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	BANK DOLGOSROCHNOGO KREDITOVANIYAI want to buy a report	add to comparison
Central Bank of Russia registration number: 3391

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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.	01.11.2010	>> Turnover >>	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	Turnover / amount	Turnover / assets	Period change
ASSETS	543 794	647 528	562 743	1,2	1,2	18 949	3,5%
High liquid assets	51 847	195 510	70 708	3,8	0,3	18 861	36,4%
Cash and equivalents	10 776	155 480	29 935	14,4	0,3	19 159	177,8%
Cash	7 849	6 676	6 003	0,9	0,0	-1 846	-23,5%
in cash and en route	7 849	6 676	6 003	0,9	0,0	-1 846	-23,5%
Nostro account with Central Bank	2 927	150 650	23 932	51,5	0,3	21 005	717,6%
Nostro accounts	41 077	40 328	40 779	1,0	0,1	-298	-0,7%
Residents	41 077	40 328	40 779	1,0	0,1	-298	-0,7%
Provision for impairment of high-liquid assets	-6	-	-6	0,0	0,0	-	0,0%
Interest-earning assets	478 809	168 809	479 622	0,4	0,3	813	0,2%
Securities	445 693	134 390	448 355	0,3	0,2	2 662	0,6%
Bonds	423 785	127 536	426 139	0,3	0,2	2 354	0,6%
Federal Loan Bonds (OFZs), OBRs	132 504	56 712	109 169	0,4	0,1	-23 335	-17,6%
Corporate bonds	292 912	91 629	318 207	0,3	0,2	25 295	8,6%
Financial institutions bonds	-	-	-	-	-	-	-
Valuation allowance	-1 631	2 530	-1 237	1,6	0,0	394	-24,2%
Promissory notes	21 908	6 854	22 216	0,3	0,0	308	1,4%
Corporate	21 908	308	22 216	0,0	0,0	308	1,4%
Banks	-	6 546	-	-	-	-	-
Loans to corporate clients	20 874	4 930	19 804	0,2	0,0	-1 070	-5,1%
residents	21 031	3 700	24 489	0,2	0,0	3 458	16,4%
up to 1 year	2 524	3 700	6 224	1,5	0,0	3 700	146,6%
up to 3 years	13 350	200	13 150	0,0	0,0	-200	-1,5%
more than 3 years	5 157	42	5 115	0,0	0,0	-42	-0,8%
Past-due	125	53	178	0,4	0,0	53	42,4%
residents	125	53	178	0,4	0,0	53	42,4%
Provision for impairment of corporate loans	-282	4 688	-4 863	16,6	0,0	-4 581	1 624,5%
residents	-282	4 688	-4 863	16,6	0,0	-4 581	1 624,5%
Loans to private entrepreneurs	470	120	350	0,3	0,0	-120	-25,5%
up to 3 years	470	120	350	0,3	0,0	-120	-25,5%
Loans to individuals	13 821	31 114	13 186	2,3	0,1	-635	-4,6%
Standard	13 206	30 340	42 981	2,3	0,1	29 775	225,5%
up to 180 days	-	15 650	15 650	-	-	15 650	-
up to 1 year	651	5 070	5 700	7,8	0,0	5 049	775,6%
up to 3 years	2 695	9 520	12 115	3,5	0,0	9 420	349,5%
more than 3 years	9 860	444	9 516	0,0	0,0	-344	-3,5%
Past-due	1 941	98	1 906	0,1	0,0	-35	-1,8%
Past-due	1 941	98	1 906	0,1	0,0	-35	-1,8%
Provision for impairment of loans to individuals	-1 326	30 451	-31 701	23,0	0,1	-30 375	2 290,7%
Provision for impairment of loans past-due	-2 049	104	-2 073	0,1	0,0	-24	1,2%
Other assets	13 138	283 934	12 413	21,6	0,5	-725	-5,5%
Mandatory reserves with Central Bank	6 677	995	5 689	0,1	0,0	-988	-14,8%
Premises and equipment	8 455	130 609	8 180	15,4	0,2	-275	-3,3%
Purchase cost	18 081	130 332	18 056	7,2	0,2	-25	-0,1%
