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Central Bank of Russia registration number: 2168  staatlich kontrollierten, Retailbank, ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	1,61%	1,73%	1,62%	0,00%	-1,20%	-2,58%	-4,03%	-0,71%	1,64%	1,65%	1,48%	1,51%
RoE	8,91%	9,86%	9,23%	0,00%	-8,06%	-18,88%	-27,18%	-4,71%	10,69%	10,84%	9,75%	10,00%
Leverage cap. adequacy	5,5 / 18,1%	5,7 / 17,5%	5,7 / 17,5%	6,0 / 16,6%	6,7 / 14,9%	7,3 / 13,7%	6,7 / 14,8%	6,6 / 15,2%	6,5 / 15,4%	6,6 / 15,2%	6,6 / 15,2%	6,6 / 15,1%
NIM	6,77%	6,83%	6,91%	0,00%	6,57%	6,65%	6,72%	6,88%	6,28%	6,36%	6,46%	6,58%
Return on assets	11,99%	12,27%	12,64%	0,00%	12,97%	13,20%	13,53%	13,54%	12,39%	12,52%	12,56%	12,58%
Cost of liabilities	6,62%	6,82%	7,14%	0,00%	8,19%	8,43%	8,74%	8,60%	8,50%	8,70%	8,69%	8,71%
Net spread	5,37%	5,45%	5,50%	0,00%	4,78%	4,77%	4,79%	4,94%	3,89%	3,82%	3,87%	3,87%
Cost / income	53,87%	54,60%	60,12%	0,00%	65,54%	60,00%	60,83%	64,36%	47,82%	47,40%	49,32%	53,84%
Cost of assets	3,23%	3,27%	3,47%	0,00%	3,56%	3,56%	3,68%	3,76%	3,42%	3,49%	3,62%	3,67%
Net assets	172 524 309	162 065 217	152 193 915	146 616 777	148 940 750	145 201 297	143 110 784	147 703 080	144 709 564	139 793 292	137 331 862	131 005 117
Average equity	31 285 921	28 421 526	26 696 195	24 325 837	22 165 639	19 857 321	21 242 131	22 435 289	22 224 326	21 313 708	20 866 987	19 787 677
Average % assets	173 299 949	164 518 583	155 219 633	150 373 482	153 883 890	150 478 477	145 986 331	147 937 911	144 994 577	139 051 264	133 762 397	129 305 464
Average % liabilities	137 577 243	130 320 078	122 645 598	119 577 678	124 099 760	122 316 763	118 892 114	122 260 860	120 003 385	115 966 093	114 127 578	109 573 169
NII	11 749 093	8 429 896	5 363 707	2 600 235	10 112 455	7 509 275	4 905 242	2 547 338	9 115 370	6 641 880	4 325 759	2 130 045
NCI	960 308	744 725	309 366	33 047	968 530	764 167	414 350	146 699	2 634 036	2 029 602	1 343 619	711 420
NCI / NII	8,2%	8,8%	5,8%	1,3%	9,6%	10,2%	8,4%	5,8%	28,9%	30,6%	31,1%	33,4%

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	1,58%	2,14%	2,78%	0,00%	2,74%	0,20%	-7,33%	-0,71%	1,78%	2,04%	1,52%	1,51%
RoE	8,76%	12,24%	15,90%	0,00%	18,47%	1,51%	-49,39%	-4,71%	11,59%	13,43%	10,01%	10,00%
Leverage cap. adequacy	5,5 / 18,1%	5,7 / 17,5%	5,7 / 17,5%	6,0 / 16,6%	6,7 / 14,9%	7,3 / 13,7%	6,7 / 14,8%	6,6 / 15,2%	6,5 / 15,4%	6,6 / 15,2%	6,6 / 15,2%	6,6 / 15,1%
NIM	7,66%	7,45%	7,12%	0,00%	6,76%	6,92%	6,46%	6,88%	6,82%	6,66%	6,56%	6,58%
Return on assets	13,01%	12,96%	12,83%	0,00%	13,18%	13,34%	13,34%	13,54%	13,55%	13,39%	12,96%	12,58%
Cost of liabilities	7,09%	7,03%	7,05%	0,00%	7,84%	8,29%	8,65%	8,60%	8,75%	9,00%	9,02%	8,71%
Net spread	5,92%	5,93%	5,78%	0,00%	5,34%	5,05%	4,69%	4,94%	4,80%	4,39%	3,94%	3,87%
Cost / income	52,09%	46,34%	53,05%	0,00%	87,35%	58,30%	57,36%	64,36%	49,02%	44,02%	45,62%	53,84%
Cost of assets	3,65%	3,34%	3,53%	0,00%	3,85%	3,42%	3,50%	3,76%	3,63%	3,52%	3,69%	3,67%
Net assets	172 524 309	162 065 217	152 193 915	146 616 777	148 940 750	145 201 297	143 110 784	147 703 080	144 709 564	139 793 292	137 331 862	131 005 117
Average equity	31 285 921	28 421 526	26 696 195	24 325 837	22 165 639	19 857 321	21 242 131	22 435 289	22 224 326	21 313 708	20 866 987	19 787 677
Average % assets	173 299 949	164 518 583	155 219 633	150 373 482	153 883 890	150 478 477	145 986 331	147 937 911	144 994 577	139 051 264	133 762 397	129 305 464
Average % liabilities	137 577 243	130 320 078	122 645 598	119 577 678	124 099 760	122 316 763	118 892 114	122 260 860	120 003 385	115 966 093	114 127 578	109 573 169
NII	3 319 197	3 066 189	2 763 472	2 600 235	2 603 180	2 604 033	2 357 904	2 547 338	2 473 490	2 316 121	2 195 714	2 130 045
NCI	215 583	435 359	276 319	33 047	204 363	349 817	267 651	146 699	604 434	685 983	632 199	711 420
NCI / NII	6,5%	14,2%	10,0%	1,3%	7,9%	13,4%	11,4%	5,8%	24,4%	29,6%	28,8%	33,4%

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 - 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.