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Central Bank of Russia registration number: 3324

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

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	11,37%	8,19%	12,44%	0,00%	8,19%	5,20%	15,26%	6,70%	2,21%	4,09%	1,13%	-30,66%
RoE	44,63%	38,09%	46,38%	0,00%	33,10%	18,53%	49,10%	21,11%	6,29%	10,75%	3,29%	-93,30%
Leverage cap. adequacy	3,9 / 25,5%	4,7 / 21,5%	3,7 / 26,8%	3,3 / 29,9%	4,0 / 24,7%	3,6 / 28,1%	3,2 / 31,1%	3,2 / 31,7%	2,8 / 35,1%	2,6 / 38,0%	2,9 / 34,5%	3,0 / 32,9%
NIM	4,49%	2,34%	2,40%	0,00%	54,10%	3,68%	3,31%	5,49%	0,00%	6,70%	6,82%	9,51%
Return on assets	4,98%	2,35%	2,40%	0,00%	54,10%	3,68%	3,31%	5,49%	0,00%	6,70%	6,82%	9,51%
Cost of liabilities	0,88%	0,02%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	4,10%	2,33%	2,40%	0,00%	54,10%	3,68%	3,31%	5,49%	0,00%	6,70%	6,82%	9,51%
Cost / income	38,74%	43,37%	42,82%	0,00%	82,43%	92,68%	78,97%	109,39%	90,23%	89,00%	95,63%	92,41%
Cost of assets	37,06%	21,90%	32,48%	0,00%	5119,36%	341,31%	165,32%	239,51%	0,00%	300,13%	298,94%	320,15%
Net assets	1 715 351	1 733 769	1 311 106	1 087 377	972 456	702 414	595 883	504 980	458 893	397 381	432 874	447 043
Average equity	437 122	372 805	351 777	325 501	240 613	197 211	185 197	160 306	161 127	151 201	149 354	146 930
Average % assets	419 500	756 000	495 250	219 475	6 682	119 875	159 189	91 159	0	51 500	50 750	43 475
Average % liabilities	230 900	485 789	199 261	93 232	235 345	170 776	114 924	145 783	71 299	24 043	104 946	124 908
NII	18 858	13 296	5 953	1 293	3 615	3 315	2 639	1 252	3 059	2 589	1 731	1 034
NCI	0	0	3 931	2 064	0	0	0	0	0	0	0	0
NCI / NII	0,0%	0,0%	66,0%	159,6%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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	20,66%	5,75%	4,78%	0,00%	21,49%	-10,28%	24,84%	6,70%	-1,78%	9,79%	33,94%	-30,66%
RoE	81,08%	26,74%	17,83%	0,00%	86,87%	-36,63%	79,93%	21,11%	-5,09%	25,74%	98,39%	-93,30%
Leverage cap. adequacy	3,9 / 25,5%	4,7 / 21,5%	3,7 / 26,8%	3,3 / 29,9%	4,0 / 24,7%	3,6 / 28,1%	3,2 / 31,1%	3,2 / 31,7%	2,8 / 35,1%	2,6 / 38,0%	2,9 / 34,5%	3,0 / 32,9%
NIM	5,30%	3,88%	3,76%	0,00%	17,95%	2,25%	3,48%	5,49%	0,00%	6,66%	5,49%	9,51%
Return on assets	7,18%	3,92%	3,76%	0,00%	17,95%	2,25%	3,48%	5,49%	0,00%	6,66%	5,49%	9,51%
Cost of liabilities	3,41%	0,06%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	3,77%	3,86%	3,76%	0,00%	17,95%	2,25%	3,48%	5,49%	0,00%	6,66%	5,49%	9,51%
Cost / income	27,20%	44,43%	53,09%	0,00%	41,97%	106,58%	65,96%	109,39%	92,05%	78,67%	98,53%	92,41%
Cost of assets	29,83%	23,14%	37,78%	0,00%	2107,87%	584,86%	193,48%	239,51%	0,00%	311,22%	323,63%	320,15%
Net assets	1 715 351	1 733 769	1 311 106	1 087 377	972 456	702 414	595 883	504 980	458 893	397 381	432 874	447 043
Average equity	437 122	372 805	351 777	325 501	240 613	197 211	185 197	160 306	161 127	151 201	149 354	146 930
Average % assets	419 500	756 000	495 250	219 475	6 682	119 875	159 189	91 159	0	51 500	50 750	43 475
Average % liabilities	230 900	485 789	199 261	93 232	235 345	170 776	114 924	145 783	71 299	24 043	104 946	124 908
NII	5 562	7 343	4 660	1 293	300	676	1 387	1 252	470	858	697	1 034
NCI	0	0	1 867	2 064	0	0	0	0	0	0	0	0
NCI / NII	0,0%	0,0%	40,1%	159,6%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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.