Balance sheet position, thous. rub.
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
in roubles
in foreign crnc.
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
in roubles
in foreign crnc.
Change, roubles
Change, foreign currency
ASSETS
732 043
728 188
3 855
783 921
781 124
2 797
52 936
-1 058
High liquid assets
118 748
114 893
3 855
92 301
89 504
2 797
-25 389
-1 058
Cash and equivalents
113 445
112 244
1 201
87 450
86 669
781
-25 575
-420
Cash
19 898
18 697
1 201
24 820
24 039
781
5 342
-420
in cash and en route
18 399
17 198
1 201
23 590
22 809
781
5 611
-420
in ATMs
1 499
1 499
-
1 230
1 230
-
-269
-
Nostro account with Central Bank
93 547
93 547
-
62 630
62 630
-
-30 917
-
Nostro accounts
5 306
2 652
2 654
4 854
2 838
2 016
186
-638
Residents
5 306
2 652
2 654
4 854
2 838
2 016
186
-638
Provision for impairment of high-liquid assets
-3
-3
-
-3
-3
-
-
-
Interest-earning assets
456 694
456 694
-
498 472
498 472
-
41 778
-
Securities
33 629
33 629
-
84 609
84 609
-
50 980
-
Promissory notes
33 629
33 629
-
84 609
84 609
-
50 980
-
Corporate
22 616
22 616
-
22 988
22 988
-
372
-
Banks
11 013
11 013
-
61 621
61 621
-
50 608
-
Loans to corporate clients
367 445
367 445
-
359 560
359 560
-
-7 885
-
residents
439 759
439 759
-
368 238
368 238
-
-71 521
-
up to 30 days
488
488
-
654
654
-
166
-
up to 180 days
9 000
9 000
-
-
-
-
-9 000
-
up to 1 year
278 269
278 269
-
263 003
263 003
-
-15 266
-
up to 3 years
146 785
146 785
-
103 701
103 701
-
-43 084
-
more than 3 years
5 217
5 217
-
880
880
-
-4 337
-
Past-due
43 024
43 024
-
55 254
55 254
-
12 230
-
residents
43 024
43 024
-
55 254
55 254
-
12 230
-
Provision for impairment of corporate loans
-115 338
-115 338
-
-63 932
-63 932
-
51 406
-
residents
-115 338
-115 338
-
-63 932
-63 932
-
51 406
-
Loans to private entrepreneurs
61 766
61 766
-
61 313
61 313
-
-453
-
up to 30 days
303
303
-
300
300
-
-3
-
up to 180 days
1 000
1 000
-
1 000
1 000
-
-
-
up to 1 year
355
355
-
310
310
-
-45
-
up to 3 years
29 343
29 343
-
28 878
28 878
-
-465
-
more than 3 years
30 744
30 744
-
30 616
30 616
-
-128
-
Past-due
188
188
-
320
320
-
132
-
Provision for impairment of loans to private entrepreneurs
-167
-167
-
-111
-111
-
56
-
Loans to individuals
38 740
38 740
-
49 998
49 998
-
11 258
-
Standard
37 370
37 370
-
48 604
48 604
-
11 234
-
up to 180 days
260
260
-
260
260
-
-
-
up to 1 year
7 375
7 375
-
5 146
5 146
-
-2 229
-
up to 3 years
21 051
21 051
-
21 442
21 442
-
391
-
more than 3 years
8 684
8 684
-
21 756
21 756
-
13 072
-
Past-due
2 307
2 307
-
2 303
2 303
-
-4
-
Past-due
2 307
2 307
-
2 303
2 303
-
-4
-
Provision for impairment of loans to individuals
-937
-937
-
-909
-909
-
28
-
Provision for impairment of loans past-due
-44 886
-44 886
-
-57 008
-57 008
-
-12 122
-
Other assets
156 601
156 601
-
193 148
193 148
-
36 547
-
Mandatory reserves with Central Bank
12 695
12 695
-
12 869
12 869
-
174
-
Premises and equipment
6 700
6 700
-
49 279
49 279
-
42 579
-
Purchase cost
17 162
17 162
-
72 304
72 304
-
55 142
-
Depreciation
-10 462
-10 462
-
-23 025
