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Central Bank of Russia registration number: 903  retail lending

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	1,43%	1,66%	0,24%	0,00%	2,47%	3,16%	3,07%	3,70%	2,74%	3,18%	4,49%	10,75%
RoE	5,34%	5,90%	0,85%	0,00%	8,06%	9,68%	9,01%	10,91%	7,71%	8,81%	12,00%	28,90%
Leverage cap. adequacy	3,7 / 26,9%	3,5 / 28,2%	3,5 / 28,6%	3,3 / 30,3%	3,3 / 30,7%	3,1 / 32,7%	2,9 / 34,2%	2,9 / 34,0%	2,8 / 35,6%	2,8 / 36,1%	2,7 / 37,4%	2,7 / 37,2%
NIM	6,19%	6,44%	6,66%	0,00%	6,64%	6,92%	7,29%	7,19%	8,39%	8,94%	10,06%	12,30%
Return on assets	8,40%	8,64%	8,78%	0,00%	8,78%	9,25%	9,73%	9,86%	11,11%	11,66%	12,86%	15,21%
Cost of liabilities	2,99%	3,00%	2,92%	0,00%	3,01%	3,35%	3,71%	3,80%	4,12%	4,21%	4,40%	4,45%
Net spread	5,41%	5,64%	5,86%	0,00%	5,77%	5,90%	6,02%	6,06%	6,99%	7,45%	8,46%	10,76%
Cost / income	65,05%	64,63%	65,46%	0,00%	67,61%	67,42%	68,66%	64,56%	56,08%	52,22%	50,87%	39,36%
Cost of assets	5,51%	5,72%	5,90%	0,00%	6,15%	6,40%	6,80%	6,55%	6,57%	6,38%	6,79%	6,18%
Net assets	4 535 615	4 271 388	4 180 211	4 003 161	3 887 820	3 619 129	3 426 718	3 500 950	3 438 723	3 368 702	3 250 162	3 252 932
Average equity	1 221 581	1 205 463	1 197 587	1 211 804	1 194 942	1 182 253	1 170 803	1 189 595	1 222 548	1 216 852	1 216 060	1 210 254
Average % assets	4 266 747	4 036 628	3 894 814	3 767 645	3 650 346	3 410 780	3 243 499	3 267 769	3 151 503	3 077 651	2 922 685	2 914 475
Average % liabilities	3 258 205	3 010 037	2 918 453	2 730 283	2 634 312	2 392 499	2 213 383	2 261 476	2 160 616	2 093 568	1 976 744	1 982 675
NII	264 506	195 252	129 828	65 297	242 418	177 082	118 351	58 803	264 421	206 365	147 080	89 689
NCI	67 082	49 570	31 185	13 803	54 643	37 458	22 940	13 041	61 588	46 227	30 150	15 375
NCI / NII	25,4%	25,4%	24,0%	21,1%	22,5%	21,2%	19,4%	22,2%	23,3%	22,4%	20,5%	17,1%

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	1,04%	4,52%	-3,16%	0,00%	1,07%	3,66%	2,36%	3,70%	1,61%	0,88%	-1,78%	10,75%
RoE	3,89%	16,02%	-11,06%	0,00%	3,50%	11,20%	6,93%	10,91%	4,54%	2,44%	-4,75%	28,90%
Leverage cap. adequacy	3,7 / 26,9%	3,5 / 28,2%	3,5 / 28,6%	3,3 / 30,3%	3,3 / 30,7%	3,1 / 32,7%	2,9 / 34,2%	2,9 / 34,0%	2,8 / 35,6%	2,8 / 36,1%	2,7 / 37,4%	2,7 / 37,2%
NIM	6,49%	6,48%	6,62%	0,00%	7,15%	6,88%	7,34%	7,19%	7,36%	7,70%	7,85%	12,30%
Return on assets	9,10%	8,96%	8,78%	0,00%	9,20%	9,23%	9,54%	9,86%	10,29%	10,54%	10,56%	15,21%
Cost of liabilities	3,62%	3,35%	2,98%	0,00%	2,91%	3,19%	3,53%	3,80%	4,27%	4,32%	4,34%	4,45%
Net spread	5,48%	5,61%	5,80%	0,00%	6,29%	6,04%	6,01%	6,06%	6,02%	6,22%	6,22%	10,76%
Cost / income	66,23%	63,06%	70,84%	0,00%	68,13%	65,04%	73,06%	64,56%	68,73%	55,32%	67,40%	39,36%
Cost of assets	5,91%	5,78%	6,51%	0,00%	6,76%	6,35%	6,99%	6,55%	7,52%	6,18%	7,38%	6,18%
Net assets	4 535 615	4 271 388	4 180 211	4 003 161	3 887 820	3 619 129	3 426 718	3 500 950	3 438 723	3 368 702	3 250 162	3 252 932
Average equity	1 221 581	1 205 463	1 197 587	1 211 804	1 194 942	1 182 253	1 170 803	1 189 595	1 222 548	1 216 852	1 216 060	1 210 254
Average % assets	4 266 747	4 036 628	3 894 814	3 767 645	3 650 346	3 410 780	3 243 499	3 267 769	3 151 503	3 077 651	2 922 685	2 914 475
Average % liabilities	3 258 205	3 010 037	2 918 453	2 730 283	2 634 312	2 392 499	2 213 383	2 261 476	2 160 616	2 093 568	1 976 744	1 982 675
NII	69 254	65 424	64 531	65 297	65 336	58 731	59 548	58 803	58 056	59 285	57 391	89 689
NCI	17 512	18 385	17 382	13 803	17 185	14 518	9 899	13 041	15 361	16 077	14 775	15 375
NCI / NII	25,3%	28,1%	26,9%	21,1%	26,3%	24,7%	16,6%	22,2%	26,5%	27,1%	25,7%	17,1%

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.