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Central Bank of Russia registration number: 119

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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.	01.12.2008 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.	01.12.2008 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	3 647 674	3 285 860	361 814	1 813 883	1 797 227	16 656	-1 488 633	-345 158
High liquid assets	258 921	207 883	51 038	22 661	17 481	5 180	-190 402	-45 858
Cash and equivalents	234 361	199 100	35 261	14 640	13 227	1 413	-185 873	-33 848
Cash	163 414	128 153	35 261	12 341	10 928	1 413	-117 225	-33 848
in cash and en route	121 996	88 814	33 182	12 341	10 928	1 413	-77 886	-31 769
in exchange offices	4 165	2 658	1 507	-	-	-	-2 658	-1 507
in operational cash offices	1 229	745	484	-	-	-	-745	-484
in ATMs	36 024	35 936	88	-	-	-	-35 936	-88
Nostro account with Central Bank	70 947	70 947	-	2 299	2 299	-	-68 648	-
Nostro accounts	24 397	8 620	15 777	8 021	4 254	3 767	-4 366	-12 010
Non-residents	1 951	-	1 951	2 443	-	2 443	-	492
Residents	22 446	8 620	13 826	5 578	4 254	1 324	-4 366	-12 502
Money in transfer	163	163	-	-	-	-	-163	-
Interest-earning assets	3 022 807	2 819 200	203 607	1 670 446	1 659 017	11 429	-1 160 183	-192 178
Dues from banks	164 861	13 600	151 261	5 024	-	5 024	-13 600	-146 237
Residents	160 030	13 600	146 430	-	-	-	-13 600	-146 430
up to 30 days	160 030	13 600	146 430	-	-	-	-13 600	-146 430
Non-residents	4 831	-	4 831	5 024	-	5 024	-	193
more than 180 days	4 831	-	4 831	5 024	-	5 024	-	193
Loans past-due	10 036	10 036	-	10 036	10 036	-	-	-
residents	10 036	10 036	-	10 036	10 036	-	-	-
Provision for impairment of loans to banks	-10 036	-10 036	-	-10 036	-10 036	-	-	-
Securities	544 515	515 167	29 348	512 604	512 604	-	-2 563	-29 348
Bonds	230 473	201 125	29 348	26 264	26 264	-	-174 861	-29 348
Federal Loan Bonds (OFZs), OBRs	178 138	148 790	29 348	5 087	5 087	-	-143 703	-29 348
Corporate bonds	31 368	31 368	-	3 614	3 614	-	-27 754	-
Financial institutions bonds	44 275	44 275	-	18 350	18 350	-	-25 925	-
Valuation allowance	-23 308	-23 308	-	-787	-787	-	22 521	-
Promissory notes	314 042	314 042	-	486 340	486 340	-	172 298	-
Corporate	317 213	317 213	-	674 544	674 544	-	357 331	-
Banks	60 948	60 948	-	4 832	4 832	-	-56 116	-
Provision for impairment of promissory notes	-64 119	-64 119	-	-193 036	-193 036	-	-128 917	-
Loans to corporate clients	2 206 799	2 206 799	-	1 125 994	1 125 994	-	-1 080 805	-
residents	2 479 236	2 479 236	-	1 412 004	1 412 004	-	-1 067 232	-
up to 30 days	573 429	573 429	-	68 264	68 264	-	-505 165	-
up to 180 days	79 115	79 115	-	106 864	106 864	-	27 749	-
up to 1 year	1 031 530	1 031 530	-	718 643	718 643	-	-312 887	-
up to 3 years	795 162	795 162	-	518 233	518 233	-	-276 929	-
Past-due	26 042	26 042	-	21 477	21 477	-	-4 565	-
residents	26 042	26 042	-	21 477	21 477	-	-4 565	-
Provision for impairment of corporate loans	-298 479	-298 479	-	-307 487	-307 487	-	-9 008	-
residents	-298 479	-298 479	-	-307 487	-307 487	-	-9 008	-
