Balance sheet position, thous. rub.
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
in roubles
in foreign crnc.
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
in roubles
in foreign crnc.
Change, roubles
Change, foreign currency
ASSETS
11 777 214
10 473 705
1 303 509
9 043 399
8 221 575
821 824
-2 252 130
-481 685
High liquid assets
2 317 493
1 716 451
601 042
1 606 042
1 314 573
291 469
-401 878
-309 573
Cash and equivalents
1 933 769
1 629 584
304 185
1 525 180
1 306 397
218 783
-323 187
-85 402
Cash
1 602 609
1 298 424
304 185
1 488 987
1 270 204
218 783
-28 220
-85 402
in cash and en route
1 541 785
1 247 506
294 279
1 474 807
1 258 506
216 301
11 000
-77 978
in operational cash offices
4 755
3 328
1 427
1 689
1 141
548
-2 187
-879
in ATMs
56 069
47 590
8 479
12 491
10 557
1 934
-37 033
-6 545
Nostro account with Central Bank
331 160
331 160
-
36 193
36 193
-
-294 967
-
Nostro accounts
104 656
15 887
88 769
78 760
6 644
72 116
-9 243
-16 653
Non-residents
16 996
-
16 996
4 331
-
4 331
-
-12 665
Residents
87 660
15 887
71 773
74 429
6 644
67 785
-9 243
-3 988
Money in transfer
20 781
20 444
337
3 096
2 526
570
-17 918
233
Exchange accounts
259 320
51 569
207 751
3
3
-
-51 566
-207 751
Provision for impairment of high-liquid assets
-1 033
-1 033
-
-997
-997
-
36
-
Interest-earning assets
8 132 208
7 442 074
690 134
6 052 959
5 533 766
519 193
-1 908 308
-170 941
Dues from banks
839
-
839
824
-
824
-
-15
Residents
839
-
839
824
-
824
-
-15
up to 30 days
839
-
839
824
-
824
-
-15
Loans past-due
106 643
106 643
-
106 643
106 643
-
-
-
residents
106 643
106 643
-
106 643
106 643
-
-
-
Provision for impairment of loans to banks
-106 643
-106 643
-
-106 643
-106 643
-
-
-
Securities
21 544
21 544
-
20 547
20 547
-
-997
-
Promissory notes
21 544
21 544
-
20 547
20 547
-
-997
-
Banks
21 752
21 752
-
20 755
20 755
-
-997
-
Provision for impairment of promissory notes
-208
-208
-
-208
-208
-
-
-
Loans to corporate clients
5 547 450
4 939 960
607 490
3 913 197
3 471 074
442 123
-1 468 886
-165 367
residents
5 830 499
5 223 009
607 490
4 124 415
3 682 292
442 123
-1 540 717
-165 367
up to 30 days
57 738
57 738
-
8 110
8 110
-
-49 628
-
up to 180 days
164 761
164 761
-
16 152
16 152
-
-148 609
-
up to 1 year
2 429 565
2 021 547
408 018
2 096 099
1 752 341
343 758
-269 206
-64 260
up to 3 years
1 901 043
1 745 850
155 193
1 418 291
1 363 422
54 869
-382 428
-100 324
more than 3 years
1 277 392
1 233 113
44 279
585 763
542 267
43 496
-690 846
-783
non-residents
5 489
5 489
-
5 489
5 489
-
-
-
more than 3 years
5 489
5 489
-
5 489
5 489
-
-
-
Past-due
464 132
464 132
-
451 669
451 669
-
-12 463
-
residents
464 132
464 132
-
451 669
451 669
-
-12 463
-
Provision for impairment of corporate loans
-752 670
-752 670
-
-668 376
-668 376
-
84 294
-
residents
-752 670
-752 670
-
-668 376
-668 376
-
84 294
-
Loans to private entrepreneurs
32 069
32 069
-
26 399
26 399
-
-5 670
-
up to 30 days
4 381
4 381
-
-
-
-
-4 381
-
up to 180 days
400
400
-
250
250
-
-150
-
up to 1 year
676
676
-
570
570
-
-106
-
up to 3 years
22 617
22 617
-
21 365
21 365
-
-1 252
-
Past-due
5 029
5 029
-
5 136
5 136
-
107
-
Provision for impairment of loans to private entrepreneurs
-1 034
-1 034
-
-922
-922
-
112
-
Loans to individuals
2 970 798
2 888 993
81 805
2 516 730
2 440 484
76 246
-448 509
