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	OBEDINENNIY BANK RAZVITIYAI want to buy a report	add to comparison
Central Bank of Russia registration number: 3345

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) 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.	01.05.2012	>> Turnover >>	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 01.10.2009 01.09.2009 01.08.2009 01.07.2009 01.06.2009 01.05.2009 01.04.2009 01.03.2009 01.02.2009 01.01.2009 01.12.2008 01.11.2008 01.10.2008 01.09.2008 01.08.2008 01.07.2008 01.06.2008 01.05.2008 01.04.2008 01.03.2008 01.02.2008 01.01.2008	Turnover / amount	Turnover / assets	Period change
ASSETS	1 520 801	3 149 980	1 085 265	2,1	2,9	-435 536	-28,6%
High liquid assets	391 454	641 949	2 554	1,6	0,6	-388 900	-99,3%
Cash and equivalents	391 155	641 549	2 304	1,6	0,6	-388 851	-99,4%
Cash	385 384	436 384	403	1,1	0,4	-384 981	-99,9%
in cash and en route	385 384	436 384	403	1,1	0,4	-384 981	-99,9%
Nostro account with Central Bank	5 771	205 165	1 901	35,6	0,2	-3 870	-67,1%
Nostro accounts	333	397	287	1,2	0,0	-46	-13,8%
Residents	333	397	287	1,2	0,0	-46	-13,8%
Provision for impairment of high-liquid assets	-34	3	-37	0,1	0,0	-3	8,8%
Interest-earning assets	1 112 459	1 153 716	1 056 605	1,0	1,1	-55 854	-5,0%
Dues from banks	150 000	204 380	150 000	1,4	0,2	-	0,0%
Residents	-	204 000	-	-	-	-	-
up to 30 days	-	204 000	-	-	-	-	-
Non-residents	150 000	-	150 000	0,0	0,0	-	0,0%
up to 180 days	150 000	-	150 000	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-	380	-	-	-	-	-
Loans to corporate clients	940 303	850 385	887 282	0,9	0,8	-53 021	-5,6%
residents	1 149 790	606 010	1 005 680	0,5	0,6	-144 110	-12,5%
up to 30 days	64 814	368 329	369 669	5,7	0,3	304 855	470,4%
up to 180 days	125 068	95 171	52 000	0,8	0,1	-73 068	-58,4%
up to 1 year	697 028	353 996	414 500	0,5	0,3	-282 528	-40,5%
up to 3 years	246 754	77 243	169 511	0,3	0,1	-77 243	-31,3%
more than 3 years	16 126	16 126	-	1,0	0,0	-16 126	-100,0%
Past-due	196 283	188 803	58 756	1,0	0,2	-137 527	-70,1%
residents	196 283	188 803	58 756	1,0	0,2	-137 527	-70,1%
Provision for impairment of corporate loans	-405 770	324 442	-177 154	0,8	0,3	228 616	-56,3%
residents	-405 770	324 442	-177 154	0,8	0,3	228 616	-56,3%
Loans to individuals	22 156	98 951	19 323	4,5	0,1	-2 833	-12,8%
Standard	60 560	32 045	28 845	0,5	0,0	-31 715	-52,4%
up to 180 days	786	1 116	-	1,4	0,0	-786	-100,0%
up to 1 year	3 314	3 194	120	1,0	0,0	-3 194	-96,4%
up to 3 years	50 483	27 537	22 946	0,5	0,0	-27 537	-54,5%
more than 3 years	5 977	198	5 779	0,0	0,0	-198	-3,3%
Past-due	72 342	64 823	7 559	0,9	0,1	-64 783	-89,6%
Past-due	72 342	64 823	7 559	0,9	0,1	-64 783	-89,6%
Provision for impairment of loans to individuals	-110 746	55 494	-17 081	0,5	0,1	93 665	-84,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	16 888	1 363 533	26 106	80,7	1,3	9 218	54,6%
Mandatory reserves with Central Bank	29 699	1 283	30 914	0,0	0,0	1 215	4,1%
Premises and equipment	2 643	950 940	875	359,8	0,9	-1 768	-66,9%
Purchase cost	13 699	950 852	2 701	69,4	0,9	-10 998	-80,3%
Depreciation	-11 056	9 318	-1 826	0,8	0,0	9 230	-83,5%
Accrued interest not yet received	31 790	24 154	20 040	0,8	0,0	-11 750	-37,0%
