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Central Bank of Russia registration number: 3269  retail lending, retail funding, 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	0,43%	0,39%	0,49%	0,00%	0,27%	0,13%	0,11%	0,51%	1,52%	0,40%	0,51%	0,68%
RoE	2,06%	1,87%	2,40%	0,00%	1,35%	0,67%	0,56%	2,51%	5,99%	1,52%	1,93%	2,54%
Leverage cap. adequacy	4,8 / 20,9%	4,8 / 21,0%	4,9 / 20,5%	5,0 / 20,1%	5,0 / 20,1%	5,0 / 20,2%	4,9 / 20,5%	4,8 / 20,6%	3,9 / 25,4%	3,8 / 26,3%	3,7 / 26,8%	3,7 / 27,0%
NIM	5,91%	5,72%	5,57%	0,00%	5,39%	5,42%	5,45%	6,65%	5,01%	5,19%	4,48%	3,11%
Return on assets	8,30%	8,09%	7,80%	0,00%	8,47%	8,64%	8,93%	9,91%	9,27%	9,56%	9,83%	10,04%
Cost of liabilities	3,56%	3,40%	3,27%	0,00%	4,30%	4,58%	5,03%	5,40%	5,20%	5,43%	5,59%	5,99%
Net spread	4,74%	4,69%	4,53%	0,00%	4,17%	4,06%	3,90%	4,51%	4,07%	4,13%	4,24%	4,05%
Cost / income	66,14%	67,34%	66,82%	0,00%	70,01%	68,63%	68,71%	67,58%	75,40%	82,42%	100,24%	129,54%
Cost of assets	5,26%	5,07%	4,94%	0,00%	4,91%	4,83%	5,01%	5,96%	5,01%	5,71%	6,15%	6,25%
Net assets	15 657 547	15 695 171	16 153 771	16 556 121	16 610 538	16 521 176	16 223 687	15 395 437	11 806 894	11 145 209	10 836 096	10 643 173
Average equity	3 279 507	3 300 547	3 313 799	3 335 707	3 336 474	3 330 575	3 317 764	3 177 979	2 994 894	2 935 065	2 908 278	2 873 806
Average % assets	14 764 421	14 968 304	15 366 024	15 565 323	15 465 128	15 433 827	15 139 101	13 940 524	10 255 001	9 809 853	9 326 934	8 977 490
Average % liabilities	12 047 476	12 087 253	12 540 284	12 885 527	12 964 422	12 865 832	12 556 756	11 818 759	8 638 727	8 028 165	7 755 323	7 613 653
NII	873 806	642 753	428 434	206 281	834 755	627 418	412 804	231 890	514 546	381 853	209 307	69 954
NCI	170 324	124 531	87 219	47 155	158 939	115 901	73 695	40 160	72 202	54 684	36 530	20 827
NCI / NII	19,5%	19,4%	20,4%	22,9%	19,0%	18,5%	17,9%	17,3%	14,0%	14,3%	17,5%	29,8%

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	0,54%	0,16%	0,34%	0,00%	0,68%	0,18%	-0,26%	0,51%	4,94%	0,19%	0,36%	0,68%
RoE	2,60%	0,77%	1,69%	0,00%	3,41%	0,90%	-1,29%	2,51%	19,48%	0,75%	1,35%	2,54%
Leverage cap. adequacy	4,8 / 20,9%	4,8 / 21,0%	4,9 / 20,5%	5,0 / 20,1%	5,0 / 20,1%	5,0 / 20,2%	4,9 / 20,5%	4,8 / 20,6%	3,9 / 25,4%	3,8 / 26,3%	3,7 / 26,8%	3,7 / 27,0%
NIM	6,25%	5,72%	5,78%	0,00%	5,36%	5,56%	4,78%	6,65%	5,17%	7,03%	5,97%	3,11%
Return on assets	8,58%	8,26%	7,89%	0,00%	8,03%	8,39%	8,74%	9,91%	9,64%	9,99%	9,99%	10,04%
Cost of liabilities	4,00%	3,44%	3,17%	0,00%	3,53%	3,94%	4,98%	5,40%	5,69%	5,49%	5,29%	5,99%
Net spread	4,58%	4,82%	4,72%	0,00%	4,50%	4,45%	3,76%	4,51%	3,95%	4,50%	4,70%	4,05%
Cost / income	63,05%	68,43%	71,94%	0,00%	74,19%	68,47%	70,12%	67,58%	54,94%	59,67%	82,32%	129,54%
Cost of assets	5,60%	5,03%	5,40%	0,00%	5,17%	4,70%	4,56%	5,96%	3,73%	5,45%	6,27%	6,25%
Net assets	15 657 547	15 695 171	16 153 771	16 556 121	16 610 538	16 521 176	16 223 687	15 395 437	11 806 894	11 145 209	10 836 096	10 643 173
Average equity	3 279 507	3 300 547	3 313 799	3 335 707	3 336 474	3 330 575	3 317 764	3 177 979	2 994 894	2 935 065	2 908 278	2 873 806
Average % assets	14 764 421	14 968 304	15 366 024	15 565 323	15 465 128	15 433 827	15 139 101	13 940 524	10 255 001	9 809 853	9 326 934	8 977 490
Average % liabilities	12 047 476	12 087 253	12 540 284	12 885 527	12 964 422	12 865 832	12 556 756	11 818 759	8 638 727	8 028 165	7 755 323	7 613 653
NII	231 053	214 319	222 153	206 281	207 337	214 614	180 914	231 890	132 693	172 546	139 353	69 954
NCI	45 793	37 312	40 064	47 155	43 038	42 206	33 535	40 160	17 518	18 154	15 703	20 827
NCI / NII	19,8%	17,4%	18,0%	22,9%	20,8%	19,7%	18,5%	17,3%	13,2%	10,5%	11,3%	29,8%

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.