Loans to private entrepreneurs	29 480	29 324	156	9 452	9 290	162	-20 034	6
up to 1 year	25 037	25 037	-	7 717	7 717	-	-17 320	-
up to 3 years	4 201	4 201	-	1 509	1 509	-	-2 692	-
Past-due	1 072	916	156	1 056	894	162	-22	6
Provision for impairment of loans to private entrepreneurs	-830	-830	-	-830	-830	-	-	-
Loans to individuals	96 332	73 490	22 842	36 041	29 798	6 243	-43 692	-16 599
Standard	130 260	107 418	22 842	45 257	39 014	6 243	-68 404	-16 599
up to 30 days	2 891	2 830	61	3 535	3 459	76	629	15
up to 180 days	7 848	7 848	-	9 243	9 243	-	1 395	-
up to 1 year	42 967	41 375	1 592	23 076	21 420	1 656	-19 955	64
up to 3 years	56 820	36 856	19 964	4 595	837	3 758	-36 019	-16 206
more than 3 years	19 734	18 509	1 225	4 808	4 055	753	-14 454	-472
Past-due	1 677	1 677	-	961	961	-	-716	-
Past-due	1 677	1 677	-	961	961	-	-716	-
Provision for impairment of loans to individuals	-35 605	-35 605	-	-10 177	-10 177	-	25 428	-
Provision for impairment of loans past-due	-19 180	-19 180	-	-18 669	-18 669	-	511	-
Other assets	365 946	258 777	107 169	120 776	120 729	47	-138 048	-107 122
Mandatory reserves with Central Bank	4 521	4 521	-	4 228	4 228	-	-293	-
Premises and equipment	125 337	125 337	-	125 016	125 016	-	-321	-
Purchase cost	140 454	140 454	-	140 671	140 671	-	217	-
Depreciation	-15 117	-15 117	-	-15 655	-15 655	-	-538	-
Accrued interest not yet received	1 645	1 606	39	1 146	1 099	47	-507	8
Other assets	248 827	141 697	107 130	94 327	94 327	-	-47 370	-107 130
Investments in subsidiaries	76	76	-	76	76	-	-	-
Provision for impairment of other assets	-14 460	-14 460	-	-104 017	-104 017	-	-89 557	-
LIABILITIES	3 120 167	2 752 036	368 131	1 479 328	1 427 702	51 626	-1 324 334	-316 505
Dues to banks	197 087	183 815	13 272	8	8	-	-183 807	-13 272
On demand	15	15	-	8	8	-	-7	-
Residents	15	15	-	8	8	-	-7	-
Term	197 072	183 800	13 272	-	-	-	-183 800	-13 272
Residents	197 072	183 800	13 272	-	-	-	-183 800	-13 272
up to 30 days	197 072	183 800	13 272	-	-	-	-183 800	-13 272
On demand	2 019 959	1 820 513	199 446	686 226	645 811	40 415	-1 174 702	-159 031
Corporate clients	1 726 657	1 625 488	101 169	439 000	410 938	28 062	-1 214 550	-73 107
State-owned enterprises	56 153	56 144	9	216	207	9	-55 937	-
Residents	1 547 239	1 508 947	38 292	438 042	410 077	27 965	-1 098 870	-10 327
Non-residents	123 265	60 397	62 868	742	654	88	-59 743	-62 780
Individuals	288 238	189 961	98 277	247 019	234 666	12 353	44 705	-85 924
Residents	284 907	187 509	97 398	244 460	232 729	11 731	45 220	-85 667
Non-residents	3 331	2 452	879	2 559	1 937	622	-515	-257
Brokerage accounts	5 064	5 064	-	207	207	-	-4 857	-
Residents	5 064	5 064	-	207	207	-	-4 857	-
Term	582 811	535 630	47 181	272 014	262 145	9 869	-273 485	-37 312
Corporate clients	18 029	18 004	25	30	4	26	-18 000	1
Residents	18 004	18 004	-	4	4	-	-18 000	-
up to 30 days	4	4	-	4	4	-	-	-
up to 180 days	10 000	10 000	-	-	-	-	-10 000	-
up to 3 years	8 000	8 000	-	-	-	-	-8 000	-
Non-residents	25	-	25	26	-	26	-	1
up to 30 days	25	-	25	26	-	26	-	1
Individuals	564 782	517 626	47 156	271 984	262 141	9 843	-255 485	-37 313