Depreciation	-9 626	277	-9 876	0,0	0,0	-250	2,6%
Accrued interest not yet received	50	59	99	1,2	0,0	49	98,0%
Other assets	2 681	150 304	2 596	56,1	0,3	-85	-3,2%
Provision for impairment of other assets	-4 725	2 590	-4 151	0,5	0,0	574	-12,1%
LIABILITIES	358 456	419 267	391 574	1,2	0,7	33 118	9,2%
Dues to banks	40 556	10 551	30 005	0,3	0,0	-10 551	-26,0%
On demand	10 556	10 551	5	1,0	0,0	-10 551	-100,0%
Residents	10 556	10 551	5	1,0	0,0	-10 551	-100,0%
Other dues to banks	30 000	-	30 000	0,0	0,0	-	0,0%
On demand	268 700	220 326	234 114	0,8	0,4	-34 586	-12,9%
Corporate clients	268 700	220 326	234 114	0,8	0,4	-34 586	-12,9%
State-owned enterprises	-	-	-	-	-	-	-
Residents	268 078	220 287	233 529	0,8	0,4	-34 549	-12,9%
Non-residents	622	39	585	0,1	0,0	-37	-5,9%
Term	35 078	14	35 081	0,0	0,0	3	0,0%
Corporate clients	35 000	-	35 000	0,0	0,0	-	0,0%
Residents	35 000	-	35 000	0,0	0,0	-	0,0%
up to 1 year	10 000	-	10 000	0,0	0,0	-	0,0%
up to 3 years	5 000	-	5 000	0,0	0,0	-	0,0%
more than 3 years	20 000	-	20 000	0,0	0,0	-	0,0%
Individuals	78	14	81	0,2	0,0	3	3,8%
residents	78	14	81	0,2	0,0	3	3,8%
up to 30 days	30	3	33	0,1	0,0	3	10,0%
up to 180 days	15	11	23	0,7	0,0	8	53,3%
up to 1 year	33	8	25	0,2	0,0	-8	-24,2%
Securities issued	2 317	88 439	87 002	38,2	0,2	84 685	3 654,9%
Promissory notes	2 317	88 439	87 002	38,2	0,2	84 685	3 654,9%
up to 30 days	1 580	48 439	46 265	30,7	0,1	44 685	2 828,2%
more than 180 days	737	40 000	40 737	54,3	0,1	40 000	5 427,4%
Other liabilities	11 805	151 507	5 372	12,8	0,3	-6 433	-54,5%
Other liabilities	10 139	151 280	3 305	14,9	0,3	-6 834	-67,4%
Accrued interest not yet paid	1 666	628	2 067	0,4	0,0	401	24,1%
EQUITY	185 338	54 746	171 169	0,3	0,1	-14 169	-7,6%
Capital	152 517	-	152 517	0,0	0,0	-	0,0%
Profit from previous years	10 658	-	10 658	0,0	0,0	-	0,0%
Retained earnings from previous years	10 658	-	10 658	0,0	0,0	-	0,0%
Current year profit	25 194	54 470	10 844	2,2	0,1	-14 350	-57,0%
Current year retained earnings	25 194	54 470	10 844	2,2	0,1	-14 350	-57,0%
Future expenses	-3 031	457	-2 850	0,2	0,0	181	-6,0%
OFF-BALANCE SHEET	-50 014	8 045	-42 632	0,2	0,0	7 382	-14,8%
Contingent liabilities	-88 124	7 994	-80 768	0,1	0,0	7 356	-8,3%
Guarantees issued	-88 064	7 994	-80 708	0,1	0,0	7 356	-8,4%
Unused credit limits opened	-60	-	-60	0,0	0,0	-	0,0%
Collateral on loans	38 344	-	38 344	0,0	0,0	-	0,0%
goods	38 344	-	38 344	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-234	51	-208	0,2	0,0	26	-11,1%
Accrued interest not yet received	100	51	126	0,5	0,0	26	26,0%
Written-off loans	-334	-	-334	0,0	0,0	-	0,0%
Past due ratio, total	562	-	298	0,0	0,0	-264	-47,0%
Past due ratio, individuals	1 281	-	425	0,0	0,0	-856	-66,8%
Past due ratio, corporates	59	-	72	0,0	0,0	13	22,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	58	-	71	0,0	0,0	13	22,4%

You can also get acquainted with balance sheet aggregation methodics.