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Central Bank of Russia registration number: 3499

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. 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%	-0,34%	-0,46%	0,20%	1,52%	1,92%	1,80%	1,98%
RoE	0,00%	-3,29%	-4,37%	2,35%	13,57%	18,13%	18,95%	17,85%
Leverage cap. adequacy	10,5 / 9,5%	9,7 / 10,4%	9,4 / 10,7%	11,6 / 8,6%	8,9 / 11,3%	9,4 / 10,6%	10,5 / 9,5%	9,0 / 11,1%
NIM	0,00%	3,68%	7,46%	9,18%	8,25%	6,40%	7,62%	7,43%
Return on assets	0,00%	3,85%	7,79%	9,49%	8,25%	6,40%	7,62%	7,43%
Cost of liabilities	0,00%	3,86%	0,92%	0,87%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	-0,01%	6,87%	8,62%	8,25%	6,40%	7,62%	7,43%
Cost / income	0,00%	112,36%	106,25%	67,37%	79,18%	81,12%	82,12%	78,91%
Cost of assets	0,00%	8,99%	17,51%	17,07%	12,02%	18,45%	21,38%	19,00%
Net assets	4 872 327	4 313 435	4 209 407	5 052 194	3 839 385	4 055 597	4 259 048	3 529 970
Average equity	463 858	446 789	448 408	434 562	432 071	430 710	406 522	391 591
Average % assets	2 280 655	2 202 711	1 190 605	1 240 431	1 445 669	2 083 914	1 747 376	1 589 825
Average % liabilities	156 117	106 045	457 360	493 943	371 307	553 745	350 064	147 291
NII	0	60 811	44 441	28 497	119 403	100 159	66 614	29 552
NCI	0	34 040	19 601	36 475	34 047	187 629	109 032	48 683
NCI / NII	-	56,0%	44,1%	128,0%	28,5%	187,3%	163,7%	164,7%

Key financial ratios of the bank for the quarter specified

	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	0,90%	-0,11%	-1,17%	0,20%	0,01%	1,97%	1,97%	1,98%
RoE	9,53%	-1,11%	-11,03%	2,35%	0,09%	18,61%	20,70%	17,85%
Leverage cap. adequacy	10,5 / 9,5%	9,7 / 10,4%	9,4 / 10,7%	11,6 / 8,6%	8,9 / 11,3%	9,4 / 10,6%	10,5 / 9,5%	9,0 / 11,1%
NIM	0,00%	2,97%	5,35%	9,18%	5,32%	6,43%	8,48%	7,43%
Return on assets	0,00%	3,14%	5,70%	9,49%	5,32%	6,43%	8,48%	7,43%
Cost of liabilities	0,00%	3,60%	0,90%	0,87%	0,00%	0,00%	0,00%	0,00%
Net spread	0,00%	-0,46%	4,80%	8,62%	5,32%	6,43%	8,48%	7,43%
Cost / income	112,36%	124,64%	270,56%	67,37%	83,98%	79,52%	84,44%	78,91%
Cost of assets	-25,96%	9,93%	17,07%	17,07%	-34,57%	20,84%	25,55%	19,00%
Net assets	4 872 327	4 313 435	4 209 407	5 052 194	3 839 385	4 055 597	4 259 048	3 529 970
Average equity	463 858	446 789	448 408	434 562	432 071	430 710	406 522	391 591
Average % assets	2 280 655	2 202 711	1 190 605	1 240 431	1 445 669	2 083 914	1 747 376	1 589 825
Average % liabilities	156 117	106 045	457 360	493 943	371 307	553 745	350 064	147 291
NII	0	16 370	15 944	28 497	19 244	33 545	37 062	29 552
NCI	0	14 439	0	36 475	0	78 597	60 349	48 683
NCI / NII	-	88,2%	0,0%	128,0%	0,0%	234,3%	162,8%	164,7%

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.