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Central Bank of Russia registration number: 3520

General information Emissions0

Balance Profit Profitability

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	6,61%	0,14%	0,21%	0,00%	0,08%	0,03%	0,04%	5,68%	1,43%	0,47%	1,70%	6,07%
RoE	6,67%	0,14%	0,21%	0,00%	0,08%	0,03%	0,04%	5,69%	1,43%	0,48%	1,71%	6,12%
Leverage cap. adequacy	1,0 / 99,1%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,8%	1,0 / 99,8%	1,0 / 99,7%	1,0 / 99,6%	1,0 / 99,4%	1,0 / 99,2%
NIM	5,42%	2,89%	4,34%	0,00%	4,76%	3,68%	5,53%	18,48%	4,66%	1,72%	6,15%	25,02%
Return on assets	5,44%	2,89%	4,34%	0,00%	4,76%	3,68%	5,53%	18,48%	4,66%	1,72%	6,15%	25,02%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	5,44%	2,89%	4,34%	0,00%	4,76%	3,68%	5,53%	18,48%	4,66%	1,72%	6,15%	25,02%
Cost / income	50,47%	94,93%	94,93%	0,00%	97,50%	98,48%	98,48%	79,89%	79,89%	87,89%	87,89%	87,20%
Cost of assets	6,96%	4,04%	6,06%	0,00%	5,43%	3,65%	5,49%	20,21%	5,10%	3,47%	12,43%	68,77%
Net assets	94 507	92 500	92 435	92 414	92 331	92 304	92 223	92 196	91 608	91 412	38 552	20 932
Average equity	93 649	92 111	92 050	92 030	91 988	91 974	92 018	92 033	91 295	91 050	38 337	20 766
Average % assets	92 838	92 055	92 017	92 005	92 062	92 082	92 003	91 977	91 080	90 782	38 099	20 538
Average % liabilities	0	0	0	0	0	0	0	0	0	0	0	0
NII	5 038	1 999	1 999	4 383	4 383	2 548	2 548	4 250	4 250	1 173	1 173	1 285
NCI	2 777	941	941	747	747	18	18	1 569	1 569	1 521	1 521	2 765
NCI / NII	55,1%	47,1%	47,1%	17,0%	17,0%	0,7%	0,7%	36,9%	36,9%	129,7%	129,7%	215,2%

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	26,04%	0,00%	0,08%	0,00%	0,24%	0,00%	-5,58%	5,68%	4,29%	0,00%	0,10%	6,07%
RoE	26,28%	0,00%	0,08%	0,00%	0,24%	0,00%	-5,59%	5,69%	4,30%	0,00%	0,10%	6,12%
Leverage cap. adequacy	1,0 / 99,1%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,6%	1,0 / 99,8%	1,0 / 99,8%	1,0 / 99,7%	1,0 / 99,6%	1,0 / 99,4%	1,0 / 99,2%
NIM	13,09%	0,00%	0,00%	0,00%	7,97%	0,00%	0,00%	18,48%	13,51%	0,00%	0,00%	25,02%
Return on assets	13,17%	0,00%	0,00%	0,00%	7,97%	0,00%	0,00%	18,48%	13,51%	0,00%	0,00%	25,02%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	13,17%	0,00%	0,00%	0,00%	7,97%	0,00%	0,00%	18,48%	13,51%	0,00%	0,00%	25,02%
Cost / income	37,24%	0,00%	100,95%	0,00%	96,52%	0,00%	65,23%	79,89%	72,99%	0,00%	85,83%	87,20%
Cost of assets	15,84%	0,00%	-9,61%	0,00%	10,75%	0,00%	-9,22%	20,21%	10,01%	0,00%	-12,21%	68,77%
Net assets	94 507	92 500	92 435	92 414	92 331	92 304	92 223	92 196	91 608	91 412	38 552	20 932
Average equity	93 649	92 111	92 050	92 030	91 988	91 974	92 018	92 033	91 295	91 050	38 337	20 766
Average % assets	92 838	92 055	92 017	92 005	92 062	92 082	92 003	91 977	91 080	90 782	38 099	20 538
Average % liabilities	0	0	0	0	0	0	0	0	0	0	0	0
NII	3 039	0	0	4 383	1 835	0	0	4 250	3 077	0	0	1 285
NCI	1 836	0	194	747	729	0	0	1 569	48	0	0	2 765
NCI / NII	60,4%	-	-	17,0%	39,7%	-	-	36,9%	1,6%	-	-	215,2%

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.