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	EDINAYA RASCHYOTNAYA PALATA (ERP)I want to buy a report	add to comparison
Central Bank of Russia registration number: 384

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs

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	0,30%	0,43%	0,52%	0,00%	0,43%	0,27%	0,21%	0,09%	0,52%	0,60%	0,91%	1,55%
RoE	0,88%	0,77%	0,95%	0,00%	0,92%	0,78%	0,87%	0,60%	2,76%	3,49%	4,20%	5,80%
Leverage cap. adequacy	2,9 / 34,8%	1,8 / 55,6%	1,8 / 55,6%	1,7 / 60,4%	2,1 / 47,7%	2,9 / 34,7%	4,1 / 24,4%	6,4 / 15,5%	5,3 / 18,9%	5,8 / 17,4%	4,6 / 21,7%	3,7 / 26,8%
NIM	2,80%	2,76%	3,42%	0,00%	10,50%	9,04%	8,32%	5,95%	7,27%	10,45%	8,04%	7,68%
Return on assets	3,22%	3,47%	4,60%	0,00%	11,35%	9,64%	8,71%	6,15%	7,27%	10,45%	8,04%	7,68%
Cost of liabilities	0,43%	1,21%	1,32%	0,00%	0,99%	0,53%	0,27%	0,14%	0,00%	0,00%	0,00%	0,00%
Net spread	2,79%	2,26%	3,28%	0,00%	10,36%	9,11%	8,44%	6,01%	7,27%	10,45%	8,04%	7,68%
Cost / income	96,04%	98,61%	92,95%	0,00%	97,83%	99,65%	95,24%	98,46%	93,83%	90,45%	89,03%	83,41%
Cost of assets	38,29%	65,86%	116,10%	0,00%	68,92%	51,54%	38,73%	17,95%	30,22%	46,40%	28,64%	24,27%
Net assets	370 346	231 364	230 972	212 215	268 148	367 652	521 614	816 474	667 860	723 887	575 683	464 187
Average equity	128 790	128 587	128 421	128 175	127 781	127 537	127 295	126 700	126 184	125 738	125 018	124 588
Average % assets	227 306	139 792	87 547	93 529	129 532	177 559	254 353	506 316	332 569	229 572	346 822	390 561
Average % liabilities	220 493	81 624	78 314	55 707	110 856	201 869	358 840	663 165	527 476	579 481	438 660	329 416
NII	6 370	2 895	1 500	732	13 610	12 045	10 590	7 540	24 196	18 003	13 959	7 505
NCI	75 685	63 402	50 538	34 594	68 790	49 820	34 914	14 245	83 016	70 445	41 968	20 933
NCI / NII	1 188,1%	2 190,1%	3 369,2%	4 726,0%	505,4%	413,6%	329,7%	188,9%	343,1%	391,3%	300,7%	278,9%

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	0,42%	0,23%	0,37%	0,00%	0,63%	0,20%	0,28%	0,09%	0,11%	0,36%	0,57%	1,55%
RoE	1,22%	0,42%	0,66%	0,00%	1,33%	0,60%	1,15%	0,60%	0,58%	2,12%	2,63%	5,80%
Leverage cap. adequacy	2,9 / 34,8%	1,8 / 55,6%	1,8 / 55,6%	1,7 / 60,4%	2,1 / 47,7%	2,9 / 34,7%	4,1 / 24,4%	6,4 / 15,5%	5,3 / 18,9%	5,8 / 17,4%	4,6 / 21,7%	3,7 / 26,8%
NIM	6,11%	3,99%	3,50%	0,00%	4,83%	3,27%	4,79%	5,95%	7,44%	7,04%	7,44%	7,68%
Return on assets	6,47%	4,64%	4,64%	0,00%	5,74%	3,99%	5,17%	6,15%	7,44%	7,04%	7,44%	7,68%
Cost of liabilities	0,37%	1,12%	1,27%	0,00%	1,06%	0,62%	0,26%	0,14%	0,00%	0,00%	0,00%	0,00%
Net spread	6,10%	3,52%	3,37%	0,00%	4,68%	3,37%	4,91%	6,01%	7,44%	7,04%	7,44%	7,68%
Cost / income	87,30%	118,78%	121,59%	0,00%	92,21%	112,95%	92,65%	98,46%	109,74%	92,87%	94,88%	83,41%
Cost of assets	31,66%	52,19%	103,99%	0,00%	63,74%	43,64%	41,74%	17,95%	24,81%	52,65%	29,95%	24,27%
Net assets	370 346	231 364	230 972	212 215	268 148	367 652	521 614	816 474	667 860	723 887	575 683	464 187
Average equity	128 790	128 587	128 421	128 175	127 781	127 537	127 295	126 700	126 184	125 738	125 018	124 588
Average % assets	227 306	139 792	87 547	93 529	129 532	177 559	254 353	506 316	332 569	229 572	346 822	390 561
Average % liabilities	220 493	81 624	78 314	55 707	110 856	201 869	358 840	663 165	527 476	579 481	438 660	329 416
NII	3 475	1 395	768	732	1 565	1 455	3 050	7 540	6 193	4 044	6 454	7 505
NCI	12 283	12 864	15 944	34 594	18 970	14 906	20 669	14 245	12 571	28 477	21 035	20 933
NCI / NII	353,5%	922,2%	2 076,0%	4 726,0%	1 212,1%	1 024,5%	677,7%	188,9%	203,0%	704,2%	325,9%	278,9%

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 - 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.