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	SIBIRSKIY EHNERGETICHESKIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2604

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) 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.	01.03.2012	>> Turnover >>	01.04.2012 01.03.2012 01.02.2012 01.01.2012 01.12.2011 01.11.2011 01.10.2011 01.09.2011 01.08.2011 01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 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	1 212 772	1 725 306	1 075 338	1,4	1,6	-137 434	-11,3%
High liquid assets	26 120	84 632	2 987	3,2	0,1	-23 133	-88,6%
Cash and equivalents	26 094	84 584	2 979	3,2	0,1	-23 115	-88,6%
Cash	1 640	6 275	509	3,8	0,0	-1 131	-69,0%
in cash and en route	1 632	6 245	509	3,8	0,0	-1 123	-68,8%
in ATMs	8	30	-	3,8	0,0	-8	-100,0%
Nostro account with Central Bank	24 454	78 309	2 470	3,2	0,1	-21 984	-89,9%
Nostro accounts	7	37	-	5,3	0,0	-7	-100,0%
Residents	7	37	-	5,3	0,0	-7	-100,0%
Money in transfer	19	11	8	0,6	0,0	-11	-57,9%
Interest-earning assets	1 154 472	451 061	863 985	0,4	0,4	-290 487	-25,2%
Dues from banks	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Securities	148 516	158 179	-	1,1	0,1	-148 516	-100,0%
Stocks	148 516	158 179	-	1,1	0,1	-148 516	-100,0%
Residents	155 926	155 926	-	1,0	0,1	-155 926	-100,0%
Valuation allowance	-7 410	9 663	-	1,3	0,0	7 410	-100,0%
Loans to corporate clients	794 771	148 099	821 863	0,2	0,1	27 092	3,4%
residents	799 187	123 400	830 387	0,2	0,1	31 200	3,9%
up to 30 days	18 951	-	18 951	0,0	0,0	-	0,0%
up to 180 days	5 000	5 000	-	1,0	0,0	-5 000	-100,0%
up to 1 year	699 302	106 400	738 702	0,2	0,1	39 400	5,6%
up to 3 years	72 700	20 200	69 500	0,3	0,0	-3 200	-4,4%
more than 3 years	3 234	-	3 234	0,0	0,0	-	0,0%
Past-due	27 120	19 628	46 748	0,7	0,0	19 628	72,4%
residents	27 120	19 628	46 748	0,7	0,0	19 628	72,4%
Provision for impairment of corporate loans	-31 536	28 602	-55 272	0,9	0,0	-23 736	75,3%
residents	-31 536	28 602	-55 272	0,9	0,0	-23 736	75,3%
Loans to private entrepreneurs	818	94	796	0,1	0,0	-22	-2,7%
Past-due	1 000	-	1 000	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-182	94	-204	0,5	0,0	-22	12,1%
Loans to individuals	210 367	171 986	41 326	0,8	0,2	-169 041	-80,4%
Standard	211 881	171 188	42 193	0,8	0,2	-169 688	-80,1%
up to 1 year	1 093	1 013	80	0,9	0,0	-1 013	-92,7%
up to 3 years	79 420	76 311	3 109	1,0	0,1	-76 311	-96,1%
more than 3 years	131 368	93 864	39 004	0,7	0,1	-92 364	-70,3%
Past-due	3 064	1 229	3 858	0,4	0,0	794	25,9%
Past-due	3 064	1 229	3 858	0,4	0,0	794	25,9%
Provision for impairment of loans to individuals	-4 578	363	-4 725	0,1	0,0	-147	3,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	32 180	1 365 799	208 366	42,4	1,3	176 186	547,5%
Mandatory reserves with Central Bank	26 982	9 522	36 504	0,4	0,0	9 522	35,3%
Premises and equipment	9 390	539 475	9 330	57,5	0,5	-60	-0,6%
Purchase cost	11 191	539 433	11 100	48,2	0,5	-91	-0,8%
Depreciation	-1 801	73	-1 770	0,0	0,0	31	-1,7%
Accrued interest not yet received	-	18 270	-	-	-	-	-
Other assets	4 416	786 355	170 391	178,1	0,7	165 975	3 758,5%
