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	SEVASTOPOSKIY MORSKOY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 3528

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	0,00%	5,00%	17,58%	0,00%	-20,19%	-21,14%	-64,59%	-82,87%	5,08%	1,63%	-2,69%	-3,04%
RoE	0,00%	252,95%	570,38%	0,00%	820,09%	570,01%	484,86%	8265,96%	47,34%	26,95%	-49,35%	-53,42%
Leverage cap. adequacy	0,0 / 0,0%	50,5 / 2,0%	32,4 / 3,1%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	9,3 / 10,7%	16,5 / 6,1%	18,3 / 5,5%	17,5 / 5,7%
NIM	0,00%	5,17%	6,46%	0,00%	19,80%	22,02%	6,20%	5,10%	10,33%	12,87%	9,34%	10,66%
Return on assets	0,00%	8,76%	10,06%	0,00%	8,86%	8,21%	11,51%	9,81%	10,33%	11,61%	13,12%	14,20%
Cost of liabilities	0,00%	4,11%	3,59%	0,00%	15,57%	16,45%	3,75%	3,44%	3,10%	2,92%	2,95%	2,69%
Net spread	0,00%	4,65%	6,47%	0,00%	-6,71%	-8,24%	7,76%	6,37%	7,23%	8,69%	10,17%	11,51%
Cost / income	0,00%	133,52%	108,88%	0,00%	59,16%	54,13%	112,50%	107,51%	57,20%	50,95%	98,90%	82,23%
Cost of assets	0,00%	42,44%	49,31%	0,00%	33,64%	30,04%	57,42%	46,92%	13,44%	14,92%	15,49%	13,08%
Net assets	883 101	930 615	1 081 234	1 337 532	2 175 445	2 704 626	2 140 808	3 020 303	4 447 454	4 451 913	4 353 591	4 738 862
Average equity	0	18 422	33 326	0	0	0	0	0	477 720	270 615	237 373	270 142
Average % assets	1 232 314	1 254 342	1 244 705	1 394 388	2 036 481	2 275 045	1 631 623	2 118 135	3 104 738	2 895 759	2 774 176	3 109 313
Average % liabilities	1 078 120	1 107 399	1 262 238	1 620 578	2 457 080	2 960 680	2 363 299	2 955 457	3 906 721	4 103 179	4 045 736	4 401 842
NII	0	48 682	40 260	23 871	403 351	375 729	50 647	27 008	320 847	279 603	129 645	82 877
NCI	0	19 044	16 922	13 768	145 560	113 047	68 992	37 058	185 373	133 323	82 503	39 461
NCI / NII	-	39,1%	42,0%	57,7%	36,1%	30,1%	136,2%	137,2%	57,8%	47,7%	63,6%	47,6%

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	-15,83%	-25,82%	5,46%	0,00%	-1,91%	38,83%	-12,25%	-82,87%	15,42%	10,17%	-2,06%	-3,04%
RoE	667,30%	-1304,80%	177,39%	0,00%	77,94%	-1046,99%	92,02%	8265,96%	143,58%	167,42%	-37,89%	-53,42%
Leverage cap. adequacy	0,0 / 0,0%	50,5 / 2,0%	32,4 / 3,1%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	9,3 / 10,7%	16,5 / 6,1%	18,3 / 5,5%	17,5 / 5,7%
NIM	0,00%	2,68%	5,26%	0,00%	5,42%	57,15%	5,79%	5,10%	5,31%	20,71%	6,74%	10,66%
Return on assets	0,00%	6,30%	8,76%	0,00%	7,92%	8,14%	10,28%	9,81%	8,85%	9,69%	10,33%	14,20%
Cost of liabilities	0,00%	4,13%	3,52%	0,00%	2,81%	43,35%	3,19%	3,44%	3,20%	2,94%	2,98%	2,69%
Net spread	0,00%	2,17%	5,24%	0,00%	5,11%	-35,21%	7,09%	6,37%	5,65%	6,75%	7,35%	11,51%
Cost / income	133,52%	1082,47%	66,23%	0,00%	101,23%	20,69%	123,94%	107,51%	91,81%	26,84%	122,12%	82,23%
Cost of assets	-131,12%	26,12%	39,38%	0,00%	24,58%	21,90%	38,44%	46,92%	13,21%	15,69%	15,99%	13,08%
Net assets	883 101	930 615	1 081 234	1 337 532	2 175 445	2 704 626	2 140 808	3 020 303	4 447 454	4 451 913	4 353 591	4 738 862
Average equity	0	18 422	33 326	0	0	0	0	0	477 720	270 615	237 373	270 142
Average % assets	1 232 314	1 254 342	1 244 705	1 394 388	2 036 481	2 275 045	1 631 623	2 118 135	3 104 738	2 895 759	2 774 176	3 109 313
Average % liabilities	1 078 120	1 107 399	1 262 238	1 620 578	2 457 080	2 960 680	2 363 299	2 955 457	3 906 721	4 103 179	4 045 736	4 401 842
NII	0	8 422	16 389	23 871	27 622	325 082	23 639	27 008	41 244	149 958	46 768	82 877
NCI	0	2 122	3 154	13 768	32 513	44 055	31 934	37 058	52 050	50 820	43 042	39 461
NCI / NII	-	25,2%	19,2%	57,7%	117,7%	13,6%	135,1%	137,2%	126,2%	33,9%	92,0%	47,6%

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.