Mailing list archive

	SOYUZI want to buy a report	add to comparison
Central Bank of Russia registration number: 2307  CB RF representative, 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	0,77%	0,93%	1,25%	0,00%	0,33%	0,06%	0,39%	2,47%	1,59%	1,73%	2,36%	4,85%
RoE	6,51%	7,50%	9,36%	0,00%	2,44%	0,50%	3,12%	20,56%	14,95%	15,73%	20,30%	42,71%
Leverage cap. adequacy	8,4 / 11,9%	8,0 / 12,5%	7,5 / 13,3%	7,4 / 13,5%	7,4 / 13,6%	7,6 / 13,2%	7,9 / 12,7%	8,3 / 12,0%	9,3 / 10,7%	9,1 / 11,0%	8,6 / 11,6%	8,8 / 11,4%
NIM	8,83%	8,57%	9,16%	0,00%	8,48%	7,88%	7,93%	7,68%	8,17%	9,55%	10,27%	9,75%
Return on assets	12,44%	11,73%	12,30%	0,00%	13,48%	13,58%	13,63%	13,33%	13,76%	15,56%	16,40%	15,36%
Cost of liabilities	3,50%	3,35%	3,41%	0,00%	5,40%	5,82%	5,92%	6,12%	5,58%	5,51%	5,72%	5,82%
Net spread	8,94%	8,38%	8,89%	0,00%	8,08%	7,76%	7,71%	7,21%	8,18%	10,05%	10,68%	9,54%
Cost / income	65,62%	61,71%	64,78%	0,00%	69,16%	67,57%	68,09%	60,05%	64,36%	62,80%	63,90%	54,71%
Cost of assets	5,89%	5,42%	6,06%	0,00%	5,66%	5,19%	5,24%	4,82%	5,22%	5,65%	6,06%	5,23%
Net assets	99 934 642	96 582 061	88 958 296	87 424 522	85 903 645	87 343 249	91 872 356	98 606 781	104 525 240	100 031 798	92 974 080	90 226 134
Average equity	11 911 912	12 049 847	11 873 833	11 786 782	11 678 179	11 504 966	11 692 540	11 842 905	11 180 500	11 038 135	10 824 854	10 246 733
Average % assets	63 196 181	63 695 620	57 208 642	57 753 260	58 468 286	59 956 168	62 059 474	66 617 716	70 013 777	61 367 064	56 862 729	61 793 662
Average % liabilities	86 389 599	83 165 077	75 572 779	73 908 295	72 566 468	73 480 765	77 577 326	84 397 365	91 732 450	87 499 964	80 800 900	78 692 866
NII	5 581 426	4 098 512	2 622 242	1 231 327	4 960 291	3 544 317	2 462 504	1 279 532	5 726 411	4 398 494	2 920 732	1 507 055
NCI	318 332	205 262	117 152	53 454	197 570	140 698	94 683	52 022	200 899	140 331	90 883	43 257
NCI / NII	5,7%	5,0%	4,5%	4,3%	4,0%	4,0%	3,8%	4,1%	3,5%	3,2%	3,1%	2,9%

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	0,39%	0,50%	0,72%	0,00%	1,13%	-0,63%	-1,85%	2,47%	1,41%	0,81%	0,02%	4,85%
RoE	3,29%	4,05%	5,45%	0,00%	8,31%	-4,85%	-14,57%	20,56%	13,21%	7,38%	0,17%	42,71%
Leverage cap. adequacy	8,4 / 11,9%	8,0 / 12,5%	7,5 / 13,3%	7,4 / 13,5%	7,4 / 13,6%	7,6 / 13,2%	7,9 / 12,7%	8,3 / 12,0%	9,3 / 10,7%	9,1 / 11,0%	8,6 / 11,6%	8,8 / 11,4%
NIM	9,38%	9,27%	9,72%	0,00%	9,68%	7,21%	7,62%	7,68%	7,58%	9,63%	9,94%	9,75%
Return on assets	14,28%	13,10%	13,05%	0,00%	12,13%	12,53%	12,94%	13,33%	14,11%	16,30%	16,10%	15,36%
Cost of liabilities	4,32%	3,85%	3,47%	0,00%	3,94%	4,96%	5,18%	6,12%	6,53%	5,98%	5,77%	5,82%
Net spread	9,96%	9,25%	9,58%	0,00%	8,19%	7,57%	7,76%	7,21%	7,58%	10,32%	10,33%	9,54%
Cost / income	76,26%	56,51%	65,58%	0,00%	73,34%	66,35%	78,46%	60,05%	68,41%	60,77%	75,20%	54,71%
Cost of assets	7,35%	5,52%	6,45%	0,00%	6,62%	4,63%	5,28%	4,82%	6,17%	5,78%	6,40%	5,23%
Net assets	99 934 642	96 582 061	88 958 296	87 424 522	85 903 645	87 343 249	91 872 356	98 606 781	104 525 240	100 031 798	92 974 080	90 226 134
Average equity	11 911 912	12 049 847	11 873 833	11 786 782	11 678 179	11 504 966	11 692 540	11 842 905	11 180 500	11 038 135	10 824 854	10 246 733
Average % assets	63 196 181	63 695 620	57 208 642	57 753 260	58 468 286	59 956 168	62 059 474	66 617 716	70 013 777	61 367 064	56 862 729	61 793 662
Average % liabilities	86 389 599	83 165 077	75 572 779	73 908 295	72 566 468	73 480 765	77 577 326	84 397 365	91 732 450	87 499 964	80 800 900	78 692 866
NII	1 482 914	1 476 270	1 390 915	1 231 327	1 415 974	1 081 813	1 182 972	1 279 532	1 327 917	1 477 762	1 413 677	1 507 055
NCI	113 070	88 110	63 698	53 454	56 872	46 015	42 661	52 022	60 568	49 448	47 626	43 257
NCI / NII	7,6%	6,0%	4,6%	4,3%	4,0%	4,3%	3,6%	4,1%	4,6%	3,3%	3,4%	2,9%

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.