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Central Bank of Russia registration number: 2749

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

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	0,00%	0,00%	0,00%	0,00%	6,43%	5,87%	6,40%	11,77%	7,82%	8,92%	0,03%	7,80%
RoE	0,00%	0,00%	0,00%	0,00%	37,85%	39,95%	34,93%	45,48%	29,20%	37,38%	0,13%	32,03%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	3,1 / 32,3%	4,0 / 25,3%	5,9 / 17,0%	6,8 / 14,7%	5,5 / 18,3%	3,9 / 25,9%	3,7 / 26,8%	4,2 / 23,9%	3,7 / 26,9%	4,1 / 24,4%
NIM	0,00%	0,00%	0,00%	0,00%	3,88%	3,21%	4,29%	6,87%	7,79%	7,68%	9,30%	7,90%
Return on assets	0,00%	0,00%	0,00%	0,00%	3,88%	3,21%	4,29%	6,87%	7,79%	7,68%	9,30%	7,90%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	0,00%	0,00%	0,00%	3,88%	3,21%	4,29%	6,87%	7,79%	7,68%	9,30%	7,90%
Cost / income	0,00%	0,00%	0,00%	0,00%	32,19%	33,14%	36,48%	36,16%	40,16%	36,61%	37,95%	34,39%
Cost of assets	0,00%	0,00%	0,00%	0,00%	6,74%	5,35%	7,61%	15,76%	16,82%	13,77%	16,03%	11,85%
Net assets	0	0	1 177 014	1 515 083	2 087 979	2 092 766	1 511 824	1 020 172	929 146	910 109	729 723	795 525
Average equity	0	0	380 714	383 498	354 854	307 560	277 385	264 192	249 087	217 234	195 985	193 825
Average % assets	0	0	700 000	667 399	1 125 750	1 310 578	844 810	420 501	400 731	427 020	359 914	475 354
Average % liabilities	0	0	302 824	390 536	350 537	308 650	289 846	303 477	308 372	361 363	291 558	302 765
NII	0	0	0	0	43 718	31 577	18 136	7 227	31 240	24 613	16 737	9 391
NCI	0	0	0	0	193 432	124 132	69 975	37 532	139 117	97 915	60 860	32 661
NCI / NII	-	-	-	-	442,5%	393,1%	385,8%	519,3%	445,3%	397,8%	363,6%	347,8%

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	0,00%	0,00%	0,00%	0,00%	8,07%	8,35%	4,87%	11,77%	5,09%	26,71%	-8,43%	7,80%
RoE	0,00%	0,00%	0,00%	0,00%	47,53%	56,84%	26,54%	45,48%	19,00%	111,90%	-31,41%	32,03%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	3,1 / 32,3%	4,0 / 25,3%	5,9 / 17,0%	6,8 / 14,7%	5,5 / 18,3%	3,9 / 25,9%	3,7 / 26,8%	4,2 / 23,9%	3,7 / 26,9%	4,1 / 24,4%
NIM	0,00%	0,00%	0,00%	0,00%	4,31%	4,10%	5,16%	6,87%	6,61%	7,37%	8,16%	7,90%
Return on assets	0,00%	0,00%	0,00%	0,00%	4,31%	4,10%	5,16%	6,87%	6,61%	7,37%	8,16%	7,90%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	0,00%	0,00%	0,00%	4,31%	4,10%	5,16%	6,87%	6,61%	7,37%	8,16%	7,90%
Cost / income	0,00%	0,00%	0,00%	0,00%	30,24%	28,96%	36,82%	36,16%	49,18%	34,31%	42,12%	34,39%
Cost of assets	0,00%	0,00%	0,00%	0,00%	8,29%	6,23%	7,38%	15,76%	23,25%	14,29%	16,41%	11,85%
Net assets	0	0	1 177 014	1 515 083	2 087 979	2 092 766	1 511 824	1 020 172	929 146	910 109	729 723	795 525
Average equity	0	0	380 714	383 498	354 854	307 560	277 385	264 192	249 087	217 234	195 985	193 825
Average % assets	0	0	700 000	667 399	1 125 750	1 310 578	844 810	420 501	400 731	427 020	359 914	475 354
Average % liabilities	0	0	302 824	390 536	350 537	308 650	289 846	303 477	308 372	361 363	291 558	302 765
NII	0	0	0	0	12 141	13 441	10 909	7 227	6 627	7 876	7 346	9 391
NCI	0	0	0	0	69 300	54 157	32 443	37 532	41 202	37 055	28 199	32 661
NCI / NII	-	-	-	-	570,8%	402,9%	297,4%	519,3%	621,7%	470,5%	383,9%	347,8%

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.