Kuap. Ru - Financial analysis of the bank НИКО-БАНК, key financial ratios, bank's reports analysis

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  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • Belarussian banks - 39
  • Balances (f. 101), ratios (f. 135) and capital (f. 123 and 134) available
    at 1 February 2022
  • Income (f. 102) available
    at 1 January 2022
 

NIKO-BANK

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Central Bank of Russia registration number: 702  complies with 214-FZ (equity construction)

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
RoA1,21%1,40%1,21%0,00%1,20%1,55%1,59%3,25%1,29%1,41%1,00%1,31%
RoE8,55%9,75%8,32%0,00%7,91%9,80%10,13%21,30%8,76%9,99%6,93%10,63%
Leverage
cap. adequacy
7,1 / 14,2%7,0 / 14,4%6,9 / 14,5%6,7 / 14,8%6,6 / 15,2%6,3 / 15,8%6,4 / 15,7%6,5 / 15,3%6,8 / 14,8%7,1 / 14,2%6,9 / 14,5%8,1 / 12,4%
NIM5,34%5,43%5,42%0,00%5,33%5,55%5,70%5,10%5,07%5,17%5,47%5,89%
Return on
assets
8,52%8,57%8,56%0,00%8,84%9,36%9,72%9,63%9,96%10,18%10,62%10,88%
Cost of
liabilities
4,13%4,04%3,89%0,00%4,42%4,78%5,03%5,21%5,50%5,54%5,73%5,53%
Net
spread
4,39%4,53%4,67%0,00%4,42%4,58%4,69%4,42%4,46%4,64%4,89%5,35%
Cost /
income
67,01%63,21%63,68%0,00%62,46%57,13%53,97%48,05%67,84%70,48%73,28%80,05%
Cost of
assets
4,37%4,19%4,19%0,00%4,35%4,21%4,23%3,78%4,95%4,69%5,08%5,76%
Net
assets
13 727 92213 616 59613 928 85713 634 66413 072 36212 437 95012 169 84412 228 57612 195 44812 030 07511 533 56311 691 392
Average
equity
1 946 2071 958 8092 025 7962 020 9031 985 9501 968 9401 911 5951 870 0751 804 8481 704 1641 672 4901 449 781
Average
% assets
12 882 56312 655 82712 494 97412 258 30612 063 08411 386 83611 030 23711 439 72211 520 42011 318 57910 903 43111 006 419
Average
% liabilities
11 634 26311 479 86111 742 97611 442 28310 919 48610 295 38410 073 15410 181 73810 280 54810 221 3989 754 74110 081 312
NII688 289516 060339 030166 309643 991474 486314 503146 007584 698439 288298 465162 291
NCI83 48562 47940 69418 59883 93958 67237 70118 93287 83664 78343 08621 595
NCI / NII12,1%12,1%12,0%11,2%13,0%12,4%12,0%13,0%15,0%14,7%14,4%13,3%

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
RoA0,67%1,73%0,34%0,00%0,38%1,54%-0,08%3,25%1,00%2,31%0,67%1,31%
RoE4,77%12,05%2,37%0,00%2,50%9,73%-0,56%21,30%6,77%16,35%4,66%10,63%
Leverage
cap. adequacy
7,1 / 14,2%7,0 / 14,4%6,9 / 14,5%6,7 / 14,8%6,6 / 15,2%6,3 / 15,8%6,4 / 15,7%6,5 / 15,3%6,8 / 14,8%7,1 / 14,2%6,9 / 14,5%8,1 / 12,4%
NIM5,34%5,59%5,52%0,00%5,62%5,61%6,11%5,10%5,04%4,97%4,99%5,89%
Return on
assets
8,82%8,82%8,69%0,00%8,85%9,25%9,45%9,63%9,83%10,09%10,25%10,88%
Cost of
liabilities
4,55%4,16%3,94%0,00%4,16%4,48%4,80%5,21%5,48%5,69%5,74%5,53%
Net
spread
4,27%4,66%4,75%0,00%4,69%4,77%4,65%4,42%4,35%4,40%4,51%5,35%
Cost /
income
78,31%62,32%69,12%0,00%78,21%63,95%60,37%48,05%62,41%64,85%65,81%80,05%
Cost of
assets
5,14%4,27%4,67%0,00%5,51%4,47%4,55%3,78%5,94%4,30%4,34%5,76%
Net
assets
13 727 92213 616 59613 928 85713 634 66413 072 36212 437 95012 169 84412 228 57612 195 44812 030 07511 533 56311 691 392
Average
equity
1 946 2071 958 8092 025 7962 020 9031 985 9501 968 9401 911 5951 870 0751 804 8481 704 1641 672 4901 449 781
Average
% assets
12 882 56312 655 82712 494 97412 258 30612 063 08411 386 83611 030 23711 439 72211 520 42011 318 57910 903 43111 006 419
Average
% liabilities
11 634 26311 479 86111 742 97611 442 28310 919 48610 295 38410 073 15410 181 73810 280 54810 221 3989 754 74110 081 312
NII172 229177 030172 721166 309169 505159 983168 496146 007145 410140 823136 174162 291
NCI21 00621 78522 09618 59825 26720 97118 76918 93223 05321 69721 49121 595
NCI / NII12,2%12,3%12,8%11,2%14,9%13,1%11,1%13,0%15,9%15,4%15,8%13,3%

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.