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Central Bank of Russia registration number: 2423

General information Emissions1

Balance Profit Profitability

IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.

Balance sheet position, thous. rub.	01.05.2014	>> Turnover >>	01.06.2014 01.05.2014 01.04.2014 01.03.2014 01.02.2014 01.01.2014 01.12.2013 01.11.2013 01.10.2013 01.09.2013 01.08.2013 01.07.2013 01.06.2013 01.05.2013 01.04.2013 01.03.2013 01.02.2013 01.01.2013 01.12.2012 01.11.2012 01.10.2012 01.09.2012 01.08.2012 01.07.2012 01.06.2012 01.05.2012 01.04.2012 01.03.2012 01.02.2012 01.01.2012 01.12.2011 01.11.2011 01.10.2011 01.09.2011 01.08.2011 01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009	Turnover / amount	Turnover / assets	Period change
ASSETS	2 528 762	869 467	2 619 612	0,3	0,3	90 850	3,6%
High liquid assets	98 065	635 002	143 724	6,5	0,2	45 659	46,6%
Cash and equivalents	88 065	598 184	135 398	6,8	0,2	47 333	53,7%
Cash	85 699	467 571	134 468	5,5	0,2	48 769	56,9%
in cash and en route	84 862	467 570	133 631	5,5	0,2	48 769	57,5%
in ATMs	837	1	837	0,0	0,0	-	0,0%
Nostro account with Central Bank	2 366	132 049	930	55,8	0,1	-1 436	-60,7%
Nostro accounts	6 164	38 102	4 558	6,2	0,0	-1 606	-26,1%
Residents	6 164	38 102	4 558	6,2	0,0	-1 606	-26,1%
Money in transfer	3 836	390	3 768	0,1	0,0	-68	-1,8%
Interest-earning assets	1 879 997	148 124	1 887 865	0,1	0,1	7 868	0,4%
Loans to corporate clients	1 113 042	104 541	1 023 176	0,1	0,0	-89 866	-8,1%
residents	1 256 205	96 078	1 172 627	0,1	0,0	-83 578	-6,7%
up to 30 days	36 806	3 922	32 884	0,1	0,0	-3 922	-10,7%
up to 1 year	417 751	64 708	365 543	0,2	0,0	-52 208	-12,5%
up to 3 years	789 357	27 448	761 909	0,0	0,0	-27 448	-3,5%
more than 3 years	12 291	-	12 291	0,0	0,0	-	0,0%
Past-due	18 404	71	18 387	0,0	0,0	-17	-0,1%
residents	18 404	71	18 387	0,0	0,0	-17	-0,1%
Provision for impairment of corporate loans	-161 567	8 392	-167 838	0,1	0,0	-6 271	3,9%
residents	-161 567	8 392	-167 838	0,1	0,0	-6 271	3,9%
Loans to private entrepreneurs	91 975	55 149	119 519	0,6	0,0	27 544	29,9%
up to 180 days	-	52 000	52 000	-	-	52 000	-
up to 1 year	9 414	177	9 237	0,0	0,0	-177	-1,9%
up to 3 years	67 064	23 904	43 160	0,4	0,0	-23 904	-35,6%
more than 3 years	11 500	2 500	9 000	0,2	0,0	-2 500	-21,7%
Past-due	7 939	2 609	10 494	0,3	0,0	2 555	32,2%
Provision for impairment of loans to private entrepreneurs	-3 942	540	-4 372	0,1	0,0	-430	10,9%
Loans to individuals	674 980	78 606	745 170	0,1	0,0	70 190	10,4%
Standard	660 874	77 999	731 036	0,1	0,0	70 162	10,6%
up to 30 days	536	424	336	0,8	0,0	-200	-37,3%
up to 180 days	2 980	-	2 980	0,0	0,0	-	0,0%
up to 1 year	272 055	3 852	269 203	0,0	0,0	-2 852	-1,0%
up to 3 years	373 639	76 775	446 964	0,2	0,0	73 325	19,6%
more than 3 years	11 664	111	11 553	0,0	0,0	-111	-1,0%
Past-due	28 577	677	28 455	0,0	0,0	-122	-0,4%
Past-due	28 577	677	28 455	0,0	0,0	-122	-0,4%
Provision for impairment of loans to individuals	-14 471	413	-14 321	0,0	0,0	150	-1,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	550 700	86 341	588 023	0,2	0,0	37 323	6,8%
Mandatory reserves with Central Bank	65 907	2 026	63 881	0,0	0,0	-2 026	-3,1%
