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Central Bank of Russia registration number: 2926

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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 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	54 448	92 940	54 528	1,7	1,7	80	0,1%
High liquid assets	11 452	50 068	6 664	4,4	0,9	-4 788	-41,8%
Cash and equivalents	11 452	50 068	6 664	4,4	0,9	-4 788	-41,8%
Cash	2 848	17 042	830	6,0	0,3	-2 018	-70,9%
in cash and en route	2 848	17 042	830	6,0	0,3	-2 018	-70,9%
Nostro account with Central Bank	8 604	33 026	5 834	3,8	0,6	-2 770	-32,2%
Interest-earning assets	26 896	25 070	26 925	0,9	0,5	29	0,1%
Securities	16 919	24 824	17 176	1,5	0,5	257	1,5%
Promissory notes	16 919	24 824	17 176	1,5	0,5	257	1,5%
Corporate	17 090	24 660	17 350	1,4	0,5	260	1,5%
Provision for impairment of promissory notes	-171	167	-174	1,0	0,0	-3	1,8%
Loans to corporate clients	3 602	380	3 412	0,1	0,0	-190	-5,3%
residents	3 880	380	3 500	0,1	0,0	-380	-9,8%
up to 3 years	380	380	-	1,0	0,0	-380	-100,0%
more than 3 years	3 500	-	3 500	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-278	190	-88	0,7	0,0	190	-68,3%
residents	-278	190	-88	0,7	0,0	190	-68,3%
Loans to private entrepreneurs	644	-	644	0,0	0,0	-	0,0%
up to 3 years	650	-	650	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-6	-	-6	0,0	0,0	-	0,0%
Loans to individuals	5 912	94	5 874	0,0	0,0	-38	-0,6%
Standard	6 468	94	6 424	0,0	0,0	-44	-0,7%
up to 1 year	252	50	281	0,2	0,0	29	11,5%
up to 3 years	6 216	73	6 143	0,0	0,0	-73	-1,2%
Past-due	181	-	181	0,0	0,0	-	0,0%
Past-due	181	-	181	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-737	6	-731	0,0	0,0	6	-0,8%
Provision for impairment of loans past-due	-181	-	-181	0,0	0,0	-	0,0%
Other assets	16 100	22 590	20 939	1,4	0,4	4 839	30,1%
Mandatory reserves with Central Bank	110	43	153	0,4	0,0	43	39,1%
Premises and equipment	15 640	17 228	15 450	1,1	0,3	-190	-1,2%
Purchase cost	20 844	17 110	20 772	0,8	0,3	-72	-0,3%
Depreciation	-5 204	118	-5 322	0,0	0,0	-118	2,3%
Accrued interest not yet received	63	67	67	1,1	0,0	4	6,3%
Other assets	303	5 435	5 330	17,9	0,1	5 027	1 659,1%
Provision for impairment of other assets	-16	52	-61	3,3	0,0	-45	281,3%
LIABILITIES	8 250	40 098	8 344	4,9	0,7	94	1,1%
On demand	4 758	39 149	5 620	8,2	0,7	862	18,1%
Corporate clients	4 455	37 199	5 473	8,3	0,7	1 018	22,9%
Residents	4 455	37 199	5 473	8,3	0,7	1 018	22,9%
Individuals	303	2 106	147	7,0	0,0	-156	-51,5%
Residents	303	2 106	147	7,0	0,0	-156	-51,5%
Term	3 349	1 005	2 626	0,3	0,0	-723	-21,6%
Corporate clients	158	92	66	0,6	0,0	-92	-58,2%
Residents	158	92	66	0,6	0,0	-92	-58,2%
up to 1 year	102	92	10	0,9	0,0	-92	-90,2%
more than 3 years	56	-	56	0,0	0,0	-	0,0%
Individuals	3 191	913	2 560	0,3	0,0	-631	-19,8%
residents	3 191	913	2 560	0,3	0,0	-631	-19,8%
up to 180 days	738	758	-	1,0	0,0	-738	-100,0%
up to 1 year	985	228	1 101	0,2	0,0	116	11,8%
up to 3 years	1 468	43	1 459	0,0	0,0	-9	-0,6%
Other liabilities	143	712	98	5,0	0,0	-45	-31,5%
Other liabilities	81	695	33	8,6	0,0	-48	-59,3%
Accrued interest not yet paid	62	20	65	0,3	0,0	3	4,8%
EQUITY	46 198	1 306	46 184	0,0	0,0	-14	-0,0%
Capital	45 679	-	45 679	0,0	0,0	-	0,0%
Profit from previous years	160	-	160	0,0	0,0	-	0,0%
Retained earnings from previous years	160	-	160	0,0	0,0	-	0,0%
Current year profit	359	1 306	345	3,6	0,0	-14	-3,9%
Current year retained earnings	359	1 306	345	3,6	0,0	-14	-3,9%
OFF-BALANCE SHEET	27 681	9 569	18 122	0,3	0,2	-9 559	-34,5%
Collateral on loans	27 896	9 560	18 336	0,3	0,2	-9 560	-34,3%
goods	27 896	9 560	18 336	0,3	0,2	-9 560	-34,3%
Other off-balance sheet accounts	-215	9	-214	0,0	0,0	1	-0,5%
Accrued interest not yet received	8	9	9	1,1	0,0	1	12,5%
Written-off interest	-25	-	-25	0,0	0,0	-	0,0%
Written-off loans	-198	-	-198	0,0	0,0	-	0,0%
Past due ratio, total	162	-	168	0,0	0,0	6	3,7%
Past due ratio, individuals	272	-	274	0,0	0,0	2	0,7%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.