-5 559
Standard
2 711 839
2 636 473
75 366
2 255 039
2 185 118
69 921
-451 355
-5 445
up to 30 days
3 594
1 865
1 729
1 791
1 239
552
-626
-1 177
up to 1 year
23 926
7 324
16 602
21 337
7 068
14 269
-256
-2 333
up to 3 years
524 858
521 397
3 461
331 683
328 359
3 324
-193 038
-137
more than 3 years
2 159 461
2 105 887
53 574
1 900 228
1 848 452
51 776
-257 435
-1 798
Past-due
358 168
351 729
6 439
360 194
353 869
6 325
2 140
-114
Past-due
358 168
351 729
6 439
360 194
353 869
6 325
2 140
-114
Provision for impairment of loans to individuals
-99 209
-99 209
-
-98 503
-98 503
-
706
-
Provision for impairment of loans past-due
-440 492
-440 492
-
-424 738
-424 738
-
15 754
-
Other assets
1 327 513
1 315 180
12 333
1 384 398
1 373 236
11 162
58 056
-1 171
Mandatory reserves with Central Bank
233 715
233 715
-
259 762
259 762
-
26 047
-
Premises and equipment
894 344
894 344
-
892 341
892 341
-
-2 003
-
Purchase cost
1 051 653
1 051 653
-
1 052 807
1 052 807
-
1 154
-
Depreciation
-157 309
-157 309
-
-160 466
-160 466
-
-3 157
-
Accrued interest not yet received
102 297
100 983
1 314
103 138
101 690
1 448
707
134
Non-current assets
100 668
100 668
-
98 517
98 517
-
-2 151
-
Other assets
110 896
99 877
11 019
223 749
214 035
9 714
114 158
-1 305
Provision for impairment of other assets
-114 407
-114 407
-
-193 109
-193 109
-
-78 702
-
LIABILITIES
10 177 447
7 280 078
2 897 369
7 428 622
5 116 215
2 312 407
-2 163 863
-584 962
Dues to banks
169 897
167 701
2 196
70 277
63 675
6 602
-104 026
4 406
On demand
2 252
56
2 196
-
-
-
-56
-2 196
Residents
2 252
56
2 196
-
-
-
-56
-2 196
Term
167 645
167 645
-
63 675
63 675
-
-103 970
-
Residents
167 645
167 645
-
63 675
63 675
-
-103 970
-
up to 180 days
90 000
90 000
-
-
-
-
-90 000
-
more than 180 days
77 645
77 645
-
63 675
63 675
-
-13 970
-
Other dues to banks
-
-
-
6 602
-
6 602
-
6 602
On demand
1 807 933
1 751 304
56 629
933 644
901 023
32 621
-850 281
-24 008
Corporate clients
1 455 509
1 437 713
17 796
771 310
762 065
9 245
-675 648
-8 551
State-owned enterprises
24 167
24 167
-
18 167
18 167
-
-6 000
-
Residents
1 429 008
1 412 070
16 938
751 589
743 096
8 493
-668 974
-8 445
Non-residents
2 334
1 476
858
1 554
802
752
-674
-106
Individuals
351 990
313 438
38 552
162 213
138 837
23 376
-174 601
-15 176
Residents
317 945
284 078
33 867
149 138
128 030
21 108
-156 048
-12 759
Non-residents
34 045
29 360
4 685
13 075
10 807
2 268
-18 553
-2 417
Brokerage accounts
434
153
281
121
121
-
-32
-281
Residents
434
153
281
121
121
-
-32
-281
Term
7 781 581
5 016 666
2 764 915
6 155 021
3 925 904
2 229 117
-1 090 762
-535 798
Corporate clients
685 270
319 578
365 692
516 585
164 724
351 861
-154 854
-13 831
Residents
460 229
319 578
140 651
303 424
164 724
138 700
-154 854
-1 951
up to 30 days
50
50
-
-
-
-
-50
-
up to 180 days
73 259
73 259
-
28 259
28 259
-
-45 000
-
up to 1 year
28 693
28 693
-
20 796
20 796
-
-7 897
-
up to 3 years
313 948
217 576
96 372
210 873
115 669
95 204
-101 907
-1 168
more than 3 years
44 279
-
44 279
43 496
-
43 496
-
-783
Non-residents
225 041
-
225 041
213 161
-
213 161
-
-11 880
more than 3 years
225 041
-
225 041
213 161
-
213 161
-
-11 880
Individuals
7 096 311
4 697 088
2 399 223
5 638 436
3 761 180
1 877 256
-935 908
-521 967
residents
7 053 475
4 676 167
2 377 308
5 603 672
3 746 228
1 857 444
