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Central Bank of Russia registration number: 3515  foreign-controlled, 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	0,10%	0,08%	0,15%	0,00%	0,38%	0,70%	0,70%	-1,71%	0,73%	0,71%	0,92%	1,11%
RoE	0,38%	0,29%	0,50%	0,00%	1,56%	3,37%	3,42%	-7,01%	2,61%	2,87%	3,20%	4,03%
Leverage cap. adequacy	3,6 / 28,1%	3,7 / 27,3%	3,3 / 29,9%	3,7 / 26,7%	4,1 / 24,5%	4,8 / 20,9%	4,9 / 20,5%	4,1 / 24,5%	3,6 / 28,1%	4,0 / 24,8%	3,5 / 28,7%	3,6 / 27,5%
NIM	2,52%	2,54%	2,42%	0,00%	2,33%	1,74%	1,58%	1,51%	1,58%	2,50%	3,56%	2,98%
Return on assets	5,70%	5,28%	4,69%	0,00%	4,83%	3,86%	4,05%	4,88%	5,87%	8,83%	9,75%	7,02%
Cost of liabilities	2,86%	2,43%	2,40%	0,00%	2,17%	1,85%	2,02%	2,87%	4,13%	3,74%	4,52%	4,51%
Net spread	2,84%	2,85%	2,29%	0,00%	2,66%	2,01%	2,03%	2,01%	1,74%	5,09%	5,23%	2,51%
Cost / income	101,54%	92,02%	93,94%	0,00%	83,82%	66,39%	71,51%	605,44%	69,75%	59,03%	53,25%	55,07%
Cost of assets	4,68%	3,92%	3,55%	0,00%	3,60%	2,20%	2,11%	2,61%	3,38%	4,06%	3,74%	2,06%
Net assets	23 500 897	24 069 917	22 005 274	24 550 955	26 955 710	31 573 664	31 796 811	26 264 013	22 997 848	25 643 627	22 146 891	22 915 175
Average equity	6 593 098	6 578 446	6 577 560	6 559 355	6 617 541	6 584 299	6 512 236	6 437 644	6 464 215	6 370 083	6 353 710	6 310 218
Average % assets	14 143 940	14 336 805	14 679 914	15 145 808	16 990 206	22 164 184	22 179 126	18 291 865	15 903 771	11 244 782	11 337 702	19 103 295
Average % liabilities	16 634 496	17 197 429	15 070 912	17 583 078	19 912 256	24 507 442	24 771 234	19 434 794	16 410 445	19 067 756	15 645 290	16 465 645
NII	356 879	273 949	177 627	94 210	397 003	289 555	175 729	69 418	252 774	211 008	201 835	142 454
NCI	87 827	27 781	20 148	9 900	30 273	20 979	13 515	7 659	48 536	38 428	25 237	14 111
NCI / NII	24,6%	10,1%	11,3%	10,5%	7,6%	7,2%	7,7%	11,0%	19,2%	18,2%	12,5%	9,9%

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	0,18%	-0,03%	0,07%	0,00%	-0,94%	0,69%	2,82%	-1,71%	0,55%	0,55%	0,69%	1,11%
RoE	0,67%	-0,12%	0,23%	0,00%	-3,83%	3,35%	13,78%	-7,01%	1,96%	2,21%	2,41%	4,03%
Leverage cap. adequacy	3,6 / 28,1%	3,7 / 27,3%	3,3 / 29,9%	3,7 / 26,7%	4,1 / 24,5%	4,8 / 20,9%	4,9 / 20,5%	4,1 / 24,5%	3,6 / 28,1%	4,0 / 24,8%	3,5 / 28,7%	3,6 / 27,5%
NIM	2,34%	2,68%	2,27%	0,00%	2,52%	2,05%	1,91%	1,51%	1,05%	0,32%	2,09%	2,98%
Return on assets	6,74%	6,24%	4,74%	0,00%	4,22%	3,47%	4,07%	4,88%	4,76%	6,82%	7,67%	7,02%
Cost of liabilities	3,88%	3,10%	2,54%	0,00%	1,87%	1,46%	1,79%	2,87%	3,51%	3,79%	4,30%	4,51%
Net spread	2,86%	3,14%	2,20%	0,00%	2,35%	2,01%	2,28%	2,01%	1,25%	3,03%	3,37%	2,51%
Cost / income	123,93%	89,08%	92,99%	0,00%	137,45%	58,88%	37,31%	605,44%	102,24%	71,76%	51,77%	55,07%
Cost of assets	6,83%	4,48%	3,58%	0,00%	5,80%	2,37%	2,07%	2,61%	4,92%	4,62%	4,01%	2,06%
Net assets	23 500 897	24 069 917	22 005 274	24 550 955	26 955 710	31 573 664	31 796 811	26 264 013	22 997 848	25 643 627	22 146 891	22 915 175
Average equity	6 593 098	6 578 446	6 577 560	6 559 355	6 617 541	6 584 299	6 512 236	6 437 644	6 464 215	6 370 083	6 353 710	6 310 218
Average % assets	14 143 940	14 336 805	14 679 914	15 145 808	16 990 206	22 164 184	22 179 126	18 291 865	15 903 771	11 244 782	11 337 702	19 103 295
Average % liabilities	16 634 496	17 197 429	15 070 912	17 583 078	19 912 256	24 507 442	24 771 234	19 434 794	16 410 445	19 067 756	15 645 290	16 465 645
NII	82 930	96 322	83 417	94 210	107 448	113 826	106 311	69 418	41 766	9 173	59 381	142 454
NCI	60 046	7 633	10 248	9 900	9 294	7 464	5 856	7 659	10 108	13 191	11 126	14 111
NCI / NII	72,4%	7,9%	12,3%	10,5%	8,6%	6,6%	5,5%	11,0%	24,2%	143,8%	18,7%	9,9%

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.