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Central Bank of Russia registration number: 3338  retail lending, mortgage-oriented, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions4

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. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	0,00%	0,00%	0,23%
RoE	0,00%	0,00%	0,00%	2,60%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	10,7 / 9,4%	10,9 / 9,1%
NIM	0,00%	0,00%	0,00%	2,69%
Return on assets	0,00%	0,00%	0,00%	11,12%
Cost of liabilities	0,00%	0,00%	0,00%	9,07%
Net spread	0,00%	0,00%	0,00%	2,05%
Cost / income	0,00%	0,00%	0,00%	76,04%
Cost of assets	0,00%	0,00%	0,00%	1,43%
Net assets	0	0	206 741 352	203 966 159
Average equity	0	0	19 372 665	18 658 741
Average % assets	0	0	186 213 882	185 869 359
Average % liabilities	0	0	182 208 093	180 637 995
NII	0	0	0	1 250 540
NCI	0	0	0	0
NCI / NII	-	-	-	0,0%

Key financial ratios of the bank for the quarter specified

	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	0,00%	0,00%	-0,23%	0,23%
RoE	0,00%	0,00%	-2,50%	2,60%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	10,7 / 9,4%	10,9 / 9,1%
NIM	0,00%	0,00%	0,00%	2,69%
Return on assets	0,00%	0,00%	0,00%	11,12%
Cost of liabilities	0,00%	0,00%	0,00%	9,07%
Net spread	0,00%	0,00%	0,00%	2,05%
Cost / income	0,00%	0,00%	76,04%	76,04%
Cost of assets	0,00%	0,00%	-1,42%	1,43%
Net assets	0	0	206 741 352	203 966 159
Average equity	0	0	19 372 665	18 658 741
Average % assets	0	0	186 213 882	185 869 359
Average % liabilities	0	0	182 208 093	180 637 995
NII	0	0	0	1 250 540
NCI	0	0	132 915	0
NCI / NII	-	-	-	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.