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Central Bank of Russia registration number: 520  under resolution

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. 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%	-1,95%	0,21%	1,78%	2,56%	4,32%	3,16%	4,41%
RoE	0,00%	-11,58%	1,23%	10,48%	14,65%	24,32%	18,67%	76,71%
Leverage cap. adequacy	5,9 / 16,9%	5,9 / 16,8%	5,8 / 17,1%	5,9 / 17,0%	5,7 / 17,5%	5,6 / 17,8%	5,9 / 16,9%	17,4 / 5,8%
NIM	0,00%	1,48%	1,44%	1,56%	7,09%	8,85%	11,15%	10,77%
Return on assets	0,00%	8,58%	8,36%	8,32%	17,92%	22,54%	29,03%	31,96%
Cost of liabilities	0,00%	9,06%	8,56%	9,18%	12,75%	15,21%	18,63%	8,95%
Net spread	0,00%	-0,48%	-0,20%	-0,86%	5,17%	7,33%	10,40%	23,01%
Cost / income	0,00%	142,50%	161,69%	89,85%	40,56%	26,78%	23,40%	17,18%
Cost of assets	0,00%	3,25%	3,20%	3,60%	4,56%	3,70%	4,18%	2,95%
Net assets	13 395 173	13 691 449	14 668 132	14 551 950	14 208 720	13 595 980	13 790 325	39 767 379
Average equity	2 260 099	2 306 278	2 511 813	2 473 454	2 483 636	2 419 623	2 335 056	2 290 113
Average % assets	8 882 340	9 335 683	10 128 508	10 345 303	10 027 055	9 311 761	9 297 158	14 012 747
Average % liabilities	10 773 769	10 974 998	11 755 884	11 837 896	11 475 853	10 901 256	11 132 875	37 072 558
NII	0	103 860	73 260	40 395	710 966	618 730	518 715	377 366
NCI	0	662	1 105	1 387	12 622	9 250	5 491	2 727
NCI / NII	-	0,6%	1,5%	3,4%	1,8%	1,5%	1,1%	0,7%

Key financial ratios of the bank for the quarter specified

	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	5,98%	-6,30%	-1,34%	1,78%	-2,17%	6,56%	-6,41%	4,41%
RoE	35,46%	-37,44%	-7,85%	10,48%	-12,46%	36,91%	-37,87%	76,71%
Leverage cap. adequacy	5,9 / 16,9%	5,9 / 16,8%	5,8 / 17,1%	5,9 / 17,0%	5,7 / 17,5%	5,6 / 17,8%	5,9 / 16,9%	17,4 / 5,8%
NIM	0,00%	1,31%	1,29%	1,56%	3,67%	4,29%	6,08%	10,77%
Return on assets	0,00%	7,58%	8,22%	8,32%	8,88%	9,64%	9,89%	31,96%
Cost of liabilities	0,00%	8,85%	7,88%	9,18%	7,63%	7,59%	7,45%	8,95%
Net spread	0,00%	-1,27%	0,34%	-0,86%	1,25%	2,05%	2,44%	23,01%
Cost / income	142,50%	109,85%	0,00%	89,85%	121,32%	47,50%	40,33%	17,18%
Cost of assets	-10,27%	2,78%	2,72%	3,60%	7,96%	2,76%	3,87%	2,95%
Net assets	13 395 173	13 691 449	14 668 132	14 551 950	14 208 720	13 595 980	13 790 325	39 767 379
Average equity	2 260 099	2 306 278	2 511 813	2 473 454	2 483 636	2 419 623	2 335 056	2 290 113
Average % assets	8 882 340	9 335 683	10 128 508	10 345 303	10 027 055	9 311 761	9 297 158	14 012 747
Average % liabilities	10 773 769	10 974 998	11 755 884	11 837 896	11 475 853	10 901 256	11 132 875	37 072 558
NII	0	30 600	32 865	40 395	92 236	100 015	141 349	377 366
NCI	0	0	0	1 387	3 372	3 759	2 764	2 727
NCI / NII	-	0,0%	0,0%	3,4%	3,7%	3,8%	2,0%	0,7%

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.