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Central Bank of Russia registration number: 3201

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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.	01.06.2010	>> Turnover >>	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	294 078	753 784	255 487	2,6	3,0	-38 591	-13,1%
High liquid assets	102 139	649 506	74 261	6,4	2,5	-27 878	-27,3%
Cash and equivalents	55 311	602 067	21 854	10,9	2,4	-33 457	-60,5%
Cash	24 107	299 049	4 588	12,4	1,2	-19 519	-81,0%
in cash and en route	24 107	299 049	4 588	12,4	1,2	-19 519	-81,0%
Nostro account with Central Bank	31 204	303 018	17 266	9,7	1,2	-13 938	-44,7%
Nostro accounts	46 829	53 018	52 408	1,1	0,2	5 579	11,9%
Non-residents	20 634	21 672	92	1,1	0,1	-20 542	-99,6%
Residents	26 195	51 888	52 316	2,0	0,2	26 121	99,7%
Provision for impairment of high-liquid assets	-1	-	-1	0,0	0,0	-	0,0%
Interest-earning assets	178 066	64 095	168 863	0,4	0,3	-9 203	-5,2%
Dues from banks	-	50 000	-	-	-	-	-
Residents	-	50 000	-	-	-	-	-
up to 30 days	-	50 000	-	-	-	-	-
Loans past-due	30 046	-	30 046	0,0	0,0	-	0,0%
residents	30 046	-	30 046	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-30 046	-	-30 046	0,0	0,0	-	0,0%
Securities	36 560	1 421	36 857	0,0	0,0	297	0,8%
Bonds	26 345	1 196	26 913	0,0	0,0	568	2,2%
Federal Loan Bonds (OFZs), OBRs	28 485	202	28 458	0,0	0,0	-27	-0,1%
Corporate bonds	27 243	426	27 669	0,0	0,0	426	1,6%
Valuation allowance	-2 140	595	-1 545	0,3	0,0	595	-27,8%
Past-due	33 299	-	33 299	0,0	0,0	-	0,0%
Provision for impairment of bonds	-60 542	426	-60 968	0,0	0,0	-426	0,7%
Stocks	10 215	496	9 944	0,0	0,0	-271	-2,7%
Residents	12 732	-	12 732	0,0	0,0	-	0,0%
Valuation allowance	-2 517	496	-2 788	0,2	0,0	-271	10,8%
Loans to corporate clients	145 238	12 215	136 477	0,1	0,0	-8 761	-6,0%
residents	139 154	12 173	129 274	0,1	0,0	-9 880	-7,1%
up to 1 year	114 016	10 794	105 515	0,1	0,0	-8 501	-7,5%
up to 3 years	23 090	530	22 560	0,0	0,0	-530	-2,3%
more than 3 years	2 048	849	1 199	0,4	0,0	-849	-41,5%
Past-due	17 672	-	17 672	0,0	0,0	-	0,0%
residents	17 672	-	17 672	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-11 588	1 161	-10 469	0,1	0,0	1 119	-9,7%
residents	-11 588	1 161	-10 469	0,1	0,0	1 119	-9,7%
Loans to individuals	13 940	756	13 201	0,1	0,0	-739	-5,3%
Standard	14 030	408	13 622	0,0	0,0	-408	-2,9%
up to 1 year	233	82	151	0,4	0,0	-82	-35,2%
up to 3 years	1 424	109	1 315	0,1	0,0	-109	-7,7%
more than 3 years	12 373	217	12 156	0,0	0,0	-217	-1,8%
Past-due	-	-	-	-	-	-	-
Past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-90	348	-421	3,9	0,0	-331	367,8%
Provision for impairment of loans past-due	-17 672	-	-17 672	0,0	0,0	-	0,0%
Other assets	13 873	40 183	12 363	2,9	0,2	-1 510	-10,9%
Mandatory reserves with Central Bank	5 799	2 593	3 206	0,4	0,0	-2 593	-44,7%
