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Central Bank of Russia registration number: 3388  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	1,47%	0,55%	0,74%	0,00%	0,86%	0,90%	1,21%	1,46%	1,69%	1,23%	1,00%	2,02%
RoE	18,97%	7,58%	10,36%	0,00%	12,55%	12,76%	16,61%	22,02%	25,05%	17,83%	15,14%	33,52%
Leverage cap. adequacy	12,8 / 7,8%	13,7 / 7,3%	13,9 / 7,2%	14,1 / 7,1%	14,6 / 6,9%	14,2 / 7,1%	13,7 / 7,3%	15,0 / 6,7%	14,8 / 6,8%	14,5 / 6,9%	15,1 / 6,6%	16,6 / 6,0%
NIM	3,39%	2,28%	2,28%	0,00%	2,26%	2,29%	2,34%	2,14%	2,81%	2,99%	3,21%	3,65%
Return on assets	5,66%	5,30%	5,19%	0,00%	5,83%	5,97%	6,33%	6,15%	7,31%	7,74%	8,15%	8,73%
Cost of liabilities	3,46%	3,22%	3,02%	0,00%	3,51%	3,66%	4,07%	4,13%	5,31%	5,03%	5,20%	5,46%
Net spread	2,20%	2,08%	2,17%	0,00%	2,32%	2,31%	2,26%	2,02%	2,00%	2,71%	2,95%	3,27%
Cost / income	40,20%	47,89%	45,03%	0,00%	43,66%	40,30%	40,86%	42,70%	36,53%	32,15%	28,47%	22,06%
Cost of assets	1,36%	1,16%	1,17%	0,00%	1,37%	1,16%	1,14%	1,05%	1,25%	1,13%	1,12%	0,99%
Net assets	110 479 176	111 107 043	111 609 673	111 293 642	111 723 087	110 763 392	108 988 358	116 543 186	119 148 005	119 809 060	119 911 286	122 505 163
Average equity	8 604 503	8 105 287	8 020 270	7 877 444	7 656 516	7 821 821	7 984 407	7 769 946	8 061 265	8 274 432	7 950 804	7 380 597
Average % assets	105 592 561	107 595 262	105 977 520	106 108 576	103 233 107	103 637 355	102 883 281	110 590 384	111 617 642	110 817 066	110 686 778	115 211 426
Average % liabilities	102 516 761	103 534 505	104 109 787	103 967 632	104 003 363	102 736 724	100 540 960	108 449 538	109 493 588	110 007 356	110 272 670	113 004 292
NII	3 585 724	1 845 978	1 210 183	594 887	2 334 974	1 782 981	1 206 563	594 199	3 144 868	2 490 965	1 777 028	1 051 816
NCI	142 288	100 529	65 811	29 572	117 254	84 622	55 968	32 025	133 797	106 018	75 317	37 968
NCI / NII	4,0%	5,4%	5,4%	5,0%	5,0%	4,7%	4,6%	5,4%	4,3%	4,3%	4,2%	3,6%

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	4,24%	0,16%	0,23%	0,00%	0,75%	0,30%	0,86%	1,46%	3,06%	1,68%	-0,05%	2,02%
RoE	54,45%	2,26%	3,24%	0,00%	11,08%	4,37%	11,80%	22,02%	45,28%	24,39%	-0,83%	33,52%
Leverage cap. adequacy	12,8 / 7,8%	13,7 / 7,3%	13,9 / 7,2%	14,1 / 7,1%	14,6 / 6,9%	14,2 / 7,1%	13,7 / 7,3%	15,0 / 6,7%	14,8 / 6,8%	14,5 / 6,9%	15,1 / 6,6%	16,6 / 6,0%
NIM	6,59%	2,36%	2,32%	0,00%	2,13%	2,22%	2,38%	2,14%	2,34%	2,57%	2,62%	3,65%
Return on assets	6,45%	5,69%	5,13%	0,00%	5,36%	5,32%	6,05%	6,15%	6,18%	6,94%	7,21%	8,73%
Cost of liabilities	4,07%	3,59%	3,09%	0,00%	3,19%	3,00%	3,69%	4,13%	6,07%	4,66%	4,80%	5,46%
Net spread	2,38%	2,10%	2,04%	0,00%	2,17%	2,32%	2,36%	2,02%	0,11%	2,28%	2,41%	3,27%
Cost / income	30,97%	54,84%	53,81%	0,00%	51,14%	39,30%	39,20%	42,70%	50,43%	43,11%	38,03%	22,06%
Cost of assets	1,90%	1,16%	1,22%	0,00%	1,99%	1,21%	1,15%	1,05%	1,66%	1,14%	1,20%	0,99%
Net assets	110 479 176	111 107 043	111 609 673	111 293 642	111 723 087	110 763 392	108 988 358	116 543 186	119 148 005	119 809 060	119 911 286	122 505 163
Average equity	8 604 503	8 105 287	8 020 270	7 877 444	7 656 516	7 821 821	7 984 407	7 769 946	8 061 265	8 274 432	7 950 804	7 380 597
Average % assets	105 592 561	107 595 262	105 977 520	106 108 576	103 233 107	103 637 355	102 883 281	110 590 384	111 617 642	110 817 066	110 686 778	115 211 426
Average % liabilities	102 516 761	103 534 505	104 109 787	103 967 632	104 003 363	102 736 724	100 540 960	108 449 538	109 493 588	110 007 356	110 272 670	113 004 292
NII	1 739 746	635 795	615 296	594 887	551 993	576 418	612 364	594 199	653 903	713 937	725 212	1 051 816
NCI	41 759	34 718	36 239	29 572	32 632	28 654	23 943	32 025	27 779	30 701	37 349	37 968
NCI / NII	2,4%	5,5%	5,9%	5,0%	5,9%	5,0%	3,9%	5,4%	4,2%	4,3%	5,2%	3,6%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.