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Central Bank of Russia registration number: 2699

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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.	01.01.2014	>> Turnover >>	01.02.2014 01.01.2014 01.12.2013 01.11.2013 01.10.2013 01.09.2013 01.08.2013 01.07.2013 01.06.2013 01.05.2013 01.04.2013 01.03.2013 01.02.2013 01.01.2013 01.12.2012 01.11.2012 01.10.2012 01.09.2012 01.08.2012 01.07.2012 01.06.2012 01.05.2012 01.04.2012 01.03.2012 01.02.2012 01.01.2012 01.12.2011 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	Turnover / amount	Turnover / assets	Period change
ASSETS	747 066	1 347 548	679 201	1,8	2,0	-67 865	-9,1%
High liquid assets	247 142	1 276 729	188 904	5,2	1,9	-58 238	-23,6%
Cash and equivalents	196 519	1 029 854	157 461	5,2	1,5	-39 058	-19,9%
Cash	114 516	528 603	65 537	4,6	0,8	-48 979	-42,8%
in cash and en route	107 917	514 440	65 537	4,8	0,8	-42 380	-39,3%
in ATMs	6 599	14 163	-	2,1	0,0	-6 599	-100,0%
Nostro account with Central Bank	82 003	511 172	91 924	6,2	0,8	9 921	12,1%
Nostro accounts	49 572	51 750	1 443	1,0	0,1	-48 129	-97,1%
Non-residents	50	50	-	1,0	0,0	-50	-100,0%
Residents	49 522	51 700	1 443	1,0	0,1	-48 079	-97,1%
Money in transfer	1 051	224 074	30 000	213,2	0,3	28 949	2 754,4%
Interest-earning assets	459 360	39 668	454 486	0,1	0,1	-4 874	-1,1%
Dues from banks	523	45	564	0,1	0,0	41	7,8%
Residents	523	45	564	0,1	0,0	41	7,8%
up to 30 days	523	45	564	0,1	0,0	41	7,8%
Securities	29 795	255	30 044	0,0	0,0	249	0,8%
Promissory notes	29 733	255	29 985	0,0	0,0	252	0,8%
Banks	30 033	255	30 288	0,0	0,0	255	0,8%
Provision for impairment of promissory notes	-300	3	-303	0,0	0,0	-3	1,0%
Stocks	62	3	59	0,0	0,0	-3	-4,8%
Residents	115	-	115	0,0	0,0	-	0,0%
Valuation allowance	-53	3	-56	0,1	0,0	-3	5,7%
Loans to corporate clients	403 778	18 971	399 964	0,0	0,0	-3 814	-0,9%
residents	417 911	18 145	413 997	0,0	0,0	-3 914	-0,9%
up to 30 days	-	14 228	-	-	-	-	-
up to 1 year	334 800	103	334 700	0,0	0,0	-100	-0,0%
up to 3 years	83 111	3 814	79 297	0,0	0,0	-3 814	-4,6%
Past-due	6 654	58	6 654	0,0	0,0	-	0,0%
residents	6 654	58	6 654	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-20 787	768	-20 687	0,0	0,0	100	-0,5%
residents	-20 787	768	-20 687	0,0	0,0	100	-0,5%
Loans to individuals	25 264	20 687	23 914	0,8	0,0	-1 350	-5,3%
Standard	34 225	10 511	32 166	0,3	0,0	-2 059	-6,0%
up to 30 days	-	650	650	-	-	650	-
up to 1 year	4 395	3 917	3 938	0,9	0,0	-457	-10,4%
up to 3 years	22 788	5 161	20 710	0,2	0,0	-2 078	-9,1%
more than 3 years	7 042	1 433	6 868	0,2	0,0	-174	-2,5%
Past-due	2 437	753	2 713	0,3	0,0	276	11,3%
Past-due	2 437	753	2 713	0,3	0,0	276	11,3%
Provision for impairment of loans to individuals	-11 398	10 322	-10 965	0,9	0,0	433	-3,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	40 564	31 151	35 811	0,8	0,0	-4 753	-11,7%
Mandatory reserves with Central Bank	23 040	4 688	18 352	0,2	0,0	-4 688	-20,3%
Premises and equipment	15 170	462	14 829	0,0	0,0	-341	-2,2%
Purchase cost	25 579	121	25 590	0,0	0,0	11	0,0%
Depreciation	-10 409	352	-10 761	0,0	0,0	-352	3,4%
Accrued interest not yet received	146	6 991	124	47,9	0,0	-22	-15,1%
Other assets	2 999	18 981	3 732	6,3	0,0	733	24,4%
Provision for impairment of other assets	-791	762	-1 226	1,0	0,0	-435	55,0%