Premises and equipment	3 177	3 929	2 569	1,2	0,0	-608	-19,1%
Purchase cost	11 787	3 815	10 060	0,3	0,0	-1 727	-14,7%
Depreciation	-8 610	1 233	-7 491	0,1	0,0	1 119	-13,0%
Accrued interest not yet received	2 017	2 055	1 883	1,0	0,0	-134	-6,6%
Other assets	11 888	31 450	10 034	2,6	0,1	-1 854	-15,6%
Provision for impairment of other assets	-9 008	3 835	-5 329	0,4	0,0	3 679	-40,8%
LIABILITIES	145 076	472 787	104 238	3,3	1,9	-40 838	-28,1%
On demand	96 197	443 658	56 270	4,6	1,7	-39 927	-41,5%
Corporate clients	94 212	428 748	56 113	4,6	1,7	-38 099	-40,4%
State-owned enterprises	1 724	4 551	282	2,6	0,0	-1 442	-83,6%
Residents	43 043	417 365	7 871	9,7	1,6	-35 172	-81,7%
Non-residents	49 445	6 832	47 960	0,1	0,0	-1 485	-3,0%
Individuals	1 566	14 491	157	9,3	0,1	-1 409	-90,0%
Residents	1 566	14 491	157	9,3	0,1	-1 409	-90,0%
Brokerage accounts	419	419	-	1,0	0,0	-419	-100,0%
Residents	419	419	-	1,0	0,0	-419	-100,0%
Term	44 315	3 401	45 005	0,1	0,0	690	1,6%
Corporate clients	43 951	3 305	44 960	0,1	0,0	1 009	2,3%
Non-residents	43 951	3 305	44 960	0,1	0,0	1 009	2,3%
more than 3 years	43 951	3 305	44 960	0,1	0,0	1 009	2,3%
Individuals	364	415	45	1,1	0,0	-319	-87,6%
residents	364	415	45	1,1	0,0	-319	-87,6%
up to 180 days	55	68	-	1,2	0,0	-55	-100,0%
up to 1 year	309	347	45	1,1	0,0	-264	-85,4%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-	-
Other liabilities	4 564	26 418	2 963	5,8	0,1	-1 601	-35,1%
Other liabilities	1 017	24 087	1 104	23,7	0,1	87	8,6%
Accrued interest not yet paid	3 547	2 418	1 859	0,7	0,0	-1 688	-47,6%
EQUITY	149 002	22 337	151 249	0,1	0,1	2 247	1,5%
Capital	151 218	820	151 542	0,0	0,0	324	0,2%
Profit from previous years	71 450	-	71 450	0,0	0,0	-	0,0%
Retained earnings from previous years	71 450	-	71 450	0,0	0,0	-	0,0%
Current year profit	-73 134	21 388	-71 331	0,3	0,1	1 803	-2,5%
Current year retained earnings	-73 134	21 388	-71 331	0,3	0,1	1 803	-2,5%
Future expenses	-532	129	-412	0,2	0,0	120	-22,6%
OFF-BALANCE SHEET	123 414	17 517	140 925	0,1	0,1	17 511	14,2%
Unused credit limits available	-	-	-	-	-	-	-
Contingent liabilities	-17 480	17 480	-	1,0	0,1	17 480	-100,0%
Unused credit limits opened	-17 480	17 480	-	1,0	0,1	17 480	-100,0%
Collateral on loans	141 189	-	141 189	0,0	0,0	-	0,0%
goods	141 189	-	141 189	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-295	37	-264	0,1	0,0	31	-10,5%
Accrued interest not yet received	68	34	102	0,5	0,0	34	50,0%
Written-off interest	-183	3	-186	0,0	0,0	-3	1,6%
Written-off loans	-180	-	-180	0,0	0,0	-	0,0%
Past due ratio, total	1 034	-	1 101	0,0	0,0	67	6,5%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	1 127	-	1 203	0,0	0,0	76	6,7%
Past due ratio, corporates + entrepreneurs	1 127	-	1 203	0,0	0,0	76	6,7%

You can also get acquainted with balance sheet aggregation methodics.