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	KOREA EXCHANGE BANK RUSI want to buy a research	добавить к сравнению
Central Bank of Russia registration number: 3525  ausländisch beherrschten

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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	0,83%	0,87%	0,94%	0,00%	0,34%	0,46%	0,41%	0,38%	0,48%	0,86%	1,01%	0,85%
RoE	7,80%	8,00%	8,68%	0,00%	3,42%	3,41%	2,59%	6,73%	6,04%	8,53%	10,95%	11,58%
Leverage cap. adequacy	9,3 / 10,7%	9,1 / 11,0%	9,2 / 10,9%	10,6 / 9,4%	10,0 / 10,0%	7,4 / 13,5%	6,3 / 16,0%	17,7 / 5,6%	12,4 / 8,1%	9,9 / 10,1%	10,8 / 9,3%	13,5 / 7,4%
NIM	1,09%	1,29%	1,39%	0,00%	0,83%	1,00%	1,21%	1,27%	1,98%	2,57%	2,51%	1,77%
Return on assets	4,04%	3,84%	3,88%	0,00%	2,57%	3,11%	4,10%	4,66%	5,29%	6,72%	6,64%	5,09%
Cost of liabilities	3,10%	2,70%	2,58%	0,00%	1,74%	2,08%	2,98%	3,00%	3,27%	4,13%	4,10%	3,29%
Net spread	0,94%	1,14%	1,30%	0,00%	0,83%	1,03%	1,12%	1,66%	2,02%	2,59%	2,54%	1,80%
Cost / income	35,62%	34,73%	32,93%	0,00%	42,61%	48,84%	56,25%	61,15%	74,09%	70,18%	64,61%	64,27%
Cost of assets	0,52%	0,51%	0,52%	0,00%	0,43%	0,64%	0,92%	1,13%	1,75%	2,12%	1,93%	1,52%
Net assets	44 973 381	45 362 353	45 241 477	52 600 020	50 794 500	36 949 545	25 090 899	20 541 430	14 216 200	11 417 347	11 952 736	14 718 035
Average equity	4 823 276	4 981 000	4 921 338	4 963 172	5 065 126	5 005 122	4 006 253	1 159 653	1 147 825	1 151 208	1 111 619	1 089 606
Average % assets	41 995 486	42 650 906	41 711 189	48 993 130	45 529 848	31 488 083	21 582 444	17 036 117	12 816 736	10 140 576	10 715 561	13 471 045
Average % liabilities	39 973 600	40 214 975	40 154 160	47 476 632	45 643 745	31 879 174	20 998 115	19 289 755	13 003 390	10 196 867	10 767 104	13 549 047
NII	458 989	414 794	291 596	149 086	380 121	237 551	130 746	54 479	254 877	196 123	134 615	59 805
NCI	22 516	17 634	11 708	5 021	19 437	13 837	10 046	5 201	26 854	19 699	12 629	6 532
NCI / NII	4,9%	4,3%	4,0%	3,4%	5,1%	5,8%	7,7%	9,5%	10,5%	10,0%	9,4%	10,9%

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	0,68%	0,75%	0,79%	0,00%	0,35%	0,82%	0,51%	0,38%	-0,11%	0,44%	0,98%	0,85%
RoE	6,40%	6,86%	7,35%	0,00%	3,59%	6,07%	3,24%	6,73%	-1,48%	4,42%	10,55%	11,58%
Leverage cap. adequacy	9,3 / 10,7%	9,1 / 11,0%	9,2 / 10,9%	10,6 / 9,4%	10,0 / 10,0%	7,4 / 13,5%	6,3 / 16,0%	17,7 / 5,6%	12,4 / 8,1%	9,9 / 10,1%	10,8 / 9,3%	13,5 / 7,4%
NIM	0,42%	1,15%	1,36%	0,00%	1,25%	1,35%	1,41%	1,27%	1,83%	2,42%	2,79%	1,77%
Return on assets	4,46%	3,93%	3,65%	0,00%	3,85%	3,71%	4,51%	4,66%	5,24%	6,12%	6,88%	5,09%
Cost of liabilities	4,24%	2,95%	2,38%	0,00%	2,59%	2,33%	3,20%	3,00%	3,38%	3,71%	4,06%	3,29%
Net spread	0,22%	0,98%	1,27%	0,00%	1,26%	1,38%	1,31%	1,66%	1,86%	2,41%	2,82%	1,80%
Cost / income	38,58%	38,92%	34,69%	0,00%	30,24%	38,97%	52,33%	61,15%	86,42%	83,03%	64,95%	64,27%
Cost of assets	0,52%	0,51%	0,55%	0,00%	0,41%	0,65%	0,95%	1,13%	1,96%	2,28%	1,96%	1,52%
Net assets	44 973 381	45 362 353	45 241 477	52 600 020	50 794 500	36 949 545	25 090 899	20 541 430	14 216 200	11 417 347	11 952 736	14 718 035
Average equity	4 823 276	4 981 000	4 921 338	4 963 172	5 065 126	5 005 122	4 006 253	1 159 653	1 147 825	1 151 208	1 111 619	1 089 606
Average % assets	41 995 486	42 650 906	41 711 189	48 993 130	45 529 848	31 488 083	21 582 444	17 036 117	12 816 736	10 140 576	10 715 561	13 471 045
Average % liabilities	39 973 600	40 214 975	40 154 160	47 476 632	45 643 745	31 879 174	20 998 115	19 289 755	13 003 390	10 196 867	10 767 104	13 549 047
NII	44 195	123 198	142 510	149 086	142 570	106 805	76 267	54 479	58 754	61 508	74 810	59 805
NCI	4 882	5 926	6 687	5 021	5 600	3 791	4 845	5 201	7 155	7 070	6 097	6 532
NCI / NII	11,0%	4,8%	4,7%	3,4%	3,9%	3,5%	6,4%	9,5%	12,2%	11,5%	8,1%	10,9%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.