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Central Bank of Russia registration number: 3475  ausländisch beherrschten, ZB-Vertreter, 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	1,03%	1,09%	1,18%	0,00%	0,88%	1,14%	1,24%	2,29%	2,12%	2,76%	2,95%	2,47%
RoE	6,76%	6,57%	6,63%	0,00%	5,85%	6,97%	6,82%	11,04%	10,02%	13,14%	14,76%	12,51%
Leverage cap. adequacy	6,5 / 15,3%	6,0 / 16,6%	5,6 / 17,8%	6,0 / 16,7%	6,6 / 15,1%	6,1 / 16,4%	5,5 / 18,3%	4,8 / 20,8%	4,7 / 21,2%	4,8 / 21,0%	5,0 / 20,0%	5,1 / 19,8%
NIM	2,07%	2,25%	2,35%	0,00%	2,33%	3,10%	3,92%	3,74%	3,05%	3,62%	3,88%	3,98%
Return on assets	4,05%	4,51%	4,42%	0,00%	3,71%	4,75%	5,99%	5,65%	5,96%	7,40%	7,55%	7,11%
Cost of liabilities	1,95%	2,07%	2,03%	0,00%	1,49%	1,50%	1,64%	2,11%	2,71%	2,82%	2,65%	2,59%
Net spread	2,10%	2,44%	2,39%	0,00%	2,22%	3,25%	4,35%	3,54%	3,25%	4,58%	4,90%	4,52%
Cost / income	50,61%	49,87%	46,89%	0,00%	46,16%	41,30%	46,15%	35,01%	42,31%	38,70%	38,46%	43,92%
Cost of assets	1,71%	1,97%	1,86%	0,00%	1,59%	1,98%	2,44%	1,93%	2,12%	2,53%	2,39%	2,09%
Net assets	81 112 869	74 367 646	70 924 637	74 135 443	80 865 313	75 682 614	72 291 907	62 476 239	60 336 891	60 735 201	64 568 193	63 422 543
Average equity	12 416 366	12 370 739	12 649 865	12 347 063	12 240 474	12 417 873	13 200 362	13 005 406	12 794 335	12 753 014	12 940 516	12 557 331
Average % assets	59 151 479	48 722 538	46 980 685	49 912 659	59 199 123	43 595 619	36 340 728	40 602 360	39 655 298	31 538 917	32 802 150	39 093 543
Average % liabilities	68 083 386	61 230 458	57 670 980	60 933 505	67 704 324	62 217 006	58 749 476	49 163 610	47 248 761	47 309 794	51 026 504	50 251 775
NII	1 224 625	824 329	554 317	271 428	1 383 396	1 015 452	713 524	380 348	1 209 782	858 029	637 426	389 946
NCI	83 119	60 571	41 102	19 658	87 256	61 380	40 362	21 712	75 477	49 457	32 404	18 895
NCI / NII	6,8%	7,3%	7,4%	7,2%	6,3%	6,0%	5,7%	5,7%	6,2%	5,8%	5,1%	4,8%

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	1,13%	1,02%	1,28%	0,00%	0,33%	1,05%	0,50%	2,29%	0,16%	1,99%	3,48%	2,47%
RoE	7,42%	6,15%	7,21%	0,00%	2,19%	6,40%	2,77%	11,04%	0,76%	9,47%	17,39%	12,51%
Leverage cap. adequacy	6,5 / 15,3%	6,0 / 16,6%	5,6 / 17,8%	6,0 / 16,7%	6,6 / 15,1%	6,1 / 16,4%	5,5 / 18,3%	4,8 / 20,8%	4,7 / 21,2%	4,8 / 21,0%	5,0 / 20,0%	5,1 / 19,8%
NIM	2,70%	2,21%	2,40%	0,00%	2,48%	2,77%	3,66%	3,74%	3,54%	2,79%	3,01%	3,98%
Return on assets	5,03%	5,03%	4,27%	0,00%	4,34%	4,27%	5,66%	5,65%	6,20%	6,49%	6,63%	7,11%
Cost of liabilities	2,24%	2,39%	2,06%	0,00%	1,80%	1,41%	1,52%	2,11%	2,35%	2,74%	2,75%	2,59%
Net spread	2,79%	2,64%	2,21%	0,00%	2,54%	2,86%	4,14%	3,54%	3,85%	3,75%	3,88%	4,52%
Cost / income	52,52%	55,27%	44,39%	0,00%	62,41%	33,59%	61,61%	35,01%	54,76%	39,15%	33,92%	43,92%
Cost of assets	1,99%	2,33%	1,85%	0,00%	1,98%	1,86%	2,73%	1,93%	2,47%	2,61%	2,31%	2,09%
Net assets	81 112 869	74 367 646	70 924 637	74 135 443	80 865 313	75 682 614	72 291 907	62 476 239	60 336 891	60 735 201	64 568 193	63 422 543
Average equity	12 416 366	12 370 739	12 649 865	12 347 063	12 240 474	12 417 873	13 200 362	13 005 406	12 794 335	12 753 014	12 940 516	12 557 331
Average % assets	59 151 479	48 722 538	46 980 685	49 912 659	59 199 123	43 595 619	36 340 728	40 602 360	39 655 298	31 538 917	32 802 150	39 093 543
Average % liabilities	68 083 386	61 230 458	57 670 980	60 933 505	67 704 324	62 217 006	58 749 476	49 163 610	47 248 761	47 309 794	51 026 504	50 251 775
NII	400 296	270 012	282 889	271 428	367 944	301 928	333 176	380 348	351 753	220 603	247 480	389 946
NCI	22 548	19 469	21 444	19 658	25 876	21 018	18 650	21 712	26 020	17 053	13 509	18 895
NCI / NII	5,6%	7,2%	7,6%	7,2%	7,0%	7,0%	5,6%	5,7%	7,4%	7,7%	5,5%	4,8%

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.