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Central Bank of Russia registration number: 589

General information Emissions0

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 with currency breakdown (roubles and foreign currency). You can also get acquainted with balance sheet aggregation methodics.

Balance sheet position, thous. rub.	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	in roubles	in foreign crnc.	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	in roubles	in foreign crnc.	Change, roubles	Change, foreign currency
ASSETS	1 120 574	1 081 044	39 530	1 202 221	1 158 442	43 779	77 398	4 249
High liquid assets	175 511	144 048	31 463	109 718	68 861	40 857	-75 187	9 394
Cash and equivalents	129 067	114 179	14 888	87 216	61 133	26 083	-53 046	11 195
Cash	82 117	67 229	14 888	69 287	43 204	26 083	-24 025	11 195
in cash and en route	79 428	64 540	14 888	66 405	40 322	26 083	-24 218	11 195
in ATMs	2 689	2 689	-	2 882	2 882	-	193	-
Nostro account with Central Bank	46 950	46 950	-	17 929	17 929	-	-29 021	-
Nostro accounts	41 590	27 719	13 871	17 630	4 981	12 649	-22 738	-1 222
Non-residents	1 274	306	968	554	45	509	-261	-459
Residents	40 316	27 413	12 903	17 076	4 936	12 140	-22 477	-763
Money in transfer	5 223	2 519	2 704	5 019	2 894	2 125	375	-579
Provision for impairment of high-liquid assets	-369	-369	-	-147	-147	-	222	-
Interest-earning assets	621 933	616 352	5 581	799 839	799 129	710	182 777	-4 871
Dues from banks	481	-	481	455	-	455	-	-26
Residents	481	-	481	455	-	455	-	-26
up to 30 days	481	-	481	455	-	455	-	-26
Securities	250 765	250 765	-	442 224	442 224	-	191 459	-
Stocks	250 765	250 765	-	442 224	442 224	-	191 459	-
Residents	249 972	249 972	-	414 758	414 758	-	164 786	-
Valuation allowance	793	793	-	27 466	27 466	-	26 673	-
Loans to corporate clients	35 073	35 073	-	30 592	30 592	-	-4 481	-
residents	36 987	36 987	-	32 306	32 306	-	-4 681	-
up to 30 days	512	512	-	4 123	4 123	-	3 611	-
up to 180 days	18 500	18 500	-	15 500	15 500	-	-3 000	-
up to 1 year	15 138	15 138	-	11 846	11 846	-	-3 292	-
up to 3 years	2 837	2 837	-	837	837	-	-2 000	-
Past-due	1 636	1 636	-	4 455	4 455	-	2 819	-
residents	1 636	1 636	-	4 455	4 455	-	2 819	-
Provision for impairment of corporate loans	-3 550	-3 550	-	-6 169	-6 169	-	-2 619	-
residents	-3 550	-3 550	-	-6 169	-6 169	-	-2 619	-
Loans to private entrepreneurs	11 730	11 730	-	11 800	11 800	-	70	-
up to 180 days	11 013	11 013	-	11 775	11 775	-	762	-
up to 1 year	767	767	-	50	50	-	-717	-
Provision for impairment of loans to private entrepreneurs	-50	-50	-	-25	-25	-	25	-
Loans to individuals	323 884	318 784	5 100	314 768	314 513	255	-4 271	-4 845
Standard	342 819	337 719	5 100	342 518	342 263	255	4 544	-4 845
up to 30 days	6	6	-	20	20	-	14	-
up to 180 days	9 585	9 585	-	9 521	9 521	-	-64	-
up to 1 year	22 826	22 081	745	8 000	8 000	-	-14 081	-745
up to 3 years	27 395	26 504	891	27 249	27 165	84	661	-807
more than 3 years	283 007	279 543	3 464	297 728	297 557	171	18 014	-3 293
Past-due	6 245	6 245	-	6 420	6 420	-	175	-
Past-due	6 245	6 245	-	6 420	6 420	-	175	-
Provision for impairment of loans to individuals	-25 180	-25 180	-	-34 170	-34 170	-	-8 990	-
Other assets	323 130	320 644	2 486	292 664	290 452	2 212	-30 192	-274
Mandatory reserves with Central Bank	31 582	31 582	-	29 753	29 753	-	-1 829	-
Premises and equipment	100 256	100 256	-	98 223	98 223	-	-2 033	-
