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Central Bank of Russia registration number: 2627

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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.	01.05.2011	>> Turnover >>	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	765 522	4 162 022	831 952	5,4	5,0	66 430	8,7%
High liquid assets	85 712	2 654 358	107 347	31,0	3,2	21 635	25,2%
Cash and equivalents	56 364	2 030 209	92 210	36,0	2,4	35 846	63,6%
Cash	32 001	247 353	55 736	7,7	0,3	23 735	74,2%
in cash and en route	32 001	247 353	55 736	7,7	0,3	23 735	74,2%
Nostro account with Central Bank	24 363	1 782 856	36 474	73,2	2,1	12 111	49,7%
Nostro accounts	29 291	352 727	15 137	12,0	0,4	-14 154	-48,3%
Non-residents	1 728	41 743	29	24,2	0,1	-1 699	-98,3%
Residents	27 563	310 984	15 108	11,3	0,4	-12 455	-45,2%
Money in transfer	57	15 863	-	278,3	0,0	-57	-100,0%
Exchange accounts	-	269 770	-	-	-	-	-
Interest-earning assets	538 408	931 474	585 171	1,7	1,1	46 763	8,7%
Dues from banks	148 000	720 000	98 000	4,9	0,9	-50 000	-33,8%
Residents	148 000	720 000	98 000	4,9	0,9	-50 000	-33,8%
up to 30 days	120 000	720 000	70 000	6,0	0,9	-50 000	-41,7%
more than 180 days	28 000	-	28 000	0,0	0,0	-	0,0%
Securities	117 413	128 177	185 899	1,1	0,2	68 486	58,3%
Promissory notes	99 599	128 177	168 085	1,3	0,2	68 486	68,8%
Banks	99 599	128 177	168 085	1,3	0,2	68 486	68,8%
Stocks	17 814	-	17 814	0,0	0,0	-	0,0%
Residents	17 994	-	17 994	0,0	0,0	-	0,0%
Provision for impairment of stocks	-180	-	-180	0,0	0,0	-	0,0%
Loans to corporate clients	240 502	88 165	270 329	0,4	0,1	29 827	12,4%
residents	265 689	68 103	295 699	0,3	0,1	30 010	11,3%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	6 862	22 715	17 875	3,3	0,0	11 013	160,5%
up to 1 year	177 997	42 724	196 537	0,2	0,1	18 540	10,4%
up to 3 years	80 830	2 664	81 287	0,0	0,0	457	0,6%
Past-due	642	657	1 299	1,0	0,0	657	102,3%
residents	642	657	1 299	1,0	0,0	657	102,3%
Provision for impairment of corporate loans	-25 829	20 245	-26 669	0,8	0,0	-840	3,3%
residents	-25 829	20 245	-26 669	0,8	0,0	-840	3,3%
Loans to private entrepreneurs	3 960	-	3 960	0,0	0,0	-	0,0%
up to 1 year	4 000	-	4 000	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-40	-	-40	0,0	0,0	-	0,0%
Loans to individuals	41 149	46 532	39 749	1,1	0,1	-1 400	-3,4%
Standard	40 599	26 060	39 246	0,6	0,0	-1 353	-3,3%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	208	534	395	2,6	0,0	187	89,9%
up to 1 year	17 928	5 467	16 243	0,3	0,0	-1 685	-9,4%
up to 3 years	16 499	20 391	16 674	1,2	0,0	175	1,1%
more than 3 years	5 964	30	5 934	0,0	0,0	-30	-0,5%
Past-due	13 908	259	13 917	0,0	0,0	9	0,1%
Past-due	13 908	259	13 917	0,0	0,0	9	0,1%
Provision for impairment of loans to individuals	-13 358	20 222	-13 414	1,5	0,0	-56	0,4%
Provision for impairment of loans past-due	-12 616	150	-12 766	0,0	0,0	-150	1,2%
Other assets	141 402	578 158	139 434	4,1	0,7	-1 968	-1,4%
Mandatory reserves with Central Bank	4 032	798	4 830	0,2	0,0	798	19,8%
Premises and equipment	2 032	67 648	1 978	33,3	0,1	-54	-2,7%
Purchase cost	8 825	67 594	8 826	7,7	0,1	1	0,0%
Depreciation	-6 793	55	-6 848	0,0	0,0	-55	0,8%
