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Central Bank of Russia registration number: 3510  complies with 213-FZ (work with state companies)

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

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	8,25%	8,80%	9,10%	0,00%	11,40%	11,39%	12,65%	14,45%	15,07%	17,77%	14,29%	17,05%
RoE	20,11%	18,90%	18,75%	0,00%	31,83%	29,59%	31,52%	33,21%	30,55%	33,27%	36,71%	45,16%
Leverage cap. adequacy	2,4 / 41,0%	2,1 / 46,6%	2,1 / 48,6%	2,6 / 38,3%	2,8 / 35,8%	2,6 / 38,5%	2,5 / 40,1%	2,3 / 43,5%	2,0 / 49,3%	1,9 / 53,4%	2,6 / 38,9%	2,6 / 37,8%
NIM	4,86%	4,64%	4,44%	0,00%	3,55%	4,04%	4,97%	5,74%	6,35%	6,74%	7,12%	7,47%
Return on assets	5,05%	4,83%	4,63%	0,00%	3,67%	4,20%	5,17%	5,98%	6,35%	6,74%	7,12%	7,47%
Cost of liabilities	0,39%	0,41%	0,45%	0,00%	0,25%	0,33%	0,44%	0,55%	0,00%	0,00%	0,00%	0,00%
Net spread	4,66%	4,42%	4,18%	0,00%	3,42%	3,87%	4,73%	5,43%	6,35%	6,74%	7,12%	7,47%
Cost / income	61,46%	63,98%	64,92%	0,00%	53,34%	56,96%	56,70%	56,68%	60,19%	58,46%	56,14%	50,56%
Cost of assets	21,18%	23,57%	25,10%	0,00%	19,14%	21,93%	26,10%	29,34%	29,62%	29,32%	30,30%	30,31%
Net assets	24 725 641	20 527 421	18 721 874	22 797 532	22 488 474	18 828 150	16 775 768	14 220 142	11 719 096	9 943 573	12 556 838	11 655 962
Average equity	10 144 998	9 565 970	9 094 083	8 725 410	8 061 051	7 251 808	6 733 243	6 190 178	5 782 459	5 311 552	4 888 112	4 400 614
Average % assets	19 547 500	17 392 500	16 058 750	18 596 500	19 492 750	16 515 000	13 671 250	11 680 000	11 447 500	10 692 500	9 792 500	8 860 000
Average % liabilities	9 728 529	7 845 848	6 758 697	9 127 809	9 568 633	7 859 208	6 150 134	5 012 578	2 876 444	1 770 013	4 672 258	4 499 374
NII	950 013	606 120	356 784	176 156	692 152	501 320	339 845	167 873	727 761	540 714	349 047	165 539
NCI	5 895 815	4 263 890	2 760 911	1 365 512	6 276 475	4 220 769	2 753 368	1 299 015	4 927 106	3 505 953	2 300 992	1 158 726
NCI / NII	620,6%	703,5%	773,8%	775,2%	906,8%	841,9%	810,2%	773,8%	677,0%	648,4%	659,2%	700,0%

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	11,07%	9,81%	7,76%	0,00%	17,00%	11,64%	13,05%	14,45%	15,05%	17,22%	12,75%	17,05%
RoE	26,98%	21,05%	15,98%	0,00%	47,45%	30,23%	32,51%	33,21%	30,50%	32,24%	32,77%	45,16%
Leverage cap. adequacy	2,4 / 41,0%	2,1 / 46,6%	2,1 / 48,6%	2,6 / 38,3%	2,8 / 35,8%	2,6 / 38,5%	2,5 / 40,1%	2,3 / 43,5%	2,0 / 49,3%	1,9 / 53,4%	2,6 / 38,9%	2,6 / 37,8%
NIM	7,03%	5,73%	4,49%	0,00%	3,91%	3,91%	5,03%	5,74%	6,53%	7,17%	7,49%	7,47%
Return on assets	7,33%	5,93%	4,71%	0,00%	4,02%	4,05%	5,22%	5,98%	6,53%	7,17%	7,49%	7,47%
Cost of liabilities	0,60%	0,44%	0,51%	0,00%	0,22%	0,30%	0,43%	0,55%	0,00%	0,00%	0,00%	0,00%
Net spread	6,73%	5,49%	4,20%	0,00%	3,80%	3,75%	4,79%	5,43%	6,53%	7,17%	7,49%	7,47%
Cost / income	55,18%	62,25%	69,99%	0,00%	45,59%	57,45%	56,73%	56,68%	64,49%	62,92%	61,77%	50,56%
Cost of assets	21,79%	24,36%	27,15%	0,00%	20,83%	22,58%	27,14%	29,34%	36,33%	32,45%	33,18%	30,31%
Net assets	24 725 641	20 527 421	18 721 874	22 797 532	22 488 474	18 828 150	16 775 768	14 220 142	11 719 096	9 943 573	12 556 838	11 655 962
Average equity	10 144 998	9 565 970	9 094 083	8 725 410	8 061 051	7 251 808	6 733 243	6 190 178	5 782 459	5 311 552	4 888 112	4 400 614
Average % assets	19 547 500	17 392 500	16 058 750	18 596 500	19 492 750	16 515 000	13 671 250	11 680 000	11 447 500	10 692 500	9 792 500	8 860 000
Average % liabilities	9 728 529	7 845 848	6 758 697	9 127 809	9 568 633	7 859 208	6 150 134	5 012 578	2 876 444	1 770 013	4 672 258	4 499 374
NII	343 893	249 336	180 628	176 156	190 832	161 475	171 972	167 873	187 047	191 667	183 508	165 539
NCI	1 631 925	1 502 979	1 395 399	1 365 512	2 055 706	1 467 401	1 454 353	1 299 015	1 421 153	1 204 961	1 142 266	1 158 726
NCI / NII	474,5%	602,8%	772,5%	775,2%	1 077,2%	908,7%	845,7%	773,8%	759,8%	628,7%	622,5%	700,0%

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 - 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.