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Central Bank of Russia registration number: 1915

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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.	01.10.2008 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.	01.10.2008 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	4 962 956	4 849 942	113 014	4 456 963	4 394 109	62 854	-455 833	-50 160
High liquid assets	300 711	245 410	55 301	277 081	231 512	45 569	-13 898	-9 732
Cash and equivalents	242 896	201 280	41 616	163 254	120 134	43 120	-81 146	1 504
Cash	201 693	160 077	41 616	142 542	99 422	43 120	-60 655	1 504
in cash and en route	128 637	109 978	18 659	81 712	60 814	20 898	-49 164	2 239
in exchange offices	32 880	16 740	16 140	33 588	17 653	15 935	913	-205
in operational cash offices	14 325	8 068	6 257	14 771	8 550	6 221	482	-36
in ATMs	25 851	25 291	560	12 471	12 405	66	-12 886	-494
Nostro account with Central Bank	41 203	41 203	-	20 712	20 712	-	-20 491	-
Nostro accounts	49 488	36 458	13 030	105 672	103 545	2 127	67 087	-10 903
Non-residents	1 081	-	1 081	7	-	7	-	-1 074
Residents	48 407	36 458	11 949	105 665	103 545	2 120	67 087	-9 829
Money in transfer	8 316	7 661	655	8 144	7 822	322	161	-333
Exchange accounts	11	11	-	11	11	-	-	-
Interest-earning assets	4 407 497	4 355 383	52 114	4 020 057	4 005 509	14 548	-349 874	-37 566
Dues from banks	11 106	10 000	1 106	9 136	8 000	1 136	-2 000	30
Residents	11 106	10 000	1 106	9 136	8 000	1 136	-2 000	30
up to 30 days	11 106	10 000	1 106	9 136	8 000	1 136	-2 000	30
Securities	606	606	-	606	606	-	-	-
Stocks	606	606	-	606	606	-	-	-
Residents	1 312	1 312	-	1 312	1 312	-	-	-
Provision for impairment of stocks	-706	-706	-	-706	-706	-	-	-
Loans to corporate clients	4 106 749	4 070 196	36 553	3 746 352	3 746 352	-	-323 844	-36 553
residents	4 154 182	4 117 629	36 553	3 805 497	3 805 497	-	-312 132	-36 553
up to 30 days	12 876	12 876	-	10 599	10 599	-	-2 277	-
up to 180 days	978 697	978 697	-	1 594 217	1 594 217	-	615 520	-
up to 1 year	2 053 487	2 053 487	-	1 549 539	1 549 539	-	-503 948	-
up to 3 years	1 068 663	1 032 110	36 553	621 183	621 183	-	-410 927	-36 553
more than 3 years	40 459	40 459	-	29 959	29 959	-	-10 500	-
state-owned enterprises	-	-	-	6 500	6 500	-	6 500	-
up to 30 days	-	-	-	1 500	1 500	-	1 500	-
up to 180 days	-	-	-	5 000	5 000	-	5 000	-
Past-due	5 266	5 266	-	9 629	9 629	-	4 363	-
residents	5 266	5 266	-	9 629	9 629	-	4 363	-
Provision for impairment of corporate loans	-52 699	-52 699	-	-75 274	-75 274	-	-22 575	-
residents	-52 699	-52 699	-	-75 274	-75 274	-	-22 575	-
Loans to private entrepreneurs	57 115	56 244	871	54 822	53 927	895	-2 317	24
up to 180 days	3 620	3 620	-	3 620	3 620	-	-	-
up to 1 year	18 103	18 103	-	19 212	19 212	-	1 109	-
up to 3 years	31 341	31 341	-	27 707	27 707	-	-3 634	-
Past-due	6 274	5 403	871	6 298	5 403	895	-	24
Provision for impairment of loans to private entrepreneurs	-2 223	-2 223	-	-2 015	-2 015	-	208	-
Loans to individuals	254 853	241 269	13 584	235 315	222 798	12 517	-18 471	-1 067
