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	GOLDMAN SAX BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 3490  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	5,81%	3,12%	4,17%	0,00%	4,15%	2,17%	4,46%	0,02%	3,37%	4,23%	8,12%	9,65%
RoE	28,70%	16,08%	23,31%	0,00%	29,56%	18,45%	36,62%	0,17%	17,69%	18,29%	16,43%	16,59%
Leverage cap. adequacy	4,9 / 20,3%	5,1 / 19,4%	5,6 / 17,9%	6,9 / 14,6%	7,1 / 14,1%	8,5 / 11,8%	8,2 / 12,2%	8,2 / 12,2%	5,2 / 19,1%	4,3 / 23,1%	2,0 / 49,4%	1,7 / 58,2%
NIM	6,72%	5,62%	4,95%	0,00%	4,56%	4,43%	4,50%	4,15%	2,12%	1,95%	3,56%	4,20%
Return on assets	7,81%	6,70%	6,09%	0,00%	5,51%	5,21%	5,70%	6,33%	3,54%	2,92%	5,20%	5,76%
Cost of liabilities	0,99%	1,15%	1,24%	0,00%	0,90%	0,70%	1,02%	1,92%	1,31%	0,90%	1,79%	2,81%
Net spread	6,82%	5,55%	4,85%	0,00%	4,61%	4,51%	4,68%	4,41%	2,23%	2,02%	3,41%	2,95%
Cost / income	62,13%	71,80%	68,54%	0,00%	55,62%	64,89%	52,12%	86,69%	69,83%	69,80%	72,69%	78,86%
Cost of assets	17,67%	15,10%	13,40%	0,00%	8,28%	7,26%	7,63%	7,86%	13,87%	16,94%	59,15%	81,39%
Net assets	38 343 799	36 756 852	38 380 524	43 476 103	42 766 034	46 346 003	42 711 904	38 774 075	24 039 243	18 906 093	8 428 456	6 753 144
Average equity	7 773 705	7 141 765	6 876 466	6 327 863	6 010 105	5 465 784	5 203 473	4 744 136	4 580 124	4 376 309	4 164 458	3 928 374
Average % assets	24 720 664	25 516 226	30 253 263	34 326 173	32 465 568	34 699 016	30 271 656	28 200 234	15 467 645	12 035 556	3 350 751	2 395 251
Average % liabilities	27 007 851	24 047 960	27 869 506	34 323 803	34 058 887	38 259 131	35 630 644	32 001 034	16 669 503	12 840 686	3 065 521	1 327 529
NII	1 663 027	1 075 897	749 135	356 375	1 482 979	1 154 772	681 128	293 098	329 147	176 227	59 753	25 185
NCI	4 105 686	2 491 063	1 827 666	822 271	2 595 212	1 533 373	929 789	420 120	1 772 257	1 218 890	784 280	350 981
NCI / NII	246,9%	231,5%	244,0%	230,7%	175,0%	132,8%	136,5%	143,3%	538,4%	691,7%	1 312,5%	1 393,6%

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	14,28%	0,65%	7,82%	0,00%	9,54%	-1,69%	8,90%	0,02%	3,49%	5,46%	8,50%	9,65%
RoE	70,46%	3,36%	43,65%	0,00%	67,90%	-14,37%	73,08%	0,17%	18,33%	23,61%	17,21%	16,59%
Leverage cap. adequacy	4,9 / 20,3%	5,1 / 19,4%	5,6 / 17,9%	6,9 / 14,6%	7,1 / 14,1%	8,5 / 11,8%	8,2 / 12,2%	8,2 / 12,2%	5,2 / 19,1%	4,3 / 23,1%	2,0 / 49,4%	1,7 / 58,2%
NIM	9,50%	5,12%	5,19%	0,00%	4,04%	5,46%	5,12%	4,15%	3,95%	3,87%	4,12%	4,20%
Return on assets	10,49%	5,67%	5,85%	0,00%	5,33%	5,68%	5,50%	6,33%	7,37%	5,85%	6,29%	5,76%
Cost of liabilities	0,91%	0,58%	0,72%	0,00%	1,23%	0,20%	0,32%	1,92%	3,17%	1,86%	2,37%	2,81%
Net spread	9,58%	5,09%	5,13%	0,00%	4,10%	5,48%	5,18%	4,41%	4,20%	3,99%	3,92%	2,95%
Cost / income	49,18%	80,84%	51,97%	0,00%	41,55%	105,37%	38,09%	86,69%	69,90%	65,05%	67,57%	78,86%
Cost of assets	23,93%	13,51%	12,49%	0,00%	9,82%	8,49%	7,93%	7,86%	15,93%	17,88%	60,13%	81,39%
Net assets	38 343 799	36 756 852	38 380 524	43 476 103	42 766 034	46 346 003	42 711 904	38 774 075	24 039 243	18 906 093	8 428 456	6 753 144
Average equity	7 773 705	7 141 765	6 876 466	6 327 863	6 010 105	5 465 784	5 203 473	4 744 136	4 580 124	4 376 309	4 164 458	3 928 374
Average % assets	24 720 664	25 516 226	30 253 263	34 326 173	32 465 568	34 699 016	30 271 656	28 200 234	15 467 645	12 035 556	3 350 751	2 395 251
Average % liabilities	27 007 851	24 047 960	27 869 506	34 323 803	34 058 887	38 259 131	35 630 644	32 001 034	16 669 503	12 840 686	3 065 521	1 327 529
NII	587 130	326 762	392 760	356 375	328 207	473 644	388 030	293 098	152 920	116 474	34 568	25 185
NCI	1 614 623	663 397	1 005 395	822 271	1 061 839	603 584	509 669	420 120	553 367	434 610	433 299	350 981
NCI / NII	275,0%	203,0%	256,0%	230,7%	323,5%	127,4%	131,3%	143,3%	361,9%	373,1%	1 253,5%	1 393,6%

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.