residents	505 855	480 355	25 500	269 569	259 808	9 761	-220 547	-15 739
up to 30 days	2 038	977	1 061	6 518	5 436	1 082	4 459	21
up to 180 days	5 846	5 846	-	5 723	5 723	-	-123	-
up to 1 year	403 242	383 767	19 475	200 191	192 982	7 209	-190 785	-12 266
up to 3 years	94 554	89 765	4 789	57 137	55 667	1 470	-34 098	-3 319
more than 3 years	175	-	175	-	-	-	-	-175
non-residents	58 927	37 271	21 656	2 415	2 333	82	-34 938	-21 574
up to 30 days	141	62	79	144	62	82	-	3
up to 1 year	58 431	36 854	21 577	1 916	1 916	-	-34 938	-21 577
up to 3 years	355	355	-	355	355	-	-	-
Securities issued	46 225	46 225	-	2 094	2 094	-	-44 131	-
Promissory notes	46 225	46 225	-	2 094	2 094	-	-44 131	-
up to 30 days	4 158	4 158	-	-	-	-	-4 158	-
up to 180 days	500	500	-	900	900	-	400	-
more than 180 days	43 200	43 200	-	1 200	1 200	-	-42 000	-
Discount accrued	-1 633	-1 633	-	-6	-6	-	1 627	-
Other liabilities	274 085	165 853	108 232	518 986	517 644	1 342	351 791	-106 890
Other liabilities	249 788	142 723	107 065	6 127	5 156	971	-137 567	-106 094
Accrued interest not yet paid	24 297	23 130	1 167	17 877	17 506	371	-5 624	-796
Liabilities past-due	-	-	-	494 982	494 982	-	494 982	-
EQUITY	527 507	527 524	-17	334 555	334 564	-9	-192 960	8
Capital	518 752	518 752	-	525 000	525 000	-	6 248	-
Profit from previous years	19 779	19 779	-	19 779	19 779	-	-	-
Retained earnings from previous years	19 779	19 779	-	19 779	19 779	-	-	-
Current year profit	3 709	3 709	-	-197 410	-197 410	-	-201 119	-
Current year retained earnings	3 709	3 709	-	-197 410	-197 410	-	-201 119	-
Future expenses	-14 733	-14 716	-17	-12 814	-12 805	-9	1 911	8
OFF-BALANCE SHEET	1 397 929	1 401 957	-4 028	858 465	861 207	-2 742	-540 750	1 286
Contingent liabilities	-205 334	-201 246	-4 088	-133 136	-130 301	-2 835	70 945	1 253
Guarantees issued	-130 587	-127 959	-2 628	-131 545	-128 812	-2 733	-853	-105
Unused credit limits opened	-74 747	-73 287	-1 460	-1 591	-1 489	-102	71 798	1 358
Collateral on loans	1 605 017	1 605 017	-	987 948	987 948	-	-617 069	-
goods	1 404 917	1 404 917	-	853 448	853 448	-	-551 469	-
securities	200 100	200 100	-	134 500	134 500	-	-65 600	-
Other off-balance sheet accounts	-1 754	-1 814	60	3 653	3 560	93	5 374	33
Accrued interest not yet received	4 862	4 802	60	10 269	10 176	93	5 374	33
Written-off interest	-10	-10	-	-10	-10	-	-	-
Written-off loans to banks	-3 470	-3 470	-	-3 470	-3 470	-	-	-
Written-off loans	-3 136	-3 136	-	-3 136	-3 136	-	-	-
Credit card balances	2 891	2 830	61	3 535	3 459	76	629	15
Past due ratio, total	108	108	-0	158	157	1	49	1
Past due ratio, individuals	127	154	-27	208	240	-32	87	-6
Past due ratio, corporates	104	104	0	150	150	0	46	0
Past due ratio, entrepreneurs	354	304	50	1 027	883	144	580	93
Past due ratio, corporates + entrepreneurs	107	106	1	156	155	1	49	0
Past-due rate:	1,08%	1,08%	0,68%	1,58%	1,57%	2,53%	0,49%	1,85%
corporate clients:	1,07%	1,06%	100,00%	1,56%	1,55%	100,00%	0,49%	0,00%
individuals:	1,27%	1,54%	0,00%	2,08%	2,40%	0,00%	0,87%	0,00%

You can also get acquainted with balance sheet aggregation methodics.