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	BANK ZHILIZCHNOGO FINANSIROVANIYAI want to buy a report	add to comparison
Central Bank of Russia registration number: 3138  retail lending, 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	0,96%	-0,77%	-2,05%	0,00%	-1,16%	-0,39%	0,20%	3,72%	6,39%	8,70%	14,99%	32,01%
RoE	5,54%	-4,57%	-12,37%	0,00%	-7,60%	-2,33%	1,09%	20,68%	34,06%	44,52%	71,58%	183,88%
Leverage cap. adequacy	5,8 / 17,4%	5,9 / 16,9%	6,0 / 16,6%	6,4 / 15,6%	6,5 / 15,4%	5,9 / 16,8%	5,4 / 18,5%	5,5 / 18,0%	5,3 / 18,8%	5,1 / 19,6%	4,8 / 20,9%	5,7 / 17,4%
NIM	12,73%	11,03%	10,59%	0,00%	7,36%	7,85%	8,99%	7,93%	10,62%	12,17%	15,83%	24,32%
Return on assets	17,21%	15,70%	15,54%	0,00%	13,39%	14,44%	15,52%	14,73%	17,12%	19,14%	22,69%	30,96%
Cost of liabilities	5,28%	5,18%	5,28%	0,00%	6,74%	7,40%	7,79%	7,82%	7,25%	7,31%	7,54%	7,56%
Net spread	11,93%	10,52%	10,26%	0,00%	6,65%	7,04%	7,73%	6,91%	9,87%	11,83%	15,15%	23,40%
Cost / income	66,11%	79,09%	124,31%	0,00%	99,26%	85,13%	75,29%	93,85%	67,27%	64,58%	53,53%	37,29%
Cost of assets	6,69%	6,56%	6,62%	0,00%	6,69%	6,79%	7,11%	7,19%	8,34%	9,02%	9,47%	9,93%
Net assets	14 220 376	14 157 103	13 883 849	13 103 454	12 317 532	11 551 147	11 280 104	11 368 514	11 161 677	10 841 387	10 324 874	9 875 020
Average equity	2 468 408	2 398 614	2 302 633	2 039 108	1 893 032	1 942 851	2 082 634	2 049 767	2 094 891	2 120 191	2 162 778	1 719 091
Average % assets	10 545 163	10 938 417	10 347 919	10 063 519	9 578 310	8 674 832	8 129 103	8 318 057	8 197 658	7 628 500	6 993 072	6 812 414
Average % liabilities	11 514 812	11 520 199	11 326 237	10 633 421	10 135 202	9 304 523	8 854 935	8 980 108	8 857 904	8 525 682	7 980 439	7 961 172
NII	1 342 594	905 673	547 942	276 641	705 693	510 995	365 733	164 980	870 739	696 547	553 743	414 346
NCI	183 982	123 824	47 073	18 940	75 474	47 491	25 770	8 622	53 223	31 261	15 250	3 679
NCI / NII	13,7%	13,7%	8,6%	6,8%	10,7%	9,3%	7,0%	5,2%	6,1%	4,5%	2,8%	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	6,16%	1,69%	1,70%	0,00%	-3,56%	-1,57%	-3,35%	3,72%	0,20%	-2,44%	-0,62%	32,01%
RoE	35,49%	10,03%	10,27%	0,00%	-23,21%	-9,37%	-18,16%	20,68%	1,09%	-12,48%	-2,98%	183,88%
Leverage cap. adequacy	5,8 / 17,4%	5,9 / 16,9%	6,0 / 16,6%	6,4 / 15,6%	6,5 / 15,4%	5,9 / 16,8%	5,4 / 18,5%	5,5 / 18,0%	5,3 / 18,8%	5,1 / 19,6%	4,8 / 20,9%	5,7 / 17,4%
NIM	16,57%	13,08%	10,48%	0,00%	8,13%	6,69%	9,87%	7,93%	8,49%	7,48%	7,97%	24,32%
Return on assets	19,96%	17,70%	15,26%	0,00%	14,31%	14,24%	15,98%	14,73%	15,06%	15,82%	15,21%	30,96%
Cost of liabilities	5,57%	5,16%	5,21%	0,00%	6,59%	7,37%	7,63%	7,82%	7,88%	7,81%	7,55%	7,56%
Net spread	14,39%	12,54%	10,05%	0,00%	7,72%	6,87%	8,35%	6,91%	7,18%	8,01%	7,66%	23,40%
Cost / income	43,10%	48,26%	57,34%	0,00%	156,50%	113,85%	62,38%	93,85%	77,02%	102,58%	94,19%	37,29%
Cost of assets	6,29%	7,14%	6,91%	0,00%	8,36%	6,95%	6,94%	7,19%	8,25%	9,68%	9,51%	9,93%
Net assets	14 220 376	14 157 103	13 883 849	13 103 454	12 317 532	11 551 147	11 280 104	11 368 514	11 161 677	10 841 387	10 324 874	9 875 020
Average equity	2 468 408	2 398 614	2 302 633	2 039 108	1 893 032	1 942 851	2 082 634	2 049 767	2 094 891	2 120 191	2 162 778	1 719 091
Average % assets	10 545 163	10 938 417	10 347 919	10 063 519	9 578 310	8 674 832	8 129 103	8 318 057	8 197 658	7 628 500	6 993 072	6 812 414
Average % liabilities	11 514 812	11 520 199	11 326 237	10 633 421	10 135 202	9 304 523	8 854 935	8 980 108	8 857 904	8 525 682	7 980 439	7 961 172
NII	436 921	357 731	271 301	276 641	194 698	145 262	200 753	164 980	174 192	142 804	139 397	414 346
NCI	60 158	76 751	28 133	18 940	27 983	21 721	17 148	8 622	21 962	16 011	11 571	3 679
NCI / NII	13,8%	21,5%	10,4%	6,8%	14,4%	15,0%	8,5%	5,2%	12,6%	11,2%	8,3%	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 - 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.