Архив рассылки

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Central Bank of Russia registration number: 77  complies with 214-FZ (equity construction)

General information Emissions1

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	0,62%	0,41%	-0,03%	0,00%	0,51%	0,60%	1,03%	1,68%	0,61%	0,63%	0,14%	-2,98%
RoE	4,11%	3,00%	-0,22%	0,00%	3,88%	4,29%	7,44%	11,85%	4,13%	4,18%	0,97%	-19,18%
Leverage cap. adequacy	6,6 / 15,1%	7,2 / 13,9%	7,4 / 13,5%	7,6 / 13,2%	7,6 / 13,2%	7,1 / 14,0%	7,2 / 13,9%	7,0 / 14,2%	6,8 / 14,8%	6,6 / 15,2%	6,5 / 15,3%	6,4 / 15,5%
NIM	6,71%	7,10%	6,75%	0,00%	5,80%	5,83%	6,08%	4,56%	7,28%	8,21%	7,28%	7,88%
Return on assets	9,01%	8,91%	8,76%	0,00%	8,25%	8,80%	8,73%	8,84%	10,14%	10,72%	11,33%	10,99%
Cost of liabilities	4,14%	3,66%	3,30%	0,00%	3,77%	4,27%	4,39%	4,61%	5,06%	5,27%	5,43%	5,02%
Net spread	4,87%	5,25%	5,46%	0,00%	4,48%	4,53%	4,34%	4,23%	5,08%	5,45%	5,90%	5,97%
Cost / income	64,35%	68,94%	67,17%	0,00%	61,80%	61,22%	55,64%	65,36%	79,69%	76,67%	81,78%	57,59%
Cost of assets	6,60%	6,66%	6,62%	0,00%	5,76%	5,84%	5,71%	5,70%	7,34%	7,94%	8,90%	6,65%
Net assets	17 006 156	17 686 423	18 151 412	18 569 446	18 377 156	17 332 917	17 459 443	16 893 330	16 227 507	15 567 915	14 618 721	14 695 832
Average equity	2 565 298	2 458 668	2 455 264	2 451 822	2 432 738	2 426 313	2 435 331	2 399 118	2 402 323	2 360 113	2 235 066	2 284 726
Average % assets	15 703 781	15 510 078	15 397 550	15 308 078	15 168 348	14 324 887	14 483 223	14 172 371	13 642 452	13 102 228	12 317 221	12 408 853
Average % liabilities	13 973 021	14 765 627	15 168 208	15 572 546	15 355 883	14 285 851	14 473 784	14 001 075	13 356 749	12 760 620	11 980 746	12 019 462
NII	1 053 782	826 819	519 687	220 122	881 014	627 318	440 395	161 574	994 339	807 002	448 582	244 496
NCI	257 421	181 616	120 839	53 802	248 665	154 906	97 627	47 708	200 085	144 839	100 029	42 426
NCI / NII	24,4%	22,0%	23,3%	24,4%	28,2%	24,7%	22,2%	29,5%	20,1%	17,9%	22,3%	17,4%

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	1,18%	1,31%	-0,72%	0,00%	0,35%	-0,28%	0,44%	1,68%	0,62%	1,62%	3,29%	-2,98%
RoE	7,82%	9,46%	-5,38%	0,00%	2,70%	-2,05%	3,20%	11,85%	4,20%	10,70%	21,56%	-19,18%
Leverage cap. adequacy	6,6 / 15,1%	7,2 / 13,9%	7,4 / 13,5%	7,6 / 13,2%	7,6 / 13,2%	7,1 / 14,0%	7,2 / 13,9%	7,0 / 14,2%	6,8 / 14,8%	6,6 / 15,2%	6,5 / 15,3%	6,4 / 15,5%
NIM	5,78%	7,92%	7,78%	0,00%	6,69%	5,21%	7,70%	4,56%	5,49%	10,94%	6,62%	7,88%
Return on assets	9,63%	9,35%	9,02%	0,00%	8,06%	8,76%	8,80%	8,84%	9,68%	10,86%	11,58%	10,99%
Cost of liabilities	4,97%	4,20%	3,50%	0,00%	3,19%	3,89%	4,33%	4,61%	5,13%	5,62%	5,83%	5,02%
Net spread	4,66%	5,15%	5,52%	0,00%	4,87%	4,87%	4,47%	4,23%	4,55%	5,24%	5,75%	5,97%
Cost / income	53,56%	72,72%	59,33%	0,00%	63,34%	76,33%	48,73%	65,36%	91,26%	67,40%	110,19%	57,59%
Cost of assets	6,55%	6,73%	6,72%	0,00%	6,45%	5,90%	5,85%	5,70%	6,95%	7,44%	11,03%	6,65%
Net assets	17 006 156	17 686 423	18 151 412	18 569 446	18 377 156	17 332 917	17 459 443	16 893 330	16 227 507	15 567 915	14 618 721	14 695 832
Average equity	2 565 298	2 458 668	2 455 264	2 451 822	2 432 738	2 426 313	2 435 331	2 399 118	2 402 323	2 360 113	2 235 066	2 284 726
Average % assets	15 703 781	15 510 078	15 397 550	15 308 078	15 168 348	14 324 887	14 483 223	14 172 371	13 642 452	13 102 228	12 317 221	12 408 853
Average % liabilities	13 973 021	14 765 627	15 168 208	15 572 546	15 355 883	14 285 851	14 473 784	14 001 075	13 356 749	12 760 620	11 980 746	12 019 462
NII	226 963	307 132	299 565	220 122	253 696	186 923	278 821	161 574	187 337	358 420	204 086	244 496
NCI	75 805	60 777	67 037	53 802	93 759	57 279	49 919	47 708	55 246	44 810	57 603	42 426
NCI / NII	33,4%	19,8%	22,4%	24,4%	37,0%	30,6%	17,9%	29,5%	29,5%	12,5%	28,2%	17,4%

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 - operational effectiveness ratio, operational expenses divided by operational income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operational 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.