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

Support our website!



Руб.:

Our subscriptions

Mailing list archive

Our statistics

  • 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
 

BELGORODSOCBANK

add to comparison
Central Bank of Russia registration number: 760  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
RoA0,37%0,58%0,95%0,00%1,69%2,22%1,13%2,50%3,38%4,78%6,15%7,06%
RoE1,75%2,86%4,62%0,00%8,98%12,32%6,08%13,92%18,35%25,33%31,50%36,91%
Leverage
cap. adequacy
4,7 / 21,4%4,9 / 20,4%4,8 / 20,7%5,0 / 19,9%5,3 / 18,8%5,5 / 18,0%5,4 / 18,7%5,6 / 18,0%5,4 / 18,5%5,3 / 18,9%5,1 / 19,5%5,2 / 19,1%
NIM4,67%4,43%4,18%0,00%3,70%3,50%3,49%3,30%4,06%4,31%4,83%4,71%
Return on
assets
8,06%7,46%7,27%0,00%7,47%7,26%7,65%7,67%8,15%8,41%9,03%9,13%
Cost of
liabilities
4,03%3,72%3,71%0,00%4,33%4,34%4,77%5,04%4,78%4,91%5,03%4,93%
Net
spread
4,03%3,74%3,56%0,00%3,14%2,92%2,88%2,63%3,37%3,50%4,00%4,20%
Cost /
income
65,86%64,46%68,43%0,00%70,11%68,92%64,46%68,28%74,32%70,91%68,95%68,61%
Cost of
assets
4,92%4,46%4,19%0,00%4,28%4,12%4,15%4,23%4,88%4,91%5,23%4,92%
Net
assets
6 632 9747 075 9917 152 8567 479 8737 887 8938 126 7197 790 7727 926 9107 577 9857 298 4977 002 9917 092 820
Average
equity
1 420 5591 442 7491 482 6351 486 8061 486 6891 464 8461 453 8691 426 8491 399 2521 377 4511 367 6471 356 498
Average
% assets
5 956 1596 491 7196 561 4836 668 0966 891 8957 191 2656 865 8797 153 5586 895 1946 641 9826 229 4536 314 708
Average
% liabilities
5 098 9005 489 8615 511 0715 806 1346 164 9146 417 6926 065 9576 269 7276 081 8605 830 6655 552 8825 659 038
NII278 302215 925137 41868 160255 468189 110120 11959 041280 323215 149150 46074 432
NCI96 86068 07845 05222 357100 68373 26648 01325 700104 31376 39050 80022 812
NCI / NII34,8%31,5%32,8%32,8%39,4%38,7%40,0%43,5%37,2%35,5%33,8%30,6%

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-0,36%-0,18%0,60%0,00%-0,09%4,48%-0,27%2,50%-0,25%2,53%5,15%7,06%
RoE-1,69%-0,90%2,93%0,00%-0,49%24,90%-1,49%13,92%-1,38%13,44%26,39%36,91%
Leverage
cap. adequacy
4,7 / 21,4%4,9 / 20,4%4,8 / 20,7%5,0 / 19,9%5,3 / 18,8%5,5 / 18,0%5,4 / 18,7%5,6 / 18,0%5,4 / 18,5%5,3 / 18,9%5,1 / 19,5%5,2 / 19,1%
NIM4,18%4,83%4,22%0,00%3,85%3,83%3,55%3,30%3,78%3,89%4,88%4,71%
Return on
assets
7,86%7,68%7,28%0,00%7,17%7,16%7,31%7,67%8,30%8,30%8,80%9,13%
Cost of
liabilities
4,11%3,70%3,68%0,00%3,77%4,01%4,33%5,04%5,02%5,15%5,03%4,93%
Net
spread
3,75%3,98%3,60%0,00%3,40%3,15%2,98%2,63%3,28%3,15%3,77%4,20%
Cost /
income
70,35%58,63%67,63%0,00%73,97%78,50%60,61%68,28%84,96%75,02%69,27%68,61%
Cost of
assets
5,00%4,93%4,32%0,00%4,25%4,47%3,89%4,23%5,41%5,02%5,50%4,92%
Net
assets
6 632 9747 075 9917 152 8567 479 8737 887 8938 126 7197 790 7727 926 9107 577 9857 298 4977 002 9917 092 820
Average
equity
1 420 5591 442 7491 482 6351 486 8061 486 6891 464 8461 453 8691 426 8491 399 2521 377 4511 367 6471 356 498
Average
% assets
5 956 1596 491 7196 561 4836 668 0966 891 8957 191 2656 865 8797 153 5586 895 1946 641 9826 229 4536 314 708
Average
% liabilities
5 098 9005 489 8615 511 0715 806 1346 164 9146 417 6926 065 9576 269 7276 081 8605 830 6655 552 8825 659 038
NII62 37778 50769 25868 16066 35868 99161 07859 04165 17464 68976 02874 432
NCI28 78223 02622 69522 35727 41725 25322 31325 70027 92325 59027 98822 812
NCI / NII46,1%29,3%32,8%32,8%41,3%36,6%36,5%43,5%42,8%39,6%36,8%30,6%

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.