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Central Bank of Russia registration number: 918  Retailbank, ZB-Vertreter, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

General information Emissions3

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	11,13%	3,02%	1,51%	0,00%	2,09%	2,08%	1,99%	2,42%	1,88%	2,17%	2,20%	3,26%
RoE	15,12%	6,17%	4,76%	0,00%	11,31%	13,44%	13,79%	17,26%	13,26%	15,35%	15,89%	24,53%
Leverage cap. adequacy	1,4 / 73,6%	2,0 / 49,0%	3,1 / 31,8%	4,0 / 24,8%	5,4 / 18,5%	6,5 / 15,5%	6,9 / 14,4%	7,1 / 14,1%	7,0 / 14,2%	7,1 / 14,2%	7,2 / 13,9%	7,5 / 13,3%
NIM	19,03%	11,37%	6,92%	0,00%	6,38%	4,98%	4,60%	4,55%	5,01%	5,28%	5,59%	6,42%
Return on assets	21,42%	13,52%	10,51%	0,00%	11,37%	9,31%	8,87%	8,99%	9,29%	9,60%	9,73%	9,80%
Cost of liabilities	21,75%	8,89%	5,28%	0,00%	6,01%	4,94%	4,84%	5,04%	5,26%	5,44%	5,45%	5,40%
Net spread	-0,33%	4,63%	5,23%	0,00%	5,36%	4,37%	4,03%	3,95%	4,03%	4,16%	4,28%	4,40%
Cost / income	31,09%	41,41%	44,97%	0,00%	55,20%	50,35%	48,20%	46,99%	57,21%	53,02%	52,40%	43,32%
Cost of assets	9,94%	5,79%	3,86%	0,00%	4,90%	3,54%	3,22%	3,01%	3,98%	3,90%	3,98%	3,70%
Net assets	26 222 444	39 680 209	61 177 594	78 049 374	104 369 901	134 505 781	144 005 430	143 042 903	137 509 359	133 036 056	131 673 573	129 447 144
Average equity	19 308 222	19 445 655	19 451 871	19 377 074	19 297 512	20 843 675	20 790 628	20 099 590	19 516 208	18 868 295	18 240 215	17 212 422
Average % assets	21 030 386	39 880 843	61 410 006	75 304 657	97 864 200	126 607 808	136 317 343	135 867 364	130 883 908	126 346 082	124 056 759	121 853 727
Average % liabilities	6 185 799	19 364 687	40 714 678	57 196 754	83 549 322	111 807 157	121 289 757	121 053 804	116 285 019	112 502 148	111 876 701	110 894 706
NII	4 003 609	3 402 029	2 125 491	1 099 694	6 248 046	4 730 106	3 136 284	1 545 899	6 560 428	5 011 743	3 472 073	1 956 789
NCI	198 685	204 318	190 927	148 188	1 729 248	1 459 730	1 012 356	555 363	2 339 826	1 749 694	1 114 290	537 285
NCI / NII	5,0%	6,0%	9,0%	13,5%	27,7%	30,9%	32,3%	35,9%	35,7%	34,9%	32,1%	27,5%

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	30,79%	4,41%	3,33%	0,00%	0,31%	1,98%	1,57%	2,42%	1,21%	2,17%	1,19%	3,26%
RoE	41,81%	9,00%	10,47%	0,00%	1,70%	12,82%	10,89%	17,26%	8,55%	15,31%	8,64%	24,53%
Leverage cap. adequacy	1,4 / 73,6%	2,0 / 49,0%	3,1 / 31,8%	4,0 / 24,8%	5,4 / 18,5%	6,5 / 15,5%	6,9 / 14,4%	7,1 / 14,1%	7,0 / 14,2%	7,1 / 14,2%	7,2 / 13,9%	7,5 / 13,3%
NIM	11,44%	12,80%	6,68%	0,00%	6,20%	5,03%	4,66%	4,55%	4,73%	4,87%	4,88%	6,42%
Return on assets	8,76%	8,20%	9,82%	0,00%	9,34%	8,85%	8,77%	8,99%	9,34%	9,71%	9,83%	9,80%
Cost of liabilities	3,44%	4,45%	4,57%	0,00%	4,18%	4,33%	4,64%	5,04%	5,25%	5,47%	5,56%	5,40%
Net spread	5,32%	3,75%	5,25%	0,00%	5,16%	4,52%	4,13%	3,95%	4,09%	4,24%	4,27%	4,40%
Cost / income	15,50%	34,89%	32,35%	0,00%	72,43%	55,00%	49,31%	46,99%	70,78%	54,31%	63,51%	43,32%
Cost of assets	7,89%	5,17%	2,61%	0,00%	5,66%	3,66%	3,43%	3,01%	4,64%	3,87%	4,34%	3,70%
Net assets	26 222 444	39 680 209	61 177 594	78 049 374	104 369 901	134 505 781	144 005 430	143 042 903	137 509 359	133 036 056	131 673 573	129 447 144
Average equity	19 308 222	19 445 655	19 451 871	19 377 074	19 297 512	20 843 675	20 790 628	20 099 590	19 516 208	18 868 295	18 240 215	17 212 422
Average % assets	21 030 386	39 880 843	61 410 006	75 304 657	97 864 200	126 607 808	136 317 343	135 867 364	130 883 908	126 346 082	124 056 759	121 853 727
Average % liabilities	6 185 799	19 364 687	40 714 678	57 196 754	83 549 322	111 807 157	121 289 757	121 053 804	116 285 019	112 502 148	111 876 701	110 894 706
NII	601 580	1 276 538	1 025 797	1 099 694	1 517 940	1 593 822	1 590 385	1 545 899	1 548 685	1 539 670	1 515 284	1 956 789
NCI	0	13 391	42 739	148 188	269 518	447 374	456 993	555 363	590 132	635 404	577 005	537 285
NCI / NII	0,0%	1,0%	4,2%	13,5%	17,8%	28,1%	28,7%	35,9%	38,1%	41,3%	38,1%	27,5%

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 - 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.