Balance sheet position, thous. rub.
01.11.2014
01.10.2014
01.09.2014
01.08.2014
01.07.2014
01.06.2014
01.05.2014
01.04.2014
01.03.2014
01.02.2014
01.01.2014
01.12.2013
01.11.2013
01.10.2013
01.09.2013
01.08.2013
01.07.2013
01.06.2013
01.05.2013
01.04.2013
01.03.2013
01.02.2013
01.01.2013
01.12.2012
01.11.2012
01.10.2012
01.09.2012
01.08.2012
01.07.2012
01.06.2012
01.05.2012
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
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
in roubles
in foreign crnc.
01.11.2014
01.10.2014
01.09.2014
01.08.2014
01.07.2014
01.06.2014
01.05.2014
01.04.2014
01.03.2014
01.02.2014
01.01.2014
01.12.2013
01.11.2013
01.10.2013
01.09.2013
01.08.2013
01.07.2013
01.06.2013
01.05.2013
01.04.2013
01.03.2013
01.02.2013
01.01.2013
01.12.2012
01.11.2012
01.10.2012
01.09.2012
01.08.2012
01.07.2012
01.06.2012
01.05.2012
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
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
in roubles
in foreign crnc.
Change, roubles
Change, foreign currency
ASSETS
9 348 200
9 191 409
156 791
9 198 929
9 083 388
115 541
-108 021
-41 250
High liquid assets
562 460
438 087
124 373
384 972
300 593
84 379
-137 494
-39 994
Cash and equivalents
444 693
398 914
45 779
300 859
258 687
42 172
-140 227
-3 607
Cash
274 822
229 043
45 779
271 474
229 302
42 172
259
-3 607
in cash and en route
262 190
216 412
45 778
260 118
217 947
42 171
1 535
-3 607
in ATMs
12 632
12 631
1
11 356
11 355
1
-1 276
-
Nostro account with Central Bank
169 871
169 871
-
29 385
29 385
-
-140 486
-
Nostro accounts
103 852
26 613
77 239
78 731
37 997
40 734
11 384
-36 505
Residents
103 852
26 613
77 239
78 731
37 997
40 734
11 384
-36 505
Money in transfer
37 511
36 156
1 355
29 208
27 735
1 473
-8 421
118
Provision for impairment of high-liquid assets
-23 596
-23 596
-
-23 826
-23 826
-
-230
-
Interest-earning assets
6 919 653
6 892 734
26 919
6 999 635
6 969 991
29 644
77 257
2 725
Dues from banks
591
-
591
651
-
651
-
60
Residents
591
-
591
651
-
651
-
60
up to 30 days
591
-
591
651
-
651
-
60
Securities
1 229 625
1 229 625
-
821 236
821 236
-
-408 389
-
Bonds
422 175
422 175
-
-
-
-
-422 175
-
Financial institutions bonds
18 254
18 254
-
-
-
-
-18 254
-
Valuation allowance
3 067
3 067
-
-
-
-
-3 067
-
Pledged under REPO
400 854
400 854
-
-
-
-
-400 854
-
Stocks
152 774
152 774
-
166 560
166 560
-
13 786
-
Residents
158 980
158 980
-
167 974
167 974
-
8 994
-
Valuation allowance
-6 206
-6 206
-
-1 414
-1 414
-
4 792
-
Mutual funds
654 676
654 676
-
654 676
654 676
-
-
-
Loans to corporate clients
5 337 434
5 337 434
-
5 818 296
5 818 296
-
480 862
-
residents
6 163 191
6 163 191
-
6 541 940
6 541 940
-
378 749
-
up to 30 days
16 317
16 317
-
17 814
17 814
-
1 497
-
up to 1 year
2 523 473
2 523 473
-
2 523 371
2 523 371
-
-102
-
up to 3 years
3 514 551
3 514 551
-
3 892 305
3 892 305
-
377 754
-
more than 3 years
108 850
108 850
-
108 450
108 450
-
-400
-
Past-due
237 905
237 905
-
267 824
267 824
-
29 919
-
residents
237 905
237 905
-
267 824
267 824
-
29 919
-
Provision for impairment of corporate loans
