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Central Bank of Russia registration number: 65  ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions1

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	2,57%	3,01%	3,06%	0,00%	2,43%	2,78%	3,95%	7,07%	2,39%	2,77%	2,81%	4,06%
RoE	13,95%	19,33%	21,76%	0,00%	20,34%	21,36%	28,46%	51,74%	17,96%	20,77%	21,63%	34,56%
Leverage cap. adequacy	5,4 / 18,4%	6,4 / 15,6%	7,1 / 14,1%	7,7 / 13,0%	8,4 / 11,9%	7,7 / 13,0%	7,2 / 13,9%	7,3 / 13,7%	7,5 / 13,3%	7,5 / 13,4%	7,7 / 13,0%	8,5 / 11,8%
NIM	7,18%	4,93%	4,69%	0,00%	4,29%	4,02%	4,30%	4,43%	4,41%	4,48%	4,48%	4,36%
Return on assets	10,76%	7,70%	7,50%	0,00%	7,14%	7,21%	7,61%	7,75%	8,37%	8,54%	8,40%	7,99%
Cost of liabilities	3,69%	3,13%	2,98%	0,00%	3,44%	3,67%	3,98%	4,26%	4,41%	4,65%	4,59%	4,34%
Net spread	7,07%	4,57%	4,52%	0,00%	3,70%	3,54%	3,63%	3,49%	3,96%	3,89%	3,81%	3,65%
Cost / income	73,80%	65,91%	70,51%	0,00%	68,54%	66,41%	63,95%	58,01%	65,45%	59,33%	56,97%	55,61%
Cost of assets	7,66%	4,89%	5,10%	0,00%	4,49%	4,19%	4,29%	4,23%	4,97%	4,66%	4,37%	4,09%
Net assets	28 887 690	33 968 706	34 848 041	36 995 500	39 463 019	38 226 434	36 302 156	36 376 219	35 566 266	33 601 956	33 240 189	33 808 415
Average equity	5 321 329	5 298 374	4 905 591	4 819 253	4 713 610	4 979 481	5 045 658	4 976 619	4 732 305	4 493 217	4 327 284	3 973 148
Average % assets	21 036 650	29 932 179	29 997 016	31 834 898	34 354 814	34 365 907	33 153 981	33 440 190	31 665 432	31 048 988	31 583 886	33 205 984
Average % liabilities	22 857 171	28 138 426	29 207 047	31 619 095	34 212 082	32 760 002	30 817 531	30 903 133	30 406 552	28 698 695	28 558 185	29 460 650
NII	1 512 475	1 107 661	704 143	340 671	1 475 602	1 037 863	714 430	370 699	1 397 965	1 044 750	707 686	362 107
NCI	570 338	409 979	276 034	138 350	537 213	402 664	264 393	134 647	581 880	436 389	287 745	136 400
NCI / NII	37,7%	37,0%	39,2%	40,6%	36,4%	38,8%	37,0%	36,3%	41,6%	41,8%	40,7%	37,7%

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	-0,35%	2,76%	5,18%	0,00%	1,63%	0,83%	0,81%	7,07%	1,68%	2,76%	1,50%	4,06%
RoE	-1,94%	17,71%	36,81%	0,00%	13,65%	6,41%	5,89%	51,74%	12,68%	20,66%	11,53%	34,56%
Leverage cap. adequacy	5,4 / 18,4%	6,4 / 15,6%	7,1 / 14,1%	7,7 / 13,0%	8,4 / 11,9%	7,7 / 13,0%	7,2 / 13,9%	7,3 / 13,7%	7,5 / 13,3%	7,5 / 13,4%	7,7 / 13,0%	8,5 / 11,8%
NIM	7,69%	5,39%	4,84%	0,00%	5,09%	3,76%	4,14%	4,43%	4,46%	4,34%	4,37%	4,36%
Return on assets	10,17%	8,06%	7,56%	0,00%	6,90%	6,96%	7,40%	7,75%	8,33%	8,55%	8,40%	7,99%
Cost of liabilities	3,20%	3,21%	2,89%	0,00%	3,21%	3,52%	3,68%	4,26%	4,47%	4,82%	4,69%	4,34%
Net spread	6,97%	4,85%	4,67%	0,00%	3,69%	3,44%	3,72%	3,49%	3,86%	3,73%	3,71%	3,65%
Cost / income	96,86%	57,65%	71,24%	0,00%	74,01%	71,66%	70,85%	58,01%	84,24%	63,99%	58,29%	55,61%
Cost of assets	10,25%	4,59%	5,30%	0,00%	5,43%	4,32%	4,39%	4,23%	6,28%	5,07%	4,56%	4,09%
Net assets	28 887 690	33 968 706	34 848 041	36 995 500	39 463 019	38 226 434	36 302 156	36 376 219	35 566 266	33 601 956	33 240 189	33 808 415
Average equity	5 321 329	5 298 374	4 905 591	4 819 253	4 713 610	4 979 481	5 045 658	4 976 619	4 732 305	4 493 217	4 327 284	3 973 148
Average % assets	21 036 650	29 932 179	29 997 016	31 834 898	34 354 814	34 365 907	33 153 981	33 440 190	31 665 432	31 048 988	31 583 886	33 205 984
Average % liabilities	22 857 171	28 138 426	29 207 047	31 619 095	34 212 082	32 760 002	30 817 531	30 903 133	30 406 552	28 698 695	28 558 185	29 460 650
NII	404 814	403 518	363 472	340 671	437 739	323 433	343 731	370 699	353 215	337 064	345 579	362 107
NCI	160 359	133 945	137 684	138 350	134 549	138 271	129 746	134 647	145 491	148 644	151 345	136 400
NCI / NII	39,6%	33,2%	37,9%	40,6%	30,7%	42,8%	37,7%	36,3%	41,2%	44,1%	43,8%	37,7%

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 - 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.