Standard	245 023	241 299	3 724	224 419	220 809	3 610	-20 490	-114
up to 30 days	4 511	2 884	1 627	4 225	2 554	1 671	-330	44
up to 180 days	9 336	9 336	-	9 996	9 996	-	660	-
up to 1 year	27 128	27 128	-	22 576	22 576	-	-4 552	-
up to 3 years	32 773	31 741	1 032	31 761	30 903	858	-838	-174
more than 3 years	171 275	170 210	1 065	155 861	154 780	1 081	-15 430	16
Past-due	19 288	9 428	9 860	17 015	8 108	8 907	-1 320	-953
Past-due	19 288	9 428	9 860	17 015	8 108	8 907	-1 320	-953
Provision for impairment of loans to individuals	-9 458	-9 458	-	-6 119	-6 119	-	3 339	-
Provision for impairment of loans past-due	-22 932	-22 932	-	-26 174	-26 174	-	-3 242	-
Other assets	254 748	249 149	5 599	159 825	157 088	2 737	-92 061	-2 862
Mandatory reserves with Central Bank	154 902	154 902	-	51 770	51 770	-	-103 132	-
Premises and equipment	63 283	63 283	-	68 265	68 265	-	4 982	-
Purchase cost	115 590	115 590	-	121 056	121 056	-	5 466	-
Depreciation	-52 307	-52 307	-	-52 791	-52 791	-	-484	-
Accrued interest not yet received	16 949	15 552	1 397	3 124	2 802	322	-12 750	-1 075
Non-current assets	1 368	1 368	-	1 368	1 368	-	-	-
Other assets	34 969	30 767	4 202	40 949	38 534	2 415	7 767	-1 787
Investments in subsidiaries	183	183	-	183	183	-	-	-
Provision for impairment of other assets	-16 906	-16 906	-	-5 834	-5 834	-	11 072	-
LIABILITIES	4 154 456	3 878 798	275 658	3 634 079	3 354 758	279 321	-524 040	3 663
Dues to banks	229 165	226 760	2 405	107 233	107 233	-	-119 527	-2 405
On demand	115	32	83	32	32	-	-	-83
Residents	115	32	83	32	32	-	-	-83
Term	210 000	210 000	-	100 000	100 000	-	-110 000	-
Residents	210 000	210 000	-	100 000	100 000	-	-110 000	-
up to 30 days	210 000	210 000	-	100 000	100 000	-	-110 000	-
Other dues to banks	19 050	16 728	2 322	7 201	7 201	-	-9 527	-2 322
On demand	1 748 863	1 722 588	26 275	1 373 001	1 315 245	57 756	-407 343	31 481
Corporate clients	1 338 589	1 335 113	3 476	982 520	980 464	2 056	-354 649	-1 420
State-owned enterprises	89 519	89 519	-	78 549	78 549	-	-10 970	-
Residents	1 248 007	1 245 048	2 959	902 167	901 196	971	-343 852	-1 988
Non-residents	1 063	546	517	1 804	719	1 085	173	568
Individuals	410 274	387 475	22 799	390 481	334 781	55 700	-52 694	32 901
Residents	408 520	387 175	21 345	388 792	334 383	54 409	-52 792	33 064
Non-residents	1 754	300	1 454	1 689	398	1 291	98	-163
Term	1 675 670	1 432 912	242 758	1 613 134	1 393 551	219 583	-39 361	-23 175
Corporate clients	141 108	141 108	-	141 758	141 758	-	650	-
Residents	136 108	136 108	-	136 758	136 758	-	650	-
up to 30 days	-	-	-	3 500	3 500	-	3 500	-
up to 180 days	5 500	5 500	-	28 500	28 500	-	23 000	-
up to 1 year	81 772	81 772	-	57 000	57 000	-	-24 772	-
up to 3 years	48 536	48 536	-	47 458	47 458	-	-1 078	-
more than 3 years	300	300	-	300	300	-	-	-
State-owned enterprises	5 000	5 000	-	5 000	5 000	-	-	-
up to 3 years	5 000	5 000	-	5 000	5 000	-	-	-
Individuals	1 534 562	1 291 804	242 758	1 471 376	1 251 793	219 583	-40 011	-23 175
residents	1 526 852	1 290 390	236 462	1 464 014	1 250 573	213 441	-39 817	-23 021
up to 30 days	1 439	407	1 032	1 414	356	1 058	-51	26
