Mailing list archive

	URALSKIY FINANSOVIY DOMI want to buy a report	add to comparison
Central Bank of Russia registration number: 249  retail lending, CB RF representative, complies with 214-FZ (equity construction)

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	2,10%	1,36%	1,41%	0,00%	0,46%	-0,01%	-1,08%	0,30%	0,98%	2,19%	2,72%	1,11%
RoE	12,65%	8,61%	9,28%	0,00%	3,19%	-0,12%	-7,60%	2,23%	7,07%	15,69%	20,21%	8,36%
Leverage cap. adequacy	6,0 / 16,6%	6,3 / 15,8%	6,6 / 15,3%	6,7 / 15,0%	6,8 / 14,6%	7,0 / 14,4%	7,0 / 14,3%	7,4 / 13,6%	7,2 / 13,9%	7,1 / 14,0%	7,4 / 13,5%	7,5 / 13,4%
NIM	3,91%	4,06%	3,83%	0,00%	4,47%	4,65%	4,74%	4,45%	4,94%	5,34%	5,29%	5,16%
Return on assets	8,13%	7,89%	7,60%	0,00%	8,93%	9,31%	9,58%	9,42%	9,89%	9,88%	9,70%	9,63%
Cost of liabilities	4,41%	4,32%	4,27%	0,00%	4,96%	4,98%	5,11%	5,02%	5,22%	5,24%	5,17%	5,13%
Net spread	3,72%	3,57%	3,33%	0,00%	3,97%	4,33%	4,47%	4,40%	4,67%	4,64%	4,53%	4,50%
Cost / income	94,52%	83,16%	83,66%	0,00%	77,94%	71,31%	72,17%	56,86%	75,73%	63,67%	63,75%	61,87%
Cost of assets	5,84%	5,24%	4,94%	0,00%	5,36%	5,12%	5,13%	5,12%	5,82%	5,48%	5,53%	5,28%
Net assets	21 898 492	22 350 596	22 894 283	22 814 638	23 013 313	22 988 048	23 398 072	25 237 364	24 662 747	24 453 997	24 018 703	22 721 752
Average equity	3 637 751	3 530 530	3 495 205	3 414 504	3 365 489	3 302 175	3 347 471	3 422 793	3 425 831	3 423 309	3 240 598	3 034 254
Average % assets	20 319 414	20 999 109	21 647 827	21 713 630	21 700 148	21 483 587	21 775 545	23 199 480	22 661 366	22 430 412	22 228 078	20 813 149
Average % liabilities	17 826 490	18 373 858	19 020 171	19 071 887	19 295 436	19 302 649	19 623 293	21 412 025	20 983 014	20 793 465	20 567 939	19 502 596
NII	795 836	640 546	415 330	202 034	971 950	749 633	516 644	258 275	1 121 571	898 930	587 967	268 810
NCI	270 027	200 701	126 311	58 851	308 216	229 439	148 062	80 719	420 880	319 954	223 800	98 386
NCI / NII	33,9%	31,3%	30,4%	29,1%	31,7%	30,6%	28,7%	31,3%	37,5%	35,6%	38,1%	36,6%

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	4,24%	1,17%	-1,09%	0,00%	1,92%	2,15%	-2,50%	0,30%	-2,60%	1,23%	4,39%	1,11%
RoE	25,52%	7,45%	-7,16%	0,00%	13,13%	15,03%	-17,49%	2,23%	-18,73%	8,81%	32,60%	8,36%
Leverage cap. adequacy	6,0 / 16,6%	6,3 / 15,8%	6,6 / 15,3%	6,7 / 15,0%	6,8 / 14,6%	7,0 / 14,4%	7,0 / 14,3%	7,4 / 13,6%	7,2 / 13,9%	7,1 / 14,0%	7,4 / 13,5%	7,5 / 13,4%
NIM	3,05%	4,29%	3,94%	0,00%	4,09%	4,33%	4,74%	4,45%	3,92%	5,54%	5,74%	5,16%
Return on assets	8,04%	8,00%	7,56%	0,00%	8,04%	8,52%	9,12%	9,42%	10,22%	10,43%	10,38%	9,63%
Cost of liabilities	4,28%	4,11%	4,28%	0,00%	4,88%	4,55%	4,74%	5,02%	5,31%	5,49%	5,48%	5,13%
Net spread	3,76%	3,89%	3,28%	0,00%	3,16%	3,97%	4,38%	4,40%	4,91%	4,94%	4,90%	4,50%
Cost / income	137,30%	82,25%	88,48%	0,00%	99,86%	69,55%	105,84%	56,86%	134,78%	63,50%	65,33%	61,87%
Cost of assets	7,12%	5,49%	5,33%	0,00%	6,37%	4,89%	4,71%	5,12%	7,04%	5,52%	6,16%	5,28%
Net assets	21 898 492	22 350 596	22 894 283	22 814 638	23 013 313	22 988 048	23 398 072	25 237 364	24 662 747	24 453 997	24 018 703	22 721 752
Average equity	3 637 751	3 530 530	3 495 205	3 414 504	3 365 489	3 302 175	3 347 471	3 422 793	3 425 831	3 423 309	3 240 598	3 034 254
Average % assets	20 319 414	20 999 109	21 647 827	21 713 630	21 700 148	21 483 587	21 775 545	23 199 480	22 661 366	22 430 412	22 228 078	20 813 149
Average % liabilities	17 826 490	18 373 858	19 020 171	19 071 887	19 295 436	19 302 649	19 623 293	21 412 025	20 983 014	20 793 465	20 567 939	19 502 596
NII	155 290	225 216	213 296	202 034	222 317	232 989	258 369	258 275	222 641	310 963	319 157	268 810
NCI	69 326	74 390	67 460	58 851	78 777	81 377	67 343	80 719	100 926	96 154	125 414	98 386
NCI / NII	44,6%	33,0%	31,6%	29,1%	35,4%	34,9%	26,1%	31,3%	45,3%	30,9%	39,3%	36,6%

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.