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Central Bank of Russia registration number: 2447

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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.	01.10.2011	>> Turnover >>	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 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	460 317	882 592	306 764	1,9	2,9	-153 553	-33,4%
High liquid assets	74 197	483 659	45 203	6,5	1,6	-28 994	-39,1%
Cash and equivalents	72 166	445 378	44 346	6,2	1,5	-27 820	-38,6%
Cash	25 302	116 389	7 769	4,6	0,4	-17 533	-69,3%
in cash and en route	25 302	116 389	7 769	4,6	0,4	-17 533	-69,3%
Nostro account with Central Bank	46 864	328 989	36 577	7,0	1,1	-10 287	-22,0%
Nostro accounts	1 780	34 287	863	19,3	0,1	-917	-51,5%
Residents	1 780	34 287	863	19,3	0,1	-917	-51,5%
Money in transfer	259	3 994	-	15,4	0,0	-259	-100,0%
Provision for impairment of high-liquid assets	-8	2	-6	0,3	0,0	2	-25,0%
Interest-earning assets	252 472	211 256	252 075	0,8	0,7	-397	-0,2%
Dues from banks	35 300	198 300	-	5,6	0,6	-35 300	-100,0%
Residents	35 300	198 300	-	5,6	0,6	-35 300	-100,0%
up to 30 days	35 300	198 300	-	5,6	0,6	-35 300	-100,0%
Securities	-	-	-	-	-	-	-
Bonds	-	-	-	-	-	-	-
Corporate bonds	-	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
Corporate	-	-	-	-	-	-	-
Provision for impairment of promissory notes	-	-	-	-	-	-	-
Loans to corporate clients	140 298	3 152	139 248	0,0	0,0	-1 050	-0,7%
residents	141 568	3 036	139 432	0,0	0,0	-2 136	-1,5%
up to 30 days	-	900	-	-	-	-	-
up to 1 year	28 174	516	27 658	0,0	0,0	-516	-1,8%
up to 3 years	113 394	1 620	111 774	0,0	0,0	-1 620	-1,4%
Past-due	1 156	1 158	2 225	1,0	0,0	1 069	92,5%
residents	1 156	1 158	2 225	1,0	0,0	1 069	92,5%
Provision for impairment of corporate loans	-2 426	44	-2 409	0,0	0,0	17	-0,7%
residents	-2 426	44	-2 409	0,0	0,0	17	-0,7%
Loans to private entrepreneurs	35 448	969	35 365	0,0	0,0	-83	-0,2%
up to 3 years	15 138	369	14 769	0,0	0,0	-369	-2,4%
more than 3 years	24 519	600	23 919	0,0	0,0	-600	-2,4%
Past-due	1 829	714	2 543	0,4	0,0	714	39,0%
Provision for impairment of loans to private entrepreneurs	-6 038	172	-5 866	0,0	0,0	172	-2,8%
Loans to individuals	42 451	44 843	78 720	1,1	0,1	36 269	85,4%
Standard	42 773	42 000	79 448	1,0	0,1	36 675	85,7%
up to 3 years	3 804	274	3 530	0,1	0,0	-274	-7,2%
more than 3 years	38 969	42 000	75 918	1,1	0,1	36 949	94,8%
Past-due	329	28	333	0,1	0,0	4	1,2%
Past-due	329	28	333	0,1	0,0	4	1,2%
Provision for impairment of loans to individuals	-651	3 225	-1 061	5,0	0,0	-410	63,0%
Provision for impairment of loans past-due	-1 025	261	-1 258	0,3	0,0	-233	22,7%
Other assets	133 648	187 677	9 486	1,4	0,6	-124 162	-92,9%
Mandatory reserves with Central Bank	4 165	95	4 071	0,0	0,0	-94	-2,3%
Premises and equipment	36 519	36 637	36 249	1,0	0,1	-270	-0,7%
Purchase cost	45 363	36 373	44 708	0,8	0,1	-655	-1,4%
Depreciation	-8 844	649	-8 459	0,1	0,0	385	-4,4%
