Investor Presentaiton
KEY RATIOS
2Q21
2Q20
1Q21
1H21
1H20
Profitability
ROAA, annualised
ROAE, annualised
RB ROAE
3.6%
2.4%
2.5%
3.1%
0.2%
29.4%
21.8%
21.5%
25.6%
1.4%
22.1%
16.4%
20.7%
21.4%
-4.7%
CIB ROAE
Net interest margin, annualised
RB NIM
42.1%
31.5%
24.1%
33.4%
9.9%
4.7%
4.2%
4.5%
4.6%
4.6%
4.5%
4.0%
4.6%
4.6%
4.4%
CIB NIM
4.1%
3.4%
3.6%
3.9%
3.7%
Loan yield, annualised
10.4%
10.2%
10.4%
10.4%
10.6%
RB Loan yield
CIB Loan yield
Liquid assets yield, annualised
Cost of funds, annualised
Cost of client deposits and notes, annualised
11.1%
11.1%
11.1%
11.1%
11.5%
8.5%
8.3%
8.6%
8.5%
8.7%
3.3%
3.4%
3.1%
3.2%
3.7%
4.5%
4.8%
4.5%
4.5%
4.8%
3.5%
3.5%
3.8%
3.6%
3.3%
RB Cost of client deposits and notes
2.6%
2.9%
2.7%
2.7%
2.8%
CIB Cost of client deposits and notes
4.4%
4.2%
4.9%
4.6%
4.0%
Cost of amounts due to credit institutions, annualised
6.9%
7.3%
6.2%
6.6%
7.5%
Cost of debt securities issued
7.0%
7.7%
6.9%
7.0%
7.7%
Operating leverage, y-o-y
23.9%
-13.6%
9.3%
15.7%
-11.2%
Operating leverage, q-o-q
-3.1%
-11.9%
10.9%
0.0%
0.0%
Efficiency
Cost income
RB Cost/income
CIB Cost/income
36.4%
43.9%
35.4%
35.9%
41.1%
45.6%
56.3%
41.3%
43.5%
50.9%
17.8%
22.9%
20.8%
19.1%
21.2%
* For the description of Key Ratios, refer to page 89
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