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Central Bank of Russia registration number: 3535

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	2,99%	2,31%	3,41%	0,00%	8,01%	3,17%	5,61%	23,54%	6,30%	3,81%	7,46%	23,93%
RoE	4,85%	3,49%	5,22%	0,00%	12,15%	4,78%	7,33%	29,12%	7,50%	4,48%	13,86%	61,88%
Leverage cap. adequacy	1,6 / 61,8%	1,5 / 66,2%	1,5 / 65,3%	1,5 / 65,0%	1,5 / 65,9%	1,5 / 66,3%	1,3 / 76,5%	1,2 / 80,8%	1,2 / 83,9%	1,2 / 85,1%	1,9 / 53,8%	2,6 / 38,7%
NIM	3,71%	1,85%	3,47%	0,00%	3,00%	2,19%	3,66%	27,30%	6,58%	3,88%	7,78%	14,88%
Return on assets	5,27%	2,96%	5,56%	0,00%	5,20%	3,64%	6,07%	27,30%	6,58%	3,88%	7,78%	14,88%
Cost of liabilities	12,15%	8,48%	8,98%	0,00%	12,42%	9,72%	14,74%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	-6,88%	-5,52%	-3,42%	0,00%	-7,22%	-6,08%	-8,67%	27,30%	6,58%	3,88%	7,78%	14,88%
Cost / income	86,59%	84,84%	84,84%	0,00%	74,78%	82,71%	82,71%	79,73%	79,73%	74,45%	74,45%	77,21%
Cost of assets	30,42%	22,23%	41,68%	0,00%	42,55%	25,57%	42,66%	164,92%	39,80%	15,38%	30,79%	127,23%
Net assets	181 445	168 227	171 144	172 117	159 399	155 160	131 540	123 667	115 446	112 706	86 404	77 637
Average equity	112 063	111 432	111 765	111 876	105 064	102 794	100 666	99 957	96 916	95 903	46 493	30 024
Average % assets	135 750	122 700	98 175	90 000	100 500	104 000	93 500	90 000	93 225	94 300	70 660	62 780
Average % liabilities	17 503	16 097	22 790	25 021	17 820	15 420	15 262	15 210	14 518	14 288	28 048	32 635
NII	5 037	1 707	1 707	3 016	3 016	1 715	1 715	6 143	6 143	2 749	2 749	2 336
NCI	42 940	22 482	22 482	54 203	54 203	22 407	22 407	40 392	40 392	11 865	11 865	23 527
NCI / NII	852,5%	1 317,0%	1 317,0%	1 797,2%	1 797,2%	1 306,5%	1 306,5%	657,5%	657,5%	431,6%	431,6%	1 007,1%

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	5,56%	0,00%	-23,03%	0,00%	22,79%	0,00%	-10,90%	23,54%	14,04%	0,00%	-6,57%	23,93%
RoE	9,00%	0,00%	-35,27%	0,00%	34,57%	0,00%	-14,24%	29,12%	16,73%	0,00%	-12,22%	61,88%
Leverage cap. adequacy	1,6 / 61,8%	1,5 / 66,2%	1,5 / 65,3%	1,5 / 65,0%	1,5 / 65,9%	1,5 / 66,3%	1,3 / 76,5%	1,2 / 80,8%	1,2 / 83,9%	1,2 / 85,1%	1,9 / 53,8%	2,6 / 38,7%
NIM	9,81%	0,00%	0,00%	0,00%	5,17%	0,00%	0,00%	27,30%	14,56%	0,00%	2,33%	14,88%
Return on assets	13,06%	0,00%	0,00%	0,00%	9,51%	0,00%	0,00%	27,30%	14,56%	0,00%	2,33%	14,88%
Cost of liabilities	25,20%	0,00%	0,00%	0,00%	24,46%	0,00%	29,48%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	-12,14%	0,00%	0,00%	0,00%	-14,95%	0,00%	-29,48%	27,30%	14,56%	0,00%	2,33%	14,88%
Cost / income	88,38%	0,00%	67,44%	0,00%	68,99%	0,00%	76,54%	79,73%	82,15%	0,00%	80,79%	77,21%
Cost of assets	61,39%	0,00%	-90,88%	0,00%	90,82%	0,00%	-73,40%	164,92%	112,52%	0,00%	-51,44%	127,23%
Net assets	181 445	168 227	171 144	172 117	159 399	155 160	131 540	123 667	115 446	112 706	86 404	77 637
Average equity	112 063	111 432	111 765	111 876	105 064	102 794	100 666	99 957	96 916	95 903	46 493	30 024
Average % assets	135 750	122 700	98 175	90 000	100 500	104 000	93 500	90 000	93 225	94 300	70 660	62 780
Average % liabilities	17 503	16 097	22 790	25 021	17 820	15 420	15 262	15 210	14 518	14 288	28 048	32 635
NII	3 330	0	0	3 016	1 301	0	0	6 143	3 394	0	413	2 336
NCI	20 458	0	0	54 203	31 796	0	0	40 392	28 527	0	0	23 527
NCI / NII	614,4%	-	-	1 797,2%	2 444,0%	-	-	657,5%	840,5%	-	0,0%	1 007,1%

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.