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Central Bank of Russia registration number: 2484

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. 2020	9 mon. 2020	6 mon. 2020	3 mon. 2020	12 mon. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	6,60%	4,13%	-3,97%	7,71%	15,56%	21,40%	4,98%
RoE	0,00%	42,85%	27,19%	-10,70%	20,76%	24,01%	37,26%	9,51%
Leverage cap. adequacy	6,0 / 16,8%	6,5 / 15,4%	6,6 / 15,2%	2,7 / 37,2%	2,7 / 37,2%	1,5 / 64,8%	1,7 / 57,5%	1,9 / 52,4%
NIM	0,00%	3,64%	5,89%	8,86%	14,41%	21,87%	21,32%	17,83%
Return on assets	0,00%	3,76%	6,14%	9,59%	8,70%	11,52%	12,97%	17,88%
Cost of liabilities	0,00%	0,45%	0,72%	1,09%	0,09%	0,14%	0,14%	0,11%
Net spread	0,00%	3,31%	5,42%	8,50%	8,61%	11,38%	12,83%	17,77%
Cost / income	0,00%	30,03%	45,51%	163,74%	59,65%	58,55%	50,98%	56,51%
Cost of assets	0,00%	5,65%	10,16%	20,50%	11,33%	14,84%	13,10%	12,42%
Net assets	2 749 727	2 815 899	2 331 249	902 042	909 579	510 784	513 331	532 288
Average equity	460 587	433 867	354 517	335 207	338 033	331 080	294 912	278 849
Average % assets	1 411 516	1 598 924	851 353	419 557	593 735	437 774	453 923	463 973
Average % liabilities	723 521	482 254	341 669	322 685	272 629	166 742	205 834	240 028
NII	0	43 752	25 103	9 300	85 586	71 834	48 405	20 687
NCI	0	138 136	53 863	6 744	22 755	4 921	3 166	1 603
NCI / NII	-	315,7%	214,6%	72,5%	26,6%	6,9%	6,5%	7,7%

Key financial ratios of the bank for the quarter specified

	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	-20,28%	12,96%	9,81%	-3,97%	4,63%	3,67%	37,64%	4,98%
RoE	-121,10%	84,11%	64,51%	-10,70%	12,47%	5,66%	65,53%	9,51%
Leverage cap. adequacy	6,0 / 16,8%	6,5 / 15,4%	6,6 / 15,2%	2,7 / 37,2%	2,7 / 37,2%	1,5 / 64,8%	1,7 / 57,5%	1,9 / 52,4%
NIM	0,00%	4,66%	7,42%	8,86%	9,26%	21,40%	24,42%	17,83%
Return on assets	0,00%	4,73%	7,55%	9,59%	9,31%	7,66%	7,66%	17,88%
Cost of liabilities	0,00%	0,32%	0,42%	1,09%	0,12%	0,07%	0,16%	0,11%
Net spread	0,00%	4,41%	7,13%	8,50%	9,19%	7,59%	7,50%	17,77%
Cost / income	30,03%	18,85%	26,80%	163,74%	62,20%	73,84%	46,81%	56,51%
Cost of assets	-19,22%	6,18%	10,33%	20,50%	14,21%	18,61%	13,72%	12,42%
Net assets	2 749 727	2 815 899	2 331 249	902 042	909 579	510 784	513 331	532 288
Average equity	460 587	433 867	354 517	335 207	338 033	331 080	294 912	278 849
Average % assets	1 411 516	1 598 924	851 353	419 557	593 735	437 774	453 923	463 973
Average % liabilities	723 521	482 254	341 669	322 685	272 629	166 742	205 834	240 028
NII	0	18 649	15 803	9 300	13 752	23 429	27 718	20 687
NCI	0	84 273	47 119	6 744	17 834	1 755	1 563	1 603
NCI / NII	-	451,9%	298,2%	72,5%	129,7%	7,5%	5,6%	7,7%

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.