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Central Bank of Russia registration number: 2742

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs
• Financial analysis by 69-T
• Deposit rates by 3194-U
• Financial position

On this page you can see brief analysis of bank's financial and solvency ratios and their dynamics. Data is presented as disclosed by bank itself. This page is currently under construction.

Net assets

Report date	1 November 2011	1 December 2011	1 January 2012	1 February 2012	1 March 2012	1 April 2012	Change
Net assets	2 412 186	2 432 218	2 681 863	2 619 702	2 314 865	1 934 122	-478 064
Increase	-	+0,8%	+10,3%	-2,3%	-11,6%	-16,4%	-19,8%

For the period under examination bank demonstrated net assets contraction for-19,8%, but at some report dates net assets grew.

Mandatory ratios

Report date	1 November 2011	1 December 2011	1 January 2012	1 February 2012	1 March 2012	1 April 2012	Change
N1 no less than 8%	35,80%	32,70%	41,80%	39,84%	34,95%	25,87%	-9,93%
N2 no less than 15%	79,37%	78,37%	57,37%	24,07%	20,79%	3,26%	-76,11%
N3 no less than 50%	70,39%	67,73%	54,38%	80,03%	75,72%	2,91%	-67,48%
N4 no greater than 120%	18,11%	16,12%	0,89%	2,24%	5,69%	6,50%	-11,61%

For the period under examination capital adequacy ratio (N1) contracted by9,93%, capital adequacy ratio (under Russian Accounting Standards) is currently on very high level. For the period under examination quick liquidity ratio (N2) contracted by76,11%, highly liquid assets level is insufficient. For the period under examination current liquidity ratio (N3) contracted by67,48%, liquid assets level is insufficient. For the period under examination long-term liquidity ratio (N4) contracted by11,61%, long-term assets level is significantly less than allowed.

According to available data during the last 6 months the bank violated Central Bank's mandatory ratios 26 time. Find detailed information on violations below.

Violations of mandatory ratios

7 March 2012 - ratio vaiolated Н2, value 12.93%, acceptable value 15%.
11 March 2012 - ratio vaiolated Н2, value 12.48%, acceptable value 15%.
12 March 2012 - ratio vaiolated Н2, value 11.65%, acceptable value 15%.
13 March 2012 - ratio vaiolated Н2, value 11.22%, acceptable value 15%.
14 March 2012 - ratio vaiolated Н2, value 11.61%, acceptable value 15%.
15 March 2012 - ratio vaiolated Н2, value 12.12%, acceptable value 15%.
16 March 2012 - ratio vaiolated Н2, value 10.49%, acceptable value 15%.
19 March 2012 - ratio vaiolated Н2, value 9.06%, acceptable value 15%.
20 March 2012 - ratio vaiolated Н2, value 9.6%, acceptable value 15%.
21 March 2012 - ratio vaiolated Н2, value 10.18%, acceptable value 15%.
22 March 2012 - ratio vaiolated Н2, value 9.68%, acceptable value 15%.
23 March 2012 - ratio vaiolated Н2, value 8.85%, acceptable value 15%.
26 March 2012 - ratio vaiolated Н2, value 6.95%, acceptable value 15%.
27 March 2012 - ratio vaiolated Н2, value 4.4%, acceptable value 15%.
28 March 2012 - ratio vaiolated Н2, value 3.58%, acceptable value 15%.
29 March 2012 - ratio vaiolated Н2, value 3.35%, acceptable value 15%.
30 March 2012 - ratio vaiolated Н2, value 3.26%, acceptable value 15%.
20 March 2012 - ratio vaiolated Н3, value 8.12%, acceptable value 50%.
21 March 2012 - ratio vaiolated Н3, value 8.51%, acceptable value 50%.
22 March 2012 - ratio vaiolated Н3, value 8.3%, acceptable value 50%.
23 March 2012 - ratio vaiolated Н3, value 7.67%, acceptable value 50%.
26 March 2012 - ratio vaiolated Н3, value 6.12%, acceptable value 50%.
27 March 2012 - ratio vaiolated Н3, value 3.9%, acceptable value 50%.
28 March 2012 - ratio vaiolated Н3, value 3.19%, acceptable value 50%.
29 March 2012 - ratio vaiolated Н3, value 2.98%, acceptable value 50%.
30 March 2012 - ratio vaiolated Н3, value 2.9%, acceptable value 50%.

Number of violations by month

Ratio	November 2011	December 2011	January 2012	February 2012	March 2012
N1	-	-	-	-	-
N2	-	-	-	-	17
N3	-	-	-	-	9
N4	-	-	-	-	-

Interbank loans market operatios

During the last 6 months the bank exceeded contract terms (loans became past-due) of principal or interest on interbank loans fromresident banks.

Past-due amount, thous. rub., status at month's end	November 2011	December 2011	January 2012	February 2012	March 2012	April 2012
resident banks	-	-	-	-	124 000 liquidated	-