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Central Bank of Russia registration number: 2849

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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.	01.03.2016	>> Turnover >>	01.04.2016 01.03.2016 01.02.2016 01.01.2016 01.12.2015 01.11.2015 01.10.2015 01.09.2015 01.08.2015 01.07.2015 01.06.2015 01.05.2015 01.04.2015 01.03.2015 01.02.2015 01.01.2015 01.12.2014 01.11.2014 01.10.2014 01.09.2014 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 01.10.2009 01.09.2009	Turnover / amount	Turnover / assets	Period change
ASSETS	2 231 137	17 982 202	2 502 900	8,1	7,2	271 763	12,2%
High liquid assets	726 989	6 241 502	951 380	8,6	2,5	224 391	30,9%
Cash and equivalents	703 412	3 901 320	720 865	5,5	1,6	17 453	2,5%
Cash	369 556	1 306 071	444 020	3,5	0,5	74 464	20,1%
in cash and en route	369 556	1 306 071	444 020	3,5	0,5	74 464	20,1%
Nostro account with Central Bank	333 856	2 652 260	276 845	7,9	1,1	-57 011	-17,1%
Nostro accounts	7 177	168 044	105 664	23,4	0,1	98 487	1 372,3%
Non-residents	97	38	81	0,4	0,0	-16	-16,5%
Residents	7 080	168 022	105 583	23,7	0,1	98 503	1 391,3%
Money in transfer	12 493	857 202	124 853	68,6	0,3	112 360	899,4%
Exchange accounts	3 931	1 318 845	-	335,5	0,5	-3 931	-100,0%
Provision for impairment of high-liquid assets	-24	22	-2	0,9	0,0	22	-91,7%
Interest-earning assets	1 212 188	3 437 043	1 267 434	2,8	1,4	55 246	4,6%
Dues from banks	41 653	2 963 291	262 277	71,1	1,2	220 624	529,7%
Central Bank of Russia	-	-	-	-	-	-	-
Residents	41 653	2 963 291	262 277	71,1	1,2	220 624	529,7%
up to 30 days	41 653	2 963 291	262 277	71,1	1,2	220 624	529,7%
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	159 676	163 966	126 320	1,0	0,1	-33 356	-20,9%
Promissory notes	159 676	163 966	126 320	1,0	0,1	-33 356	-20,9%
Corporate	222 516	140 365	200 449	0,6	0,1	-22 067	-9,9%
Provision for impairment of promissory notes	-62 840	23 601	-74 129	0,4	0,0	-11 289	18,0%
Stocks	-	-	-	-	-	-	-
Residents	19	-	19	0,0	0,0	-	0,0%
Provision for impairment of stocks	-19	-	-19	0,0	0,0	-	0,0%
Loans to corporate clients	981 668	473 146	848 183	0,5	0,2	-133 485	-13,6%
residents	1 199 722	123 390	1 111 332	0,1	0,0	-88 390	-7,4%
up to 1 year	50 000	35 000	85 000	0,7	0,0	35 000	70,0%
up to 3 years	927 222	98 390	828 832	0,1	0,0	-98 390	-10,6%
more than 3 years	222 500	25 000	197 500	0,1	0,0	-25 000	-11,2%
Past-due	8 879	7 600	2 084	0,9	0,0	-6 795	-76,5%
residents	8 879	7 600	2 084	0,9	0,0	-6 795	-76,5%
Provision for impairment of corporate loans	-226 933	342 156	-265 233	1,5	0,1	-38 300	16,9%
residents	-226 933	342 156	-265 233	1,5	0,1	-38 300	16,9%
Loans to individuals	29 191	4 338	30 654	0,1	0,0	1 463	5,0%
Standard	68 358	1 873	66 685	0,0	0,0	-1 673	-2,4%
up to 3 years	57 967	291	57 676	0,0	0,0	-291	-0,5%
more than 3 years	10 391	1 582	9 009	0,2	0,0	-1 382	-13,3%
Past-due	1 171	-	1 171	0,0	0,0	-	0,0%
Past-due	1 171	-	1 171	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-40 338	4 138	-37 202	0,1	0,0	3 136	-7,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	291 960	8 311 531	284 086	28,5	3,3	-7 874	-2,7%
Mandatory reserves with Central Bank	63 090	21 659	41 431	0,3	0,0	-21 659	-34,3%
Premises and equipment	91 496	140 988	91 247	1,5	0,1	-249	-0,3%
Purchase cost	103 115	140 739	103 231	1,4	0,1	116	0,1%
Depreciation	-11 619	365	-11 984	0,0	0,0	-365	3,1%
