Investor Presentaiton
KEY RATIOS
4Q21
4Q20
3Q21
2021
2020
Profitability
ROAA, annualised
ROAE, annualised
RB ROAE
CIB ROAE
Net interest margin, annualised
RB NIM
CIB NIM
Loan yield, annualised
RB Loan yield
CIB Loan yield
3.5%
2.4%
3.3%
3.2%
1.5%
26.4%
21.3%
25.7%
25.8%
13.0%
19.7%
22.1%
23.4%
21.4%
11.0%
39.2%
20.5%
31.4%
34.6%
16.7%
5.3%
4.4%
5.0%
4.9%
4.6%
4.4%
4.0%
4.2%
4.2%
4.1%
5.8%
3.9%
5.5%
5.1%
4.2%
11.0%
10.4%
10.6%
10.6%
10.5%
11.7%
11.1%
11.4%
11.3%
11.4%
9.2%
8.5%
8.7%
8.7%
8.6%
Liquid assets yield, annualised
4.0%
3.0%
3.6%
3.5%
3.4%
Cost of funds, annualised
4.8%
4.6%
4.7%
4.6%
4.7%
Cost of client deposits and notes, annualised
3.5%
3.8%
3.6%
3.6%
3.6%
RB Cost of client deposits and notes
2.5%
2.9%
2.5%
2.6%
2.9%
CIB Cost of client deposits and notes
5.6%
5.4%
5.6%
5.5%
4.9%
Cost of amounts due to credit institutions, annualised
8.3%
6.6%
8.0%
7.3%
7.1%
Cost of debt securities issued
6.8%
7.0%
6.8%
6.9%
7.4%
Operating leverage, y-o-y
-0.4%
-0.8%
1.1%
7.8%
-4.8%
Operating leverage, q-o-q
-8.8%
-7.3%
-1.2%
0.0%
0.0%
Efficiency
Cost income
RB Cost/income
CIB Cost/income
39.8%
39.6%
36.8%
37.2%
39.7%
50.2%
47.3%
45.9%
46.1%
47.1%
17.3%
20.4%
16.6%
17.1%
20.5%
* For the description of Key Ratios, refer to page 88
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