Purchase cost	116 955	116 955	-	115 391	115 391	-	-1 564	-
Depreciation	-16 699	-16 699	-	-17 168	-17 168	-	-469	-
Accrued interest not yet received	5 967	5 914	53	3 603	3 597	6	-2 317	-47
Other assets	187 475	185 042	2 433	172 185	169 979	2 206	-15 063	-227
Provision for impairment of other assets	-2 150	-2 150	-	-11 100	-11 100	-	-8 950	-
LIABILITIES	912 514	869 907	42 607	992 998	944 900	48 098	74 993	5 491
On demand	126 853	124 411	2 442	129 636	118 077	11 559	-6 334	9 117
Corporate clients	108 399	108 387	12	92 966	92 813	153	-15 574	141
State-owned enterprises	74	74	-	169	169	-	95	-
Residents	108 317	108 313	4	92 788	92 644	144	-15 669	140
Non-residents	8	-	8	9	-	9	-	1
Individuals	18 454	16 024	2 430	36 670	25 264	11 406	9 240	8 976
Residents	18 149	15 750	2 399	36 366	24 990	11 376	9 240	8 977
Non-residents	305	274	31	304	274	30	-	-1
Term	779 842	740 913	38 929	757 581	721 586	35 995	-19 327	-2 934
Corporate clients	50 967	50 967	-	49 127	49 127	-	-1 840	-
Residents	50 967	50 967	-	49 127	49 127	-	-1 840	-
up to 1 year	1 800	1 800	-	1 800	1 800	-	-	-
up to 3 years	44 783	44 783	-	43 248	43 248	-	-1 535	-
more than 3 years	4 384	4 384	-	4 079	4 079	-	-305	-
Individuals	728 875	689 946	38 929	708 454	672 459	35 995	-17 487	-2 934
residents	728 322	689 393	38 929	707 900	671 905	35 995	-17 488	-2 934
up to 180 days	12 379	5 781	6 598	11 083	5 595	5 488	-186	-1 110
up to 1 year	23 804	16 071	7 733	22 810	15 669	7 141	-402	-592
up to 3 years	692 139	667 541	24 598	674 007	650 641	23 366	-16 900	-1 232
non-residents	553	553	-	554	554	-	1	-
up to 3 years	553	553	-	554	554	-	1	-
Other liabilities	5 819	4 583	1 236	105 781	105 237	544	100 654	-692
Other liabilities	2 888	1 652	1 236	103 419	102 875	544	101 223	-692
Accrued interest not yet paid	2 931	2 931	-	2 362	2 362	-	-569	-
EQUITY	208 060	208 060	-	209 223	209 223	-	1 163	-
Capital	181 385	181 385	-	181 385	181 385	-	-	-
Profit from previous years	9 936	9 936	-	31 066	31 066	-	21 130	-
Retained earnings from previous years	9 936	9 936	-	31 066	31 066	-	21 130	-
Current year profit	24 321	24 321	-	4 317	4 317	-	-20 004	-
Current year retained earnings	24 321	24 321	-	4 317	4 317	-	-20 004	-
Future expenses	-7 582	-7 582	-	-7 545	-7 545	-	37	-
OFF-BALANCE SHEET	140 989	140 989	-	132 844	132 844	-	-8 145	-
Contingent liabilities	-9 987	-9 987	-	-7 401	-7 401	-	2 586	-
Guarantees issued	-700	-700	-	-	-	-	700	-
Unused credit limits opened	-9 287	-9 287	-	-7 401	-7 401	-	1 886	-
Collateral on loans	151 945	151 945	-	141 090	141 090	-	-10 855	-
goods	151 945	151 945	-	141 090	141 090	-	-10 855	-
Other off-balance sheet accounts	-969	-969	-	-845	-845	-	124	-
Accrued interest not yet received	955	955	-	1 084	1 084	-	129	-
Written-off interest	-251	-251	-	-251	-251	-	-	-
Written-off loans	-1 673	-1 673	-	-1 678	-1 678	-	-5	-
Credit card balances	6	6	-	20	20	-	14	-
Past due ratio, total	197	200	-3	274	274	0	74	3
Past due ratio, individuals	179	182	-3	184	184	-0	3	2
Past due ratio, corporates	424	424	0	1 212	1 212	0	788	-0
Past due ratio, corporates + entrepreneurs	325	325	0	917	917	0	592	-0
Past-due rate:	1,97%	2,00%	0,00%	2,74%	2,74%	0,00%	0,74%	0,00%
corporate clients:	3,25%	3,25%	-	9,17%	9,17%	-	5,92%	0,00%
individuals:	1,79%	1,82%	0,00%	1,84%	1,84%	0,00%	0,03%	0,00%

You can also get acquainted with balance sheet aggregation methodics.