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

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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
 

UNICREDIT BANK

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Central Bank of Russia registration number: 1  foreign-controlledCB RF representativesystemically importantcomplies with 214-FZ (equity construction)complies with 213-FZ (work with state companies)complies with 185-FZ (work with housing and utilities infrastructure)

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
RoA1,24%1,82%1,58%0,00%0,77%0,67%0,37%1,51%0,68%0,74%0,49%0,30%
RoE7,17%10,47%9,79%0,00%4,94%4,33%2,62%9,98%4,47%5,08%3,53%2,06%
Leverage
cap. adequacy
5,8 / 17,3%5,7 / 17,4%6,2 / 16,2%6,3 / 15,9%6,4 / 15,7%6,4 / 15,7%7,0 / 14,2%6,6 / 15,1%6,5 / 15,3%6,8 / 14,7%7,2 / 13,9%6,9 / 14,6%
NIM3,67%3,82%3,60%0,00%3,63%3,46%2,98%3,16%3,18%3,00%2,92%3,12%
Return on
assets
5,75%5,77%5,29%0,00%6,08%6,13%5,79%6,38%7,19%7,10%6,95%6,92%
Cost of
liabilities
2,41%2,21%1,93%0,00%2,79%3,08%3,15%3,53%4,53%4,59%4,42%4,41%
Net
spread
3,34%3,56%3,36%0,00%3,29%3,05%2,64%2,85%2,66%2,51%2,53%2,51%
Cost /
income
48,86%46,46%45,87%0,00%38,14%36,77%36,57%29,36%50,21%48,11%49,55%49,18%
Cost of
assets
2,17%2,18%2,02%0,00%1,89%1,81%1,62%1,60%1,90%1,77%1,66%1,54%
Net
assets
1 214 102 5721 199 416 1661 266 907 2351 319 030 9111 327 033 5521 337 488 5331 486 457 1191 372 342 4321 317 181 5271 338 905 4551 395 726 9611 368 244 624
Average
equity
209 890 334208 707 760205 396 817209 124 045208 190 199209 451 093211 658 887207 703 079201 205 104197 209 530194 425 546199 459 288
Average
% assets
1 024 556 6701 003 497 5171 081 540 6951 110 135 0671 102 718 8041 138 356 6631 264 382 1521 184 432 1671 179 025 2571 211 618 6571 242 253 5121 217 298 761
Average
% liabilities
937 176 831920 746 225984 083 5751 020 374 6791 015 508 2411 028 151 8101 175 425 5191 090 706 3251 065 707 6051 088 794 9991 145 150 9841 110 716 257
NII37 603 21028 755 91819 477 7119 880 37840 086 08329 565 98618 870 8259 380 61637 557 57527 318 58318 162 9799 511 139
NCI6 964 6185 230 1293 578 6221 867 6397 444 9395 473 2003 847 8901 851 7839 153 5966 485 8624 260 2992 104 072
NCI / NII18,5%18,2%18,4%18,9%18,6%18,5%20,4%19,7%24,4%23,7%23,5%22,1%

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-0,44%2,11%1,70%0,00%1,04%1,20%-0,64%1,51%0,45%1,22%0,68%0,30%
RoE-2,54%12,14%10,49%0,00%6,67%7,69%-4,53%9,98%2,95%8,30%4,94%2,06%
Leverage
cap. adequacy
5,8 / 17,3%5,7 / 17,4%6,2 / 16,2%6,3 / 15,9%6,4 / 15,7%6,4 / 15,7%7,0 / 14,2%6,6 / 15,1%6,5 / 15,3%6,8 / 14,7%7,2 / 13,9%6,9 / 14,6%
NIM3,45%3,69%3,54%0,00%3,81%3,75%3,00%3,16%3,47%3,02%2,78%3,12%
Return on
assets
6,04%5,92%5,38%0,00%5,35%5,52%5,60%6,38%6,89%7,04%7,13%6,92%
Cost of
liabilities
3,11%2,52%2,11%0,00%1,80%2,05%3,02%3,53%4,03%4,49%4,56%4,41%
Net
spread
2,93%3,40%3,27%0,00%3,55%3,47%2,58%2,85%2,86%2,55%2,57%2,51%
Cost /
income
57,05%47,66%53,20%0,00%42,74%37,18%46,36%29,36%56,37%45,76%49,86%49,18%
Cost of
assets
2,30%2,20%2,29%0,00%1,94%1,80%1,74%1,60%2,17%1,91%1,81%1,54%
Net
assets
1 214 102 5721 199 416 1661 266 907 2351 319 030 9111 327 033 5521 337 488 5331 486 457 1191 372 342 4321 317 181 5271 338 905 4551 395 726 9611 368 244 624
Average
equity
209 890 334208 707 760205 396 817209 124 045208 190 199209 451 093211 658 887207 703 079201 205 104197 209 530194 425 546199 459 288
Average
% assets
1 024 556 6701 003 497 5171 081 540 6951 110 135 0671 102 718 8041 138 356 6631 264 382 1521 184 432 1671 179 025 2571 211 618 6571 242 253 5121 217 298 761
Average
% liabilities
937 176 831920 746 225984 083 5751 020 374 6791 015 508 2411 028 151 8101 175 425 5191 090 706 3251 065 707 6051 088 794 9991 145 150 9841 110 716 257
NII8 847 2929 278 2079 597 3339 880 37810 520 09710 695 1619 490 2099 380 61610 238 9929 155 6048 651 8409 511 139
NCI1 734 4891 651 5071 710 9831 867 6391 971 7391 625 3101 996 1071 851 7832 667 7342 225 5632 156 2272 104 072
NCI / NII19,6%17,8%17,8%18,9%18,7%15,2%21,0%19,7%26,1%24,3%24,9%22,1%

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.