Provision for impairment of other assets	-8 608	12 237	-7 859	1,4	0,0	749	-8,7%
LIABILITIES	1 082 842	973 742	959 807	0,9	0,9	-123 035	-11,4%
Dues to banks	55 311	64 892	428	1,2	0,1	-54 883	-99,2%
On demand	309	309	-	1,0	0,0	-309	-100,0%
Residents	309	309	-	1,0	0,0	-309	-100,0%
Term	55 002	64 583	428	1,2	0,1	-54 574	-99,2%
Residents	55 002	64 583	428	1,2	0,1	-54 574	-99,2%
up to 30 days	20 002	20 000	2	1,0	0,0	-20 000	-100,0%
more than 180 days	35 000	35 000	-	1,0	0,0	-35 000	-100,0%
Past-due	-	10 009	426	-	-	426	-
On demand	92 642	128 339	118 323	1,4	0,1	25 681	27,7%
Corporate clients	92 608	128 339	118 290	1,4	0,1	25 682	27,7%
State-owned enterprises	6	16	8	2,7	0,0	2	33,3%
Residents	92 602	128 323	118 282	1,4	0,1	25 680	27,7%
Individuals	34	1	33	0,0	0,0	-1	-2,9%
Residents	34	1	33	0,0	0,0	-1	-2,9%
Term	796 511	-	796 511	0,0	0,0	-	0,0%
Corporate clients	796 511	-	796 511	0,0	0,0	-	0,0%
Residents	796 511	-	796 511	0,0	0,0	-	0,0%
up to 180 days	300	-	300	0,0	0,0	-	0,0%
up to 1 year	30 000	-	30 000	0,0	0,0	-	0,0%
up to 3 years	701 211	-	701 211	0,0	0,0	-	0,0%
more than 3 years	65 000	-	65 000	0,0	0,0	-	0,0%
Securities issued	110 177	240 473	11 730	2,2	0,2	-98 447	-89,4%
Promissory notes	110 177	240 473	11 730	2,2	0,2	-98 447	-89,4%
on demand	950	125 995	3 450	132,6	0,1	2 500	263,2%
up to 30 days	23 550	23 550	-	1,0	0,0	-23 550	-100,0%
up to 180 days	5 350	3 450	1 900	0,6	0,0	-3 450	-64,5%
up to 1 year	6 650	-	6 650	0,0	0,0	-	0,0%
up to 3 years	89 978	89 978	-	1,0	0,1	-89 978	-100,0%
Discount accrued	-16 301	16 031	-270	1,0	0,0	16 031	-98,3%
Other liabilities	28 201	570 333	32 815	20,2	0,5	4 614	16,4%
Other liabilities	10 523	567 257	12 417	53,9	0,5	1 894	18,0%
Accrued interest not yet paid	17 678	2 881	20 398	0,2	0,0	2 720	15,4%
Liabilities past-due	-	195	-	-	-	-	-
EQUITY	129 930	476 664	115 532	3,7	0,4	-14 398	-11,1%
Capital	100 150	-	100 150	0,0	0,0	-	0,0%
Profit from previous years	16 674	407 817	17 576	24,5	0,4	902	5,4%
Retained earnings from previous years	16 674	407 817	17 576	24,5	0,4	902	5,4%
Current year profit	11 822	69 327	-3 204	5,9	0,1	-15 026	-127,1%
Current year retained earnings	11 822	69 327	-3 204	5,9	0,1	-15 026	-127,1%
Future expenses	1 284	422	1 010	0,3	0,0	-274	-21,3%
OFF-BALANCE SHEET	1 006 787	278 251	1 017 165	0,3	0,3	10 378	1,0%
Contingent liabilities	-177 476	78 200	-146 159	0,4	0,1	31 317	-17,6%
Guarantees issued	-126 329	383	-126 712	0,0	0,0	-383	0,3%
Unused credit limits opened	-51 147	78 200	-19 447	1,5	0,1	31 700	-62,0%
Collateral on loans	1 179 766	197 484	1 156 282	0,2	0,2	-23 484	-2,0%
goods	1 106 266	174 000	1 156 282	0,2	0,2	50 016	4,5%
securities	73 500	73 500	-	1,0	0,1	-73 500	-100,0%
Other off-balance sheet accounts	4 497	2 567	7 042	0,6	0,0	2 545	56,6%
Accrued interest not yet received	4 497	2 567	7 042	0,6	0,0	2 545	56,6%
Past due ratio, total	299	-	558	0,0	0,0	259	86,6%
Past due ratio, individuals	143	-	838	0,0	0,0	695	486,0%
Past due ratio, corporates	328	-	533	0,0	0,0	205	62,5%
Past due ratio, entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	340	-	544	0,0	0,0	204	60,0%

You can also get acquainted with balance sheet aggregation methodics.