-1 063 662
-1 063 662
-
-991 468
-991 468
-
72 194
-
residents
-1 063 662
-1 063 662
-
-991 468
-991 468
-
72 194
-
Loans to private entrepreneurs
2 955
2 955
-
3 020
3 020
-
65
-
up to 30 days
3
3
-
69
69
-
66
-
up to 3 years
2 952
2 952
-
2 952
2 952
-
-
-
Provision for impairment of loans to private entrepreneurs
-
-
-
-1
-1
-
-1
-
Loans to individuals
349 048
322 720
26 328
356 432
327 439
28 993
4 719
2 665
Standard
378 697
364 464
14 233
363 230
347 698
15 532
-16 766
1 299
up to 30 days
88 575
88 170
405
88 756
88 309
447
139
42
up to 180 days
300
300
-
200
200
-
-100
-
up to 1 year
2 301
2 301
-
2 199
2 199
-
-102
-
up to 3 years
185 629
175 085
10 544
142 322
130 752
11 570
-44 333
1 026
more than 3 years
101 892
98 608
3 284
129 753
126 238
3 515
27 630
231
Past-due
39 195
27 100
12 095
81 717
68 256
13 461
41 156
1 366
Past-due
39 195
27 100
12 095
81 717
68 256
13 461
41 156
1 366
Provision for impairment of loans to individuals
-68 844
-68 844
-
-88 515
-88 515
-
-19 671
-
Other assets
1 866 087
1 860 588
5 499
1 814 322
1 812 804
1 518
-47 784
-3 981
Mandatory reserves with Central Bank
255 820
255 820
-
262 712
262 712
-
6 892
-
Premises and equipment
1 178 889
1 178 889
-
1 178 646
1 178 646
-
-243
-
Purchase cost
1 192 591
1 192 591
-
1 192 853
1 192 853
-
262
-
Depreciation
-13 702
-13 702
-
-14 207
-14 207
-
-505
-
Accrued interest not yet received
7 387
7 342
45
7 363
7 316
47
-26
2
Assets under management
1 217
1 217
-
1 217
1 217
-
-
-
Other assets
708 372
702 918
5 454
647 552
646 081
1 471
-56 837
-3 983
Provision for impairment of other assets
-285 598
-285 598
-
-283 168
-283 168
-
2 430
-
LIABILITIES
8 291 860
7 787 787
504 073
8 151 306
7 617 654
533 652
-170 133
29 579
Dues to banks
35
35
-
25
25
-
-10
-
Other dues to banks
35
35
-
25
25
-
-10
-
On demand
2 124 883
2 051 806
73 077
1 599 409
1 486 974
112 435
-564 832
39 358
Corporate clients
667 138
661 617
5 521
720 182
716 289
3 893
54 672
-1 628
State-owned enterprises
4 139
4 139
-
6 133
6 133
-
1 994
-
Residents
660 225
657 461
2 764
713 629
709 736
3 893
52 275
1 129
Non-residents
2 774
17
2 757
420
420
-
403
-2 757
Individuals
932 170
864 614
67 556
857 931
749 389
108 542
-115 225
40 986
Residents
912 033
849 692
62 341
811 992
736 772
75 220
-112 920
12 879
Non-residents
20 137
14 922
5 215
45 939
12 617
33 322
-2 305
28 107
Brokerage accounts
525 575
525 575
-
21 296
21 296
-
-504 279
-
Residents
522 122
522 122
-
21 296
21 296
-
-500 826
-
Non-residents
3 453
3 453
-
-
-
-
-3 453
-
Term
5 060 721
4 659 655
401 066
5 631 630
5 217 634
413 996
557 979
12 930
Corporate clients
417 520
417 520
-
237 126
237 126
-
-180 394
-
Residents
367 520
367 520
-
187 126
187 126
-
-180 394
-
up to 180 days
101 300
101 300
-
125 422
125 422
-
24 122
-
up to 1 year
206 113
206 113
-
1 596
1 596
-
-204 517
-
up to 3 years
107
107
-
108
108
-
1
-
more than 3 years
60 000
60 000
-
60 000
60 000
-
-
-
Non-residents
50 000
50 000
-
50 000
50 000
-
-
-
more than 3 years
50 000
50 000
-
50 000
50 000
-
-
-
Individuals
4 643 201
4 242 135
401 066
