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Central Bank of Russia registration number: 1949  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	2,19%	0,23%	-0,51%	0,00%	-2,84%	-3,55%	-5,11%	-1,99%	-1,83%	2,51%	-2,00%	-1,33%
RoE	16,67%	2,23%	-5,49%	0,00%	-10,89%	-12,99%	-18,15%	-6,65%	-5,61%	6,97%	-5,65%	-4,95%
Leverage cap. adequacy	7,6 / 13,2%	9,6 / 10,4%	10,6 / 9,4%	5,3 / 19,0%	3,8 / 26,1%	3,7 / 27,4%	3,6 / 28,2%	3,3 / 29,9%	3,1 / 32,7%	2,8 / 36,0%	2,8 / 35,4%	3,7 / 27,0%
NIM	6,00%	4,89%	3,81%	0,00%	5,52%	5,59%	5,38%	5,19%	10,48%	11,29%	9,38%	7,96%
Return on assets	7,27%	5,97%	4,85%	0,00%	7,96%	8,30%	8,24%	8,41%	10,32%	12,17%	12,66%	10,36%
Cost of liabilities	1,59%	1,34%	1,23%	0,00%	3,21%	3,61%	3,77%	4,01%	3,71%	4,31%	4,42%	2,90%
Net spread	5,68%	4,63%	3,62%	0,00%	4,75%	4,69%	4,47%	4,40%	6,61%	7,86%	8,24%	7,46%
Cost / income	63,29%	63,49%	70,98%	0,00%	119,38%	118,42%	120,36%	121,99%	111,89%	71,49%	104,19%	83,42%
Cost of assets	4,53%	3,72%	3,38%	0,00%	7,69%	7,98%	7,71%	8,02%	12,30%	12,05%	10,80%	7,54%
Net assets	1 827 439	2 123 234	2 303 533	1 252 520	1 021 866	978 035	1 004 475	974 730	947 766	862 320	879 100	1 157 413
Average equity	240 415	221 086	217 431	237 523	267 113	267 947	282 934	291 850	309 840	310 847	311 446	312 876
Average % assets	1 771 410	2 070 065	2 240 158	1 170 678	906 461	868 126	879 527	840 662	785 894	700 648	730 304	1 011 346
Average % liabilities	1 578 194	1 890 958	2 074 750	1 005 846	747 012	700 549	709 168	675 575	632 431	543 297	556 782	836 332
NII	106 329	76 060	42 676	13 650	50 123	36 460	23 668	10 914	82 422	59 338	34 263	20 127
NCI	14 268	11 753	9 658	6 186	6 295	4 649	3 063	1 993	5 713	4 038	2 602	1 497
NCI / NII	13,4%	15,5%	22,6%	45,3%	12,6%	12,8%	12,9%	18,3%	6,9%	6,8%	7,6%	7,4%

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	7,96%	1,82%	0,00%	0,00%	-1,16%	-0,17%	-8,29%	-1,99%	-14,20%	11,62%	-2,24%	-1,33%
RoE	60,55%	17,51%	-0,02%	0,00%	-4,47%	-0,63%	-29,44%	-6,65%	-43,45%	32,25%	-6,34%	-4,95%
Leverage cap. adequacy	7,6 / 13,2%	9,6 / 10,4%	10,6 / 9,4%	5,3 / 19,0%	3,8 / 26,1%	3,7 / 27,4%	3,6 / 28,2%	3,3 / 29,9%	3,1 / 32,7%	2,8 / 36,0%	2,8 / 35,4%	3,7 / 27,0%
NIM	6,83%	6,45%	5,18%	0,00%	6,02%	5,89%	5,80%	5,19%	11,74%	14,31%	7,74%	7,96%
Return on assets	8,17%	7,41%	6,33%	0,00%	7,99%	8,19%	8,45%	8,41%	8,73%	10,12%	10,98%	10,36%
Cost of liabilities	1,54%	1,32%	1,41%	0,00%	2,66%	3,20%	3,73%	4,01%	3,75%	3,87%	4,47%	2,90%
Net spread	6,63%	6,09%	4,92%	0,00%	5,33%	4,99%	4,72%	4,40%	4,98%	6,25%	6,51%	7,46%
Cost / income	62,76%	52,66%	59,65%	0,00%	122,28%	114,78%	118,78%	121,99%	5789,81%	47,14%	137,54%	83,42%
Cost of assets	5,07%	3,78%	3,52%	0,00%	7,88%	8,08%	7,70%	8,02%	17,99%	13,67%	10,94%	7,54%
Net assets	1 827 439	2 123 234	2 303 533	1 252 520	1 021 866	978 035	1 004 475	974 730	947 766	862 320	879 100	1 157 413
Average equity	240 415	221 086	217 431	237 523	267 113	267 947	282 934	291 850	309 840	310 847	311 446	312 876
Average % assets	1 771 410	2 070 065	2 240 158	1 170 678	906 461	868 126	879 527	840 662	785 894	700 648	730 304	1 011 346
Average % liabilities	1 578 194	1 890 958	2 074 750	1 005 846	747 012	700 549	709 168	675 575	632 431	543 297	556 782	836 332
NII	30 269	33 384	29 026	13 650	13 663	12 792	12 754	10 914	23 084	25 075	14 136	20 127
NCI	2 515	2 095	3 472	6 186	1 646	1 586	1 070	1 993	1 675	1 436	1 105	1 497
NCI / NII	8,3%	6,3%	12,0%	45,3%	12,0%	12,4%	8,4%	18,3%	7,3%	5,7%	7,8%	7,4%

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.