Premises and equipment	204 881	1 805	203 137	0,0	0,0	-1 744	-0,9%
Purchase cost	260 103	92	260 072	0,0	0,0	-31	-0,0%
Depreciation	-55 222	1 713	-56 935	0,0	0,0	-1 713	3,1%
Accrued interest not yet received	101 399	14 483	106 717	0,1	0,0	5 318	5,2%
Factoring	1 072	1	1 071	0,0	0,0	-1	-0,1%
Non-current assets	141 936	-	141 936	0,0	0,0	-	0,0%
Other assets	53 907	70 727	89 611	1,3	0,0	35 704	66,2%
Provision for impairment of other assets	-18 402	1 070	-18 330	0,1	0,0	72	-0,4%
LIABILITIES	2 024 114	915 153	2 107 508	0,5	0,3	83 394	4,1%
On demand	163 048	676 032	236 000	4,1	0,3	72 952	44,7%
Corporate clients	112 936	454 925	173 487	4,0	0,2	60 551	53,6%
State-owned enterprises	6 124	658	5 951	0,1	0,0	-173	-2,8%
Residents	106 812	454 440	167 536	4,3	0,2	60 724	56,9%
Non-residents	-	-	-	-	-	-	-
Individuals	50 112	221 107	62 513	4,4	0,1	12 401	24,7%
Residents	50 049	221 026	62 445	4,4	0,1	12 396	24,8%
Non-residents	63	81	68	1,3	0,0	5	7,9%
Term	1 804 696	193 219	1 811 201	0,1	0,1	6 505	0,4%
Individuals	1 804 696	193 219	1 811 201	0,1	0,1	6 505	0,4%
residents	1 801 720	193 169	1 808 333	0,1	0,1	6 613	0,4%
up to 30 days	-	4	-	-	-	-	-
up to 180 days	107 531	47 095	135 691	0,4	0,0	28 160	26,2%
up to 1 year	304 612	77 894	264 462	0,3	0,0	-40 150	-13,2%
up to 3 years	1 372 884	106 256	1 390 072	0,1	0,0	17 188	1,3%
more than 3 years	16 693	2 070	18 108	0,1	0,0	1 415	8,5%
non-residents	2 976	158	2 868	0,1	0,0	-108	-3,6%
up to 1 year	104	-	104	0,0	0,0	-	0,0%
up to 3 years	2 872	158	2 764	0,1	0,0	-108	-3,8%
Other liabilities	56 370	45 902	60 307	0,8	0,0	3 937	7,0%
Other liabilities	20 456	26 489	22 856	1,3	0,0	2 400	11,7%
Accrued interest not yet paid	35 914	19 413	37 451	0,5	0,0	1 537	4,3%
EQUITY	504 648	53 627	512 104	0,1	0,0	7 456	1,5%
Capital	528 776	-	528 776	0,0	0,0	-	0,0%
Profit from previous years	30 506	-	30 506	0,0	0,0	-	0,0%
Retained earnings from previous years	30 506	-	30 506	0,0	0,0	-	0,0%
Current year profit	-54 289	53 627	-46 833	1,0	0,0	7 456	-13,7%
Current year retained earnings	-54 289	53 627	-46 833	1,0	0,0	7 456	-13,7%
Future expenses	-345	-	-345	0,0	0,0	-	0,0%
OFF-BALANCE SHEET	3 243 755	139 351	3 160 224	0,0	0,1	-83 531	-2,6%
Contingent liabilities	-100 211	13 793	-94 764	0,1	0,0	5 447	-5,4%
Unused credit limits opened	-100 211	13 793	-94 764	0,1	0,0	5 447	-5,4%
Collateral on loans	1 451 715	105 127	1 346 588	0,1	0,0	-105 127	-7,2%
goods	1 451 715	105 127	1 346 588	0,1	0,0	-105 127	-7,2%
Unprocessed payments	1 884 931	12 770	1 896 537	0,0	0,0	11 606	0,6%
Due to lack of funds on client accounts	1 884 931	12 770	1 896 537	0,0	0,0	11 606	0,6%
Other off-balance sheet accounts	7 320	7 661	11 863	1,0	0,0	4 543	62,1%
Accrued interest not yet received	7 320	7 661	11 863	1,0	0,0	4 543	62,1%
Credit card balances	536	424	336	0,8	0,0	-200	-37,3%
Past due ratio, total	267	-	276	0,0	0,0	9	3,4%
Past due ratio, individuals	414	-	375	0,0	0,0	-39	-9,4%
Past due ratio, corporates	144	-	154	0,0	0,0	10	6,9%
Past due ratio, entrepreneurs	828	-	847	0,0	0,0	19	2,3%
Past due ratio, corporates + entrepreneurs	192	-	220	0,0	0,0	28	14,6%

You can also get acquainted with balance sheet aggregation methodics.