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Central Bank of Russia registration number: 1857

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Balance Profit Profitability

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.	01.01.2010	>> Turnover >>	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	251 754	909 809	170 893	3,6	5,3	-80 861	-32,1%
High liquid assets	119 684	894 688	45 698	7,5	5,2	-73 986	-61,8%
Cash and equivalents	21 577	442 782	38 029	20,5	2,6	16 452	76,2%
Cash	10 104	141 936	7 674	14,0	0,8	-2 430	-24,0%
in cash and en route	8 789	136 421	6 274	15,5	0,8	-2 515	-28,6%
in ATMs	1 315	5 600	1 400	4,3	0,0	85	6,5%
Nostro account with Central Bank	11 473	303 276	30 355	26,4	1,8	18 882	164,6%
Nostro accounts	98 217	288 144	7 669	2,9	1,7	-90 548	-92,2%
Residents	98 217	288 144	7 669	2,9	1,7	-90 548	-92,2%
Money in transfer	-	180 066	-	-	-	-	-
Provision for impairment of high-liquid assets	-110	258	-	2,3	0,0	110	-100,0%
Interest-earning assets	80 508	10 379	73 878	0,1	0,1	-6 630	-8,2%
Securities	19 221	1 468	20 336	0,1	0,0	1 115	5,8%
Bonds	9 074	271	9 345	0,0	0,0	271	3,0%
Federal Loan Bonds (OFZs), OBRs	10 223	62	10 285	0,0	0,0	62	0,6%
Valuation allowance	-1 149	209	-940	0,2	0,0	209	-18,2%
Promissory notes	-	200	-	-	-	-	-
Corporate	139	-	139	0,0	0,0	-	0,0%
Banks	-	200	-	-	-	-	-
Provision for impairment of promissory notes	-139	-	-139	0,0	0,0	-	0,0%
Stocks	10 147	997	10 991	0,1	0,0	844	8,3%
Residents	14 712	-	14 712	0,0	0,0	-	0,0%
Valuation allowance	-4 565	997	-3 721	0,2	0,0	844	-18,5%
Loans to corporate clients	20 306	3 637	17 015	0,2	0,0	-3 291	-16,2%
residents	16 342	598	15 844	0,0	0,0	-498	-3,0%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	3 700	100	3 600	0,0	0,0	-100	-2,7%
up to 1 year	212	19	193	0,1	0,0	-19	-9,0%
up to 3 years	9 767	407	9 460	0,0	0,0	-307	-3,1%
more than 3 years	2 663	72	2 591	0,0	0,0	-72	-2,7%
Past-due	4 632	246	4 878	0,1	0,0	246	5,3%
residents	4 632	246	4 878	0,1	0,0	246	5,3%
Provision for impairment of corporate loans	-668	3 039	-3 707	4,5	0,0	-3 039	454,9%
residents	-668	3 039	-3 707	4,5	0,0	-3 039	454,9%
Loans to private entrepreneurs	16 891	2 221	15 970	0,1	0,0	-921	-5,5%
up to 30 days	2 100	2 100	1 200	1,0	0,0	-900	-42,9%
up to 180 days	6 120	20	6 100	0,0	0,0	-20	-0,3%
up to 1 year	4 000	100	3 900	0,0	0,0	-100	-2,5%
up to 3 years	4 671	100	4 771	0,0	0,0	100	2,1%
Provision for impairment of loans to private entrepreneurs	-	1	-1	-	-	-1	-
Loans to individuals	28 032	2 550	26 117	0,1	0,0	-1 915	-6,8%
Standard	26 845	2 518	24 824	0,1	0,0	-2 021	-7,5%
up to 30 days	30	142	56	4,7	0,0	26	86,7%
up to 180 days	95	25	70	0,3	0,0	-25	-26,3%
up to 1 year	8 499	29	8 470	0,0	0,0	-29	-0,3%
up to 3 years	18 018	2 345	15 678	0,1	0,0	-2 340	-13,0%
more than 3 years	203	350	550	1,7	0,0	347	170,9%
Past-due	1 278	120	1 368	0,1	0,0	90	7,0%
Past-due	1 278	120	1 368	0,1	0,0	90	7,0%
Provision for impairment of loans to individuals	-91	18	-75	0,2	0,0	16	-17,6%
