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Central Bank of Russia registration number: 3235  ausländisch beherrschten, 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	0,00%	1,61%	1,37%	0,00%	0,93%	0,88%	1,22%	0,87%	1,00%	0,98%	0,97%	0,91%
RoE	0,00%	11,81%	11,40%	0,00%	12,80%	12,33%	11,14%	9,24%	10,37%	10,37%	9,90%	9,04%
Leverage cap. adequacy	5,9 / 17,0%	7,3 / 13,7%	8,3 / 12,0%	9,9 / 10,1%	13,8 / 7,3%	14,0 / 7,2%	9,1 / 11,0%	10,6 / 9,5%	10,3 / 9,7%	10,5 / 9,5%	10,2 / 9,8%	9,9 / 10,1%
NIM	2,05%	1,78%	1,55%	0,00%	0,96%	0,75%	0,87%	0,61%	0,55%	0,46%	0,38%	0,83%
Return on assets	6,16%	5,57%	5,76%	0,00%	3,95%	3,64%	6,61%	5,71%	6,53%	6,26%	6,29%	6,51%
Cost of liabilities	3,87%	3,97%	3,33%	0,00%	2,79%	2,88%	4,55%	4,50%	5,70%	5,76%	5,98%	5,89%
Net spread	2,29%	1,60%	2,43%	0,00%	1,16%	0,76%	2,06%	1,21%	0,83%	0,50%	0,31%	0,62%
Cost / income	23,00%	25,08%	26,91%	0,00%	24,72%	26,01%	28,89%	30,58%	29,03%	29,08%	32,49%	35,38%
Cost of assets	0,81%	0,78%	0,94%	0,00%	0,43%	0,41%	0,87%	0,67%	0,61%	0,57%	0,64%	0,70%
Net assets	53 442 395	47 591 720	52 567 555	60 863 401	82 048 378	79 895 162	50 414 378	57 044 204	54 478 312	53 833 489	50 658 123	47 687 108
Average equity	9 105 003	6 517 099	6 319 439	6 142 301	5 965 374	5 726 617	5 553 530	5 404 030	5 265 470	5 106 163	4 973 548	4 835 756
Average % assets	40 584 090	41 763 053	35 626 673	40 010 233	70 194 709	73 153 741	35 084 444	45 332 375	46 636 291	48 164 491	45 999 585	44 206 395
Average % liabilities	43 759 889	40 559 641	45 983 929	54 450 039	75 745 906	73 772 008	44 471 854	51 378 997	48 990 721	48 512 994	45 492 126	42 671 914
NII	835 922	559 892	276 934	118 510	676 826	411 506	152 707	69 381	257 813	167 382	89 644	92 170
NCI	91 518	71 971	47 759	22 359	40 224	24 257	18 283	10 024	28 452	15 823	8 640	4 693
NCI / NII	10,9%	12,9%	17,2%	18,9%	5,9%	5,9%	12,0%	14,4%	11,0%	9,5%	9,6%	5,1%

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	-4,32%	1,82%	1,43%	0,00%	1,14%	1,10%	1,46%	0,87%	1,09%	1,12%	1,08%	0,91%
RoE	-25,36%	13,32%	11,89%	0,00%	15,69%	15,38%	13,29%	9,24%	11,30%	11,85%	11,00%	9,04%
Leverage cap. adequacy	5,9 / 17,0%	7,3 / 13,7%	8,3 / 12,0%	9,9 / 10,1%	13,8 / 7,3%	14,0 / 7,2%	9,1 / 11,0%	10,6 / 9,5%	10,3 / 9,7%	10,5 / 9,5%	10,2 / 9,8%	9,9 / 10,1%
NIM	2,72%	2,71%	1,77%	0,00%	1,51%	1,41%	0,95%	0,61%	0,77%	0,64%	0,00%	0,83%
Return on assets	7,47%	6,88%	6,06%	0,00%	4,43%	4,57%	5,84%	5,71%	6,74%	6,76%	6,33%	6,51%
Cost of liabilities	4,45%	4,35%	3,37%	0,00%	2,76%	3,16%	3,89%	4,50%	5,68%	6,08%	6,43%	5,89%
Net spread	3,02%	2,53%	2,69%	0,00%	1,67%	1,41%	1,95%	1,21%	1,06%	0,68%	-0,10%	0,62%
Cost / income	18,56%	21,83%	26,77%	0,00%	21,58%	21,50%	27,36%	30,58%	28,90%	23,03%	29,79%	35,38%
Cost of assets	0,84%	0,73%	0,94%	0,00%	0,44%	0,39%	0,86%	0,67%	0,68%	0,49%	0,61%	0,70%
Net assets	53 442 395	47 591 720	52 567 555	60 863 401	82 048 378	79 895 162	50 414 378	57 044 204	54 478 312	53 833 489	50 658 123	47 687 108
Average equity	9 105 003	6 517 099	6 319 439	6 142 301	5 965 374	5 726 617	5 553 530	5 404 030	5 265 470	5 106 163	4 973 548	4 835 756
Average % assets	40 584 090	41 763 053	35 626 673	40 010 233	70 194 709	73 153 741	35 084 444	45 332 375	46 636 291	48 164 491	45 999 585	44 206 395
Average % liabilities	43 759 889	40 559 641	45 983 929	54 450 039	75 745 906	73 772 008	44 471 854	51 378 997	48 990 721	48 512 994	45 492 126	42 671 914
NII	276 030	282 958	158 424	118 510	265 320	258 799	83 326	69 381	90 431	77 738	0	92 170
NCI	19 547	24 212	25 400	22 359	15 967	5 974	8 259	10 024	12 629	7 183	3 947	4 693
NCI / NII	7,1%	8,6%	16,0%	18,9%	6,0%	2,3%	9,9%	14,4%	14,0%	9,2%	-	5,1%

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.