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Central Bank of Russia registration number: 3402

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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.	01.03.2012	>> Turnover >>	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	291 932	177 639	257 890	0,6	0,7	-34 042	-11,7%
High liquid assets	614	10 967	2 245	17,9	0,0	1 631	265,6%
Cash and equivalents	605	10 415	2 219	17,2	0,0	1 614	266,8%
Cash	605	6 899	1 147	11,4	0,0	542	89,6%
in cash and en route	605	6 899	1 147	11,4	0,0	542	89,6%
Nostro account with Central Bank	-	3 516	1 072	-	-	1 072	-
Nostro accounts	10	552	31	55,2	0,0	21	210,0%
Residents	10	552	31	55,2	0,0	21	210,0%
Provision for impairment of high-liquid assets	-1	4	-5	4,0	0,0	-4	400,0%
Interest-earning assets	196 108	26 820	187 695	0,1	0,1	-8 413	-4,3%
Dues from banks	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	41 333	460	41 789	0,0	0,0	456	1,1%
Promissory notes	41 333	460	41 789	0,0	0,0	456	1,1%
Corporate	42 785	460	43 245	0,0	0,0	460	1,1%
Provision for impairment of promissory notes	-1 452	4	-1 456	0,0	0,0	-4	0,3%
Loans to corporate clients	61 352	4 281	57 167	0,1	0,0	-4 185	-6,8%
residents	75 918	4 281	71 637	0,1	0,0	-4 281	-5,6%
up to 30 days	-	-	-	-	-	-	-
up to 1 year	162	162	-	1,0	0,0	-162	-100,0%
up to 3 years	42 500	-	42 500	0,0	0,0	-	0,0%
more than 3 years	33 256	4 119	29 137	0,1	0,0	-4 119	-12,4%
Provision for impairment of corporate loans	-14 566	96	-14 470	0,0	0,0	96	-0,7%
residents	-14 566	96	-14 470	0,0	0,0	96	-0,7%
Loans to individuals	93 423	22 535	88 739	0,2	0,1	-4 684	-5,0%
Standard	124 619	19 370	120 249	0,2	0,1	-4 370	-3,5%
up to 180 days	15 000	15 000	-	1,0	0,1	-15 000	-100,0%
up to 1 year	1 405	25	1 380	0,0	0,0	-25	-1,8%
up to 3 years	68 779	15 000	82 652	0,2	0,1	13 873	20,2%
more than 3 years	39 435	3 218	36 217	0,1	0,0	-3 218	-8,2%
Past-due	799	178	792	0,2	0,0	-7	-0,9%
Past-due	799	178	792	0,2	0,0	-7	-0,9%
Provision for impairment of loans to individuals	-31 995	2 987	-32 302	0,1	0,0	-307	1,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	95 210	141 483	67 950	1,5	0,5	-27 260	-28,6%
Mandatory reserves with Central Bank	3 165	41	3 124	0,0	0,0	-41	-1,3%
Premises and equipment	900	1 223	875	1,4	0,0	-25	-2,8%
Purchase cost	2 919	1 197	2 854	0,4	0,0	-65	-2,2%
Depreciation	-2 019	66	-1 979	0,0	0,0	40	-2,0%
Accrued interest not yet received	-	2 361	-	-	-	-	-
Other assets	91 207	92 064	91 770	1,0	0,4	563	0,6%
Provision for impairment of other assets	-62	46 357	-27 819	747,7	0,2	-27 757	44 769,4%
LIABILITIES	110 559	124 191	103 169	1,1	0,5	-7 390	-6,7%
On demand	9 739	63 551	56 973	6,5	0,2	47 234	485,0%
Corporate clients	9 739	63 551	56 973	6,5	0,2	47 234	485,0%
Residents	9 739	63 551	56 973	6,5	0,2	47 234	485,0%
Securities issued	47 300	2 500	44 800	0,1	0,0	-2 500	-5,3%
Promissory notes	47 300	2 500	44 800	0,1	0,0	-2 500	-5,3%
on demand	29 000	2 500	26 500	0,1	0,0	-2 500	-8,6%
up to 180 days	15 800	-	15 800	0,0	0,0	-	0,0%
up to 1 year	2 500	-	2 500	0,0	0,0	-	0,0%
Other liabilities	53 520	105 374	1 396	2,0	0,4	-52 124	-97,4%
Other liabilities	537	53 212	73	99,1	0,2	-464	-86,4%
Accrued interest not yet paid	1 237	301	1 323	0,2	0,0	86	7,0%
Liabilities past-due	51 746	51 947	-	1,0	0,2	-51 746	-100,0%
EQUITY	181 373	177 538	154 721	1,0	0,7	-26 652	-14,7%
Capital	185 696	-	185 696	0,0	0,0	-	0,0%
Profit from previous years	18	126 581	4	7 032,3	0,5	-14	-77,8%
Retained earnings from previous years	18	126 581	4	7 032,3	0,5	-14	-77,8%
Current year profit	-3 884	50 957	-30 618	13,1	0,2	-26 734	688,3%
Current year retained earnings	-3 884	50 957	-30 618	13,1	0,2	-26 734	688,3%
Future expenses	-457	96	-361	0,2	0,0	96	-21,0%
OFF-BALANCE SHEET	215 972	102 019	262 025	0,5	0,4	46 053	21,3%
Contingent liabilities	-3 000	-	-3 000	0,0	0,0	-	0,0%
Guarantees issued	-3 000	-	-3 000	0,0	0,0	-	0,0%
Unused credit limits opened	-	-	-	-	-	-	-
Collateral on loans	214 636	100 033	260 569	0,5	0,4	45 933	21,4%
goods	171 836	100 033	220 269	0,6	0,4	48 433	28,2%
securities	42 800	2 500	40 300	0,1	0,0	-2 500	-5,8%
Other off-balance sheet accounts	4 336	2 106	4 456	0,5	0,0	120	2,8%
Accrued interest not yet received	4 336	2 106	4 456	0,5	0,0	120	2,8%
Past due ratio, total	40	-	41	0,0	0,0	1	2,5%
Past due ratio, individuals	64	-	65	0,0	0,0	1	1,6%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.