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Central Bank of Russia registration number: 3481  ausländisch beherrschten, Retailbank, Autokrediten

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	0,00%	0,00%	0,00%	0,00%	-6,81%	-1,11%	3,46%	2,30%	-1,84%	2,86%	4,33%	-1,59%
RoE	0,00%	0,00%	0,00%	0,00%	-6,94%	-1,14%	3,53%	2,37%	-2,04%	3,78%	5,81%	-1,62%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	1,0 / 97,7%	1,0 / 98,0%	1,0 / 98,1%	1,0 / 97,8%	1,0 / 97,0%	1,1 / 90,0%	1,3 / 75,6%	1,3 / 74,7%	1,0 / 97,8%
NIM	0,00%	0,00%	0,00%	0,00%	8,69%	11,00%	32,99%	70,19%	44,04%	21,46%	21,32%	20,17%
Return on assets	0,00%	0,00%	0,00%	0,00%	3,81%	4,15%	9,26%	11,86%	17,49%	9,14%	8,85%	9,94%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	41,64%	9,32%	7,71%	5,99%	14,51%	5,33%	3,94%	6,71%
Net spread	0,00%	0,00%	0,00%	0,00%	-37,83%	-5,17%	1,55%	5,87%	2,98%	3,81%	4,91%	3,23%
Cost / income	0,00%	0,00%	0,00%	0,00%	115,52%	94,99%	89,96%	99,37%	127,59%	66,88%	57,96%	54,11%
Cost of assets	0,00%	0,00%	0,00%	0,00%	8,22%	8,70%	24,38%	53,62%	27,95%	12,45%	12,57%	12,59%
Net assets	0	0	0	2 270 866	2 473 017	3 109 016	3 279 864	3 292 804	3 636 240	4 675 440	4 982 342	4 189 481
Average equity	0	0	0	2 217 794	2 424 523	3 050 457	3 208 248	3 195 161	3 273 554	3 536 599	3 720 782	4 098 995
Average % assets	0	0	0	2 164 712	2 329 722	2 200 846	908 527	497 560	1 206 479	2 717 563	2 774 864	2 862 148
Average % liabilities	0	0	0	109	2 483	14 243	22 123	39 760	313 049	1 082 753	958 001	58 794
NII	0	0	0	0	202 585	181 720	149 872	87 313	531 426	437 504	295 825	144 388
NCI	0	0	0	0	0	0	30	63	0	0	0	0
NCI / NII	-	-	-	-	0,0%	0,0%	0,0%	0,1%	0,0%	0,0%	0,0%	0,0%

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%	-23,02%	-10,66%	4,60%	2,30%	-18,41%	-0,66%	10,01%	-1,59%
RoE	0,00%	0,00%	0,00%	0,00%	-23,48%	-10,86%	4,71%	2,37%	-20,45%	-0,87%	13,41%	-1,62%
Leverage cap. adequacy	0,0 / 0,0%	0,0 / 0,0%	0,0 / 0,0%	1,0 / 97,7%	1,0 / 98,0%	1,0 / 98,1%	1,0 / 97,8%	1,0 / 97,0%	1,1 / 90,0%	1,3 / 75,6%	1,3 / 74,7%	1,0 / 97,8%
NIM	0,00%	0,00%	0,00%	0,00%	3,58%	5,78%	27,54%	70,19%	31,13%	20,85%	21,82%	20,17%
Return on assets	0,00%	0,00%	0,00%	0,00%	3,47%	4,82%	12,03%	11,86%	8,17%	9,35%	7,45%	9,94%
Cost of liabilities	0,00%	0,00%	0,00%	0,00%	6,12%	4,01%	4,64%	5,99%	2,69%	9,02%	7,47%	6,71%
Net spread	0,00%	0,00%	0,00%	0,00%	-2,65%	0,81%	7,39%	5,87%	5,48%	0,33%	-0,02%	3,23%
Cost / income	0,00%	0,00%	0,00%	0,00%	318,71%	115,02%	78,67%	99,37%	0,00%	92,33%	61,69%	54,11%
Cost of assets	0,00%	0,00%	0,00%	0,00%	8,33%	6,34%	19,39%	53,62%	34,04%	13,38%	13,58%	12,59%
Net assets	0	0	0	2 270 866	2 473 017	3 109 016	3 279 864	3 292 804	3 636 240	4 675 440	4 982 342	4 189 481
Average equity	0	0	0	2 217 794	2 424 523	3 050 457	3 208 248	3 195 161	3 273 554	3 536 599	3 720 782	4 098 995
Average % assets	0	0	0	2 164 712	2 329 722	2 200 846	908 527	497 560	1 206 479	2 717 563	2 774 864	2 862 148
Average % liabilities	0	0	0	109	2 483	14 243	22 123	39 760	313 049	1 082 753	958 001	58 794
NII	0	0	0	0	20 865	31 848	62 559	87 313	93 922	141 679	151 437	144 388
NCI	0	0	0	0	0	0	0	63	0	0	0	0
NCI / NII	-	-	-	-	0,0%	0,0%	0,0%	0,1%	0,0%	0,0%	0,0%	0,0%

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.