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Central Bank of Russia registration number: 2779

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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.	01.07.2014	>> Turnover >>	01.08.2014 01.07.2014 01.06.2014 01.05.2014 01.04.2014 01.03.2014 01.02.2014 01.01.2014 01.12.2013 01.11.2013 01.10.2013 01.09.2013 01.08.2013 01.07.2013 01.06.2013 01.05.2013 01.04.2013 01.03.2013 01.02.2013 01.01.2013 01.12.2012 01.11.2012 01.10.2012 01.09.2012 01.08.2012 01.07.2012 01.06.2012 01.05.2012 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	Turnover / amount	Turnover / assets	Period change
ASSETS	969 320	513 702	899 139	0,5	0,6	-70 181	-7,2%
High liquid assets	14 441	227 592	5 488	15,8	0,3	-8 953	-62,0%
Cash and equivalents	11 073	200 575	2 638	18,1	0,2	-8 435	-76,2%
Cash	9 745	155 150	1 944	15,9	0,2	-7 801	-80,1%
in cash and en route	9 745	152 007	1 943	15,6	0,2	-7 802	-80,1%
in ATMs	-	3 144	1	-	-	1	-
Nostro account with Central Bank	1 328	45 425	694	34,2	0,1	-634	-47,7%
Nostro accounts	9 152	24 198	8 624	2,6	0,0	-528	-5,8%
Residents	9 152	24 198	8 624	2,6	0,0	-528	-5,8%
Money in transfer	2 719	2 829	2 755	1,0	0,0	36	1,3%
Provision for impairment of high-liquid assets	-8 503	26	-8 529	0,0	0,0	-26	0,3%
Interest-earning assets	861 081	153 786	844 332	0,2	0,2	-16 749	-1,9%
Dues from banks	-	49	-	-	-	-	-
Residents	654	49	686	0,1	0,0	32	4,9%
up to 30 days	654	49	686	0,1	0,0	32	4,9%
Loans past-due	5 023	-	5 023	0,0	0,0	-	0,0%
residents	5 023	-	5 023	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-5 677	32	-5 709	0,0	0,0	-32	0,6%
Loans to corporate clients	767 278	150 057	753 782	0,2	0,2	-13 496	-1,8%
residents	894 757	101 582	959 955	0,1	0,1	65 198	7,3%
up to 1 year	465 925	101 582	552 808	0,2	0,1	86 883	18,6%
up to 3 years	428 832	21 685	407 147	0,1	0,0	-21 685	-5,1%
Past-due	87 182	70 406	26 848	0,8	0,1	-60 334	-69,2%
residents	87 182	70 406	26 848	0,8	0,1	-60 334	-69,2%
Provision for impairment of corporate loans	-214 661	43 267	-233 021	0,2	0,0	-18 360	8,6%
residents	-214 661	43 267	-233 021	0,2	0,0	-18 360	8,6%
Loans to private entrepreneurs	57 409	2 678	55 672	0,0	0,0	-1 737	-3,0%
up to 1 year	15 686	1 000	14 686	0,1	0,0	-1 000	-6,4%
up to 3 years	63 436	-	63 436	0,0	0,0	-	0,0%
Past-due	1 629	1 629	555	1,0	0,0	-1 074	-65,9%
Provision for impairment of loans to private entrepreneurs	-23 342	404	-23 005	0,0	0,0	337	-1,4%
Loans to individuals	36 394	2 344	34 878	0,1	0,0	-1 516	-4,2%
Standard	34 633	719	33 937	0,0	0,0	-696	-2,0%
up to 30 days	225	20	205	0,1	0,0	-20	-8,9%
up to 1 year	17 221	643	16 601	0,0	0,0	-620	-3,6%
up to 3 years	17 187	56	17 131	0,0	0,0	-56	-0,3%
Past-due	3 184	2	3 185	0,0	0,0	1	0,0%
Past-due	3 184	2	3 185	0,0	0,0	1	0,0%
Provision for impairment of loans to individuals	-1 423	2 319	-2 244	1,6	0,0	-821	57,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	93 798	132 324	49 319	1,4	0,1	-44 479	-47,4%
Mandatory reserves with Central Bank	22 541	1 275	21 266	0,1	0,0	-1 275	-5,7%
Premises and equipment	52 975	101 539	9 141	1,9	0,1	-43 834	-82,7%
Purchase cost	59 485	99 986	12 335	1,7	0,1	-47 150	-79,3%
Depreciation	-6 510	4 869	-3 194	0,7	0,0	3 316	-50,9%
Accrued interest not yet received	16 610	14 564	14 005	0,9	0,0	-2 605	-15,7%
