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Central Bank of Russia registration number: 3413  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	3,59%	3,87%	9,62%	0,00%	3,74%	11,22%	7,32%	8,61%	6,51%	3,72%	3,94%	64,90%
RoE	4,57%	4,92%	13,04%	0,00%	4,41%	13,00%	8,47%	9,69%	7,12%	4,30%	4,89%	84,48%
Leverage cap. adequacy	1,3 / 78,7%	1,3 / 78,6%	1,4 / 73,7%	1,3 / 77,2%	1,2 / 84,7%	1,2 / 86,3%	1,2 / 86,5%	1,1 / 88,9%	1,1 / 91,5%	1,2 / 86,5%	1,2 / 80,7%	1,3 / 76,8%
NIM	8,21%	8,34%	7,47%	0,00%	7,90%	7,57%	8,47%	8,77%	12,10%	12,47%	12,29%	13,65%
Return on assets	8,52%	8,62%	7,81%	0,00%	9,56%	9,68%	9,81%	10,10%	12,80%	12,63%	12,32%	13,69%
Cost of liabilities	0,93%	1,08%	1,13%	0,00%	5,64%	8,44%	1,78%	1,58%	4,98%	0,44%	0,18%	0,16%
Net spread	7,59%	7,54%	6,68%	0,00%	3,92%	1,24%	8,03%	8,52%	7,82%	12,19%	12,14%	13,53%
Cost / income	49,56%	56,04%	57,12%	0,00%	58,74%	59,27%	52,58%	48,25%	40,85%	38,32%	37,47%	32,66%
Cost of assets	6,05%	6,23%	5,92%	0,00%	6,05%	6,05%	6,36%	6,22%	6,83%	6,49%	5,25%	5,36%
Net assets	2 492 982	2 504 939	2 667 647	2 522 472	2 347 415	2 313 882	2 180 342	2 151 820	2 046 496	2 131 579	2 570 382	2 482 953
Average equity	1 960 893	1 967 856	1 967 181	1 947 854	1 988 849	1 997 105	1 886 003	1 912 000	1 873 137	1 844 840	2 074 304	1 907 433
Average % assets	2 391 416	2 298 656	2 407 269	2 413 768	2 199 960	2 229 704	2 304 528	2 242 865	2 174 022	2 309 947	2 523 718	2 563 449
Average % liabilities	481 854	496 114	605 973	516 725	300 344	256 508	241 153	195 311	159 714	251 609	457 257	553 433
NII	196 489	143 781	89 944	45 051	174 009	126 674	97 686	49 227	263 103	216 154	155 117	87 539
NCI	2 308	1 755	1 669	870	3 328	2 794	1 951	1 389	4 487	1 062	0	120
NCI / NII	1,2%	1,2%	1,9%	1,9%	1,9%	2,2%	2,0%	2,8%	1,7%	0,5%	0,0%	0,1%

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	2,71%	-8,87%	20,02%	0,00%	-18,23%	19,86%	6,15%	8,61%	14,41%	1,65%	-54,79%	64,90%
RoE	3,45%	-11,30%	27,15%	0,00%	-21,52%	23,01%	7,11%	9,69%	15,75%	1,91%	-67,89%	84,48%
Leverage cap. adequacy	1,3 / 78,7%	1,3 / 78,6%	1,4 / 73,7%	1,3 / 77,2%	1,2 / 84,7%	1,2 / 86,3%	1,2 / 86,5%	1,1 / 88,9%	1,1 / 91,5%	1,2 / 86,5%	1,2 / 80,7%	1,3 / 76,8%
NIM	8,81%	9,36%	7,45%	0,00%	8,60%	5,20%	8,41%	8,77%	8,63%	10,56%	10,71%	13,65%
Return on assets	9,23%	9,52%	7,95%	0,00%	8,81%	8,76%	9,79%	10,10%	10,96%	10,96%	10,74%	13,69%
Cost of liabilities	0,37%	0,47%	1,86%	0,00%	0,95%	21,97%	2,28%	1,58%	17,81%	0,65%	0,17%	0,16%
Net spread	8,86%	9,05%	6,09%	0,00%	7,86%	-13,21%	7,51%	8,52%	-6,85%	10,31%	10,57%	13,53%
Cost / income	36,69%	54,05%	57,35%	0,00%	57,15%	83,02%	57,27%	48,25%	51,00%	40,24%	43,37%	32,66%
Cost of assets	6,00%	6,35%	5,98%	0,00%	5,89%	5,58%	6,66%	6,22%	6,80%	6,29%	5,46%	5,36%
Net assets	2 492 982	2 504 939	2 667 647	2 522 472	2 347 415	2 313 882	2 180 342	2 151 820	2 046 496	2 131 579	2 570 382	2 482 953
Average equity	1 960 893	1 967 856	1 967 181	1 947 854	1 988 849	1 997 105	1 886 003	1 912 000	1 873 137	1 844 840	2 074 304	1 907 433
Average % assets	2 391 416	2 298 656	2 407 269	2 413 768	2 199 960	2 229 704	2 304 528	2 242 865	2 174 022	2 309 947	2 523 718	2 563 449
Average % liabilities	481 854	496 114	605 973	516 725	300 344	256 508	241 153	195 311	159 714	251 609	457 257	553 433
NII	52 708	53 837	44 893	45 051	47 335	28 988	48 459	49 227	46 949	61 037	67 578	87 539
NCI	553	86	799	870	534	843	562	1 389	3 425	1 147	0	120
NCI / NII	1,0%	0,2%	1,8%	1,9%	1,1%	2,9%	1,2%	2,8%	7,3%	1,9%	0,0%	0,1%

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.