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Central Bank of Russia registration number: 3405

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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.	01.03.2011	>> Turnover >>	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	2 185 791	138 529 794	2 197 437	63,4	63,0	11 646	0,5%
High liquid assets	440 461	27 185 675	554 858	61,7	12,4	114 397	26,0%
Cash and equivalents	118 068	12 165 632	220 428	103,0	5,5	102 360	86,7%
Cash	97 905	2 020 616	115 386	20,6	0,9	17 481	17,9%
in cash and en route	97 905	2 020 616	115 386	20,6	0,9	17 481	17,9%
in ATMs	-	-	-	-	-	-	-
Nostro account with Central Bank	20 163	10 145 016	105 042	503,2	4,6	84 879	421,0%
Nostro accounts	300 433	8 970 934	311 512	29,9	4,1	11 079	3,7%
Non-residents	292 901	8 627 428	297 532	29,5	3,9	4 631	1,6%
Residents	7 532	343 506	13 980	45,6	0,2	6 448	85,6%
Money in transfer	1 367	4 587	1 315	3,4	0,0	-52	-3,8%
Exchange accounts	20 894	6 044 574	21 904	289,3	2,8	1 010	4,8%
Provision for impairment of high-liquid assets	-301	-	-301	0,0	0,0	-	0,0%
Interest-earning assets	1 674 056	1 919 590	1 578 855	1,1	0,9	-95 201	-5,7%
Dues from banks	47 636	1 377 037	35 625	28,9	0,6	-12 011	-25,2%
Residents	47 636	1 377 037	35 625	28,9	0,6	-12 011	-25,2%
up to 30 days	47 636	1 377 037	35 625	28,9	0,6	-12 011	-25,2%
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	163 887	105 121	160 078	0,6	0,0	-3 809	-2,3%
Promissory notes	163 887	105 121	160 078	0,6	0,0	-3 809	-2,3%
Corporate	105 081	105 096	99 469	1,0	0,0	-5 612	-5,3%
Banks	75 227	383	75 610	0,0	0,0	383	0,5%
Provision for impairment of promissory notes	-16 421	1 445	-15 001	0,1	0,0	1 420	-8,6%
Loans to corporate clients	1 378 487	435 030	1 300 548	0,3	0,2	-77 939	-5,7%
residents	1 431 822	407 299	1 332 196	0,3	0,2	-99 626	-7,0%
up to 30 days	215 457	260 672	215 398	1,2	0,1	-59	-0,0%
up to 180 days	5 493	5 493	2 500	1,0	0,0	-2 993	-54,5%
up to 1 year	1 119 544	130 000	1 034 104	0,1	0,1	-85 440	-7,6%
up to 3 years	91 328	11 134	80 194	0,1	0,0	-11 134	-12,2%
Past-due	13 387	-	13 387	0,0	0,0	-	0,0%
residents	13 387	-	13 387	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-66 722	49 418	-45 035	0,7	0,0	21 687	-32,5%
residents	-66 722	49 418	-45 035	0,7	0,0	21 687	-32,5%
Loans to individuals	120 841	2 402	119 391	0,0	0,0	-1 450	-1,2%
Standard	140 768	2 107	138 687	0,0	0,0	-2 081	-1,5%
up to 3 years	53 258	53	53 205	0,0	0,0	-53	-0,1%
more than 3 years	87 510	2 054	85 482	0,0	0,0	-2 028	-2,3%
Past-due	23 418	17	23 401	0,0	0,0	-17	-0,1%
Past-due	23 418	17	23 401	0,0	0,0	-17	-0,1%
Provision for impairment of loans to individuals	-43 345	926	-42 697	0,0	0,0	648	-1,5%
Provision for impairment of loans past-due	-36 795	8	-36 787	0,0	0,0	8	-0,0%
Other assets	71 274	109 527 280	63 724	1 536,7	49,8	-7 550	-10,6%
Mandatory reserves with Central Bank	22 828	2 141	21 805	0,1	0,0	-1 023	-4,5%
Premises and equipment	7 804	6 253	7 677	0,8	0,0	-127	-1,6%
Purchase cost	16 424	6 126	16 424	0,4	0,0	-	0,0%
Depreciation	-8 620	127	-8 747	0,0	0,0	-127	1,5%
Accrued interest not yet received	2 154	23 528	160	10,9	0,0	-1 994	-92,6%
Other assets	125 759	109 440 280	120 317	870,2	49,8	-5 442	-4,3%
Provision for impairment of other assets	-87 271	56 114	-86 235	0,6	0,0	1 036	-1,2%
LIABILITIES	1 350 387	139 347 275	1 351 690	103,2	63,4	1 303	0,1%
