3,5 / 28,4%	3,5 / 28,9%	3,4 / 29,7%	3,1 / 31,8%
NIM	7,67%	6,71%	6,03%	0,00%	4,36%	4,74%	5,55%	6,05%	6,40%	6,84%	7,72%	7,67%
Return on assets	8,32%	7,53%	6,54%	0,00%	5,64%	6,15%	7,05%	7,58%	8,14%	8,71%	9,38%	9,10%
Cost of liabilities	1,32%	1,03%	1,03%	0,00%	1,34%	1,55%	1,97%	2,03%	2,26%	2,38%	2,09%	1,94%
Net spread	7,00%	6,50%	5,51%	0,00%	4,30%	4,60%	5,08%	5,55%	5,88%	6,33%	7,29%	7,16%
Cost / income	52,07%	70,79%	78,54%	0,00%	76,30%	69,59%	73,64%	79,88%	57,29%	61,45%	62,83%	72,55%
Cost of assets	6,46%	7,12%	7,40%	0,00%	5,85%	5,56%	5,72%	7,06%	5,78%	6,20%	6,73%	7,43%
Net assets	3 895 905	3 594 894	3 738 220	4 107 146	4 331 761	4 356 873	4 194 389	4 427 882	4 148 746	3 981 615	3 824 524	3 787 846
Average equity	1 216 514	1 212 786	1 212 943	1 216 839	1 208 002	1 181 753	1 202 816	1 205 403	1 179 696	1 149 722	1 136 292	1 203 496
Average % assets	3 066 851	2 736 147	2 792 135	3 094 589	3 301 439	3 406 895	3 323 214	3 684 766	3 406 421	3 174 851	2 931 830	2 931 843
Average % liabilities	2 590 905	2 288 428	2 419 988	2 770 305	3 000 875	3 050 879	2 854 765	3 107 603	2 919 195	2 790 748	2 650 704	2 549 303
NII	58 827	45 958	42 099	36 559	36 023	40 422	46 171	55 824	54 526	54 307	56 646	56 279
NCI	32 447	20 086	19 425	22 516	22 011	24 132	15 147	23 817	23 066	18 753	14 628	11 981
NCI / NII	55,2%	43,7%	46,1%	61,6%	61,1%	59,7%	32,8%	42,7%	42,3%	34,5%	25,8%	21,3%

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.