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Central Bank of Russia registration number: 415  CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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
• 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	1,53%	1,56%	1,46%	0,00%	1,98%	1,84%	1,75%	1,94%	2,02%	2,18%	2,08%	1,51%
RoE	8,32%	7,87%	7,27%	0,00%	8,83%	8,76%	8,57%	8,73%	9,30%	9,76%	10,20%	8,92%
Leverage cap. adequacy	5,4 / 18,5%	5,0 / 19,9%	5,0 / 20,1%	4,7 / 21,3%	4,5 / 22,4%	4,8 / 21,0%	4,9 / 20,5%	4,5 / 22,3%	4,6 / 21,8%	4,5 / 22,3%	4,9 / 20,4%	5,9 / 17,0%
NIM	2,36%	2,47%	2,32%	0,00%	2,53%	2,43%	2,51%	2,70%	2,87%	2,97%	2,93%	2,59%
Return on assets	4,88%	4,79%	4,62%	0,00%	5,86%	5,68%	5,87%	6,60%	8,12%	8,53%	8,50%	7,28%
Cost of liabilities	2,92%	2,72%	2,63%	0,00%	4,00%	3,89%	3,87%	4,39%	5,21%	5,66%	5,27%	4,53%
Net spread	1,96%	2,07%	1,99%	0,00%	1,86%	1,79%	2,00%	2,21%	2,91%	2,87%	3,23%	2,75%
Cost / income	26,98%	28,09%	29,27%	0,00%	26,12%	26,60%	27,98%	31,94%	25,18%	25,77%	26,05%	28,14%
Cost of assets	0,70%	0,77%	0,77%	0,00%	0,82%	0,79%	0,87%	1,14%	0,99%	1,05%	1,07%	0,88%
Net assets	137 532 038	125 432 986	124 834 666	118 858 486	111 222 765	116 371 627	119 644 750	110 560 250	110 697 092	105 583 346	115 398 577	139 124 987
Average equity	25 422 559	24 944 589	25 064 925	25 293 943	24 939 260	24 453 073	24 541 281	24 614 375	24 138 550	23 587 230	23 568 180	23 593 389
Average % assets	128 902 763	117 092 645	112 702 056	107 007 858	102 628 185	108 954 012	108 523 713	96 545 939	85 150 612	82 526 679	85 531 603	110 217 575
Average % liabilities	111 563 635	100 017 251	98 930 531	92 963 237	85 665 644	91 462 414	94 294 892	85 639 688	86 303 448	81 675 056	91 179 490	115 083 655
NII	3 052 972	2 175 037	1 309 018	572 592	2 600 212	1 991 130	1 366 451	653 930	2 449 723	1 839 220	1 255 917	715 750
NCI	441 506	324 232	203 245	90 687	331 219	243 072	159 675	90 878	353 297	268 130	189 796	69 346
NCI / NII	14,5%	14,9%	15,5%	15,8%	12,7%	12,2%	11,7%	13,9%	14,4%	14,6%	15,1%	9,7%

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	1,86%	1,79%	1,71%	0,00%	2,14%	1,90%	1,72%	1,94%	1,87%	1,98%	2,34%	1,51%
RoE	10,10%	9,01%	8,56%	0,00%	9,55%	9,06%	8,40%	8,73%	8,61%	8,90%	11,46%	8,92%
Leverage cap. adequacy	5,4 / 18,5%	5,0 / 19,9%	5,0 / 20,1%	4,7 / 21,3%	4,5 / 22,4%	4,8 / 21,0%	4,9 / 20,5%	4,5 / 22,3%	4,6 / 21,8%	4,5 / 22,3%	4,9 / 20,4%	5,9 / 17,0%
NIM	2,72%	2,95%	2,61%	0,00%	2,37%	2,29%	2,62%	2,70%	2,86%	2,82%	2,52%	2,59%
Return on assets	6,47%	5,47%	4,80%	0,00%	5,32%	5,36%	5,88%	6,60%	7,68%	7,98%	7,62%	7,28%
Cost of liabilities	4,35%	2,96%	2,51%	0,00%	3,55%	3,67%	3,75%	4,39%	4,77%	5,22%	4,81%	4,53%
Net spread	2,12%	2,51%	2,29%	0,00%	1,77%	1,69%	2,13%	2,21%	2,91%	2,76%	2,81%	2,75%
Cost / income	24,16%	26,22%	27,75%	0,00%	24,63%	23,53%	23,84%	31,94%	23,40%	25,12%	24,05%	28,14%
Cost of assets	0,71%	0,83%	0,81%	0,00%	0,75%	0,65%	0,72%	1,14%	0,92%	0,93%	1,01%	0,88%
Net assets	137 532 038	125 432 986	124 834 666	118 858 486	111 222 765	116 371 627	119 644 750	110 560 250	110 697 092	105 583 346	115 398 577	139 124 987
Average equity	25 422 559	24 944 589	25 064 925	25 293 943	24 939 260	24 453 073	24 541 281	24 614 375	24 138 550	23 587 230	23 568 180	23 593 389
Average % assets	128 902 763	117 092 645	112 702 056	107 007 858	102 628 185	108 954 012	108 523 713	96 545 939	85 150 612	82 526 679	85 531 603	110 217 575
Average % liabilities	111 563 635	100 017 251	98 930 531	92 963 237	85 665 644	91 462 414	94 294 892	85 639 688	86 303 448	81 675 056	91 179 490	115 083 655
NII	877 935	866 019	736 426	572 592	609 082	624 679	712 521	653 930	610 503	583 303	540 167	715 750
NCI	117 274	120 987	112 558	90 687	88 147	83 397	68 797	90 878	85 167	78 334	120 450	69 346
NCI / NII	13,4%	14,0%	15,3%	15,8%	14,5%	13,4%	9,7%	13,9%	14,0%	13,4%	22,3%	9,7%

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.