Non-current assets	4 115	-	4 115	0,0	0,0	-	0,0%
Other assets	6 605	14 740	6 127	2,2	0,0	-478	-7,2%
Provision for impairment of other assets	-9 048	3 919	-5 335	0,4	0,0	3 713	-41,0%
LIABILITIES	704 168	243 394	668 960	0,3	0,3	-35 208	-5,0%
Dues to banks	556	809	382	1,5	0,0	-174	-31,3%
On demand	1	-	1	0,0	0,0	-	0,0%
Residents	1	-	1	0,0	0,0	-	0,0%
Other dues to banks	555	809	381	1,5	0,0	-174	-31,4%
On demand	79 373	180 905	66 534	2,3	0,2	-12 839	-16,2%
Corporate clients	69 082	180 475	56 581	2,6	0,2	-12 501	-18,1%
State-owned enterprises	3 357	3 324	4 967	1,0	0,0	1 610	48,0%
Residents	65 721	178 013	51 610	2,7	0,2	-14 111	-21,5%
Non-residents	4	748	4	187,0	0,0	-	0,0%
Individuals	10 291	430	9 953	0,0	0,0	-338	-3,3%
Residents	10 290	430	9 952	0,0	0,0	-338	-3,3%
Non-residents	1	-	1	0,0	0,0	-	0,0%
Term	599 874	33 869	573 101	0,1	0,0	-26 773	-4,5%
Corporate clients	58 000	-	58 000	0,0	0,0	-	0,0%
Residents	58 000	-	58 000	0,0	0,0	-	0,0%
more than 3 years	58 000	-	58 000	0,0	0,0	-	0,0%
Individuals	541 874	33 869	515 101	0,1	0,0	-26 773	-4,9%
residents	541 874	33 869	515 101	0,1	0,0	-26 773	-4,9%
up to 30 days	1	-	1	0,0	0,0	-	0,0%
up to 180 days	1 706	99	1 650	0,1	0,0	-56	-3,3%
up to 1 year	465 820	29 550	442 449	0,1	0,0	-23 371	-5,0%
up to 3 years	64 019	3 743	61 037	0,1	0,0	-2 982	-4,7%
more than 3 years	10 328	477	9 964	0,0	0,0	-364	-3,5%
Other liabilities	24 365	32 389	28 943	1,3	0,0	4 578	18,8%
Other liabilities	5 612	22 572	7 842	4,0	0,0	2 230	39,7%
Accrued interest not yet paid	18 574	6 131	17 682	0,3	0,0	-892	-4,8%
Liabilities past-due	-	4 578	3 240	-	-	3 240	-
Deferred tax liabilities	179	-	179	0,0	0,0	-	0,0%
EQUITY	265 152	83 800	230 179	0,3	0,1	-34 973	-13,2%
Capital	315 996	-	315 996	0,0	0,0	-	0,0%
Profit from previous years	3 448	-	3 448	0,0	0,0	-	0,0%
Retained earnings from previous years	3 448	-	3 448	0,0	0,0	-	0,0%
Current year profit	-53 665	83 152	-88 641	1,5	0,1	-34 976	65,2%
Current year retained earnings	-53 665	83 152	-88 641	1,5	0,1	-34 976	65,2%
Future expenses	-627	651	-624	1,0	0,0	3	-0,5%
OFF-BALANCE SHEET	1 572 418	159 443	1 486 472	0,1	0,2	-85 946	-5,5%
Contingent liabilities	-114 472	95 568	-124 557	0,8	0,1	-10 085	8,8%
Guarantees issued	-98 749	23 006	-121 755	0,2	0,0	-23 006	23,3%
Unused credit limits opened	-15 723	85 483	-2 802	5,4	0,1	12 921	-82,2%
Collateral on loans	581 095	63 973	517 122	0,1	0,1	-63 973	-11,0%
goods	581 095	63 973	517 122	0,1	0,1	-63 973	-11,0%
Unprocessed payments	1 172 005	7 611	1 170 225	0,0	0,0	-1 780	-0,2%
Due to lack of funds on client accounts	1 172 005	7 611	1 170 225	0,0	0,0	-1 780	-0,2%
Other off-balance sheet accounts	-66 210	5 952	-76 318	0,1	0,0	-10 108	15,3%
Accrued interest not yet received	16 278	5 952	10 326	0,4	0,0	-5 952	-36,6%
Written-off interest	-14 898	1 156	-16 054	0,1	0,0	-1 156	7,8%
Written-off loans	-67 590	3 000	-70 590	0,0	0,0	-3 000	4,4%
Credit card balances	225	20	205	0,1	0,0	-20	-8,9%
Past due ratio, total	836	-	277	0,0	0,0	-559	-66,9%
Past due ratio, individuals	842	-	858	0,0	0,0	16	1,9%
Past due ratio, corporates	888	-	272	0,0	0,0	-616	-69,4%
Past due ratio, entrepreneurs	202	-	71	0,0	0,0	-131	-64,9%
Past due ratio, corporates + entrepreneurs	836	-	257	0,0	0,0	-579	-69,3%

You can also get acquainted with balance sheet aggregation methodics.