Архив рассылки

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Central Bank of Russia registration number: 256  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	-13,42%	-5,79%	1,44%	0,00%	-1,83%	-3,53%	1,15%	-3,15%	1,73%	0,99%	2,73%	4,21%
RoE	-26,92%	-11,56%	2,93%	0,00%	-3,25%	-6,53%	2,26%	-6,18%	2,93%	1,70%	4,72%	8,13%
Leverage cap. adequacy	2,0 / 49,9%	2,0 / 50,1%	2,0 / 49,4%	1,7 / 57,4%	1,8 / 56,3%	1,8 / 54,2%	2,0 / 50,8%	2,0 / 51,0%	1,7 / 59,0%	1,7 / 58,3%	1,7 / 57,9%	1,9 / 51,8%
NIM	8,96%	7,24%	5,90%	0,00%	6,68%	6,42%	6,30%	6,91%	15,59%	18,23%	24,12%	36,62%
Return on assets	8,82%	7,17%	5,86%	0,00%	6,72%	6,49%	6,39%	6,99%	15,79%	18,45%	24,31%	36,82%
Cost of liabilities	0,30%	0,31%	0,31%	0,00%	0,56%	0,53%	0,46%	0,48%	0,99%	0,98%	0,82%	0,72%
Net spread	8,52%	6,86%	5,55%	0,00%	6,16%	5,96%	5,93%	6,51%	14,80%	17,47%	23,49%	36,10%
Cost / income	59,32%	60,05%	65,29%	0,00%	57,47%	57,02%	57,78%	76,35%	32,70%	28,92%	23,10%	14,19%
Cost of assets	13,44%	8,58%	6,63%	0,00%	7,33%	6,80%	6,31%	6,10%	6,92%	6,93%	7,21%	6,36%
Net assets	5 730 431	6 401 996	6 648 509	5 691 160	5 755 475	5 997 794	6 631 737	6 600 715	5 668 592	5 706 617	5 771 373	6 394 410
Average equity	2 857 212	3 204 201	3 286 267	3 265 578	3 238 439	3 249 223	3 366 665	3 364 557	3 343 627	3 328 485	3 341 189	3 311 967
Average % assets	3 902 577	4 882 342	6 143 770	5 083 253	5 610 038	5 947 028	6 460 170	6 618 740	5 922 072	5 965 119	5 830 211	6 405 744
Average % liabilities	2 767 637	3 086 277	3 245 357	2 302 267	2 390 675	2 610 232	3 120 670	3 123 427	2 291 616	2 343 753	2 402 304	3 049 485
NII	349 895	265 387	181 284	82 549	375 092	286 517	203 571	114 450	923 465	815 840	703 250	586 480
NCI	19 285	13 680	9 172	5 271	21 840	13 282	9 049	6 238	29 327	15 495	10 418	5 168
NCI / NII	5,5%	5,2%	5,1%	6,4%	5,8%	4,6%	4,4%	5,5%	3,2%	1,9%	1,5%	0,9%

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	-34,30%	-20,38%	1,47%	0,00%	3,74%	-13,16%	5,43%	-3,15%	3,91%	-2,54%	0,79%	4,21%
RoE	-68,79%	-40,72%	2,97%	0,00%	6,64%	-24,29%	10,71%	-6,18%	6,64%	-4,37%	1,38%	8,13%
Leverage cap. adequacy	2,0 / 49,9%	2,0 / 50,1%	2,0 / 49,4%	1,7 / 57,4%	1,8 / 56,3%	1,8 / 54,2%	2,0 / 50,8%	2,0 / 51,0%	1,7 / 59,0%	1,7 / 58,3%	1,7 / 57,9%	1,9 / 51,8%
NIM	8,66%	6,89%	6,42%	0,00%	6,31%	5,57%	5,51%	6,91%	7,26%	7,54%	8,01%	36,62%
Return on assets	8,36%	6,76%	6,34%	0,00%	6,23%	5,59%	5,61%	6,99%	7,39%	7,83%	8,17%	36,82%
Cost of liabilities	0,16%	0,28%	0,29%	0,00%	0,50%	0,49%	0,43%	0,48%	0,96%	1,25%	0,72%	0,72%
Net spread	8,20%	6,48%	6,05%	0,00%	5,73%	5,10%	5,18%	6,51%	6,43%	6,58%	7,45%	36,10%
Cost / income	57,37%	50,28%	63,90%	0,00%	58,90%	55,31%	46,44%	76,35%	54,13%	60,37%	60,20%	14,19%
Cost of assets	14,15%	7,52%	6,76%	0,00%	7,15%	6,07%	6,30%	6,10%	6,86%	6,77%	7,28%	6,36%
Net assets	5 730 431	6 401 996	6 648 509	5 691 160	5 755 475	5 997 794	6 631 737	6 600 715	5 668 592	5 706 617	5 771 373	6 394 410
Average equity	2 857 212	3 204 201	3 286 267	3 265 578	3 238 439	3 249 223	3 366 665	3 364 557	3 343 627	3 328 485	3 341 189	3 311 967
Average % assets	3 902 577	4 882 342	6 143 770	5 083 253	5 610 038	5 947 028	6 460 170	6 618 740	5 922 072	5 965 119	5 830 211	6 405 744
Average % liabilities	2 767 637	3 086 277	3 245 357	2 302 267	2 390 675	2 610 232	3 120 670	3 123 427	2 291 616	2 343 753	2 402 304	3 049 485
NII	84 508	84 103	98 735	82 549	88 575	82 946	89 121	114 450	107 625	112 590	116 770	586 480
NCI	5 605	4 508	3 901	5 271	8 558	4 233	2 811	6 238	13 832	5 077	5 250	5 168
NCI / NII	6,6%	5,4%	4,0%	6,4%	9,7%	5,1%	3,2%	5,5%	12,9%	4,5%	4,5%	0,9%

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 - 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.