5 394 504
4 980 508
413 996
738 373
12 930
residents
4 614 973
4 217 552
397 421
5 364 235
4 954 732
409 503
737 180
12 082
up to 180 days
531 614
442 274
89 340
632 741
551 742
80 999
109 468
-8 341
up to 1 year
1 081 966
968 136
113 830
1 077 458
958 258
119 200
-9 878
5 370
up to 3 years
2 900 887
2 707 424
193 463
3 611 345
3 402 909
208 436
695 485
14 973
more than 3 years
100 506
99 718
788
42 691
41 823
868
-57 895
80
non-residents
28 228
24 583
3 645
30 269
25 776
4 493
1 193
848
up to 180 days
5 070
2 985
2 085
7 231
4 807
2 424
1 822
339
up to 1 year
13 183
11 670
1 513
10 594
8 576
2 018
-3 094
505
up to 3 years
9 602
9 555
47
12 062
12 011
51
2 456
4
more than 3 years
373
373
-
382
382
-
9
-
Securities issued
944
944
-
-
-
-
-944
-
Promissory notes
944
944
-
-
-
-
-944
-
on demand
1 000
1 000
-
-
-
-
-1 000
-
Discount accrued
-56
-56
-
-
-
-
56
-
Other liabilities
1 105 277
1 075 347
29 930
920 242
913 021
7 221
-162 326
-22 709
Other liabilities
1 094 188
1 064 263
29 925
911 604
904 388
7 216
-159 875
-22 709
Accrued interest not yet paid
9 600
9 595
5
7 149
7 144
5
-2 451
-
Deferred tax liabilities
1 489
1 489
-
1 489
1 489
-
-
-
EQUITY
1 056 340
1 056 340
-
1 047 623
1 047 623
-
-8 717
-
Capital
351 656
351 656
-
351 656
351 656
-
-
-
Profit from previous years
431 615
431 615
-
431 615
431 615
-
-
-
Retained earnings from previous years
431 615
431 615
-
431 615
431 615
-
-
-
Current year profit
301 276
301 276
-
294 175
294 175
-
-7 101
-
Current year retained earnings
301 276
301 276
-
294 175
294 175
-
-7 101
-
Future expenses
-28 207
-28 207
-
-29 823
-29 823
-
-1 616
-
OFF-BALANCE SHEET
1 664 919
1 664 092
827
1 943 698
1 942 653
1 045
278 561
218
Contingent liabilities
-1 123 894
-1 123 265
-629
-1 069 920
-1 069 227
-693
54 038
-64
Unused credit limits opened
-1 123 894
-1 123 265
-629
-1 069 920
-1 069 227
-693
54 038
-64
Collateral on loans
1 824 817
1 824 817
-
1 813 436
1 813 436
-
-11 381
-
goods
1 455 553
1 455 553
-
1 444 172
1 444 172
-
-11 381
-
securities
369 264
369 264
-
369 264
369 264
-
-
-
Unprocessed payments
872 988
872 988
-
1 094 677
1 094 677
-
221 689
-
Due to lack of funds on client accounts
872 988
872 988
-
1 094 677
1 094 677
-
221 689
-
Other off-balance sheet accounts
91 008
89 552
1 456
105 505
103 767
1 738
14 215
282
Accrued interest not yet received
104 093
102 637
1 456
118 590
116 852
1 738
14 215
282
Written-off interest
-3 418
-3 418
-
-3 418
-3 418
-
-
-
Written-off loans
-9 667
-9 667
-
-9 667
-9 667
-
-
-
Credit card balances
88 575
88 170
405
88 756
88 309
447
139
42
Past due ratio, total
406
390
16
482
465
17
75
1
Past due ratio, individuals
938
692
246
1 837
1 641
196
949
-50
Past due ratio, corporates
372
372
0
393
393
-0
22
-1
Past due ratio, corporates + entrepreneurs
371
371
-0
393
393
-0
22
0
Risk-weighted assets
11 123 122
11 123 122
-
10 866 356
10 866 356
-
-256 766
-
Past-due rate:
4,06%
3,90%
45,94%
4,82%
4,65%
46,43%
0,75%
0,49%
corporate clients:
3,71%
3,71%
-
3,93%
3,93%
-
0,22%
0,00%
individuals:
9,38%
6,92%
45,94%
18,37%
16,41%
46,43%
9,49%
0,49%