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Central Bank of Russia registration number: 912  under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	-6,78%	-0,50%	3,14%	0,00%	5,33%	-3,04%	0,50%	1,34%	-40,83%	-61,21%	-75,29%	-75,00%
RoE	-124,99%	-6,78%	36,79%	0,00%	71,32%	-36,06%	5,20%	14,23%	-532,16%	-1864,78%	374,15%	65316,45%
Leverage cap. adequacy	18,4 / 5,4%	13,3 / 7,5%	11,7 / 8,6%	13,2 / 7,6%	13,4 / 7,5%	11,8 / 8,4%	10,2 / 9,8%	10,6 / 9,4%	13,0 / 7,7%	30,5 / 3,3%	0,0 / 0,0%	0,0 / 0,0%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	2,57%
Return on assets	4,48%	4,43%	4,39%	0,00%	4,84%	4,78%	4,70%	4,78%	5,79%	6,29%	8,66%	8,89%
Cost of liabilities	6,73%	6,23%	6,12%	0,00%	14,29%	16,91%	14,70%	16,65%	8,37%	8,15%	6,77%	6,05%
Net spread	-2,25%	-1,80%	-1,73%	0,00%	-9,45%	-12,13%	-10,00%	-11,87%	-2,58%	-1,86%	1,89%	2,84%
Cost / income	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	211,60%	185,50%	22,91%	10,18%
Cost of assets	4,65%	3,06%	2,91%	0,00%	3,63%	3,23%	3,03%	2,94%	3,45%	3,41%	5,13%	3,89%
Net assets	244 403 221	251 331 651	256 351 343	259 520 082	269 474 604	281 784 213	291 898 260	286 790 265	287 384 109	275 552 976	219 500 463	269 533 239
Average equity	13 256 658	18 890 462	21 938 474	19 648 450	20 166 528	23 800 012	28 487 193	26 999 710	22 050 469	9 045 358	0	0
Average % assets	324 462 855	325 239 175	325 773 180	332 307 103	341 526 147	354 795 556	368 477 358	366 406 067	373 846 147	337 994 111	230 037 239	226 609 052
Average % liabilities	228 482 646	229 795 874	231 274 199	236 489 688	245 903 087	253 989 024	258 743 379	255 184 703	261 972 426	263 943 506	262 397 063	267 262 267
NII	0	0	0	0	0	0	0	0	0	0	0	1 456 816
NCI	4 197 640	3 213 546	2 230 725	950 081	3 388 580	2 466 509	1 356 831	756 698	2 800 489	2 056 038	1 415 869	701 811
NCI / NII	-	-	-	-	-	-	-	-	-	-	-	48,2%

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	-25,54%	-7,95%	4,58%	0,00%	30,90%	-10,19%	-0,30%	1,34%	12,75%	-63,69%	-58,47%	-75,00%
RoE	-471,00%	-105,81%	53,56%	0,00%	412,98%	-120,67%	-3,08%	14,23%	166,20%	-1940,23%	290,58%	65316,45%
Leverage cap. adequacy	18,4 / 5,4%	13,3 / 7,5%	11,7 / 8,6%	13,2 / 7,6%	13,4 / 7,5%	11,8 / 8,4%	10,2 / 9,8%	10,6 / 9,4%	13,0 / 7,7%	30,5 / 3,3%	0,0 / 0,0%	0,0 / 0,0%
NIM	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	2,57%
Return on assets	4,62%	4,50%	4,38%	0,00%	4,46%	4,55%	4,66%	4,78%	6,11%	7,08%	8,55%	8,89%
Cost of liabilities	8,14%	6,36%	5,66%	0,00%	4,76%	20,80%	12,97%	16,65%	8,84%	11,01%	7,37%	6,05%
Net spread	-3,52%	-1,86%	-1,28%	0,00%	-0,30%	-16,25%	-8,31%	-11,87%	-2,73%	-3,93%	1,18%	2,84%
Cost / income	0,00%	0,00%	623,63%	0,00%	9,57%	0,00%	0,00%	0,00%	333,09%	0,00%	0,00%	10,18%
Cost of assets	9,32%	3,37%	3,60%	0,00%	4,35%	3,42%	3,18%	2,94%	3,84%	3,49%	5,52%	3,89%
Net assets	244 403 221	251 331 651	256 351 343	259 520 082	269 474 604	281 784 213	291 898 260	286 790 265	287 384 109	275 552 976	219 500 463	269 533 239
Average equity	13 256 658	18 890 462	21 938 474	19 648 450	20 166 528	23 800 012	28 487 193	26 999 710	22 050 469	9 045 358	0	0
Average % assets	324 462 855	325 239 175	325 773 180	332 307 103	341 526 147	354 795 556	368 477 358	366 406 067	373 846 147	337 994 111	230 037 239	226 609 052
Average % liabilities	228 482 646	229 795 874	231 274 199	236 489 688	245 903 087	253 989 024	258 743 379	255 184 703	261 972 426	263 943 506	262 397 063	267 262 267
NII	0	0	0	0	0	0	0	0	0	0	0	1 456 816
NCI	984 094	982 821	1 280 644	950 081	922 071	1 109 678	600 133	756 698	744 451	640 169	714 058	701 811
NCI / NII	-	-	-	-	-	-	-	-	-	-	-	48,2%

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.