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	MERCEDES-BENZ BANK RUSI want to buy a report	add to comparison
Central Bank of Russia registration number: 3473  foreign-controlled, retail lending, car loans

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	1,76%	1,88%	2,38%	0,00%	0,79%	2,30%	0,06%	1,58%	2,51%	2,94%	3,51%	3,19%
RoE	9,06%	9,68%	13,97%	0,00%	4,11%	10,87%	0,30%	7,25%	11,27%	12,80%	15,49%	14,62%
Leverage cap. adequacy	5,1 / 19,4%	5,1 / 19,5%	5,9 / 17,1%	6,0 / 16,7%	5,2 / 19,3%	4,7 / 21,2%	4,5 / 22,2%	4,6 / 21,8%	4,5 / 22,3%	4,3 / 23,0%	4,4 / 22,7%	4,6 / 21,9%
NIM	7,03%	6,53%	6,25%	0,00%	6,52%	6,91%	7,29%	6,98%	7,70%	7,98%	8,04%	8,07%
Return on assets	9,80%	9,09%	8,93%	0,00%	9,83%	10,39%	10,82%	10,20%	10,65%	10,94%	11,13%	11,06%
Cost of liabilities	5,94%	6,02%	6,08%	0,00%	6,55%	6,72%	7,20%	7,22%	7,37%	7,84%	7,74%	7,63%
Net spread	3,86%	3,07%	2,85%	0,00%	3,28%	3,67%	3,62%	2,98%	3,28%	3,10%	3,39%	3,43%
Cost / income	44,04%	44,14%	42,78%	0,00%	46,23%	37,62%	39,14%	37,35%	40,19%	34,54%	32,95%	35,48%
Cost of assets	2,49%	2,42%	2,17%	0,00%	2,77%	2,63%	2,69%	2,53%	2,88%	2,62%	2,58%	2,80%
Net assets	34 558 898	33 654 860	31 721 357	29 213 914	28 817 787	28 310 782	26 420 667	26 687 822	25 786 898	24 353 476	24 361 572	24 490 976
Average equity	6 720 676	6 563 617	5 412 486	4 874 324	5 553 406	6 002 961	5 858 241	5 819 819	5 757 528	5 611 669	5 519 442	5 357 675
Average % assets	27 652 976	28 465 756	27 313 978	24 542 264	23 324 820	22 027 481	21 285 389	23 027 811	22 693 061	22 160 111	21 809 365	22 110 197
Average % liabilities	26 401 808	25 563 543	24 849 955	23 044 242	22 001 432	21 154 728	19 485 583	19 670 053	18 833 824	17 623 990	17 824 022	18 266 574
NII	1 944 703	1 394 763	854 248	393 164	1 521 503	1 143 015	776 690	402 078	1 748 878	1 327 835	877 270	446 283
NCI	0	0	0	0	0	5 332	4 530	4 711	3 030	17 011	10 906	4 358
NCI / NII	0,0%	0,0%	0,0%	0,0%	0,0%	0,5%	0,6%	1,2%	0,2%	1,3%	1,2%	1,0%

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	1,53%	1,16%	2,52%	0,00%	-3,62%	6,79%	-1,46%	1,58%	1,70%	1,82%	3,80%	3,19%
RoE	7,88%	5,99%	14,79%	0,00%	-18,79%	32,04%	-6,60%	7,25%	7,65%	7,91%	16,80%	14,62%
Leverage cap. adequacy	5,1 / 19,4%	5,1 / 19,5%	5,9 / 17,1%	6,0 / 16,7%	5,2 / 19,3%	4,7 / 21,2%	4,5 / 22,2%	4,6 / 21,8%	4,5 / 22,3%	4,3 / 23,0%	4,4 / 22,7%	4,6 / 21,9%
NIM	7,95%	7,59%	6,75%	0,00%	6,49%	6,65%	7,03%	6,98%	7,42%	8,13%	7,90%	8,07%
Return on assets	11,12%	10,15%	9,36%	0,00%	9,88%	10,25%	10,61%	10,20%	10,53%	10,93%	11,04%	11,06%
Cost of liabilities	6,29%	6,23%	6,23%	0,00%	6,83%	6,89%	7,11%	7,22%	7,48%	7,86%	7,66%	7,63%
Net spread	4,83%	3,92%	3,13%	0,00%	3,05%	3,36%	3,50%	2,98%	3,05%	3,07%	3,38%	3,43%
Cost / income	43,71%	46,12%	35,69%	0,00%	85,78%	34,98%	41,22%	37,35%	59,48%	37,89%	30,35%	35,48%
Cost of assets	2,46%	3,10%	2,07%	0,00%	3,68%	2,67%	2,61%	2,53%	3,86%	2,78%	2,34%	2,80%
Net assets	34 558 898	33 654 860	31 721 357	29 213 914	28 817 787	28 310 782	26 420 667	26 687 822	25 786 898	24 353 476	24 361 572	24 490 976
Average equity	6 720 676	6 563 617	5 412 486	4 874 324	5 553 406	6 002 961	5 858 241	5 819 819	5 757 528	5 611 669	5 519 442	5 357 675
Average % assets	27 652 976	28 465 756	27 313 978	24 542 264	23 324 820	22 027 481	21 285 389	23 027 811	22 693 061	22 160 111	21 809 365	22 110 197
Average % liabilities	26 401 808	25 563 543	24 849 955	23 044 242	22 001 432	21 154 728	19 485 583	19 670 053	18 833 824	17 623 990	17 824 022	18 266 574
NII	549 940	540 515	461 084	393 164	378 488	366 325	374 612	402 078	421 043	450 565	430 987	446 283
NCI	0	0	0	0	0	802	0	4 711	0	6 105	6 548	4 358
NCI / NII	0,0%	0,0%	0,0%	0,0%	0,0%	0,2%	0,0%	1,2%	0,0%	1,4%	1,5%	1,0%

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.