Архив рассылки

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Central Bank of Russia registration number: 1189  Retailbank, Autokrediten, Retailbank, ZB-Vertreter, complies with 214-FZ (equity construction)

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	3,11%	2,35%	1,20%	0,00%	-2,38%	-5,27%	-11,42%	-5,24%	1,92%	9,08%	3,56%	7,37%
RoE	13,66%	10,53%	5,64%	0,00%	-18,32%	-51,46%	-106,12%	-38,24%	12,53%	78,71%	33,65%	95,05%
Leverage cap. adequacy	4,4 / 22,8%	4,5 / 22,3%	4,7 / 21,3%	5,4 / 18,7%	7,7 / 13,0%	9,8 / 10,2%	9,3 / 10,8%	7,3 / 13,7%	6,5 / 15,4%	8,7 / 11,5%	9,4 / 10,6%	12,9 / 7,8%
NIM	29,54%	26,03%	19,78%	0,00%	10,60%	9,66%	9,43%	9,54%	9,93%	10,87%	11,10%	10,37%
Return on assets	13,31%	12,97%	12,75%	0,00%	16,45%	16,35%	17,14%	18,61%	18,33%	19,96%	19,36%	18,73%
Cost of liabilities	5,27%	5,32%	5,26%	0,00%	6,95%	6,67%	6,72%	6,88%	7,39%	7,38%	7,07%	6,37%
Net spread	8,04%	7,65%	7,49%	0,00%	9,50%	9,68%	10,42%	11,73%	10,94%	12,58%	12,29%	12,36%
Cost / income	32,04%	32,25%	37,07%	0,00%	48,61%	47,84%	46,26%	44,60%	36,86%	30,71%	42,97%	27,58%
Cost of assets	5,63%	5,23%	4,80%	0,00%	5,14%	4,78%	4,90%	4,79%	6,89%	7,92%	6,76%	5,61%
Net assets	18 996 924	18 676 848	19 713 661	21 191 019	22 739 993	24 249 119	25 470 600	27 019 363	25 610 541	24 659 674	26 091 382	26 538 245
Average equity	4 329 924	4 174 227	4 204 005	3 956 209	2 964 794	2 483 536	2 741 893	3 705 134	3 942 809	2 846 511	2 767 587	2 058 224
Average % assets	23 636 536	24 906 770	26 362 020	27 705 282	28 500 976	30 186 282	30 309 771	30 184 985	27 487 496	24 743 109	25 713 509	26 222 871
Average % liabilities	14 182 005	14 000 764	14 970 985	16 340 792	18 787 373	20 902 558	21 724 918	22 423 232	21 061 055	21 357 243	22 982 342	24 075 861
NII	6 984 147	4 864 108	2 608 120	1 991 506	3 022 286	2 188 281	1 429 401	720 004	2 729 863	2 018 177	1 427 462	679 972
NCI	0	2 159	8 301	8 552	13 160	19 750	15 824	11 230	66	0	5 272	0
NCI / NII	0,0%	0,0%	0,3%	0,4%	0,4%	0,9%	1,1%	1,6%	0,0%	0,0%	0,4%	0,0%

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	5,51%	4,51%	0,69%	0,00%	7,30%	8,18%	-17,28%	-5,24%	-18,52%	19,70%	-0,35%	7,37%
RoE	24,18%	20,21%	3,27%	0,00%	56,00%	79,95%	-160,57%	-38,24%	-120,33%	170,69%	-3,39%	95,05%
Leverage cap. adequacy	4,4 / 22,8%	4,5 / 22,3%	4,7 / 21,3%	5,4 / 18,7%	7,7 / 13,0%	9,8 / 10,2%	9,3 / 10,8%	7,3 / 13,7%	6,5 / 15,4%	8,7 / 11,5%	9,4 / 10,6%	12,9 / 7,8%
NIM	35,87%	36,23%	9,35%	0,00%	11,70%	10,05%	9,36%	9,54%	10,35%	9,54%	11,62%	10,37%
Return on assets	12,23%	11,93%	12,21%	0,00%	13,87%	14,62%	15,74%	18,61%	19,42%	19,64%	19,63%	18,73%
Cost of liabilities	5,30%	4,72%	4,84%	0,00%	5,54%	6,05%	6,33%	6,88%	7,12%	6,92%	7,46%	6,37%
Net spread	6,93%	7,21%	7,37%	0,00%	8,33%	8,57%	9,41%	11,73%	12,30%	12,72%	12,17%	12,36%
Cost / income	31,48%	25,91%	51,39%	0,00%	51,01%	51,76%	47,99%	44,60%	115,05%	21,58%	65,93%	27,58%
Cost of assets	6,02%	5,45%	4,83%	0,00%	5,22%	4,46%	5,00%	4,79%	6,28%	9,57%	8,33%	5,61%
Net assets	18 996 924	18 676 848	19 713 661	21 191 019	22 739 993	24 249 119	25 470 600	27 019 363	25 610 541	24 659 674	26 091 382	26 538 245
Average equity	4 329 924	4 174 227	4 204 005	3 956 209	2 964 794	2 483 536	2 741 893	3 705 134	3 942 809	2 846 511	2 767 587	2 058 224
Average % assets	23 636 536	24 906 770	26 362 020	27 705 282	28 500 976	30 186 282	30 309 771	30 184 985	27 487 496	24 743 109	25 713 509	26 222 871
Average % liabilities	14 182 005	14 000 764	14 970 985	16 340 792	18 787 373	20 902 558	21 724 918	22 423 232	21 061 055	21 357 243	22 982 342	24 075 861
NII	2 120 039	2 255 988	616 614	1 991 506	834 005	758 880	709 397	720 004	711 686	590 715	747 490	679 972
NCI	0	0	0	8 552	0	3 926	4 594	11 230	6 408	0	6 251	0
NCI / NII	0,0%	0,0%	0,0%	0,4%	0,0%	0,5%	0,6%	1,6%	0,9%	0,0%	0,8%	0,0%

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.