Accrued interest not yet received	3 975	3 480	4 121	0,9	0,0	146	3,7%
Other assets	80 330	8 128 966	79 673	101,2	3,2	-657	-0,8%
Provision for impairment of other assets	-1 769	16 584	-8 828	9,4	0,0	-7 059	399,0%
Deferred tax asset	54 838	21 604	76 442	0,4	0,0	21 604	39,4%
LIABILITIES	1 873 878	9 947 942	2 063 029	5,3	4,0	189 151	10,1%
On demand	78 258	1 253 030	273 017	16,0	0,5	194 759	248,9%
Corporate clients	40 119	690 756	223 646	17,2	0,3	183 527	457,5%
Residents	39 630	690 756	223 162	17,4	0,3	183 532	463,1%
Non-residents	489	5	484	0,0	0,0	-5	-1,0%
Individuals	38 139	562 274	49 371	14,7	0,2	11 232	29,5%
Residents	37 076	546 825	41 445	14,7	0,2	4 369	11,8%
Non-residents	1 063	15 449	7 926	14,5	0,0	6 863	645,6%
Term	1 747 544	306 416	1 740 164	0,2	0,1	-7 380	-0,4%
Corporate clients	265 004	28 204	240 004	0,1	0,0	-25 000	-9,4%
Residents	265 004	28 204	240 004	0,1	0,0	-25 000	-9,4%
up to 1 year	4	-	4	0,0	0,0	-	0,0%
up to 3 years	265 000	28 204	240 000	0,1	0,0	-25 000	-9,4%
Individuals	1 482 540	295 832	1 500 160	0,2	0,1	17 620	1,2%
residents	1 468 381	293 357	1 485 317	0,2	0,1	16 936	1,2%
up to 180 days	853	8	861	0,0	0,0	8	0,9%
up to 1 year	553 397	144 967	548 715	0,3	0,1	-4 682	-0,8%
up to 3 years	914 131	153 064	935 741	0,2	0,1	21 610	2,4%
non-residents	14 159	2 475	14 843	0,2	0,0	684	4,8%
up to 1 year	4 246	895	5 141	0,2	0,0	895	21,1%
up to 3 years	9 913	1 791	9 702	0,2	0,0	-211	-2,1%
Securities issued	-	25 765	-	-	-	-	-
Promissory notes	-	25 765	-	-	-	-	-
on demand	-	25 510	-	-	-	-	-
Discount accrued	-	255	-	-	-	-	-
Other liabilities	48 076	8 370 111	49 848	174,1	3,3	1 772	3,7%
Other liabilities	8 585	8 329 493	12 537	970,2	3,3	3 952	46,0%
Accrued interest not yet paid	39 491	42 798	37 311	1,1	0,0	-2 180	-5,5%
EQUITY	357 259	4 477 909	439 871	12,5	1,8	82 612	23,1%
Capital	412 717	144 000	556 717	0,3	0,1	144 000	34,9%
Profit from previous years	-64 692	3 906 293	-65 461	60,4	1,6	-769	1,2%
Retained earnings from previous years	-64 692	3 906 293	-65 461	60,4	1,6	-769	1,2%
Current year profit	16 787	488 767	-43 803	29,1	0,2	-60 590	-360,9%
Current year retained earnings	16 787	488 767	-43 803	29,1	0,2	-60 590	-360,9%
Future expenses	-7 553	237	-7 582	0,0	0,0	-29	0,4%
OFF-BALANCE SHEET	389 803	408 738	674 269	1,0	0,2	284 466	73,0%
Contingent liabilities	-3 628	65 000	-30 000	17,9	0,0	-26 372	726,9%
Unused credit limits opened	-3 628	65 000	-30 000	17,9	0,0	-26 372	726,9%
Collateral on loans	390 380	337 135	702 515	0,9	0,1	312 135	80,0%
goods	390 380	337 135	702 515	0,9	0,1	312 135	80,0%
Unprocessed payments	49 315	300	49 550	0,0	0,0	235	0,5%
Due to lack of funds on client accounts	49 315	300	49 550	0,0	0,0	235	0,5%
Other off-balance sheet accounts	-46 264	6 538	-47 796	0,1	0,0	-1 532	3,3%
Accrued interest not yet received	26 281	6 538	24 749	0,2	0,0	-1 532	-5,8%
Written-off interest	-62 206	-	-62 206	0,0	0,0	-	0,0%
Written-off loans to banks	-1	-	-1	0,0	0,0	-	0,0%
Written-off loans	-10 338	-	-10 338	0,0	0,0	-	0,0%
Past due ratio, total	79	-	28	0,0	0,0	-51	-64,6%
Past due ratio, individuals	168	-	173	0,0	0,0	5	3,0%
Past due ratio, corporates	73	-	19	0,0	0,0	-54	-74,0%
Past due ratio, corporates + entrepreneurs	73	-	19	0,0	0,0	-54	-74,0%
Risk-weighted assets	2 384 791	-	2 617 734	0,0	0,0	232 943	9,8%

You can also get acquainted with balance sheet aggregation methodics.