-929 939
-519 864
up to 30 days
23 045
21 460
1 585
13 685
12 471
1 214
-8 989
-371
up to 180 days
1 375 670
1 150 197
225 473
1 089 835
918 425
171 410
-231 772
-54 063
up to 1 year
4 102 268
2 173 724
1 928 544
3 371 848
1 832 834
1 539 014
-340 890
-389 530
up to 3 years
1 552 492
1 330 786
221 706
1 128 304
982 498
145 806
-348 288
-75 900
non-residents
42 836
20 921
21 915
34 764
14 952
19 812
-5 969
-2 103
up to 30 days
1 276
694
582
86
86
-
-608
-582
up to 180 days
5 022
3 794
1 228
3 131
2 433
698
-1 361
-530
up to 1 year
31 427
13 158
18 269
26 799
9 604
17 195
-3 554
-1 074
up to 3 years
5 111
3 275
1 836
4 748
2 829
1 919
-446
83
Securities issued
159 870
119 043
40 827
59 742
36 659
23 083
-82 384
-17 744
Promissory notes
159 870
119 043
40 827
59 742
36 659
23 083
-82 384
-17 744
up to 30 days
1 986
105
1 881
1 881
-
1 881
-105
-
up to 180 days
76 656
70 000
6 656
6 539
-
6 539
-70 000
-117
more than 180 days
84 506
52 216
32 290
53 718
39 055
14 663
-13 161
-17 627
Discount accrued
-3 278
-3 278
-
-2 396
-2 396
-
882
-
Other liabilities
258 166
225 364
32 802
209 938
188 954
20 984
-36 410
-11 818
Other liabilities
37 439
36 461
978
32 292
31 112
1 180
-5 349
202
Accrued interest not yet paid
220 727
188 903
31 824
177 646
157 842
19 804
-31 061
-12 020
EQUITY
1 599 767
1 620 022
-20 255
1 614 777
1 634 432
-19 655
14 410
600
Capital
1 920 643
1 920 643
-
1 920 643
1 920 643
-
-
-
Profit from previous years
206 196
206 196
-
212 418
212 418
-
6 222
-
Retained earnings from previous years
206 196
206 196
-
212 418
212 418
-
6 222
-
Current year profit
-486 766
-486 766
-
-478 467
-478 467
-
8 299
-
Current year retained earnings
-486 766
-486 766
-
-478 467
-478 467
-
8 299
-
Future expenses
-40 306
-20 051
-20 255
-39 817
-20 162
-19 655
-111
600
OFF-BALANCE SHEET
8 857 422
8 868 078
-10 656
6 942 749
6 941 483
1 266
-1 926 595
11 922
Unused credit limits available
246 878
246 878
-
256 334
256 334
-
9 456
-
Contingent liabilities
-1 034 502
-995 940
-38 562
-509 804
-483 536
-26 268
512 404
12 294
Guarantees issued
-258 343
-241 847
-16 496
-257 853
-241 649
-16 204
198
292
Unused credit limits opened
-776 159
-754 093
-22 066
-251 951
-241 887
-10 064
512 206
12 002
Collateral on loans
9 663 696
9 634 909
28 787
7 214 889
7 186 492
28 397
-2 448 417
-390
goods
9 524 171
9 518 848
5 323
7 081 898
7 076 584
5 314
-2 442 264
-9
securities
139 525
116 061
23 464
132 991
109 908
23 083
-6 153
-381
Other off-balance sheet accounts
-18 650
-17 769
-881
-18 670
-17 807
-863
-38
18
Accrued interest not yet received
38 142
38 137
5
38 099
38 093
6
-44
1
Written-off interest
-392
-255
-137
-383
-249
-134
6
3
Written-off loans
-56 400
-55 651
-749
-56 386
-55 651
-735
-
14
Credit card balances
3 594
1 865
1 729
1 791
1 239
552
-626
-1 177
Past due ratio, total
880
942
-62
1 131
1 209
-78
267
-16
Past due ratio, individuals
1 167
1 177
-10
1 377
1 394
-17
217
-7
Past due ratio, corporates
737
815
-78
986
1 091
-105
276
-27
Past due ratio, entrepreneurs
1 519
1 519
-0
1 880
1 880
0
361
0
Past due ratio, corporates + entrepreneurs
741
819
-78
991
1 096
-105
277
-27
Past-due rate:
8,80%
9,42%
0,93%
11,31%
12,09%
1,22%
2,67%
0,29%
corporate clients:
7,41%
8,19%
0,00%
9,91%
10,96%
0,00%
2,77%
0,00%
individuals:
11,67%
11,77%
7,87%
13,77%
13,94%
8,30%
2,17%
0,42%