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Central Bank of Russia registration number: 2223

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Balance Profit Profitability

IFRS reports

Financial analysis

• 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.	01.01.2009 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.	01.01.2009 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	5 949 794	5 806 911	142 883	3 221 684	3 109 062	112 622	-2 697 849	-30 261
High liquid assets	3 392 741	3 288 009	104 732	1 006 547	903 780	102 767	-2 384 229	-1 965
Cash and equivalents	2 711 320	2 705 734	5 586	656 922	638 770	18 152	-2 066 964	12 566
Cash	155 477	149 891	5 586	460 142	441 990	18 152	292 099	12 566
in cash and en route	147 809	142 223	5 586	452 504	434 352	18 152	292 129	12 566
in ATMs	7 668	7 668	-	7 638	7 638	-	-30	-
Nostro account with Central Bank	2 555 843	2 555 843	-	196 780	196 780	-	-2 359 063	-
Nostro accounts	681 021	581 875	99 146	349 223	264 608	84 615	-317 267	-14 531
Non-residents	90 127	-	90 127	77 248	-	77 248	-	-12 879
Residents	590 894	581 875	9 019	271 975	264 608	7 367	-317 267	-1 652
Money in transfer	400	400	-	402	402	-	2	-
Interest-earning assets	2 195 615	2 164 694	30 921	1 860 014	1 850 210	9 804	-314 484	-21 117
Dues from banks	21 430	-	21 430	-	-	-	-	-21 430
Residents	21 430	-	21 430	-	-	-	-	-21 430
more than 180 days	21 430	-	21 430	-	-	-	-	-21 430
Corporate	1 455	1 455	-	1 455	1 455	-	-	-
Provision for impairment of promissory notes	-1 455	-1 455	-	-1 455	-1 455	-	-	-
Loans to corporate clients	1 724 678	1 724 678	-	1 449 201	1 449 201	-	-275 477	-
residents	1 851 228	1 851 228	-	1 580 945	1 580 945	-	-270 283	-
up to 30 days	35 879	35 879	-	1 282	1 282	-	-34 597	-
up to 180 days	1 173 900	1 173 900	-	909 400	909 400	-	-264 500	-
up to 1 year	347 649	347 649	-	376 463	376 463	-	28 814	-
up to 3 years	293 800	293 800	-	293 800	293 800	-	-	-
Past-due	4 420	4 420	-	48 182	48 182	-	43 762	-
residents	4 420	4 420	-	48 182	48 182	-	43 762	-
Provision for impairment of corporate loans	-130 970	-130 970	-	-179 926	-179 926	-	-48 956	-
residents	-130 970	-130 970	-	-179 926	-179 926	-	-48 956	-
Loans to individuals	454 093	444 602	9 491	439 717	429 913	9 804	-14 689	313
Standard	459 609	451 333	8 276	446 280	437 797	8 483	-13 536	207
up to 30 days	9 723	8 886	837	9 927	8 966	961	80	124
up to 3 years	79 233	78 639	594	73 708	73 281	427	-5 358	-167
more than 3 years	370 653	363 808	6 845	362 645	355 550	7 095	-8 258	250
Past-due	4 502	3 287	1 215	5 001	3 680	1 321	393	106
Past-due	4 502	3 287	1 215	5 001	3 680	1 321	393	106
Provision for impairment of loans to individuals	-10 018	-10 018	-	-11 564	-11 564	-	-1 546	-
Provision for impairment of loans past-due	-4 586	-4 586	-	-28 904	-28 904	-	-24 318	-
Other assets	361 438	354 208	7 230	355 123	355 072	51	864	-7 179
Mandatory reserves with Central Bank	9 290	9 290	-	6 612	6 612	-	-2 678	-
Premises and equipment	261 097	261 097	-	260 523	260 523	-	-574	-
Purchase cost	304 593	304 593	-	304 487	304 487	-	-106	-
Depreciation	-43 496	-43 496	-	-43 964	-43 964	-	-468	-
Accrued interest not yet received	14 434	14 106	328	13 932	13 881	51	-225	-277
Other assets	108 258	101 356	6 902	101 465	101 465	-	109	-6 902
Provision for impairment of other assets	-31 641	-31 641	-	-27 409	-27 409	-	4 232	-
LIABILITIES	5 078 681	4 933 048	145 633	2 407 278	2 294 128	113 150	-2 638 920	-32 483
Dues to banks	380 796	380 669	127	162 775	162 775	-	-217 894	-127
On demand	976	976	-	32 775	32 775	-	31 799	-
Residents	976	976	-	32 775	32 775	-	31 799	-
Term	350 000	350 000	-	130 000	130 000	-	-220 000	-
Residents	350 000	350 000	-	130 000	130 000	-	-220 000	-
