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Central Bank of Russia registration number: 3522

General information Emissions0

Balance Profit Profitability

Ratios (f. 135) IFRS reports

Financial analysis

• 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	35,32%	49,59%	64,11%	0,00%	51,32%	66,77%	56,89%	52,45%	59,89%	59,68%	53,28%	49,99%
RoE	250,20%	294,57%	283,80%	0,00%	227,63%	249,81%	210,40%	214,43%	297,54%	334,25%	239,50%	368,85%
Leverage cap. adequacy	7,1 / 14,1%	5,9 / 16,8%	4,4 / 22,6%	4,8 / 20,9%	4,4 / 22,5%	3,7 / 26,7%	3,7 / 27,0%	4,1 / 24,5%	5,0 / 20,1%	5,6 / 17,9%	4,5 / 22,2%	7,4 / 13,6%
NIM	19,09%	9,93%	8,61%	0,00%	6,14%	4,92%	7,18%	17,41%	16,01%	13,14%	12,33%	45,66%
Return on assets	18,11%	8,85%	7,03%	0,00%	5,11%	4,16%	6,35%	17,01%	16,18%	13,32%	12,58%	47,61%
Cost of liabilities	0,01%	0,02%	0,02%	0,00%	0,00%	0,00%	0,00%	0,00%	0,05%	0,09%	0,17%	0,23%
Net spread	18,10%	8,83%	7,01%	0,00%	5,11%	4,16%	6,35%	17,01%	16,13%	13,23%	12,41%	47,38%
Cost / income	12,39%	16,05%	14,66%	0,00%	16,85%	18,02%	22,77%	22,39%	17,49%	15,64%	14,79%	14,94%
Cost of assets	82,25%	60,84%	52,12%	0,00%	45,27%	35,43%	54,80%	132,21%	94,17%	61,54%	50,79%	184,88%
Net assets	21 729 696	9 618 910	7 911 654	7 835 922	5 781 725	3 926 519	3 477 955	4 113 897	3 345 059	3 179 357	3 342 064	3 629 424
Average equity	3 067 522	1 619 444	1 787 209	1 636 039	1 303 677	1 049 498	940 429	1 006 295	673 353	567 679	743 529	491 942
Average % assets	1 525 690	1 893 038	1 997 412	1 389 184	1 642 393	1 990 810	1 418 283	632 978	577 887	717 629	775 000	200 000
Average % liabilities	10 557 587	5 620 122	4 287 539	3 642 019	3 247 533	1 967 534	1 814 095	2 317 678	1 934 399	1 332 138	1 112 550	1 676 413
NII	291 270	140 989	86 013	37 046	100 885	73 564	50 975	27 560	92 546	70 742	47 811	22 834
NCI	9 992 709	5 257 135	3 473 002	1 560 369	4 270 476	2 823 872	1 645 055	923 283	3 041 747	2 064 227	1 287 967	598 153
NCI / NII	3 430,7%	3 728,8%	4 037,8%	4 212,0%	4 233,0%	3 838,7%	3 227,2%	3 350,1%	3 286,7%	2 918,0%	2 693,9%	2 619,6%

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	75,41%	43,32%	73,44%	0,00%	69,26%	99,52%	51,74%	52,45%	69,40%	67,02%	52,27%	49,99%
RoE	534,25%	257,31%	325,13%	0,00%	307,20%	372,36%	191,35%	214,43%	344,78%	375,39%	234,95%	368,85%
Leverage cap. adequacy	7,1 / 14,1%	5,9 / 16,8%	4,4 / 22,6%	4,8 / 20,9%	4,4 / 22,5%	3,7 / 26,7%	3,7 / 27,0%	4,1 / 24,5%	5,0 / 20,1%	5,6 / 17,9%	4,5 / 22,2%	7,4 / 13,6%
NIM	39,40%	11,61%	9,80%	0,00%	6,65%	4,53%	6,60%	17,41%	15,09%	12,78%	12,89%	45,66%
Return on assets	39,51%	11,70%	9,87%	0,00%	5,31%	3,44%	5,11%	17,01%	15,09%	12,78%	12,89%	47,61%
Cost of liabilities	0,01%	0,02%	0,03%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,23%
Net spread	39,50%	11,68%	9,84%	0,00%	5,31%	3,44%	5,11%	17,01%	15,09%	12,78%	12,89%	47,38%
Cost / income	8,24%	18,74%	11,24%	0,00%	14,58%	11,47%	23,23%	22,39%	21,47%	17,07%	14,65%	14,94%
Cost of assets	102,37%	72,55%	44,08%	0,00%	53,18%	28,43%	50,13%	132,21%	147,39%	74,93%	53,88%	184,88%
Net assets	21 729 696	9 618 910	7 911 654	7 835 922	5 781 725	3 926 519	3 477 955	4 113 897	3 345 059	3 179 357	3 342 064	3 629 424
Average equity	3 067 522	1 619 444	1 787 209	1 636 039	1 303 677	1 049 498	940 429	1 006 295	673 353	567 679	743 529	491 942
Average % assets	1 525 690	1 893 038	1 997 412	1 389 184	1 642 393	1 990 810	1 418 283	632 978	577 887	717 629	775 000	200 000
Average % liabilities	10 557 587	5 620 122	4 287 539	3 642 019	3 247 533	1 967 534	1 814 095	2 317 678	1 934 399	1 332 138	1 112 550	1 676 413
NII	150 281	54 976	48 967	37 046	27 321	22 589	23 415	27 560	21 804	22 931	24 977	22 834
NCI	4 735 574	1 784 133	1 912 633	1 560 369	1 446 604	1 178 817	721 772	923 283	977 520	776 260	689 814	598 153
NCI / NII	3 151,1%	3 245,3%	3 906,0%	4 212,0%	5 294,8%	5 218,5%	3 082,5%	3 350,1%	4 483,2%	3 385,2%	2 761,8%	2 619,6%

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.