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	FOLKSVAGEN BANK RUSI want to buy a report	add to comparison
Central Bank of Russia registration number: 3500  foreign-controlled, retail lending, car loans, complies with 213-FZ (work with state companies)

General information Emissions0 Discuss3

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	3,51%	3,31%	3,24%	0,00%	1,16%	0,95%	1,46%	0,87%	3,86%	4,73%	6,00%	10,16%
RoE	7,62%	7,83%	8,64%	0,00%	3,23%	2,53%	3,95%	2,35%	10,94%	13,07%	16,19%	27,84%
Leverage cap. adequacy	2,2 / 46,1%	2,4 / 42,3%	2,7 / 37,6%	2,9 / 34,5%	2,8 / 36,1%	2,7 / 37,6%	2,7 / 37,2%	2,7 / 37,4%	2,8 / 35,4%	2,8 / 36,2%	2,7 / 37,1%	2,7 / 36,5%
NIM	9,33%	8,87%	7,78%	0,00%	8,20%	8,75%	8,92%	8,00%	8,28%	9,01%	10,56%	13,55%
Return on assets	9,17%	8,90%	8,12%	0,00%	8,59%	9,27%	9,58%	8,61%	10,43%	11,56%	13,39%	17,25%
Cost of liabilities	9,39%	8,77%	7,65%	0,00%	7,17%	7,86%	7,74%	7,77%	7,50%	7,79%	7,96%	7,94%
Net spread	-0,22%	0,13%	0,47%	0,00%	1,42%	1,41%	1,84%	0,84%	2,93%	3,77%	5,43%	9,31%
Cost / income	57,10%	56,18%	57,92%	0,00%	47,31%	43,21%	40,00%	45,02%	40,54%	35,21%	30,31%	19,04%
Cost of assets	3,73%	3,46%	3,07%	0,00%	2,80%	2,81%	2,71%	2,54%	2,79%	2,77%	2,92%	2,39%
Net assets	40 381 288	43 102 569	47 250 415	50 075 940	48 140 330	45 675 396	46 064 870	45 147 660	46 887 718	45 042 179	43 396 609	41 683 599
Average equity	18 614 261	18 247 645	17 748 942	17 297 383	17 360 181	17 179 912	17 124 963	16 865 615	16 578 432	16 297 509	16 087 367	15 214 445
Average % assets	38 155 043	40 186 765	44 894 417	47 450 817	45 323 200	42 793 361	43 119 310	42 489 616	44 770 594	42 916 761	41 889 347	41 378 905
Average % liabilities	19 508 452	22 274 468	26 971 578	30 182 598	28 092 769	25 668 952	26 253 776	25 737 815	27 695 599	26 380 843	25 625 299	25 502 419
NII	3 562 439	2 675 222	1 747 484	856 147	3 720 146	2 808 794	1 923 381	850 660	3 709 280	2 900 138	2 213 388	1 402 668
NCI	45 391	27 617	9 820	0	0	0	0	0	0	0	0	0
NCI / NII	1,3%	1,0%	0,6%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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	3,44%	2,82%	6,36%	0,00%	1,94%	-0,09%	2,07%	0,87%	1,83%	2,62%	2,24%	10,16%
RoE	7,47%	6,68%	16,94%	0,00%	5,40%	-0,26%	5,58%	2,35%	5,20%	7,25%	6,05%	27,84%
Leverage cap. adequacy	2,2 / 46,1%	2,4 / 42,3%	2,7 / 37,6%	2,9 / 34,5%	2,8 / 36,1%	2,7 / 37,6%	2,7 / 37,2%	2,7 / 37,4%	2,8 / 35,4%	2,8 / 36,2%	2,7 / 37,1%	2,7 / 36,5%
NIM	9,30%	9,23%	7,94%	0,00%	8,04%	8,27%	9,95%	8,00%	7,22%	6,40%	7,74%	13,55%
Return on assets	8,56%	8,56%	8,08%	0,00%	8,08%	8,51%	10,67%	8,61%	8,50%	8,53%	9,74%	17,25%
Cost of liabilities	7,52%	7,78%	7,52%	0,00%	7,11%	7,77%	7,86%	7,77%	7,75%	7,90%	8,02%	7,94%
Net spread	1,04%	0,78%	0,56%	0,00%	0,97%	0,74%	2,81%	0,84%	0,75%	0,63%	1,72%	9,31%
Cost / income	59,76%	53,07%	62,13%	0,00%	61,54%	50,75%	36,50%	45,02%	65,06%	54,22%	50,50%	19,04%
Cost of assets	4,01%	3,52%	3,34%	0,00%	3,26%	2,96%	2,91%	2,54%	3,20%	2,62%	3,49%	2,39%
Net assets	40 381 288	43 102 569	47 250 415	50 075 940	48 140 330	45 675 396	46 064 870	45 147 660	46 887 718	45 042 179	43 396 609	41 683 599
Average equity	18 614 261	18 247 645	17 748 942	17 297 383	17 360 181	17 179 912	17 124 963	16 865 615	16 578 432	16 297 509	16 087 367	15 214 445
Average % assets	38 155 043	40 186 765	44 894 417	47 450 817	45 323 200	42 793 361	43 119 310	42 489 616	44 770 594	42 916 761	41 889 347	41 378 905
Average % liabilities	19 508 452	22 274 468	26 971 578	30 182 598	28 092 769	25 668 952	26 253 776	25 737 815	27 695 599	26 380 843	25 625 299	25 502 419
NII	887 217	927 738	891 337	856 147	911 352	885 413	1 072 721	850 660	809 142	686 750	810 720	1 402 668
NCI	17 774	17 797	10 039	0	0	0	0	0	0	0	0	0
NCI / NII	2,0%	1,9%	1,1%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

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.