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Central Bank of Russia registration number: 2110  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	2,09%	2,69%	3,67%	0,00%	0,61%	0,93%	1,23%	1,07%	1,48%	1,50%	0,90%	0,81%
RoE	26,39%	32,90%	43,53%	0,00%	7,05%	10,75%	14,62%	13,03%	18,18%	20,10%	12,72%	12,67%
Leverage cap. adequacy	12,6 / 7,9%	12,2 / 8,2%	11,9 / 8,4%	11,7 / 8,5%	11,5 / 8,7%	11,5 / 8,7%	11,8 / 8,5%	12,2 / 8,2%	12,3 / 8,2%	13,4 / 7,5%	14,0 / 7,1%	15,6 / 6,4%
NIM	2,01%	1,99%	1,98%	0,00%	1,60%	1,56%	1,61%	1,78%	2,03%	1,93%	1,93%	2,08%
Return on assets	4,29%	4,11%	4,04%	0,00%	4,22%	4,27%	4,37%	4,49%	4,79%	4,75%	4,79%	4,83%
Cost of liabilities	5,21%	5,16%	5,19%	0,00%	5,70%	5,79%	5,86%	5,85%	6,15%	6,11%	6,22%	4,65%
Net spread	-0,92%	-1,05%	-1,15%	0,00%	-1,48%	-1,52%	-1,49%	-1,36%	-1,36%	-1,36%	-1,43%	0,18%
Cost / income	16,51%	17,24%	18,51%	0,00%	16,59%	14,56%	16,45%	7,26%	12,57%	12,30%	14,43%	21,17%
Cost of assets	0,36%	0,37%	0,41%	0,00%	0,45%	0,47%	0,53%	0,35%	0,36%	0,37%	0,35%	0,34%
Net assets	372 813 086	358 762 083	343 072 453	338 115 072	332 362 096	329 995 120	327 775 626	323 254 272	319 162 788	318 552 113	311 549 999	307 924 493
Average equity	29 562 013	29 336 010	28 936 587	28 818 276	28 893 617	28 572 884	27 774 584	26 583 968	26 037 245	23 806 444	22 230 863	19 759 950
Average % assets	349 585 753	343 061 632	326 052 843	316 261 109	317 407 204	317 553 147	316 686 227	314 346 418	318 204 637	319 560 263	313 832 073	306 955 271
Average % liabilities	337 875 266	324 997 096	309 894 109	305 594 254	299 363 037	297 611 621	295 689 083	293 014 313	289 733 116	291 534 002	286 316 184	285 638 198
NII	7 059 101	5 136 244	3 240 929	1 496 633	5 078 743	3 734 145	2 559 444	1 401 656	6 460 741	4 635 861	3 029 896	1 598 078
NCI	177 532	117 088	69 254	19 958	173 285	97 448	60 590	23 619	112 181	112 117	106 728	39 112
NCI / NII	2,5%	2,3%	2,1%	1,3%	3,4%	2,6%	2,4%	1,7%	1,7%	2,4%	3,5%	2,4%

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	0,60%	1,04%	6,43%	0,00%	-0,32%	0,33%	1,42%	1,07%	1,43%	2,73%	1,01%	0,81%
RoE	7,61%	12,81%	76,23%	0,00%	-3,69%	3,83%	16,77%	13,03%	17,58%	36,56%	14,18%	12,67%
Leverage cap. adequacy	12,6 / 7,9%	12,2 / 8,2%	11,9 / 8,4%	11,7 / 8,5%	11,5 / 8,7%	11,5 / 8,7%	11,8 / 8,5%	12,2 / 8,2%	12,3 / 8,2%	13,4 / 7,5%	14,0 / 7,1%	15,6 / 6,4%
NIM	2,20%	2,20%	2,13%	0,00%	1,69%	1,47%	1,46%	1,78%	2,29%	2,01%	1,82%	2,08%
Return on assets	5,04%	4,65%	4,25%	0,00%	4,07%	4,11%	4,28%	4,49%	4,84%	4,83%	4,86%	4,83%
Cost of liabilities	5,94%	5,57%	5,29%	0,00%	5,55%	5,73%	5,92%	5,85%	6,18%	6,11%	7,79%	4,65%
Net spread	-0,90%	-0,92%	-1,04%	0,00%	-1,48%	-1,62%	-1,64%	-1,36%	-1,34%	-1,28%	-2,93%	0,18%
Cost / income	14,64%	14,99%	19,14%	0,00%	34,37%	10,81%	43,00%	7,26%	13,53%	9,92%	11,13%	21,17%
Cost of assets	0,36%	0,35%	0,42%	0,00%	0,38%	0,35%	0,72%	0,35%	0,35%	0,42%	0,36%	0,34%
Net assets	372 813 086	358 762 083	343 072 453	338 115 072	332 362 096	329 995 120	327 775 626	323 254 272	319 162 788	318 552 113	311 549 999	307 924 493
Average equity	29 562 013	29 336 010	28 936 587	28 818 276	28 893 617	28 572 884	27 774 584	26 583 968	26 037 245	23 806 444	22 230 863	19 759 950
Average % assets	349 585 753	343 061 632	326 052 843	316 261 109	317 407 204	317 553 147	316 686 227	314 346 418	318 204 637	319 560 263	313 832 073	306 955 271
Average % liabilities	337 875 266	324 997 096	309 894 109	305 594 254	299 363 037	297 611 621	295 689 083	293 014 313	289 733 116	291 534 002	286 316 184	285 638 198
NII	1 922 857	1 895 315	1 744 296	1 496 633	1 344 598	1 174 701	1 157 788	1 401 656	1 824 880	1 605 965	1 431 818	1 598 078
NCI	60 444	47 834	49 296	19 958	75 837	36 858	36 971	23 619	64	5 389	67 616	39 112
NCI / NII	3,1%	2,5%	2,8%	1,3%	5,6%	3,1%	3,2%	1,7%	0,0%	0,3%	4,7%	2,4%

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.