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Central Bank of Russia registration number: 2535

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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.	01.10.2010	>> Turnover >>	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	Turnover / amount	Turnover / assets	Period change
ASSETS	3 485 752	6 743 745	2 064 936	1,9	3,3	-1 420 816	-40,8%
High liquid assets	689 193	2 808 260	748 466	4,1	1,4	59 273	8,6%
Cash and equivalents	678 872	2 514 738	584 304	3,7	1,2	-94 568	-13,9%
Cash	659 041	808 705	579 702	1,2	0,4	-79 339	-12,0%
in cash and en route	645 968	761 319	577 328	1,2	0,4	-68 640	-10,6%
in ATMs	13 073	47 386	2 374	3,6	0,0	-10 699	-81,8%
Nostro account with Central Bank	19 831	1 706 033	4 602	86,0	0,8	-15 229	-76,8%
Nostro accounts	9 879	367 973	164 074	37,2	0,2	154 195	1 560,8%
Residents	9 879	367 973	164 074	37,2	0,2	154 195	1 560,8%
Money in transfer	1 285	19 671	1 204	15,3	0,0	-81	-6,3%
Provision for impairment of high-liquid assets	-843	800	-1 116	0,9	0,0	-273	32,4%
Interest-earning assets	1 919 337	1 446 692	898 825	0,8	0,7	-1 020 512	-53,2%
Dues from banks	139 441	260 845	1 980	1,9	0,1	-137 461	-98,6%
Residents	140 850	260 200	2 000	1,8	0,1	-138 850	-98,6%
up to 30 days	140 850	260 200	2 000	1,8	0,1	-138 850	-98,6%
Provision for impairment of loans to banks	-1 409	2 034	-20	1,4	0,0	1 389	-98,6%
Securities	44 160	209 576	61 640	4,7	0,1	17 480	39,6%
Bonds	18 866	18 866	-	1,0	0,0	-18 866	-100,0%
Federal Loan Bonds (OFZs), OBRs	-	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-	-
Pledged under REPO	18 866	18 866	-	1,0	0,0	-18 866	-100,0%
Promissory notes	25 294	209 576	61 640	8,3	0,1	36 346	143,7%
Corporate	6 687	67	6 754	0,0	0,0	67	1,0%
Banks	18 674	209 509	55 509	11,2	0,1	36 835	197,3%
Provision for impairment of promissory notes	-67	556	-623	8,3	0,0	-556	829,9%
Loans to corporate clients	1 297 501	704 120	640 031	0,5	0,3	-657 470	-50,7%
residents	1 299 864	691 580	639 247	0,5	0,3	-660 617	-50,8%
up to 30 days	28 975	14 621	18 067	0,5	0,0	-10 908	-37,6%
up to 180 days	7 800	7 800	-	1,0	0,0	-7 800	-100,0%
up to 1 year	708 338	368 916	366 422	0,5	0,2	-341 916	-48,3%
up to 3 years	554 751	300 243	254 758	0,5	0,1	-299 993	-54,1%
state-owned enterprises	7 000	7 000	-	1,0	0,0	-7 000	-100,0%
up to 3 years	7 000	7 000	-	1,0	0,0	-7 000	-100,0%
Past-due	1 852	4 519	4 519	2,4	0,0	2 667	144,0%
residents	1 852	4 519	4 519	2,4	0,0	2 667	144,0%
Provision for impairment of corporate loans	-11 215	11 168	-3 735	1,0	0,0	7 480	-66,7%
residents	-11 215	11 168	-3 735	1,0	0,0	7 480	-66,7%
Loans to private entrepreneurs	22 186	18 696	4 003	0,8	0,0	-18 183	-82,0%
up to 30 days	287	459	368	1,6	0,0	81	28,2%
up to 1 year	881	238	643	0,3	0,0	-238	-27,0%
up to 3 years	21 218	18 080	3 138	0,9	0,0	-18 080	-85,2%
Past-due	-	50	50	-	-	50	-
Provision for impairment of loans to private entrepreneurs	-200	4	-196	0,0	0,0	4	-2,0%
Loans to individuals	417 408	269 216	194 237	0,6	0,1	-223 171	-53,5%
Standard	418 486	266 515	197 147	0,6	0,1	-221 339	-52,9%
up to 30 days	8 312	2 869	6 897	0,3	0,0	-1 415	-17,0%
up to 180 days	25 151	10 011	15 352	0,4	0,0	-9 799	-39,0%
up to 1 year	126 675	96 062	33 113	0,8	0,0	-93 562	-73,9%
up to 3 years	111 170	91 115	25 455	0,8	0,0	-85 715	-77,1%
more than 3 years	147 178	66 458	116 330	0,5	0,0	-30 848	-21,0%
Past-due	5 787	375	6 059	0,1	0,0	272	4,7%
Past-due	5 787	375	6 059	0,1	0,0	272	4,7%
Provision for impairment of loans to individuals	-6 865	2 598	-8 969	0,4	0,0	-2 104	30,6%
Provision for impairment of loans past-due	-1 359	1 719	-3 066	1,3	0,0	-1 707	125,6%
Other assets	877 222	2 548 066	417 645	2,9	1,2	-459 577	-52,4%
Mandatory reserves with Central Bank	19 350	23 390	42 740	1,2	0,0	23 390	120,9%
Premises and equipment	343 945	431 795	346 220	1,3	0,2	2 275	0,7%
Purchase cost	381 866	431 355	385 770	1,1	0,2	3 904	1,0%
