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Central Bank of Russia registration number: 784

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	0,00%	0,00%	0,00%	0,00%	1,53%	1,17%	2,40%	-1,08%	1,12%	1,59%	2,43%	3,44%
RoE	0,00%	0,00%	0,00%	0,00%	9,12%	6,51%	12,87%	-5,95%	5,86%	7,88%	11,35%	16,79%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	6,6 / 15,2%	6,5 / 15,3%	5,9 / 16,8%	5,5 / 18,1%	5,3 / 18,7%	5,5 / 18,2%	5,2 / 19,2%	4,9 / 20,3%	4,7 / 21,5%	4,9 / 20,5%
NIM	0,00%	0,00%	0,00%	0,00%	7,02%	6,39%	6,17%	5,78%	5,55%	5,76%	5,96%	5,75%
Return on assets	0,00%	0,00%	0,00%	0,00%	9,91%	10,11%	10,47%	10,11%	9,74%	10,05%	10,47%	10,28%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,23%	4,63%	5,13%	5,23%	5,13%	5,33%	5,57%	5,29%
Net spread	0,00%	0,00%	0,00%	0,00%	5,68%	5,48%	5,34%	4,88%	4,61%	4,72%	4,90%	4,99%
Cost / income	0,00%	0,00%	0,00%	0,00%	85,64%	98,05%	94,12%	137,46%	97,29%	94,09%	88,52%	83,41%
Cost of assets	0,00%	0,00%	0,00%	0,00%	8,46%	8,15%	8,48%	7,24%	9,33%	9,50%	9,62%	9,00%
Net assets	0	0	1 598 787	1 806 580	1 789 994	1 661 095	1 549 540	1 571 852	1 537 556	1 458 194	1 359 033	1 380 272
Average equity	0	0	243 363	276 996	301 515	300 119	289 901	285 494	295 946	295 512	291 817	283 504
Average % assets	0	0	1 427 885	1 497 264	1 447 647	1 326 694	1 241 883	1 289 891	1 240 158	1 175 654	1 094 814	1 094 999
Average % liabilities	0	0	1 342 970	1 504 213	1 472 736	1 350 341	1 243 347	1 270 537	1 225 187	1 153 431	1 058 410	1 086 546
NII	0	0	0	22 891	101 632	63 669	38 354	18 650	68 926	50 845	32 628	15 761
NCI	0	0	0	13 024	44 949	27 033	17 105	8 409	37 057	27 608	16 979	7 827
NCI / NII	-	-	-	56,9%	44,2%	42,5%	44,6%	45,1%	53,8%	54,3%	52,0%	49,7%

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	0,00%	0,00%	10,92%	0,00%	2,87%	-0,96%	5,91%	-1,08%	-0,03%	0,24%	1,37%	3,44%
RoE	0,00%	0,00%	71,78%	0,00%	17,04%	-5,32%	31,61%	-5,95%	-0,16%	1,22%	6,39%	16,79%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	6,6 / 15,2%	6,5 / 15,3%	5,9 / 16,8%	5,5 / 18,1%	5,3 / 18,7%	5,5 / 18,2%	5,2 / 19,2%	4,9 / 20,3%	4,7 / 21,5%	4,9 / 20,5%
NIM	0,00%	0,00%	0,00%	0,00%	10,48%	7,63%	6,34%	5,78%	5,83%	6,19%	6,16%	5,75%
Return on assets	0,00%	0,00%	0,00%	0,00%	11,84%	10,74%	10,43%	10,11%	10,37%	10,65%	10,66%	10,28%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	4,20%	4,46%	4,91%	5,23%	5,44%	5,79%	5,70%	5,29%
Net spread	0,00%	0,00%	0,00%	0,00%	7,64%	6,28%	5,52%	4,88%	4,93%	4,86%	4,96%	4,99%
Cost / income	0,00%	0,00%	0,00%	0,00%	68,81%	105,96%	75,47%	137,46%	106,51%	104,84%	93,55%	83,41%
Cost of assets	0,00%	0,00%	-8,22%	0,00%	11,55%	8,76%	9,51%	7,24%	10,53%	10,84%	10,24%	9,00%
Net assets	0	0	1 598 787	1 806 580	1 789 994	1 661 095	1 549 540	1 571 852	1 537 556	1 458 194	1 359 033	1 380 272
Average equity	0	0	243 363	276 996	301 515	300 119	289 901	285 494	295 946	295 512	291 817	283 504
Average % assets	0	0	1 427 885	1 497 264	1 447 647	1 326 694	1 241 883	1 289 891	1 240 158	1 175 654	1 094 814	1 094 999
Average % liabilities	0	0	1 342 970	1 504 213	1 472 736	1 350 341	1 243 347	1 270 537	1 225 187	1 153 431	1 058 410	1 086 546
NII	0	0	0	22 891	37 963	25 315	19 704	18 650	18 081	18 217	16 867	15 761
NCI	0	0	0	13 024	17 916	9 928	8 696	8 409	9 449	10 629	9 152	7 827
NCI / NII	-	-	-	56,9%	47,2%	39,2%	44,1%	45,1%	52,3%	58,3%	54,3%	49,7%

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.