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Central Bank of Russia registration number: 3245  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	-5,41%	-6,97%	-11,97%	0,00%	-1,62%	-2,16%	-2,61%	-2,41%	-0,51%	-1,08%	-0,09%	2,62%
RoE	-33,27%	-42,18%	-69,69%	0,00%	-9,20%	-12,76%	-13,69%	-11,80%	-2,76%	-6,62%	-0,57%	17,20%
Leverage cap. adequacy	6,1 / 16,3%	6,1 / 16,5%	5,8 / 17,2%	5,5 / 18,3%	5,7 / 17,6%	5,9 / 17,0%	5,2 / 19,1%	4,9 / 20,5%	5,4 / 18,5%	6,1 / 16,4%	6,2 / 16,1%	6,5 / 15,3%
NIM	13,45%	13,37%	10,53%	0,00%	6,39%	5,55%	6,19%	6,38%	6,39%	5,58%	5,36%	5,55%
Return on assets	14,17%	13,16%	10,42%	0,00%	9,28%	8,69%	9,88%	10,20%	11,80%	10,58%	10,29%	10,33%
Cost of liabilities	2,70%	2,64%	2,55%	0,00%	3,37%	3,41%	3,93%	4,33%	5,99%	5,49%	5,32%	5,12%
Net spread	11,47%	10,52%	7,87%	0,00%	5,91%	5,28%	5,95%	5,87%	5,81%	5,09%	4,97%	5,21%
Cost / income	173,86%	193,67%	277,17%	0,00%	117,11%	130,35%	136,93%	132,29%	118,88%	130,83%	132,92%	118,85%
Cost of assets	24,05%	26,60%	28,36%	0,00%	11,90%	11,05%	12,68%	12,79%	12,30%	10,54%	10,11%	9,39%
Net assets	5 160 264	5 057 659	4 823 369	4 723 824	5 002 085	5 262 232	4 832 436	4 689 692	5 253 469	6 037 940	6 428 428	6 668 956
Average equity	839 630	835 843	828 895	865 256	880 432	893 841	922 073	961 306	971 476	991 594	1 032 447	1 018 354
Average % assets	2 906 908	2 955 286	3 386 563	3 524 497	3 799 409	4 020 306	3 522 679	3 504 290	4 253 206	4 993 457	5 320 996	5 498 249
Average % liabilities	4 202 242	4 123 212	3 908 686	3 762 476	4 011 619	4 254 721	3 800 786	3 631 003	4 201 736	4 936 642	5 268 906	5 509 428
NII	391 030	296 454	178 431	58 876	242 935	167 531	109 078	55 952	271 945	209 046	142 746	76 331
NCI	100 065	74 795	50 702	22 589	92 472	66 172	40 368	21 913	110 240	78 398	55 287	30 151
NCI / NII	25,6%	25,2%	28,4%	38,4%	38,1%	39,5%	37,0%	39,2%	40,5%	37,5%	38,7%	39,5%

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	-1,15%	1,92%	-21,06%	0,00%	0,36%	-1,70%	-2,87%	-2,41%	1,71%	-3,07%	-2,90%	2,62%
RoE	-7,11%	11,66%	-122,56%	0,00%	2,06%	-10,05%	-15,07%	-11,80%	9,25%	-18,69%	-18,10%	17,20%
Leverage cap. adequacy	6,1 / 16,3%	6,1 / 16,5%	5,8 / 17,2%	5,5 / 18,3%	5,7 / 17,6%	5,9 / 17,0%	5,2 / 19,1%	4,9 / 20,5%	5,4 / 18,5%	6,1 / 16,4%	6,2 / 16,1%	6,5 / 15,3%
NIM	13,01%	15,97%	14,12%	0,00%	7,93%	5,81%	6,03%	6,38%	5,91%	5,31%	4,99%	5,55%
Return on assets	16,54%	15,58%	11,43%	0,00%	9,52%	8,77%	9,61%	10,20%	9,93%	9,81%	9,92%	10,33%
Cost of liabilities	3,03%	3,10%	2,58%	0,00%	2,64%	3,21%	3,73%	4,33%	4,60%	5,11%	5,29%	5,12%
Net spread	13,51%	12,48%	8,85%	0,00%	6,88%	5,56%	5,88%	5,87%	5,33%	4,70%	4,63%	5,21%
Cost / income	114,53%	84,68%	373,48%	0,00%	91,40%	118,92%	141,94%	132,29%	92,62%	126,47%	149,14%	118,85%
Cost of assets	15,86%	15,13%	44,20%	0,00%	12,64%	11,05%	12,63%	12,79%	11,99%	9,92%	10,54%	9,39%
Net assets	5 160 264	5 057 659	4 823 369	4 723 824	5 002 085	5 262 232	4 832 436	4 689 692	5 253 469	6 037 940	6 428 428	6 668 956
Average equity	839 630	835 843	828 895	865 256	880 432	893 841	922 073	961 306	971 476	991 594	1 032 447	1 018 354
Average % assets	2 906 908	2 955 286	3 386 563	3 524 497	3 799 409	4 020 306	3 522 679	3 504 290	4 253 206	4 993 457	5 320 996	5 498 249
Average % liabilities	4 202 242	4 123 212	3 908 686	3 762 476	4 011 619	4 254 721	3 800 786	3 631 003	4 201 736	4 936 642	5 268 906	5 509 428
NII	94 576	118 023	119 555	58 876	75 404	58 453	53 126	55 952	62 899	66 300	66 415	76 331
NCI	25 270	24 093	28 113	22 589	26 300	25 804	18 455	21 913	31 842	23 111	25 136	30 151
NCI / NII	26,7%	20,4%	23,5%	38,4%	34,9%	44,1%	34,7%	39,2%	50,6%	34,9%	37,8%	39,5%

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.