Kuap. Ru - Finanzanalyse des Bank ЮНИСТРИМ, Finanzkennzahlen, Berichte Bank Analyse



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  • no. of Russian banks - 857,
    including NKOs - 51
  • no. of Ukrainian banks - 172
  • белорусских банков - 39
  • Balances (F. 101), ratios (F. 135) and capital (F. 123 and 134) available
    at 1 February 2022
  • Income (F. 102) available
    at 1 January 2022
 

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Central Bank of Russia registration number: 3467  Gebietsfremde Aktionäre

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
RoA1,87%1,59%1,95%0,00%-0,97%-2,06%-2,98%-6,19%0,33%1,34%3,67%3,13%
RoE5,00%4,56%5,67%0,00%-3,08%-6,41%-9,23%-21,16%1,00%3,78%10,70%9,74%
Leverage
cap. adequacy
2,7 / 37,5%2,9 / 35,0%2,9 / 34,5%3,1 / 32,6%3,2 / 31,5%3,1 / 32,1%3,1 / 32,3%3,4 / 29,3%3,0 / 33,2%2,8 / 35,6%2,9 / 34,3%3,1 / 32,2%
NIM0,00%0,00%0,00%0,00%0,00%0,00%0,00%0,00%6,07%5,27%6,10%4,23%
Return on
assets
4,79%3,73%4,27%0,00%5,31%5,39%7,34%8,48%6,71%5,83%6,69%4,66%
Cost of
liabilities
4,89%4,83%5,28%0,00%5,51%7,48%7,00%4,71%0,42%0,55%0,51%0,54%
Net
spread
-0,10%-1,10%-1,01%0,00%-0,20%-2,09%0,34%3,77%6,29%5,28%6,18%4,12%
Cost /
income
94,48%95,31%93,51%0,00%102,27%106,22%113,78%129,87%97,52%94,04%89,69%92,26%
Cost of
assets
169,14%148,49%186,77%0,00%219,28%214,82%256,93%357,29%232,92%201,25%235,43%129,94%
Net
assets
3 154 7783 340 3393 368 8693 562 8633 673 2393 571 9133 560 2054 012 9083 654 3613 424 4663 495 4733 668 427
Average
equity
1 184 5811 168 1721 161 8661 162 3161 156 3641 148 2291 151 3131 175 2131 214 6451 218 4431 198 2741 179 434
Average
% assets
649 874749 738571 743481 854581 812584 115468 033395 291691 553800 263714 0781 169 553
Average
% liabilities
707 960765 710744 003885 709944 202727 374795 0381 333 4731 429 5011 110 8201 208 1481 305 176
NII0000000041 99431 65121 80012 380
NCI319 187242 771164 22083 036410 158311 177176 47484 011410 873347 093217 36868 747
NCI / NII--------978,4%1 096,6%997,1%555,3%

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
RoA2,44%0,84%0,44%0,00%2,12%-0,23%1,01%-6,19%-2,45%-3,44%4,05%3,13%
RoE6,50%2,41%1,29%0,00%6,75%-0,71%3,12%-21,16%-7,39%-9,69%11,81%9,74%
Leverage
cap. adequacy
2,7 / 37,5%2,9 / 35,0%2,9 / 34,5%3,1 / 32,6%3,2 / 31,5%3,1 / 32,1%3,1 / 32,3%3,4 / 29,3%3,0 / 33,2%2,8 / 35,6%2,9 / 34,3%3,1 / 32,2%
NIM2,03%0,36%0,00%0,00%0,00%0,00%0,00%0,00%5,98%4,92%5,27%4,23%
Return on
assets
6,24%4,68%4,64%0,00%5,01%4,41%7,52%8,48%6,62%5,54%5,74%4,66%
Cost of
liabilities
3,89%4,22%5,09%0,00%4,74%7,15%6,09%4,71%0,40%0,56%0,43%0,54%
Net
spread
2,35%0,46%-0,45%0,00%0,27%-2,74%1,43%3,77%6,22%4,98%5,31%4,12%
Cost /
income
91,93%98,63%96,82%0,00%92,58%95,13%97,26%129,87%109,90%105,37%87,60%92,26%
Cost of
assets
162,64%162,42%206,53%0,00%229,93%234,03%216,78%357,29%230,50%187,50%253,90%129,94%
Net
assets
3 154 7783 340 3393 368 8693 562 8633 673 2393 571 9133 560 2054 012 9083 654 3613 424 4663 495 4733 668 427
Average
equity
1 184 5811 168 1721 161 8661 162 3161 156 3641 148 2291 151 3131 175 2131 214 6451 218 4431 198 2741 179 434
Average
% assets
649 874749 738571 743481 854581 812584 115468 033395 291691 553800 263714 0781 169 553
Average
% liabilities
707 960765 710744 003885 709944 202727 374795 0381 333 4731 429 5011 110 8201 208 1481 305 176
NII3 30569200000010 3439 8519 42012 380
NCI76 41678 55181 18483 03698 981134 70392 46384 01163 780129 725148 62168 747
NCI / NII2 312,1%11 351,3%------616,6%1 316,9%1 577,7%555,3%

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.