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Central Bank of Russia registration number: 2422

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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.	01.12.2009	>> Turnover >>	01.01.2010 01.12.2009 01.11.2009 01.10.2009 01.09.2009	Turnover / amount	Turnover / assets	Period change
ASSETS	111 988	501 869	90 216	4,5	5,6	-21 772	-19,4%
High liquid assets	26 206	476 416	17 075	18,2	5,3	-9 131	-34,8%
Cash and equivalents	21 650	401 715	11 252	18,6	4,5	-10 398	-48,0%
Cash	12 468	49 202	4 151	3,9	0,5	-8 317	-66,7%
in cash and en route	11 162	39 672	1 860	3,6	0,4	-9 302	-83,3%
in operational cash offices	1 306	10 515	2 291	8,1	0,1	985	75,4%
Nostro account with Central Bank	9 182	352 513	7 101	38,4	3,9	-2 081	-22,7%
Nostro accounts	4 556	75 968	5 823	16,7	0,8	1 267	27,8%
Residents	4 556	75 968	5 823	16,7	0,8	1 267	27,8%
Interest-earning assets	83 428	24 039	70 887	0,3	0,3	-12 541	-15,0%
Loans to corporate clients	69 891	23 142	57 919	0,3	0,3	-11 972	-17,1%
residents	70 493	22 912	58 481	0,3	0,3	-12 012	-17,0%
up to 30 days	300	560	-	1,9	0,0	-300	-100,0%
up to 180 days	4 336	1 780	2 986	0,4	0,0	-1 350	-31,1%
up to 1 year	34 964	15 556	21 288	0,4	0,2	-13 676	-39,1%
up to 3 years	30 893	8 330	34 207	0,3	0,1	3 314	10,7%
Provision for impairment of corporate loans	-602	270	-562	0,4	0,0	40	-6,6%
residents	-602	270	-562	0,4	0,0	40	-6,6%
Loans to individuals	13 634	854	13 108	0,1	0,0	-526	-3,9%
Standard	14 012	854	13 388	0,1	0,0	-624	-4,5%
up to 3 years	6 730	492	6 468	0,1	0,0	-262	-3,9%
more than 3 years	7 282	362	6 920	0,0	0,0	-362	-5,0%
Past-due	97	43	140	0,4	0,0	43	44,3%
Past-due	97	43	140	0,4	0,0	43	44,3%
Provision for impairment of loans to individuals	-475	55	-420	0,1	0,0	55	-11,6%
Provision for impairment of loans past-due	-97	43	-140	0,4	0,0	-43	44,3%
Other assets	2 354	1 414	2 254	0,6	0,0	-100	-4,2%
Mandatory reserves with Central Bank	1 493	90	1 403	0,1	0,0	-90	-6,0%
Premises and equipment	663	202	639	0,3	0,0	-24	-3,6%
Purchase cost	1 738	178	1 674	0,1	0,0	-64	-3,7%
Depreciation	-1 075	64	-1 035	0,1	0,0	40	-3,7%
Other assets	225	1 136	240	5,0	0,0	15	6,7%
Provision for impairment of other assets	-27	1	-28	0,0	0,0	-1	3,7%
LIABILITIES	73 583	482 192	51 736	6,6	5,3	-21 847	-29,7%
On demand	38 724	452 034	28 604	11,7	5,0	-10 120	-26,1%
Corporate clients	37 466	432 651	28 135	11,5	4,8	-9 331	-24,9%
State-owned enterprises	9	51	2	5,7	0,0	-7	-77,8%
Residents	37 457	432 600	28 133	11,5	4,8	-9 324	-24,9%
Individuals	1 258	19 383	469	15,4	0,2	-789	-62,7%
Residents	1 258	19 383	469	15,4	0,2	-789	-62,7%
Term	34 784	25 167	23 039	0,7	0,3	-11 745	-33,8%
Corporate clients	16 560	10 929	23 000	0,7	0,1	6 440	38,9%
Residents	16 560	10 929	23 000	0,7	0,1	6 440	38,9%
up to 180 days	-	10 000	10 000	-	-	10 000	-
up to 1 year	13 260	3 178	11 000	0,2	0,0	-2 260	-17,0%
up to 3 years	3 300	1 311	2 000	0,4	0,0	-1 300	-39,4%
Individuals	18 224	20 678	39	1,1	0,2	-18 185	-99,8%
residents	18 224	20 678	39	1,1	0,2	-18 185	-99,8%
up to 180 days	11 704	11 766	39	1,0	0,1	-11 665	-99,7%
up to 1 year	6 520	8 912	-	1,4	0,1	-6 520	-100,0%
Securities issued	-	47	-	-	-	-	-
Promissory notes	-	47	-	-	-	-	-
up to 30 days	-	47	-	-	-	-	-
Other liabilities	75	4 962	93	66,2	0,1	18	24,0%
Other liabilities	74	4 961	93	67,0	0,1	19	25,7%
Accrued interest not yet paid	1	2	-	2,0	0,0	-1	-100,0%
EQUITY	38 405	2 287	38 480	0,1	0,0	75	0,2%
Capital	37 446	-	37 446	0,0	0,0	-	0,0%
Profit from previous years	803	-	803	0,0	0,0	-	0,0%
Retained earnings from previous years	803	-	803	0,0	0,0	-	0,0%
Current year profit	975	2 262	1 025	2,3	0,0	50	5,1%
Current year retained earnings	975	2 262	1 025	2,3	0,0	50	5,1%
Future expenses	-819	25	-794	0,0	0,0	25	-3,1%
OFF-BALANCE SHEET	118 169	24 725	119 443	0,2	0,3	1 274	1,1%
Collateral on loans	118 150	24 725	119 417	0,2	0,3	1 267	1,1%
goods	118 150	24 725	119 417	0,2	0,3	1 267	1,1%
Other off-balance sheet accounts	19	7	26	0,4	0,0	7	36,8%
Accrued interest not yet received	19	7	26	0,4	0,0	7	36,8%
Past due ratio, total	11	-	19	0,0	0,0	8	72,7%
Past due ratio, individuals	69	-	103	0,0	0,0	34	49,3%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.