Other assets	27 005	159 304	24 635	5,9	0,1	-2 370	-8,8%
Provision for impairment of other assets	-74 249	243 740	-50 358	3,3	0,2	23 891	-32,2%
LIABILITIES	1 066 886	2 533 908	448 181	2,4	2,3	-618 705	-58,0%
Dues to banks	21 200	193 200	-	9,1	0,2	-21 200	-100,0%
On demand	-	140 000	-	-	-	-	-
Residents	-	140 000	-	-	-	-	-
Term	21 200	53 200	-	2,5	0,0	-21 200	-100,0%
Residents	21 200	53 200	-	2,5	0,0	-21 200	-100,0%
up to 30 days	6 000	38 000	-	6,3	0,0	-6 000	-100,0%
up to 180 days	15 200	15 200	-	1,0	0,0	-15 200	-100,0%
On demand	849 123	2 272 580	284 347	2,7	2,1	-564 776	-66,5%
Corporate clients	849 123	2 272 580	284 347	2,7	2,1	-564 776	-66,5%
Residents	844 290	2 265 312	278 474	2,7	2,1	-565 816	-67,0%
Non-residents	4 833	8 308	5 873	1,7	0,0	1 040	21,5%
Term	96 189	10 000	86 189	0,1	0,0	-10 000	-10,4%
Corporate clients	96 100	10 000	86 100	0,1	0,0	-10 000	-10,4%
Residents	96 100	10 000	86 100	0,1	0,0	-10 000	-10,4%
up to 1 year	49 000	-	49 000	0,0	0,0	-	0,0%
up to 3 years	47 100	10 000	37 100	0,2	0,0	-10 000	-21,2%
Individuals	89	-	89	0,0	0,0	-	0,0%
residents	87	-	87	0,0	0,0	-	0,0%
up to 180 days	8	-	8	0,0	0,0	-	0,0%
up to 1 year	26	-	26	0,0	0,0	-	0,0%
up to 3 years	49	-	49	0,0	0,0	-	0,0%
more than 3 years	4	-	4	0,0	0,0	-	0,0%
non-residents	2	-	2	0,0	0,0	-	0,0%
up to 3 years	2	-	2	0,0	0,0	-	0,0%
Securities issued	85 334	45 178	41 111	0,5	0,0	-44 223	-51,8%
Promissory notes	85 334	45 178	41 111	0,5	0,0	-44 223	-51,8%
on demand	14 500	2 500	12 000	0,2	0,0	-2 500	-17,2%
up to 3 years	70 834	42 678	29 111	0,6	0,0	-41 723	-58,9%
Other liabilities	15 040	34 444	36 534	2,3	0,0	21 494	142,9%
Other liabilities	4 886	14 880	11 637	3,0	0,0	6 751	138,2%
Accrued interest not yet paid	10 154	4 821	6 315	0,5	0,0	-3 839	-37,8%
Liabilities past-due	-	18 582	18 582	-	-	18 582	-
EQUITY	453 915	854 310	637 084	1,9	0,8	183 169	40,4%
Capital	292 969	-	292 969	0,0	0,0	-	0,0%
Profit from previous years	-	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-	-
Current year profit	164 648	851 970	348 008	5,2	0,8	183 360	111,4%
Current year retained earnings	164 648	851 970	348 008	5,2	0,8	183 360	111,4%
Future expenses	-3 702	2 531	-3 893	0,7	0,0	-191	5,2%
OFF-BALANCE SHEET	875 825	903 761	782 238	1,0	0,8	-93 587	-10,7%
Contingent liabilities	-566 576	814 538	-495 004	1,4	0,8	71 572	-12,6%
Guarantees issued	-444 484	9 090	-435 394	0,0	0,0	9 090	-2,0%
Unused credit limits opened	-122 092	805 448	-59 610	6,6	0,7	62 482	-51,2%
Collateral on loans	1 363 964	86 835	1 277 129	0,1	0,1	-86 835	-6,4%
goods	1 319 987	52 358	1 267 629	0,0	0,0	-52 358	-4,0%
securities	43 977	34 477	9 500	0,8	0,0	-34 477	-78,4%
Other off-balance sheet accounts	78 437	80 694	113	1,0	0,1	-78 324	-99,9%
Accrued interest not yet received	92 200	80 694	13 885	0,9	0,1	-78 315	-84,9%
Written-off interest	-4 717	-	-4 717	0,0	0,0	-	0,0%
Written-off loans	-9 046	9	-9 055	0,0	0,0	-9	0,1%
Past due ratio, total	1 816	-	602	0,0	0,0	-1 214	-66,9%
Past due ratio, individuals	5 443	-	2 076	0,0	0,0	-3 367	-61,9%
Past due ratio, corporates	1 458	-	552	0,0	0,0	-906	-62,1%
Past due ratio, corporates + entrepreneurs	1 458	-	552	0,0	0,0	-906	-62,1%

You can also get acquainted with balance sheet aggregation methodics.