Accrued interest not yet received	-	262	-	-	-	-	-
Assets under management	47 776	82	47 694	0,0	0,0	-82	-0,2%
Other assets	58 276	39 375	45 639	0,7	0,1	-12 637	-21,7%
Provision for impairment of other assets	-13 088	111 226	-124 167	8,5	0,4	-111 079	848,7%
LIABILITIES	398 995	380 925	383 305	1,0	1,2	-15 690	-3,9%
Dues to banks	8 414	63 785	1 960	7,6	0,2	-6 454	-76,7%
Other dues to banks	8 414	63 785	1 960	7,6	0,2	-6 454	-76,7%
On demand	26 209	237 381	19 077	9,1	0,8	-7 132	-27,2%
Corporate clients	9 863	140 212	3 342	14,2	0,5	-6 521	-66,1%
State-owned enterprises	110	277	2	2,5	0,0	-108	-98,2%
Residents	9 753	139 926	3 340	14,3	0,5	-6 413	-65,8%
Non-residents	-	9	-	-	-	-	-
Individuals	16 346	97 169	15 735	5,9	0,3	-611	-3,7%
Residents	16 343	97 152	15 735	5,9	0,3	-608	-3,7%
Non-residents	3	17	-	5,7	0,0	-3	-100,0%
Term	356 236	54 399	358 245	0,2	0,2	2 009	0,6%
Corporate clients	68 337	10 300	58 037	0,2	0,0	-10 300	-15,1%
Residents	68 337	10 300	58 037	0,2	0,0	-10 300	-15,1%
up to 30 days	37	-	37	0,0	0,0	-	0,0%
up to 180 days	3 900	3 900	-	1,0	0,0	-3 900	-100,0%
up to 1 year	6 400	6 400	-	1,0	0,0	-6 400	-100,0%
more than 3 years	58 000	-	58 000	0,0	0,0	-	0,0%
Individuals	287 899	54 399	300 208	0,2	0,2	12 309	4,3%
residents	287 849	54 399	300 158	0,2	0,2	12 309	4,3%
up to 1 year	23 249	17 700	39 957	0,8	0,1	16 708	71,9%
up to 3 years	212 773	38 535	181 907	0,2	0,1	-30 866	-14,5%
more than 3 years	51 827	29 030	78 294	0,6	0,1	26 467	51,1%
non-residents	50	-	50	0,0	0,0	-	0,0%
more than 3 years	50	-	50	0,0	0,0	-	0,0%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-	-
Other liabilities	8 136	27 369	4 023	3,4	0,1	-4 113	-50,6%
Other liabilities	5 772	26 922	897	4,7	0,1	-4 875	-84,5%
Accrued interest not yet paid	2 364	1 209	3 126	0,5	0,0	762	32,2%
EQUITY	61 322	148 074	-76 541	2,4	0,5	-137 863	-224,8%
Capital	10 732	-	10 732	0,0	0,0	-	0,0%
Profit from previous years	40 947	-	40 947	0,0	0,0	-	0,0%
Retained earnings from previous years	40 947	-	40 947	0,0	0,0	-	0,0%
Current year profit	10 268	148 056	-127 642	14,4	0,5	-137 910	-1 343,1%
Current year retained earnings	10 268	148 056	-127 642	14,4	0,5	-137 910	-1 343,1%
Future expenses	-625	65	-578	0,1	0,0	47	-7,5%
OFF-BALANCE SHEET	344 599	46 607	384 097	0,1	0,2	39 498	11,5%
Contingent liabilities	-664	905	-669	1,4	0,0	-5	0,8%
Unused credit limits opened	-664	905	-669	1,4	0,0	-5	0,8%
Collateral on loans	345 191	45 700	384 476	0,1	0,1	39 285	11,4%
goods	345 191	45 700	384 476	0,1	0,1	39 285	11,4%
Other off-balance sheet accounts	72	220	290	3,1	0,0	218	302,8%
Accrued interest not yet received	72	220	290	3,1	0,0	218	302,8%
Past due ratio, total	146	-	194	0,0	0,0	48	32,9%
Past due ratio, individuals	76	-	42	0,0	0,0	-34	-44,7%
Past due ratio, corporates	81	-	157	0,0	0,0	76	93,8%
Past due ratio, entrepreneurs	441	-	617	0,0	0,0	176	39,9%
Past due ratio, corporates + entrepreneurs	162	-	261	0,0	0,0	99	61,1%

You can also get acquainted with balance sheet aggregation methodics.