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Central Bank of Russia registration number: 2949  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. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	0,00%	0,39%	0,27%	1,97%
RoE	0,00%	3,33%	2,50%	17,23%
Leverage cap. adequacy	8,0 / 12,5%	8,5 / 11,8%	9,0 / 11,2%	8,7 / 11,4%
NIM	0,00%	11,74%	12,66%	15,61%
Return on assets	0,00%	19,20%	19,89%	22,95%
Cost of liabilities	0,00%	6,65%	6,34%	6,39%
Net spread	0,00%	12,55%	13,55%	16,56%
Cost / income	0,00%	71,32%	68,79%	54,99%
Cost of assets	0,00%	12,34%	12,68%	11,65%
Net assets	7 127 188	7 225 782	7 583 255	7 830 837
Average equity	894 085	853 608	846 703	895 097
Average % assets	6 499 209	6 423 399	6 549 458	6 467 266
Average % liabilities	6 105 105	6 246 272	6 614 787	6 806 572
NII	0	565 861	414 842	252 393
NCI	0	26 398	21 653	17 153
NCI / NII	-	4,7%	5,2%	6,8%

Key financial ratios of the bank for the quarter specified

	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	-1,19%	0,59%	-1,47%	1,97%
RoE	-9,54%	5,02%	-13,20%	17,23%
Leverage cap. adequacy	8,0 / 12,5%	8,5 / 11,8%	9,0 / 11,2%	8,7 / 11,4%
NIM	0,00%	9,40%	9,92%	15,61%
Return on assets	0,00%	17,04%	17,11%	22,95%
Cost of liabilities	0,00%	6,52%	6,09%	6,39%
Net spread	0,00%	10,52%	11,02%	16,56%
Cost / income	71,32%	78,39%	87,51%	54,99%
Cost of assets	-36,59%	10,72%	13,69%	11,65%
Net assets	7 127 188	7 225 782	7 583 255	7 830 837
Average equity	894 085	853 608	846 703	895 097
Average % assets	6 499 209	6 423 399	6 549 458	6 467 266
Average % liabilities	6 105 105	6 246 272	6 614 787	6 806 572
NII	0	151 019	162 449	252 393
NCI	0	4 745	4 500	17 153
NCI / NII	-	3,1%	2,8%	6,8%

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.