Accrued interest not yet received	3 647	7 200	1 849	2,0	0,0	-1 798	-49,3%
Factoring	41 590	20 798	25 534	0,5	0,0	-16 056	-38,6%
Other assets	119 423	472 625	118 430	4,0	0,6	-993	-0,8%
Provision for impairment of other assets	-29 322	26 022	-13 187	0,9	0,0	16 135	-55,0%
LIABILITIES	360 835	2 443 223	424 964	6,8	2,9	64 129	17,8%
Dues to banks	19 521	122 925	42 477	6,3	0,1	22 956	117,6%
On demand	19 521	17 503	29 247	0,9	0,0	9 726	49,8%
Residents	19 521	17 503	29 247	0,9	0,0	9 726	49,8%
Term	-	105 413	13 230	-	-	13 230	-
Residents	-	105 413	13 230	-	-	13 230	-
up to 30 days	-	105 413	13 230	-	-	13 230	-
Other dues to banks	-	9	-	-	-	-	-
On demand	321 562	1 557 751	361 601	4,8	1,9	40 039	12,5%
Corporate clients	320 688	1 557 712	361 072	4,9	1,9	40 384	12,6%
State-owned enterprises	100	100	-	1,0	0,0	-100	-100,0%
Residents	313 762	1 549 331	351 050	4,9	1,9	37 288	11,9%
Non-residents	6 826	8 381	10 022	1,2	0,0	3 196	46,8%
Individuals	874	384	529	0,4	0,0	-345	-39,5%
Residents	773	355	451	0,5	0,0	-322	-41,7%
Non-residents	101	29	78	0,3	0,0	-23	-22,8%
Term	10 111	20	10 116	0,0	0,0	5	0,0%
Corporate clients	10 000	-	10 000	0,0	0,0	-	0,0%
Residents	10 000	-	10 000	0,0	0,0	-	0,0%
up to 180 days	10 000	-	10 000	0,0	0,0	-	0,0%
Individuals	111	20	116	0,2	0,0	5	4,5%
residents	108	20	113	0,2	0,0	5	4,6%
up to 30 days	108	20	113	0,2	0,0	5	4,6%
non-residents	3	-	3	0,0	0,0	-	0,0%
up to 30 days	3	-	3	0,0	0,0	-	0,0%
Securities issued	6 950	-	6 950	0,0	0,0	-	0,0%
Promissory notes	6 950	-	6 950	0,0	0,0	-	0,0%
up to 30 days	450	-	450	0,0	0,0	-	0,0%
more than 180 days	6 500	-	6 500	0,0	0,0	-	0,0%
Other liabilities	2 691	762 527	3 820	283,4	0,9	1 129	42,0%
Other liabilities	2 375	762 404	3 385	321,0	0,9	1 010	42,5%
Accrued interest not yet paid	316	123	435	0,4	0,0	119	37,7%
EQUITY	404 687	63 909	406 988	0,2	0,1	2 301	0,6%
Capital	357 996	-	357 996	0,0	0,0	-	0,0%
Profit from previous years	41 325	75	41 325	0,0	0,0	-	0,0%
Retained earnings from previous years	41 325	75	41 325	0,0	0,0	-	0,0%
Current year profit	5 801	63 567	7 940	11,0	0,1	2 139	36,9%
Current year retained earnings	5 801	63 567	7 940	11,0	0,1	2 139	36,9%
Future expenses	-435	267	-273	0,6	0,0	162	-37,2%
OFF-BALANCE SHEET	298 592	91 180	309 899	0,3	0,1	11 307	3,8%
Contingent liabilities	-75 415	50 815	-49 188	0,7	0,1	26 227	-34,8%
Guarantees issued	-19 339	17	-19 331	0,0	0,0	8	-0,0%
Unused credit limits opened	-56 076	50 798	-29 857	0,9	0,1	26 219	-46,8%
Collateral on loans	536 080	27 810	543 560	0,1	0,0	7 480	1,4%
goods	535 580	27 810	543 060	0,1	0,0	7 480	1,4%
securities	500	-	500	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-162 073	20 035	-184 473	0,1	0,0	-22 400	13,8%
Accrued interest not yet received	12 094	4 917	8 450	0,4	0,0	-3 644	-30,1%
Written-off interest	-39 279	5 641	-44 918	0,1	0,0	-5 639	14,4%
Written-off loans	-134 888	13 121	-148 005	0,1	0,0	-13 117	9,7%
Credit card balances	-	-	-	-	-	-	-
Past due ratio, total	448	-	430	0,0	0,0	-18	-4,0%
Past due ratio, individuals	2 552	-	2 618	0,0	0,0	66	2,6%
Past due ratio, corporates	24	-	44	0,0	0,0	20	83,3%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	24	-	43	0,0	0,0	19	79,2%

You can also get acquainted with balance sheet aggregation methodics.