Page 94 - RusRPTOct22

Current year net profit
372,998
577,636
778,661
994,646
1,198,7 24
1,427,9 96
1,672,5 06
1,868,8 39
2,099,9 87
2,251,4 26
2,362,8 50
163,644
Return on assets, %
1.7
1.7
1.8
2
2.1
2.2
2.2
2.2
2.2
2.2
2.1
2.1
Return on balance capital, %
15.8
15.8
17.3
19.2
20.4
21.2
21.7
21.5
21.9
21.7
21.1
20.5
Liabilities RUB mn
Individuals funds*
32,122, 772
32,138, 260
32,942, 480
32,388, 392
32,378, 166
32,598, 119
32,674, 842
32,870, 590
32,851, 479
33,216, 330
34,694, 763
34,204, 659
33,267, 000
Corporate funds
35,001, 772
35,011, 309
34,650, 755
35,359, 878
34,901, 978
34,777, 467
35,667, 807
36,263, 326
35,970, 700
38,215, 034
39,884, 932
41,083, 558
40,633, 000
Loans received from the Bank of Russia
2,839,2 22
3,077,1 52
2,826,8 74
2,648,6 12
2,538,6 31
2,842,2 01
2,572,0 72
2,374,9 14
3,005,3 85
3,187,6 96
3,086,4 07
3,288,0 15
source: CBR
8.1 Bank sector overview
In August, lending accelerated significantly, with retail lending up 1.7%1 (in July: +1.0%), driven by both mortgages and unsecured consumer loans, and corporate lending up 2.4% (in July : +1.2%) with continued devaluation.
On the funding side, there was a significant inflow of funds from legal entities - by 4.5%. However, household funds practically did not increase (+0.1%), while the growth in ruble deposits (+0.7%) was supported by a partial conversion of currency balances. State funds continued to decline (-0.5 trillion rubles, -6.7%).
Russian banks will begin abbreviated disclosure of financials starting from 2023, Alexander Danilov, the CBR’s Director of the Department of Banking Regulation and Analytics, said at the Treasury-2022 Forum. According to Danilov, banks will be allowed to publish balance sheet, financial result as well as cash flow statements, while more sensitive data such as risks, currency, shareholders and group structure will remain closed. Also, the publications will be made in two stages: voluntary disclosure followed by obligatory disclosure for all banks.
94 RUSSIA Country Report October 2022 www.intellinews.com