Provision for impairment of loans past-due	-3 942	1 618	-5 560	0,4	0,0	-1 618	41,0%
Other assets	51 562	4 742	51 317	0,1	0,0	-245	-0,5%
Mandatory reserves with Central Bank	1 169	244	1 411	0,2	0,0	242	20,7%
Premises and equipment	43 012	316	42 970	0,0	0,0	-42	-0,1%
Purchase cost	54 596	274	54 647	0,0	0,0	51	0,1%
Depreciation	-11 584	93	-11 677	0,0	0,0	-93	0,8%
Accrued interest not yet received	241	944	197	3,9	0,0	-44	-18,3%
Non-current assets	5 693	-	5 693	0,0	0,0	-	0,0%
Other assets	1 930	3 475	1 525	1,8	0,0	-405	-21,0%
Provision for impairment of other assets	-483	9	-479	0,0	0,0	4	-0,8%
LIABILITIES	189 596	616 947	111 818	3,3	3,6	-77 778	-41,0%
Dues to banks	-	26 487	9 810	-	-	9 810	-
Other dues to banks	-	26 487	9 810	-	-	9 810	-
On demand	155 792	578 328	79 914	3,7	3,4	-75 878	-48,7%
Corporate clients	141 922	564 367	72 850	4,0	3,3	-69 072	-48,7%
State-owned enterprises	3	-	3	0,0	0,0	-	0,0%
Residents	141 919	564 367	72 847	4,0	3,3	-69 072	-48,7%
Non-residents	-	-	-	-	-	-	-
Individuals	13 208	12 734	6 482	1,0	0,1	-6 726	-50,9%
Residents	13 208	12 734	6 482	1,0	0,1	-6 726	-50,9%
Brokerage accounts	662	1 227	582	1,9	0,0	-80	-12,1%
Residents	662	1 227	582	1,9	0,0	-80	-12,1%
Term	33 202	15 340	21 107	0,5	0,1	-12 095	-36,4%
Individuals	33 202	15 340	21 107	0,5	0,1	-12 095	-36,4%
residents	33 202	15 340	21 107	0,5	0,1	-12 095	-36,4%
up to 180 days	13 029	5 966	8 487	0,5	0,0	-4 542	-34,9%
up to 1 year	6 397	1 305	5 190	0,2	0,0	-1 207	-18,9%
up to 3 years	13 776	8 069	7 430	0,6	0,0	-6 346	-46,1%
Other liabilities	602	6 987	987	11,6	0,0	385	64,0%
Other liabilities	213	6 848	620	32,2	0,0	407	191,1%
Accrued interest not yet paid	389	161	367	0,4	0,0	-22	-5,7%
EQUITY	62 158	87 087	59 075	1,4	0,5	-3 083	-5,0%
Capital	59 035	999	59 879	0,0	0,0	844	1,4%
Profit from previous years	5 583	45 319	-78	8,1	0,3	-5 661	-101,4%
Retained earnings from previous years	5 583	45 319	-78	8,1	0,3	-5 661	-101,4%
Current year profit	-777	43 342	958	55,8	0,3	1 735	-223,3%
Current year retained earnings	-777	43 342	958	55,8	0,3	1 735	-223,3%
Future expenses	-1 683	6	-1 684	0,0	0,0	-1	0,1%
OFF-BALANCE SHEET	198 238	6 246	194 281	0,0	0,0	-3 957	-2,0%
Contingent liabilities	-18 888	3 143	-19 473	0,2	0,0	-585	3,1%
Unused credit limits opened	-18 888	3 143	-19 473	0,2	0,0	-585	3,1%
Collateral on loans	216 183	3 555	212 727	0,0	0,0	-3 456	-1,6%
goods	213 849	1 429	212 519	0,0	0,0	-1 330	-0,6%
securities	2 334	2 126	208	0,9	0,0	-2 126	-91,1%
Other off-balance sheet accounts	943	133	1 027	0,1	0,0	84	8,9%
Accrued interest not yet received	943	133	1 027	0,1	0,0	84	8,9%
Credit card balances	30	142	56	4,7	0,0	26	86,7%
Past due ratio, total	896	-	993	0,0	0,0	97	10,8%
Past due ratio, individuals	454	-	522	0,0	0,0	68	15,0%
Past due ratio, corporates	2 208	-	2 354	0,0	0,0	146	6,6%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	1 223	-	1 329	0,0	0,0	106	8,7%

You can also get acquainted with balance sheet aggregation methodics.