-23 025
-
-12 563
-
Accrued interest not yet received
2 737
2 737
-
3 139
3 139
-
402
-
Assets under management
132 373
132 373
-
124 999
124 999
-
-7 374
-
Non-current assets
28
28
-
28
28
-
-
-
Other assets
2 460
2 460
-
3 167
3 167
-
707
-
Provision for impairment of other assets
-392
-392
-
-333
-333
-
59
-
LIABILITIES
689 900
685 954
3 946
700 674
697 795
2 879
11 841
-1 067
Dues to banks
95
95
-
-
-
-
-95
-
Other dues to banks
95
95
-
-
-
-
-95
-
On demand
45 103
43 826
1 277
49 882
49 427
455
5 601
-822
Corporate clients
34 842
34 840
2
39 266
39 264
2
4 424
-
State-owned enterprises
919
919
-
4 424
4 424
-
3 505
-
Residents
33 923
33 921
2
34 842
34 840
2
919
-
Individuals
10 261
8 986
1 275
10 616
10 163
453
1 177
-822
Residents
10 261
8 986
1 275
10 616
10 163
453
1 177
-822
Term
642 831
640 236
2 595
649 946
647 593
2 353
7 357
-242
Corporate clients
720
720
-
770
770
-
50
-
Residents
720
720
-
770
770
-
50
-
up to 30 days
-
-
-
50
50
-
50
-
up to 180 days
100
100
-
-
-
-
-100
-
up to 1 year
620
620
-
720
720
-
100
-
Individuals
642 111
639 516
2 595
649 176
646 823
2 353
7 307
-242
residents
642 099
639 504
2 595
649 164
646 811
2 353
7 307
-242
up to 180 days
79 151
79 151
-
76 805
76 805
-
-2 346
-
up to 1 year
518 058
515 463
2 595
530 884
528 531
2 353
13 068
-242
up to 3 years
17 387
17 387
-
15 620
15 620
-
-1 767
-
more than 3 years
27 503
27 503
-
25 855
25 855
-
-1 648
-
non-residents
12
12
-
12
12
-
-
-
up to 180 days
12
12
-
12
12
-
-
-
Other liabilities
1 871
1 797
74
846
775
71
-1 022
-3
Other liabilities
336
336
-
124
124
-
-212
-
Accrued interest not yet paid
1 535
1 461
74
722
651
71
-810
-3
EQUITY
42 143
42 143
-
83 247
83 247
-
41 104
-
Capital
116 559
116 559
-
116 559
116 559
-
-
-
Profit from previous years
51 827
51 827
-
52 082
52 082
-
255
-
Retained earnings from previous years
51 827
51 827
-
52 082
52 082
-
255
-
Current year profit
-120 423
-120 423
-
-79 782
-79 782
-
40 641
-
Current year retained earnings
-120 423
-120 423
-
-79 782
-79 782
-
40 641
-
Future expenses
-5 820
-5 820
-
-5 612
-5 612
-
208
-
OFF-BALANCE SHEET
1 532 817
1 532 817
-
1 359 558
1 359 558
-
-173 259
-
Contingent liabilities
-9 671
-9 671
-
-9 408
-9 408
-
263
-
Unused credit limits opened
-9 671
-9 671
-
-9 408
-9 408
-
263
-
Collateral on loans
1 534 225
1 534 225
-
1 360 034
1 360 034
-
-174 191
-
goods
1 509 492
1 509 492
-
1 335 301
1 335 301
-
-174 191
-
securities
24 733
24 733
-
24 733
24 733
-
-
-
Other off-balance sheet accounts
8 263
8 263
-
8 932
8 932
-
669
-
Accrued interest not yet received
8 263
8 263
-
8 932
8 932
-
669
-
Past due ratio, total
779
779
0
1 080
1 080
-0
301
-0
Past due ratio, individuals
581
581
-0
452
452
-0
-129
0
Past due ratio, corporates
891
891
-0
1 305
1 305
0
414
0
Past due ratio, entrepreneurs
30
30
-0
52
52
-0
22
0
Past due ratio, corporates + entrepreneurs
793
793
-0
1 146
1 146
-0
353
0
Past-due rate:
7,79%
7,79%
-
10,80%
10,80%
-
3,01%
0,00%
corporate clients:
7,93%
7,93%
-
11,46%
11,46%
-
3,53%
0,00%
individuals:
5,81%
5,81%
-
4,52%
4,52%
-
-1,29%
0,00%