Mailing list archive

	BLACK SEA BANK FOR DEVELOPMENT AND RECONSTRUCTIONI want to buy a report	add to comparison
Central Bank of Russia registration number: 3527

General information Emissions0

Balance Profit Profitability

Ratios (f. 135) IFRS reports

Financial analysis

• 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	2,75%	2,59%	1,39%	0,00%	1,49%	1,42%	0,88%	0,78%	-0,53%	-0,70%	-0,16%	0,40%
RoE	39,62%	41,99%	23,11%	0,00%	27,09%	27,17%	16,82%	15,89%	-11,05%	-12,66%	-2,38%	5,85%
Leverage cap. adequacy	14,4 / 7,0%	16,2 / 6,2%	16,6 / 6,0%	16,4 / 6,1%	18,1 / 5,5%	19,0 / 5,3%	19,1 / 5,2%	20,4 / 4,9%	20,6 / 4,9%	17,9 / 5,6%	14,3 / 7,0%	14,4 / 6,9%
NIM	4,44%	3,94%	3,52%	0,00%	2,80%	2,95%	3,40%	3,47%	5,28%	6,24%	8,33%	11,70%
Return on assets	5,93%	5,48%	5,07%	0,00%	5,13%	5,54%	6,40%	6,51%	7,99%	9,00%	11,26%	14,52%
Cost of liabilities	1,77%	1,76%	1,82%	0,00%	2,60%	2,84%	3,29%	3,31%	2,99%	3,08%	3,32%	3,14%
Net spread	4,16%	3,72%	3,25%	0,00%	2,53%	2,70%	3,11%	3,20%	5,00%	5,92%	7,94%	11,38%
Cost / income	58,04%	59,69%	68,59%	0,00%	68,33%	60,09%	66,66%	50,84%	58,25%	53,01%	57,62%	51,52%
Cost of assets	5,80%	5,68%	6,02%	0,00%	5,86%	5,90%	6,44%	6,79%	6,36%	6,65%	7,90%	8,02%
Net assets	7 572 729	7 427 405	7 124 943	6 873 182	7 109 847	6 743 810	6 184 249	6 477 002	6 574 837	6 111 176	5 313 380	5 396 127
Average equity	526 787	458 563	429 383	418 186	392 788	354 612	324 009	318 150	319 800	342 321	371 808	373 723
Average % assets	7 163 820	7 014 704	6 712 680	6 533 116	6 867 532	6 484 632	5 949 018	6 186 224	6 337 866	5 846 235	5 033 079	5 044 570
Average % liabilities	6 914 085	6 834 326	6 564 239	6 330 329	6 592 253	6 282 343	5 770 177	6 072 305	6 178 854	5 682 500	4 865 972	4 960 066
NII	318 410	207 586	118 244	51 287	192 768	143 504	101 252	53 673	334 658	273 674	209 834	147 584
NCI	323 227	239 381	146 751	67 518	274 248	192 004	114 455	59 199	282 363	204 721	127 618	61 293
NCI / NII	101,5%	115,3%	124,1%	131,6%	142,3%	133,8%	113,0%	110,3%	84,4%	74,8%	60,8%	41,5%

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	3,39%	5,10%	1,23%	0,00%	1,92%	2,66%	0,94%	0,78%	-0,17%	-1,83%	-0,74%	0,40%
RoE	48,81%	82,69%	20,53%	0,00%	34,77%	50,76%	18,04%	15,89%	-3,54%	-32,81%	-10,66%	5,85%
Leverage cap. adequacy	14,4 / 7,0%	16,2 / 6,2%	16,6 / 6,0%	16,4 / 6,1%	18,1 / 5,5%	19,0 / 5,3%	19,1 / 5,2%	20,4 / 4,9%	20,6 / 4,9%	17,9 / 5,6%	14,3 / 7,0%	14,4 / 6,9%
NIM	6,18%	5,09%	3,98%	0,00%	2,86%	2,60%	3,19%	3,47%	3,84%	4,36%	4,94%	11,70%
Return on assets	7,63%	6,73%	5,47%	0,00%	4,84%	4,87%	6,04%	6,51%	7,05%	7,63%	7,96%	14,52%
Cost of liabilities	1,85%	1,80%	1,78%	0,00%	2,27%	2,49%	3,09%	3,31%	3,48%	3,55%	3,45%	3,14%
Net spread	5,78%	4,93%	3,69%	0,00%	2,57%	2,38%	2,95%	3,20%	3,57%	4,08%	4,51%	11,38%
Cost / income	54,26%	47,06%	69,21%	0,00%	102,42%	50,33%	108,55%	50,84%	78,05%	45,46%	65,82%	51,52%
Cost of assets	6,60%	5,55%	6,23%	0,00%	6,85%	5,97%	5,75%	6,79%	7,14%	6,48%	7,70%	8,02%
Net assets	7 572 729	7 427 405	7 124 943	6 873 182	7 109 847	6 743 810	6 184 249	6 477 002	6 574 837	6 111 176	5 313 380	5 396 127
Average equity	526 787	458 563	429 383	418 186	392 788	354 612	324 009	318 150	319 800	342 321	371 808	373 723
Average % assets	7 163 820	7 014 704	6 712 680	6 533 116	6 867 532	6 484 632	5 949 018	6 186 224	6 337 866	5 846 235	5 033 079	5 044 570
Average % liabilities	6 914 085	6 834 326	6 564 239	6 330 329	6 592 253	6 282 343	5 770 177	6 072 305	6 178 854	5 682 500	4 865 972	4 960 066
NII	110 824	89 342	66 957	51 287	49 264	42 252	47 579	53 673	60 984	63 840	62 250	147 584
NCI	83 846	92 630	79 233	67 518	82 244	77 549	55 256	59 199	77 642	77 103	66 325	61 293
NCI / NII	75,7%	103,7%	118,3%	131,6%	166,9%	183,5%	116,1%	110,3%	127,3%	120,8%	106,5%	41,5%

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.