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Central Bank of Russia registration number: 3498

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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.	01.11.2011	>> Turnover >>	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	Turnover / amount	Turnover / assets	Period change
ASSETS	312 960	933 066	308 576	3,0	3,0	-4 384	-1,4%
High liquid assets	170 251	893 652	151 027	5,2	2,9	-19 224	-11,3%
Cash and equivalents	170 235	893 652	151 011	5,2	2,9	-19 224	-11,3%
Cash	146 797	2 487	147 136	0,0	0,0	339	0,2%
in cash and en route	454	1 393	427	3,1	0,0	-27	-5,9%
in operational cash offices	146 343	1 121	146 709	0,0	0,0	366	0,3%
Nostro account with Central Bank	23 438	891 504	3 875	38,0	2,9	-19 563	-83,5%
Money in transfer	16	-	16	0,0	0,0	-	0,0%
Interest-earning assets	137 972	45 920	152 028	0,3	0,1	14 056	10,2%
Loans to corporate clients	146 162	45 920	160 218	0,3	0,1	14 056	9,6%
residents	186 248	34 600	194 600	0,2	0,1	8 352	4,5%
up to 180 days	26 248	26 248	-	1,0	0,1	-26 248	-100,0%
up to 1 year	119 000	34 600	153 600	0,3	0,1	34 600	29,1%
more than 3 years	41 000	-	41 000	0,0	0,0	-	0,0%
Past-due	9 378	-	9 378	0,0	0,0	-	0,0%
residents	9 378	-	9 378	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-49 464	11 320	-43 760	0,2	0,0	5 704	-11,5%
residents	-49 464	11 320	-43 760	0,2	0,0	5 704	-11,5%
Loans to individuals	1 188	-	1 188	0,0	0,0	-	0,0%
Standard	1 200	-	1 200	0,0	0,0	-	0,0%
up to 1 year	1 200	-	1 200	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-12	-	-12	0,0	0,0	-	0,0%
Provision for impairment of loans past-due	-9 378	-	-9 378	0,0	0,0	-	0,0%
Other assets	4 737	8 334	5 521	1,8	0,0	784	16,6%
Mandatory reserves with Central Bank	1 946	496	2 442	0,3	0,0	496	25,5%
Premises and equipment	1 258	64	1 213	0,1	0,0	-45	-3,6%
Purchase cost	2 140	19	2 140	0,0	0,0	-	0,0%
Depreciation	-882	45	-927	0,1	0,0	-45	5,1%
Accrued interest not yet received	535	2 703	1 124	5,1	0,0	589	110,1%
Other assets	1 000	5 116	1 151	5,1	0,0	151	15,1%
Provision for impairment of other assets	-2	407	-409	203,5	0,0	-407	20 350,0%
LIABILITIES	107 734	1 033 637	99 587	9,6	3,3	-8 147	-7,6%
Dues to banks	10 900	166 000	9 000	15,2	0,5	-1 900	-17,4%
Term	10 900	166 000	9 000	15,2	0,5	-1 900	-17,4%
Residents	10 900	166 000	9 000	15,2	0,5	-1 900	-17,4%
up to 30 days	10 900	166 000	9 000	15,2	0,5	-1 900	-17,4%
On demand	72 747	831 556	62 767	11,4	2,7	-9 980	-13,7%
Corporate clients	72 747	831 556	62 767	11,4	2,7	-9 980	-13,7%
Residents	72 747	831 555	62 758	11,4	2,7	-9 989	-13,7%
Non-residents	-	10	9	-	-	9	-
Securities issued	17 245	27 613	25 660	1,6	0,1	8 415	48,8%
Promissory notes	17 245	27 613	25 660	1,6	0,1	8 415	48,8%
up to 30 days	1 000	1 001	2 001	1,0	0,0	1 001	100,1%
up to 180 days	16 248	16 533	-	1,0	0,1	-16 248	-100,0%
more than 180 days	-	26 041	26 041	-	-	26 041	-
Discount accrued	-3	2 665	-2 382	888,3	0,0	-2 379	79 300,0%
Other liabilities	6 842	16 883	2 160	2,5	0,1	-4 682	-68,4%
Other liabilities	6 842	16 777	2 160	2,5	0,1	-4 682	-68,4%
Accrued interest not yet paid	-	106	-	-	-	-	-
EQUITY	205 226	16 627	208 989	0,1	0,1	3 763	1,8%
Capital	200 000	-	200 000	0,0	0,0	-	0,0%
Profit from previous years	-16 469	-	-16 469	0,0	0,0	-	0,0%
Retained earnings from previous years	-16 469	-	-16 469	0,0	0,0	-	0,0%
Current year profit	23 331	16 549	27 017	0,7	0,1	3 686	15,8%
Current year retained earnings	23 331	16 549	27 017	0,7	0,1	3 686	15,8%
Future expenses	-1 636	78	-1 559	0,0	0,0	77	-4,7%
OFF-BALANCE SHEET	184 400	35 125	160 444	0,2	0,1	-23 956	-13,0%
Contingent liabilities	-	34 970	-23 959	-	-	-23 959	-
Unused credit limits opened	-	34 970	-23 959	-	-	-23 959	-
Collateral on loans	184 382	40	184 342	0,0	0,0	-40	-0,0%
goods	184 382	40	184 342	0,0	0,0	-40	-0,0%
Other off-balance sheet accounts	18	198	61	11,0	0,0	43	238,9%
Accrued interest not yet received	18	198	61	11,0	0,0	43	238,9%
Past due ratio, total	476	-	457	0,0	0,0	-19	-4,0%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	479	-	460	0,0	0,0	-19	-4,0%
Past due ratio, corporates + entrepreneurs	479	-	460	0,0	0,0	-19	-4,0%

You can also get acquainted with balance sheet aggregation methodics.