Depreciation	-37 921	2 069	-39 550	0,1	0,0	-1 629	4,3%
Accrued interest not yet received	39 465	47 901	10 524	1,2	0,0	-28 941	-73,3%
Other assets	477 701	2 057 277	21 506	4,3	1,0	-456 195	-95,5%
Provision for impairment of other assets	-3 239	13 368	-3 345	4,1	0,0	-106	3,3%
LIABILITIES	2 954 909	6 156 041	1 533 872	2,1	3,0	-1 421 037	-48,1%
Dues to banks	221 472	553 235	17 687	2,5	0,3	-203 785	-92,0%
On demand	1 457	139 950	16 187	96,1	0,1	14 730	1 011,0%
Residents	1 457	139 950	16 187	96,1	0,1	14 730	1 011,0%
Term	220 015	428 015	1 500	1,9	0,2	-218 515	-99,3%
Residents	220 015	428 015	1 500	1,9	0,2	-218 515	-99,3%
up to 30 days	220 015	428 015	1 500	1,9	0,2	-218 515	-99,3%
On demand	1 085 559	3 090 248	324 855	2,8	1,5	-760 704	-70,1%
Corporate clients	995 146	2 379 755	230 332	2,4	1,2	-764 814	-76,9%
State-owned enterprises	120 024	20 096	100 027	0,2	0,0	-19 997	-16,7%
Residents	875 122	2 359 659	130 305	2,7	1,1	-744 817	-85,1%
Individuals	90 413	714 603	94 523	7,9	0,3	4 110	4,5%
Residents	90 413	714 603	94 523	7,9	0,3	4 110	4,5%
Term	720 674	312 033	713 931	0,4	0,2	-6 743	-0,9%
Corporate clients	168 366	83 781	135 551	0,5	0,0	-32 815	-19,5%
Residents	168 366	83 781	135 551	0,5	0,0	-32 815	-19,5%
up to 30 days	1	-	1	0,0	0,0	-	0,0%
up to 180 days	87 000	81 966	56 000	0,9	0,0	-31 000	-35,6%
up to 1 year	9 415	415	9 000	0,0	0,0	-415	-4,4%
up to 3 years	71 950	1 400	70 550	0,0	0,0	-1 400	-1,9%
Individuals	552 308	254 324	578 380	0,5	0,1	26 072	4,7%
residents	552 308	254 324	578 380	0,5	0,1	26 072	4,7%
up to 30 days	32	18	33	0,6	0,0	1	3,1%
up to 180 days	1 633	32 589	30 871	20,0	0,0	29 238	1 790,4%
up to 1 year	407 149	204 453	400 395	0,5	0,1	-6 754	-1,7%
up to 3 years	142 314	24 013	145 896	0,2	0,0	3 582	2,5%
more than 3 years	1 180	5	1 185	0,0	0,0	5	0,4%
Securities issued	915 597	1 975 542	166 843	2,2	1,0	-748 754	-81,8%
Promissory notes	915 597	1 975 542	166 843	2,2	1,0	-748 754	-81,8%
up to 30 days	-	1 025 826	7 927	-	-	7 927	-
up to 180 days	31 020	30 781	1 252	1,0	0,0	-29 768	-96,0%
more than 180 days	950 093	917 093	163 716	1,0	0,4	-786 377	-82,8%
Discount accrued	-65 516	69 233	-6 052	1,1	0,0	59 464	-90,8%
Other liabilities	11 607	523 932	310 556	45,1	0,3	298 949	2 575,6%
Other liabilities	10 290	521 548	309 295	50,7	0,3	299 005	2 905,8%
Accrued interest not yet paid	1 317	2 440	1 261	1,9	0,0	-56	-4,3%
EQUITY	530 843	60 259	531 064	0,1	0,0	221	0,0%
Capital	536 782	-	536 782	0,0	0,0	-	0,0%
Profit from previous years	1 031	-	1 031	0,0	0,0	-	0,0%
Retained earnings from previous years	1 031	-	1 031	0,0	0,0	-	0,0%
Current year profit	5 257	59 275	5 125	11,3	0,0	-132	-2,5%
Current year retained earnings	5 257	59 275	5 125	11,3	0,0	-132	-2,5%
Future expenses	-12 227	1 116	-11 874	0,1	0,0	353	-2,9%
OFF-BALANCE SHEET	1 425 735	1 529 460	203 343	1,1	0,7	-1 222 392	-85,7%
Contingent liabilities	-82 068	155 353	-53 369	1,9	0,1	28 699	-35,0%
Guarantees issued	-58 511	30 327	-28 184	0,5	0,0	30 327	-51,8%
Unused credit limits opened	-23 557	126 654	-25 185	5,4	0,1	-1 628	6,9%
Collateral on loans	1 496 250	1 370 544	247 341	0,9	0,7	-1 248 909	-83,5%
goods	842 725	825 663	136 197	1,0	0,4	-706 528	-83,8%
securities	653 525	544 881	111 144	0,8	0,3	-542 381	-83,0%
Other off-balance sheet accounts	11 553	5 745	9 371	0,5	0,0	-2 182	-18,9%
Accrued interest not yet received	12 512	5 745	10 330	0,5	0,0	-2 182	-17,4%
Written-off loans	-959	-	-959	0,0	0,0	-	0,0%
Credit card balances	8 312	2 869	6 897	0,3	0,0	-1 415	-17,0%
Past due ratio, total	44	-	125	0,0	0,0	81	184,1%
Past due ratio, individuals	136	-	298	0,0	0,0	162	119,1%
Past due ratio, corporates	14	-	70	0,0	0,0	56	400,0%
Past due ratio, entrepreneurs	-	-	119	-	-	119	-
Past due ratio, corporates + entrepreneurs	14	-	71	0,0	0,0	57	407,1%

You can also get acquainted with balance sheet aggregation methodics.