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Central Bank of Russia registration number: 1478  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	-13,37%	-13,24%	42,89%	0,00%	-7,80%	-7,73%	-14,42%	-6,44%	-27,11%	-35,89%	0,01%	-1,55%
RoE	-28,84%	-26,54%	70,09%	0,00%	-13,41%	-13,21%	-24,55%	-11,64%	-52,47%	-67,69%	0,03%	-2,52%
Leverage cap. adequacy	2,2 / 46,4%	2,0 / 49,9%	1,6 / 61,2%	1,7 / 57,4%	1,7 / 58,2%	1,7 / 58,6%	1,7 / 58,7%	1,8 / 55,3%	1,9 / 51,7%	1,9 / 53,0%	1,6 / 61,1%	1,6 / 61,7%
NIM	12,53%	12,46%	7,91%	0,00%	10,79%	11,43%	12,20%	11,40%	19,74%	22,62%	27,96%	46,02%
Return on assets	19,60%	19,36%	12,56%	0,00%	15,00%	15,59%	16,51%	16,14%	24,44%	27,35%	32,69%	51,07%
Cost of liabilities	6,80%	6,12%	6,70%	0,00%	7,50%	7,56%	7,55%	6,74%	5,08%	4,70%	4,74%	5,00%
Net spread	12,80%	13,24%	5,86%	0,00%	7,50%	8,03%	8,96%	9,40%	19,36%	22,65%	27,95%	46,07%
Cost / income	0,00%	0,00%	63,50%	0,00%	111,78%	92,05%	93,30%	49,03%	0,00%	0,00%	87,01%	31,74%
Cost of assets	28,70%	24,79%	26,17%	0,00%	41,72%	40,64%	53,81%	44,41%	39,41%	40,68%	41,67%	25,33%
Net assets	200 018	235 377	282 476	238 124	241 548	244 261	250 234	278 967	331 445	366 016	433 932	431 889
Average equity	92 717	117 412	172 860	136 567	140 464	143 033	146 994	154 400	171 237	194 084	265 043	266 559
Average % assets	99 502	101 656	153 957	173 137	174 172	177 975	176 105	170 976	168 652	166 897	166 109	160 272
Average % liabilities	103 392	114 498	106 723	97 979	97 561	97 895	100 318	120 255	156 077	167 866	165 552	161 517
NII	12 470	9 500	6 092	3 442	18 804	15 264	10 749	4 874	33 296	28 319	23 223	18 440
NCI	0	0	0	0	26	26	26	28	446	331	224	144
NCI / NII	0,0%	0,0%	0,0%	0,0%	0,1%	0,2%	0,2%	0,6%	1,3%	1,2%	1,0%	0,8%

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	-6,74%	-142,68%	108,60%	0,00%	-7,74%	6,34%	-21,66%	-6,44%	10,48%	-107,74%	1,58%	-1,55%
RoE	-14,54%	-286,03%	177,47%	0,00%	-13,31%	10,83%	-36,87%	-11,64%	20,29%	-203,18%	2,60%	-2,52%
Leverage cap. adequacy	2,2 / 46,4%	2,0 / 49,9%	1,6 / 61,2%	1,7 / 57,4%	1,7 / 58,2%	1,7 / 58,6%	1,7 / 58,7%	1,8 / 55,3%	1,9 / 51,7%	1,9 / 53,0%	1,6 / 61,1%	1,6 / 61,7%
NIM	11,93%	13,40%	6,88%	0,00%	8,12%	10,14%	13,34%	11,40%	11,80%	12,21%	11,51%	46,02%
Return on assets	19,06%	20,03%	11,67%	0,00%	12,18%	14,11%	17,34%	16,14%	16,56%	16,99%	16,10%	51,07%
Cost of liabilities	6,85%	5,88%	6,91%	0,00%	7,24%	7,21%	7,02%	6,74%	5,14%	4,75%	4,60%	5,00%
Net spread	12,21%	14,15%	4,76%	0,00%	4,94%	6,90%	10,32%	9,40%	11,42%	12,24%	11,50%	46,07%
Cost / income	280,26%	0,00%	62,42%	0,00%	296,74%	84,17%	247,02%	49,03%	618,05%	0,00%	297,86%	31,74%
Cost of assets	39,10%	22,95%	41,29%	0,00%	42,71%	15,27%	63,71%	44,41%	39,60%	34,54%	59,25%	25,33%
Net assets	200 018	235 377	282 476	238 124	241 548	244 261	250 234	278 967	331 445	366 016	433 932	431 889
Average equity	92 717	117 412	172 860	136 567	140 464	143 033	146 994	154 400	171 237	194 084	265 043	266 559
Average % assets	99 502	101 656	153 957	173 137	174 172	177 975	176 105	170 976	168 652	166 897	166 109	160 272
Average % liabilities	103 392	114 498	106 723	97 979	97 561	97 895	100 318	120 255	156 077	167 866	165 552	161 517
NII	2 970	3 408	2 650	3 442	3 540	4 515	5 875	4 874	4 977	5 096	4 783	18 440
NCI	0	0	0	0	0	0	0	28	115	107	80	144
NCI / NII	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,6%	2,3%	2,1%	1,7%	0,8%

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.