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Central Bank of Russia registration number: 3460  foreign-controlled

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	-2,43%	-1,18%	-1,00%	0,00%	-5,10%	-5,96%	-6,02%	-1,60%	0,62%	1,48%	-0,25%	3,60%
RoE	-5,96%	-2,60%	-1,86%	0,00%	-7,71%	-8,69%	-10,60%	-4,16%	1,65%	3,99%	-0,69%	8,23%
Leverage cap. adequacy	2,4 / 40,9%	2,2 / 45,5%	1,9 / 53,8%	1,5 / 64,6%	1,5 / 66,1%	1,5 / 68,6%	1,8 / 56,8%	2,6 / 38,6%	2,7 / 37,7%	2,7 / 37,2%	2,7 / 37,4%	2,3 / 43,8%
NIM	0,00%	0,00%	0,28%	0,00%	0,71%	0,54%	0,00%	0,00%	0,00%	0,00%	0,00%	0,56%
Return on assets	1,07%	1,00%	0,86%	0,00%	1,90%	2,22%	2,13%	1,51%	1,75%	1,96%	1,81%	2,16%
Cost of liabilities	3,51%	2,80%	2,12%	0,00%	8,30%	9,89%	6,88%	5,76%	5,26%	4,86%	4,92%	5,21%
Net spread	-2,44%	-1,80%	-1,26%	0,00%	-6,40%	-7,67%	-4,75%	-4,25%	-3,51%	-2,90%	-3,11%	-3,05%
Cost / income	115,97%	106,11%	102,65%	0,00%	131,77%	133,78%	140,11%	113,38%	91,84%	88,56%	90,47%	82,15%
Cost of assets	18,94%	19,52%	25,26%	0,00%	30,29%	31,67%	28,31%	18,82%	16,20%	17,13%	16,14%	18,39%
Net assets	2 764 537	2 535 838	2 151 433	1 790 200	1 690 079	1 610 696	1 932 059	2 884 642	3 025 659	3 021 393	2 983 580	2 594 109
Average equity	1 130 697	1 154 497	1 157 677	1 156 650	1 117 849	1 104 622	1 096 856	1 112 507	1 140 585	1 124 525	1 117 074	1 136 559
Average % assets	2 276 698	2 029 515	1 620 201	1 315 102	1 237 513	1 192 839	1 381 416	2 082 302	2 218 721	2 057 897	2 205 720	1 918 748
Average % liabilities	1 323 901	1 118 860	695 381	252 125	263 438	281 925	579 841	1 101 564	1 097 880	1 131 551	1 027 258	762 417
NII	0	0	2 315	3 959	8 821	4 849	0	0	0	0	0	2 690
NCI	178 817	137 314	95 174	36 975	99 930	74 201	51 729	46 576	225 011	175 683	112 666	60 612
NCI / NII	-	-	4 111,2%	933,9%	1 132,9%	1 530,2%	-	-	-	-	-	2 253,2%

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	-6,49%	-1,85%	0,40%	0,00%	-3,35%	-3,43%	-9,64%	-1,60%	-1,95%	4,97%	-3,65%	3,60%
RoE	-15,88%	-4,07%	0,75%	0,00%	-5,07%	-5,00%	-16,99%	-4,16%	-5,18%	13,35%	-9,76%	8,23%
Leverage cap. adequacy	2,4 / 40,9%	2,2 / 45,5%	1,9 / 53,8%	1,5 / 64,6%	1,5 / 66,1%	1,5 / 68,6%	1,8 / 56,8%	2,6 / 38,6%	2,7 / 37,7%	2,7 / 37,2%	2,7 / 37,4%	2,3 / 43,8%
NIM	0,00%	0,00%	0,00%	0,00%	1,28%	2,05%	1,35%	0,00%	0,00%	0,00%	0,00%	0,56%
Return on assets	1,58%	1,63%	0,85%	0,00%	1,16%	1,74%	1,97%	1,51%	1,53%	2,01%	1,73%	2,16%
Cost of liabilities	6,93%	5,76%	3,70%	0,00%	1,45%	1,38%	2,81%	5,76%	6,00%	5,66%	5,98%	5,21%
Net spread	-5,35%	-4,13%	-2,85%	0,00%	-0,29%	0,36%	-0,84%	-4,25%	-4,47%	-3,65%	-4,25%	-3,05%
Cost / income	146,04%	114,68%	93,15%	0,00%	125,92%	121,58%	183,57%	113,38%	102,43%	84,85%	100,46%	82,15%
Cost of assets	23,55%	18,24%	24,40%	0,00%	29,60%	29,48%	28,24%	18,82%	17,11%	16,79%	16,30%	18,39%
Net assets	2 764 537	2 535 838	2 151 433	1 790 200	1 690 079	1 610 696	1 932 059	2 884 642	3 025 659	3 021 393	2 983 580	2 594 109
Average equity	1 130 697	1 154 497	1 157 677	1 156 650	1 117 849	1 104 622	1 096 856	1 112 507	1 140 585	1 124 525	1 117 074	1 136 559
Average % assets	2 276 698	2 029 515	1 620 201	1 315 102	1 237 513	1 192 839	1 381 416	2 082 302	2 218 721	2 057 897	2 205 720	1 918 748
Average % liabilities	1 323 901	1 118 860	695 381	252 125	263 438	281 925	579 841	1 101 564	1 097 880	1 131 551	1 027 258	762 417
NII	0	0	0	3 959	3 972	6 140	4 690	0	0	0	0	2 690
NCI	41 503	42 140	58 199	36 975	25 729	22 472	5 153	46 576	49 328	63 017	52 054	60 612
NCI / NII	-	-	-	933,9%	647,8%	366,0%	109,9%	-	-	-	-	2 253,2%

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.