Dues to banks	194 773	14 958 705	79 093	76,8	6,8	-115 680	-59,4%
On demand	164 773	13 578 705	79 093	82,4	6,2	-85 680	-52,0%
Residents	164 395	13 578 395	78 716	82,6	6,2	-85 679	-52,1%
Non-residents	378	310	377	0,8	0,0	-1	-0,3%
Term	30 000	1 380 000	-	46,0	0,6	-30 000	-100,0%
Residents	30 000	1 380 000	-	46,0	0,6	-30 000	-100,0%
up to 30 days	30 000	1 380 000	-	46,0	0,6	-30 000	-100,0%
On demand	685 235	12 416 155	714 003	18,1	5,7	28 768	4,2%
Corporate clients	684 268	12 416 125	713 062	18,1	5,7	28 794	4,2%
State-owned enterprises	26	-	26	0,0	0,0	-	0,0%
Residents	681 082	12 406 804	710 788	18,2	5,6	29 706	4,4%
Non-residents	3 160	10 233	2 248	3,2	0,0	-912	-28,9%
Individuals	967	56	941	0,1	0,0	-26	-2,7%
Residents	943	55	918	0,1	0,0	-25	-2,7%
Non-residents	24	1	23	0,0	0,0	-1	-4,2%
Term	104 222	100 360	4 071	1,0	0,0	-100 151	-96,1%
Corporate clients	100 021	100 015	21	1,0	0,0	-100 000	-100,0%
Residents	100 018	100 015	18	1,0	0,0	-100 000	-100,0%
up to 180 days	100 000	100 000	-	1,0	0,0	-100 000	-100,0%
up to 1 year	15	15	-	1,0	0,0	-15	-100,0%
up to 3 years	3	15	18	5,0	0,0	15	500,0%
Non-residents	3	-	3	0,0	0,0	-	0,0%
up to 1 year	3	-	3	0,0	0,0	-	0,0%
Individuals	4 201	345	4 050	0,1	0,0	-151	-3,6%
residents	4 201	345	4 050	0,1	0,0	-151	-3,6%
up to 30 days	54	11	57	0,2	0,0	3	5,6%
up to 180 days	12	9	12	0,8	0,0	-	0,0%
up to 1 year	96	39	75	0,4	0,0	-21	-21,9%
up to 3 years	257	56	213	0,2	0,0	-44	-17,1%
more than 3 years	3 782	233	3 693	0,1	0,0	-89	-2,4%
non-residents	-	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-	-
Securities issued	362 000	3 673 241	548 000	10,1	1,7	186 000	51,4%
Promissory notes	362 000	3 673 241	548 000	10,1	1,7	186 000	51,4%
up to 30 days	362 000	3 548 241	548 000	9,8	1,6	186 000	51,4%
up to 180 days	-	85 000	-	-	-	-	-
more than 180 days	-	40 000	-	-	-	-	-
Other liabilities	4 157	108 414 645	6 523	26 080,0	49,3	2 366	56,9%
Other liabilities	3 069	108 412 417	6 403	35 325,0	49,3	3 334	108,6%
Accrued interest not yet paid	1 088	3 196	120	2,9	0,0	-968	-89,0%
EQUITY	835 404	320 920	845 747	0,4	0,1	10 343	1,2%
Capital	575 000	-	575 000	0,0	0,0	-	0,0%
Profit from previous years	257 054	-	257 054	0,0	0,0	-	0,0%
Retained earnings from previous years	257 054	-	257 054	0,0	0,0	-	0,0%
Current year profit	2 235	320 431	12 673	143,4	0,1	10 438	467,0%
Current year retained earnings	2 235	320 431	12 673	143,4	0,1	10 438	467,0%
Future expenses	1 115	584	1 020	0,5	0,0	-95	-8,5%
OFF-BALANCE SHEET	494 004	766 521	626 198	1,6	0,3	132 194	26,8%
Contingent liabilities	-77 032	592 955	-77 011	7,7	0,3	21	-0,0%
Guarantees issued	-76 640	81	-76 559	0,0	0,0	81	-0,1%
Unused credit limits opened	-392	592 934	-452	1 512,6	0,3	-60	15,3%
Collateral on loans	541 785	173 200	673 135	0,3	0,1	131 350	24,2%
goods	449 524	163 200	590 875	0,4	0,1	141 351	31,4%
securities	92 261	20 001	82 260	0,2	0,0	-10 001	-10,8%
Other off-balance sheet accounts	29 251	1 210	30 074	0,0	0,0	823	2,8%
Accrued interest not yet received	30 516	1 210	31 339	0,0	0,0	823	2,7%
Written-off loans	-1 265	-	-1 265	0,0	0,0	-	0,0%
Past due ratio, total	229	-	244	0,0	0,0	15	6,6%
Past due ratio, individuals	1 426	-	1 444	0,0	0,0	18	1,3%
Past due ratio, corporates	93	-	99	0,0	0,0	6	6,5%
Past due ratio, corporates + entrepreneurs	93	-	99	0,0	0,0	6	6,5%

You can also get acquainted with balance sheet aggregation methodics.