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Central Bank of Russia registration number: 3303  foreign-controlled, 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	1,53%	1,82%	2,11%	0,00%	-1,33%	-0,25%	-0,23%	0,19%	0,97%	0,57%	-0,36%	2,18%
RoE	8,35%	8,28%	10,12%	0,00%	-5,43%	-0,95%	-0,92%	1,01%	4,83%	3,07%	-1,87%	12,04%
Leverage cap. adequacy	5,5 / 18,3%	4,5 / 22,1%	4,8 / 20,8%	3,9 / 26,0%	4,1 / 24,5%	3,8 / 26,3%	3,9 / 25,5%	5,3 / 18,8%	4,9 / 20,3%	5,4 / 18,6%	5,1 / 19,8%	5,5 / 18,1%
NIM	2,48%	0,00%	0,00%	0,00%	1,44%	1,39%	1,23%	2,18%	3,42%	3,24%	3,24%	3,22%
Return on assets	4,45%	4,28%	4,05%	0,00%	4,72%	4,98%	4,84%	5,08%	6,49%	6,33%	6,34%	6,66%
Cost of liabilities	1,52%	1,42%	1,20%	0,00%	2,94%	3,28%	3,36%	2,65%	2,99%	2,94%	3,27%	3,32%
Net spread	2,93%	2,86%	2,85%	0,00%	1,78%	1,70%	1,48%	2,43%	3,50%	3,39%	3,07%	3,34%
Cost / income	45,97%	200,26%	4406,86%	0,00%	84,97%	68,64%	78,70%	33,22%	88,97%	95,64%	116,26%	119,58%
Cost of assets	3,91%	4,54%	4,45%	0,00%	4,51%	4,79%	4,29%	3,90%	4,33%	3,95%	3,99%	4,11%
Net assets	9 511 172	7 763 408	7 962 353	6 252 081	6 871 292	6 482 939	6 665 512	6 642 255	5 407 629	5 698 325	5 571 886	5 918 249
Average equity	1 745 125	1 714 068	1 659 432	1 623 029	1 681 536	1 707 204	1 702 524	1 251 635	1 095 403	1 061 003	1 100 859	1 074 027
Average % assets	6 228 812	5 492 505	5 513 659	4 088 243	4 534 432	4 252 708	4 520 040	4 703 104	4 152 174	4 393 548	4 575 931	4 540 934
Average % liabilities	7 814 843	6 110 907	6 274 057	4 557 925	5 114 995	4 698 551	4 893 973	5 187 743	4 290 569	4 616 301	4 454 899	4 829 209
NII	154 577	0	0	36 360	65 458	44 405	28 009	25 721	142 022	107 026	74 249	36 616
NCI	134 600	93 722	61 316	29 707	66 134	45 045	29 333	17 993	89 199	55 337	30 686	20 179
NCI / NII	87,1%	-	-	81,7%	101,0%	101,4%	104,7%	70,0%	62,8%	51,7%	41,3%	55,1%

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	1,65%	1,15%	3,15%	0,00%	-4,61%	-0,27%	-0,66%	0,19%	2,10%	2,44%	-3,06%	2,18%
RoE	9,02%	5,23%	15,12%	0,00%	-18,84%	-1,02%	-2,59%	1,01%	10,37%	13,12%	-15,49%	12,04%
Leverage cap. adequacy	5,5 / 18,3%	4,5 / 22,1%	4,8 / 20,8%	3,9 / 26,0%	4,1 / 24,5%	3,8 / 26,3%	3,9 / 25,5%	5,3 / 18,8%	4,9 / 20,3%	5,4 / 18,6%	5,1 / 19,8%	5,5 / 18,1%
NIM	12,36%	2,78%	0,00%	0,00%	1,85%	1,54%	0,20%	2,18%	3,37%	2,98%	3,28%	3,22%
Return on assets	6,47%	4,71%	4,45%	0,00%	4,88%	4,63%	4,40%	5,08%	5,84%	5,79%	6,07%	6,66%
Cost of liabilities	2,73%	1,81%	1,51%	0,00%	2,71%	2,83%	3,91%	2,65%	2,46%	2,51%	2,95%	3,32%
Net spread	3,74%	2,90%	2,94%	0,00%	2,17%	1,80%	0,49%	2,43%	3,38%	3,28%	3,12%	3,34%
Cost / income	13,57%	69,14%	0,00%	0,00%	281,02%	55,97%	0,00%	33,22%	75,33%	66,70%	113,02%	119,58%
Cost of assets	3,82%	4,56%	4,94%	0,00%	4,59%	5,19%	4,47%	3,90%	4,81%	3,44%	3,92%	4,11%
Net assets	9 511 172	7 763 408	7 962 353	6 252 081	6 871 292	6 482 939	6 665 512	6 642 255	5 407 629	5 698 325	5 571 886	5 918 249
Average equity	1 745 125	1 714 068	1 659 432	1 623 029	1 681 536	1 707 204	1 702 524	1 251 635	1 095 403	1 061 003	1 100 859	1 074 027
Average % assets	6 228 812	5 492 505	5 513 659	4 088 243	4 534 432	4 252 708	4 520 040	4 703 104	4 152 174	4 393 548	4 575 931	4 540 934
Average % liabilities	7 814 843	6 110 907	6 274 057	4 557 925	5 114 995	4 698 551	4 893 973	5 187 743	4 290 569	4 616 301	4 454 899	4 829 209
NII	192 577	38 265	0	36 360	21 053	16 396	2 288	25 721	34 996	32 777	37 633	36 616
NCI	40 878	32 406	31 609	29 707	21 089	15 712	11 340	17 993	33 862	24 651	10 507	20 179
NCI / NII	21,2%	84,7%	-	81,7%	100,2%	95,8%	495,6%	70,0%	96,8%	75,2%	27,9%	55,1%

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 - 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.