LIABILITIES	552 140	907 960	491 431	1,6	1,3	-60 709	-11,0%
Dues to banks	-	184 609	6 857	-	-	6 857	-
Other dues to banks	-	184 609	6 857	-	-	6 857	-
On demand	109 028	589 047	89 740	5,4	0,9	-19 288	-17,7%
Corporate clients	93 442	549 680	88 074	5,9	0,8	-5 368	-5,7%
Residents	93 429	549 592	88 061	5,9	0,8	-5 368	-5,7%
Non-residents	13	88	13	6,8	0,0	-	0,0%
Individuals	15 586	39 367	1 666	2,5	0,1	-13 920	-89,3%
Residents	15 487	39 156	1 636	2,5	0,1	-13 851	-89,4%
Non-residents	99	211	30	2,1	0,0	-69	-69,7%
Term	422 392	75 333	391 023	0,2	0,1	-31 369	-7,4%
Corporate clients	25 000	10 000	15 000	0,4	0,0	-10 000	-40,0%
Residents	10 000	10 000	-	1,0	0,0	-10 000	-100,0%
up to 1 year	10 000	10 000	-	1,0	0,0	-10 000	-100,0%
Non-residents	15 000	-	15 000	0,0	0,0	-	0,0%
more than 3 years	15 000	-	15 000	0,0	0,0	-	0,0%
Individuals	397 392	65 333	376 023	0,2	0,1	-21 369	-5,4%
residents	394 433	64 158	374 020	0,2	0,1	-20 413	-5,2%
up to 30 days	10 194	12 721	7 480	1,2	0,0	-2 714	-26,6%
up to 180 days	13 672	6 175	10 137	0,5	0,0	-3 535	-25,9%
up to 1 year	2 257	811	2 257	0,4	0,0	-	0,0%
up to 3 years	364 280	44 451	350 116	0,1	0,1	-14 164	-3,9%
more than 3 years	4 030	-	4 030	0,0	0,0	-	0,0%
non-residents	2 959	1 175	2 003	0,4	0,0	-956	-32,3%
up to 3 years	2 959	1 175	2 003	0,4	0,0	-956	-32,3%
Securities issued	18 372	21 804	-	1,2	0,0	-18 372	-100,0%
Promissory notes	18 372	21 804	-	1,2	0,0	-18 372	-100,0%
on demand	5 834	9 215	-	1,6	0,0	-5 834	-100,0%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
more than 3 years	12 538	12 589	-	1,0	0,0	-12 538	-100,0%
Other liabilities	2 348	45 487	3 811	19,4	0,1	1 463	62,3%
Other liabilities	958	41 602	2 756	43,4	0,1	1 798	187,7%
Accrued interest not yet paid	1 390	4 220	1 055	3,0	0,0	-335	-24,1%
EQUITY	194 926	1 127 104	187 770	5,8	1,7	-7 156	-3,7%
Capital	166 321	36 645	166 321	0,2	0,1	-	0,0%
Profit from previous years	24 391	533 915	32 598	21,9	0,8	8 207	33,6%
Retained earnings from previous years	24 391	533 915	32 598	21,9	0,8	8 207	33,6%
Current year profit	8 804	563 777	-6 564	64,0	0,8	-15 368	-174,6%
Current year retained earnings	8 804	563 777	-6 564	64,0	0,8	-15 368	-174,6%
Future expenses	-4 590	979	-4 585	0,2	0,0	5	-0,1%
OFF-BALANCE SHEET	413 642	32 757	395 450	0,1	0,0	-18 192	-4,4%
Contingent liabilities	-5 627	17 228	-7 870	3,1	0,0	-2 243	39,9%
Guarantees issued	-2 127	757	-1 370	0,4	0,0	757	-35,6%
Unused credit limits opened	-3 500	17 228	-6 500	4,9	0,0	-3 000	85,7%
Collateral on loans	424 688	17 060	408 412	0,0	0,0	-16 276	-3,8%
goods	424 688	17 060	408 412	0,0	0,0	-16 276	-3,8%
securities	-	-	-	-	-	-	-
Other off-balance sheet accounts	-5 419	712	-5 092	0,1	0,0	327	-6,0%
Accrued interest not yet received	4 224	656	4 601	0,2	0,0	377	8,9%
Written-off interest	-6 722	54	-6 770	0,0	0,0	-48	0,7%
Written-off loans	-2 921	2	-2 923	0,0	0,0	-2	0,1%
Credit card balances	-	650	650	-	-	650	-
Past due ratio, total	197	-	206	0,0	0,0	9	4,6%
Past due ratio, individuals	665	-	778	0,0	0,0	113	17,0%
Past due ratio, corporates	157	-	158	0,0	0,0	1	0,6%
Past due ratio, corporates + entrepreneurs	157	-	158	0,0	0,0	1	0,6%
Risk-weighted assets	-	-	556 307	-	-	556 307	-

You can also get acquainted with balance sheet aggregation methodics.