Mailing list archive

	EPL (ELECTRONIC PAYMENT SERVICE)I want to buy a report	add to comparison
Central Bank of Russia registration number: 3509

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

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	0,00%	0,00%	0,00%	0,00%	-9,61%	-4,03%	-1,14%	2,58%	10,62%	14,29%	12,11%	15,48%
RoE	0,00%	0,00%	0,00%	0,00%	-53,27%	-22,74%	-6,96%	19,54%	79,50%	129,94%	201,23%	129,36%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	5,9 / 16,9%	6,3 / 15,8%	5,5 / 18,0%	5,6 / 17,8%	6,1 / 16,4%	7,6 / 13,2%	7,5 / 13,4%	9,1 / 11,0%	16,6 / 6,0%	8,4 / 12,0%
NIM	0,00%	0,00%	0,00%	0,00%	1,79%	1,41%	1,59%	0,00%	2,67%	6,44%	9,12%	7,97%
Return on assets	0,00%	0,00%	0,00%	0,00%	4,45%	3,81%	6,01%	2,96%	2,67%	6,44%	9,12%	7,97%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,13%	19,22%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	0,00%	0,00%	0,00%	0,32%	-15,41%	6,01%	2,96%	2,67%	6,44%	9,12%	7,97%
Cost / income	0,00%	0,00%	0,00%	0,00%	129,23%	123,11%	91,17%	65,40%	40,61%	27,79%	25,74%	29,50%
Cost of assets	0,00%	0,00%	0,00%	0,00%	23,33%	17,91%	26,15%	16,36%	14,45%	23,05%	27,06%	18,32%
Net assets	0	0	645 535	650 887	741 437	904 472	1 077 750	1 280 018	1 218 615	1 174 827	1 359 694	868 792
Average equity	0	0	108 817	102 856	133 755	160 651	176 785	169 257	162 902	129 283	81 840	104 011
Average % assets	0	0	434 000	460 625	510 750	674 875	481 250	848 500	826 186	357 010	272 315	367 737
Average % liabilities	0	0	284 410	297 977	328 578	84 317	0	0	0	417	557	557
NII	0	0	0	2 386	9 154	7 159	3 836	0	22 104	17 245	12 429	7 328
NCI	0	0	0	13 447	58 157	54 356	58 142	53 695	259 458	195 276	124 141	46 155
NCI / NII	-	-	-	563,6%	635,3%	759,3%	1 515,7%	-	1 173,8%	1 132,4%	998,8%	629,8%

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	0,00%	0,00%	-5,39%	0,00%	-23,65%	-9,39%	-5,35%	2,58%	1,15%	14,86%	14,32%	15,48%
RoE	0,00%	0,00%	-31,99%	0,00%	-131,13%	-52,89%	-32,64%	19,54%	8,65%	135,05%	238,05%	129,36%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	5,9 / 16,9%	6,3 / 15,8%	5,5 / 18,0%	5,6 / 17,8%	6,1 / 16,4%	7,6 / 13,2%	7,5 / 13,4%	9,1 / 11,0%	16,6 / 6,0%	8,4 / 12,0%
NIM	0,00%	0,00%	0,00%	0,00%	1,56%	1,96%	5,48%	0,00%	2,35%	5,39%	7,49%	7,97%
Return on assets	0,00%	0,00%	0,00%	0,00%	2,69%	2,87%	6,80%	2,96%	2,35%	5,39%	7,49%	7,97%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	1,75%	7,23%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	0,00%	0,00%	0,00%	0,94%	-4,36%	6,80%	2,96%	2,35%	5,39%	7,49%	7,97%
Cost / income	0,00%	0,00%	107,31%	0,00%	153,51%	599,04%	176,99%	65,40%	80,24%	31,50%	23,24%	29,50%
Cost of assets	0,00%	0,00%	-21,64%	0,00%	22,33%	16,44%	23,45%	16,36%	27,92%	27,87%	29,38%	18,32%
Net assets	0	0	645 535	650 887	741 437	904 472	1 077 750	1 280 018	1 218 615	1 174 827	1 359 694	868 792
Average equity	0	0	108 817	102 856	133 755	160 651	176 785	169 257	162 902	129 283	81 840	104 011
Average % assets	0	0	434 000	460 625	510 750	674 875	481 250	848 500	826 186	357 010	272 315	367 737
Average % liabilities	0	0	284 410	297 977	328 578	84 317	0	0	0	417	557	557
NII	0	0	0	2 386	1 995	3 323	6 599	0	4 859	4 816	5 101	7 328
NCI	0	0	0	13 447	3 801	0	4 447	53 695	64 182	71 135	77 986	46 155
NCI / NII	-	-	-	563,6%	190,5%	0,0%	67,4%	-	1 320,9%	1 477,1%	1 528,8%	629,8%

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 - 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.