up to 180 days	377 307	354 953	22 354	373 569	340 345	33 224	-14 608	10 870
up to 1 year	372 477	297 368	75 109	314 967	272 993	41 974	-24 375	-33 135
up to 3 years	752 241	615 673	136 568	752 879	617 275	135 604	1 602	-964
more than 3 years	23 388	21 989	1 399	21 185	19 604	1 581	-2 385	182
non-residents	7 710	1 414	6 296	7 362	1 220	6 142	-194	-154
up to 30 days	37	-	37	38	-	38	-	1
up to 180 days	429	429	-	235	235	-	-194	-
up to 1 year	2 784	772	2 012	2 586	772	1 814	-	-198
up to 3 years	4 351	104	4 247	4 394	104	4 290	-	43
more than 3 years	109	109	-	109	109	-	-	-
Securities issued	413 075	413 075	-	457 833	457 833	-	44 758	-
Promissory notes	413 075	413 075	-	457 833	457 833	-	44 758	-
up to 30 days	148 030	148 030	-	90 274	90 274	-	-57 756	-
up to 180 days	86 849	86 849	-	143 349	143 349	-	56 500	-
more than 180 days	178 218	178 218	-	224 218	224 218	-	46 000	-
Discount accrued	-22	-22	-	-8	-8	-	14	-
Other liabilities	87 683	83 463	4 220	82 878	80 896	1 982	-2 567	-2 238
Other liabilities	26 484	24 010	2 474	23 865	23 560	305	-450	-2 169
Accrued interest not yet paid	61 199	59 453	1 746	59 013	57 336	1 677	-2 117	-69
EQUITY	808 500	808 500	-	822 884	822 884	-	14 384	-
Capital	641 129	641 129	-	641 129	641 129	-	-	-
Profit from previous years	153 960	153 960	-	154 210	154 210	-	250	-
Retained earnings from previous years	153 960	153 960	-	154 210	154 210	-	250	-
Current year profit	25 628	25 628	-	40 324	40 324	-	14 696	-
Current year retained earnings	25 628	25 628	-	40 324	40 324	-	14 696	-
Future expenses	-12 217	-12 217	-	-12 779	-12 779	-	-562	-
OFF-BALANCE SHEET	863 852	873 299	-9 447	777 266	787 291	-10 025	-86 008	-578
Unused credit limits available	10 000	10 000	-	10 000	10 000	-	-	-
Contingent liabilities	-99 928	-98 896	-1 032	-87 056	-85 996	-1 060	12 900	-28
Guarantees issued	-23 656	-22 624	-1 032	-23 684	-22 624	-1 060	-	-28
Unused credit limits opened	-76 272	-76 272	-	-63 372	-63 372	-	12 900	-
Collateral on loans	970 833	969 261	1 572	873 942	872 327	1 615	-96 934	43
goods	620 264	620 264	-	550 089	550 089	-	-70 175	-
securities	350 569	348 997	1 572	323 853	322 238	1 615	-26 759	43
Other off-balance sheet accounts	-17 053	-7 066	-9 987	-19 620	-9 040	-10 580	-1 974	-593
Accrued interest not yet received	8 609	4 883	3 726	8 990	5 125	3 865	242	139
Written-off interest	-8 328	-4 544	-3 784	-9 212	-5 272	-3 940	-728	-156
Written-off loans	-17 334	-7 405	-9 929	-19 398	-8 893	-10 505	-1 488	-576
Credit card balances	4 511	2 884	1 627	4 225	2 554	1 671	-330	44
Past due ratio, total	69	45	24	80	56	24	11	-0
Past due ratio, individuals	730	376	354	705	354	351	-22	-3
Past due ratio, corporates	13	13	0	25	25	-0	12	-0
Past due ratio, entrepreneurs	1 057	924	133	1 108	966	142	42	9
Past due ratio, corporates + entrepreneurs	27	26	1	41	39	2	13	1
Past-due rate:	0,69%	0,45%	21,04%	0,80%	0,56%	73,08%	0,11%	52,05%
corporate clients:	0,27%	0,26%	2,33%	0,41%	0,39%	100,00%	0,13%	97,67%
individuals:	7,30%	3,76%	72,59%	7,05%	3,54%	71,16%	-0,22%	-1,43%

You can also get acquainted with balance sheet aggregation methodics.