Архив рассылки

	BMW BANKI want to buy a research	добавить к сравнению
Central Bank of Russia registration number: 3482  ausländisch beherrschten, Retailbank, Autokrediten

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	1,18%	2,22%	1,86%	0,00%	1,15%	0,89%	0,01%	0,11%	3,63%	5,30%	7,64%	12,31%
RoE	8,91%	16,21%	13,80%	0,00%	8,38%	6,76%	0,11%	0,83%	25,12%	34,12%	48,15%	81,79%
Leverage cap. adequacy	7,5 / 13,3%	7,3 / 13,7%	7,4 / 13,5%	7,2 / 13,9%	7,3 / 13,8%	7,5 / 13,3%	7,4 / 13,5%	7,2 / 13,9%	6,9 / 14,5%	6,4 / 15,5%	6,3 / 15,9%	6,6 / 15,1%
NIM	5,08%	4,97%	4,91%	0,00%	4,70%	4,13%	4,09%	4,69%	4,44%	4,75%	4,79%	5,69%
Return on assets	8,15%	8,15%	8,07%	0,00%	8,79%	8,67%	9,14%	10,04%	9,13%	9,40%	9,68%	9,64%
Cost of liabilities	4,47%	4,77%	5,00%	0,00%	5,39%	5,51%	5,84%	5,86%	6,19%	6,86%	7,28%	7,31%
Net spread	3,68%	3,38%	3,07%	0,00%	3,40%	3,16%	3,30%	4,18%	2,94%	2,54%	2,40%	2,33%
Cost / income	44,32%	43,32%	40,05%	0,00%	47,37%	52,50%	52,96%	44,47%	40,92%	43,48%	39,26%	25,41%
Cost of assets	1,68%	1,64%	1,56%	0,00%	1,79%	1,74%	1,78%	1,74%	1,85%	1,99%	2,14%	1,95%
Net assets	68 725 509	64 668 879	60 883 370	56 203 159	54 437 741	52 565 003	49 437 249	48 546 720	44 757 130	40 342 395	38 050 418	37 299 157
Average equity	9 118 852	8 863 745	8 205 899	7 796 069	7 491 454	6 979 339	6 681 465	6 739 059	6 469 150	6 270 109	6 038 491	5 614 366
Average % assets	61 088 016	57 824 771	55 392 535	48 749 329	48 953 455	49 096 881	46 478 722	42 667 446	41 193 352	38 554 163	36 546 295	35 901 185
Average % liabilities	57 980 982	54 207 950	51 066 432	46 930 769	45 592 623	44 275 781	41 459 606	40 722 229	37 659 438	33 767 329	31 654 486	31 183 162
NII	3 108 180	2 157 710	1 360 267	569 430	2 301 309	1 521 698	952 607	501 090	1 832 979	1 373 816	876 275	511 587
NCI	236 113	168 454	107 527	45 466	88 559	79 230	41 485	14 015	34 017	23 207	33 335	43 573
NCI / NII	7,6%	7,8%	7,9%	8,0%	3,8%	5,2%	4,4%	2,8%	1,9%	1,7%	3,8%	8,5%

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%	3,16%	2,11%	0,00%	2,01%	2,66%	-0,08%	0,11%	0,18%	1,49%	3,21%	12,31%
RoE	-11,59%	23,07%	15,67%	0,00%	14,65%	20,07%	-0,61%	0,83%	1,29%	9,61%	20,25%	81,79%
Leverage cap. adequacy	7,5 / 13,3%	7,3 / 13,7%	7,4 / 13,5%	7,2 / 13,9%	7,3 / 13,8%	7,5 / 13,3%	7,4 / 13,5%	7,2 / 13,9%	6,9 / 14,5%	6,4 / 15,5%	6,3 / 15,9%	6,6 / 15,1%
NIM	6,22%	5,51%	5,71%	0,00%	6,37%	4,63%	3,88%	4,69%	4,45%	5,16%	3,99%	5,69%
Return on assets	9,45%	8,98%	8,46%	0,00%	9,07%	8,70%	9,06%	10,04%	10,12%	9,84%	9,89%	9,64%
Cost of liabilities	4,52%	4,89%	5,08%	0,00%	5,53%	5,57%	5,94%	5,86%	6,32%	6,94%	7,35%	7,31%
Net spread	4,93%	4,09%	3,38%	0,00%	3,54%	3,13%	3,12%	4,18%	3,80%	2,90%	2,54%	2,33%
Cost / income	46,81%	49,57%	34,42%	0,00%	37,49%	51,68%	62,79%	44,47%	34,71%	56,27%	69,73%	25,41%
Cost of assets	2,03%	1,93%	1,59%	0,00%	1,93%	1,87%	1,96%	1,74%	1,83%	1,91%	2,38%	1,95%
Net assets	68 725 509	64 668 879	60 883 370	56 203 159	54 437 741	52 565 003	49 437 249	48 546 720	44 757 130	40 342 395	38 050 418	37 299 157
Average equity	9 118 852	8 863 745	8 205 899	7 796 069	7 491 454	6 979 339	6 681 465	6 739 059	6 469 150	6 270 109	6 038 491	5 614 366
Average % assets	61 088 016	57 824 771	55 392 535	48 749 329	48 953 455	49 096 881	46 478 722	42 667 446	41 193 352	38 554 163	36 546 295	35 901 185
Average % liabilities	57 980 982	54 207 950	51 066 432	46 930 769	45 592 623	44 275 781	41 459 606	40 722 229	37 659 438	33 767 329	31 654 486	31 183 162
NII	950 470	797 443	790 837	569 430	779 611	569 091	451 517	501 090	459 163	497 541	364 688	511 587
NCI	67 659	60 927	62 061	45 466	9 329	37 745	27 470	14 015	10 810	0	0	43 573
NCI / NII	7,1%	7,6%	7,8%	8,0%	1,2%	6,6%	6,1%	2,8%	2,4%	0,0%	0,0%	8,5%

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.