up to 180 days	350 000	350 000	-	130 000	130 000	-	-220 000	-
Other dues to banks	29 820	29 693	127	-	-	-	-29 693	-127
On demand	4 521 679	4 458 477	63 202	1 994 585	1 953 190	41 395	-2 505 287	-21 807
Corporate clients	4 494 777	4 438 488	56 289	1 973 411	1 934 606	38 805	-2 503 882	-17 484
State-owned enterprises	4 207 315	4 171 728	35 587	1 521 172	1 515 648	5 524	-2 656 080	-30 063
Residents	287 462	266 760	20 702	452 239	418 958	33 281	152 198	12 579
Individuals	26 856	19 943	6 913	21 128	18 538	2 590	-1 405	-4 323
Residents	26 855	19 942	6 913	21 127	18 537	2 590	-1 405	-4 323
Non-residents	1	1	-	1	1	-	-	-
Brokerage accounts	46	46	-	46	46	-	-	-
Residents	46	46	-	46	46	-	-	-
Term	162 439	82 272	80 167	242 116	172 259	69 857	89 987	-10 310
Corporate clients	28 390	7 000	21 390	140 699	112 300	28 399	105 300	7 009
Residents	10 106	7 000	3 106	115 903	112 300	3 603	105 300	497
up to 30 days	-	-	-	1 000	1 000	-	1 000	-
up to 180 days	3 106	-	3 106	107 903	104 300	3 603	104 300	497
up to 1 year	1 000	1 000	-	1 000	1 000	-	-	-
up to 3 years	6 000	6 000	-	6 000	6 000	-	-	-
State-owned enterprises	18 284	-	18 284	24 796	-	24 796	-	6 512
up to 1 year	18 284	-	18 284	24 796	-	24 796	-	6 512
Individuals	134 049	75 272	58 777	101 417	59 959	41 458	-15 313	-17 319
residents	133 442	75 272	58 170	100 771	59 959	40 812	-15 313	-17 358
up to 30 days	421	5	416	447	5	442	-	26
up to 180 days	15 452	10 639	4 813	26 791	9 834	16 957	-805	12 144
up to 1 year	22 590	19 379	3 211	19 679	17 044	2 635	-2 335	-576
up to 3 years	94 581	45 249	49 332	53 430	33 075	20 355	-12 174	-28 977
more than 3 years	398	-	398	424	1	423	1	25
non-residents	607	-	607	646	-	646	-	39
up to 1 year	607	-	607	646	-	646	-	39
Other liabilities	13 767	11 630	2 137	7 802	5 904	1 898	-5 726	-239
Other liabilities	6 405	6 224	181	2 274	2 237	37	-3 987	-144
Accrued interest not yet paid	7 362	5 406	1 956	5 528	3 667	1 861	-1 739	-95
EQUITY	871 113	871 113	-	814 406	814 406	-	-56 707	-
Capital	440 612	440 612	-	440 612	440 612	-	-	-
Profit from previous years	359 812	359 812	-	359 812	359 812	-	-	-
Retained earnings from previous years	359 812	359 812	-	359 812	359 812	-	-	-
Current year profit	71 953	71 953	-	15 216	15 216	-	-56 737	-
Current year retained earnings	71 953	71 953	-	15 216	15 216	-	-56 737	-
Future expenses	-1 264	-1 264	-	-1 234	-1 234	-	30	-
OFF-BALANCE SHEET	2 174 267	2 161 848	12 419	2 106 126	2 092 736	13 390	-69 112	971
Contingent liabilities	-191 536	-190 449	-1 087	-199 625	-198 623	-1 002	-8 174	85
Guarantees issued	-32 058	-32 058	-	-17 334	-17 334	-	14 724	-
Unused credit limits opened	-159 478	-158 391	-1 087	-182 291	-181 289	-1 002	-22 898	85
Collateral on loans	2 373 646	2 359 785	13 861	2 311 810	2 297 058	14 752	-62 727	891
goods	2 361 335	2 347 474	13 861	2 299 499	2 284 747	14 752	-62 727	891
securities	12 311	12 311	-	12 311	12 311	-	-	-
Other off-balance sheet accounts	-7 843	-7 488	-355	-6 059	-5 699	-360	1 789	-5
Accrued interest not yet received	1 233	877	356	2 506	2 109	397	1 232	41
Written-off interest	-4 678	-4 385	-293	-4 186	-3 874	-312	511	-19
Written-off loans	-4 398	-3 980	-418	-4 379	-3 934	-445	46	-27
Credit card balances	9 723	8 886	837	9 927	8 966	961	80	124
Past due ratio, total	38	33	5	256	250	6	217	1
Past due ratio, individuals	97	72	25	111	83	28	11	3
Past due ratio, corporates	24	24	0	296	296	0	272	0
Past due ratio, corporates + entrepreneurs	24	24	0	296	296	0	272	0
Past-due rate:	0,38%	0,33%	12,80%	2,56%	2,50%	13,47%	2,17%	0,67%
corporate clients:	0,24%	0,24%	-	2,96%	2,96%	-	2,72%	0,00%
individuals:	0,97%	0,72%	12,80%	1,11%	0,83%	13,47%	0,11%	0,67%

You can also get acquainted with balance sheet aggregation methodics.