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Central Bank of Russia registration number: 899

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Balance Profit Profitability

IFRS reports

Financial analysis

• 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.	01.05.2009	>> Turnover >>	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	127 859	42 077	103 190	0,3	0,4	-24 669	-19,3%
High liquid assets	88 933	27 694	66 228	0,3	0,3	-22 705	-25,5%
Cash and equivalents	60 007	9 100	55 823	0,2	0,1	-4 184	-7,0%
Cash	1 652	166	1 704	0,1	0,0	52	3,1%
in cash and en route	1 652	166	1 704	0,1	0,0	52	3,1%
Nostro account with Central Bank	58 355	8 986	54 119	0,2	0,1	-4 236	-7,3%
Nostro accounts	28 709	18 313	10 405	0,6	0,2	-18 304	-63,8%
Residents	28 709	18 313	10 405	0,6	0,2	-18 304	-63,8%
Money in transfer	217	281	-	1,3	0,0	-217	-100,0%
Interest-earning assets	18 063	1 757	18 109	0,1	0,0	46	0,3%
Loans to corporate clients	8 616	-	8 616	0,0	0,0	-	0,0%
residents	8 616	-	8 616	0,0	0,0	-	0,0%
up to 1 year	8 616	-	8 616	0,0	0,0	-	0,0%
Loans to individuals	9 585	1 753	9 838	0,2	0,0	253	2,6%
Standard	9 470	1 137	8 356	0,1	0,0	-1 114	-11,8%
up to 30 days	3	3	-	1,0	0,0	-3	-100,0%
up to 1 year	9 467	1 134	8 356	0,1	0,0	-1 111	-11,7%
Past-due	498	1 692	2 124	3,4	0,0	1 626	326,5%
Past-due	498	1 692	2 124	3,4	0,0	1 626	326,5%
Provision for impairment of loans to individuals	-383	297	-642	0,8	0,0	-259	67,6%
Provision for impairment of loans past-due	-138	211	-345	1,5	0,0	-207	150,0%
Other assets	20 863	12 672	18 853	0,6	0,1	-2 010	-9,6%
Mandatory reserves with Central Bank	3	1	4	0,3	0,0	1	33,3%
Premises and equipment	8 575	911	8 348	0,1	0,0	-227	-2,6%
Purchase cost	9 612	692	9 604	0,1	0,0	-8	-0,1%
Depreciation	-1 037	219	-1 256	0,2	0,0	-219	21,1%
Accrued interest not yet received	40	1 160	138	29,0	0,0	98	245,0%
Other assets	12 282	10 691	10 380	0,9	0,1	-1 902	-15,5%
Provision for impairment of other assets	-37	28	-17	0,8	0,0	20	-54,1%
LIABILITIES	1 543	20 477	1 182	13,3	0,2	-361	-23,4%
Dues to banks	7	7	-	1,0	0,0	-7	-100,0%
Term	7	7	-	1,0	0,0	-7	-100,0%
Residents	7	7	-	1,0	0,0	-7	-100,0%
up to 30 days	7	7	-	1,0	0,0	-7	-100,0%
On demand	822	760	356	0,9	0,0	-466	-56,7%
Corporate clients	109	103	43	0,9	0,0	-66	-60,6%
State-owned enterprises	4	-	4	0,0	0,0	-	0,0%
Residents	105	103	39	1,0	0,0	-66	-62,9%
Individuals	713	657	313	0,9	0,0	-400	-56,1%
Residents	713	657	313	0,9	0,0	-400	-56,1%
Other liabilities	714	19 822	826	27,8	0,2	112	15,7%
Other liabilities	714	19 822	826	27,8	0,2	112	15,7%
EQUITY	126 316	131 065	102 008	1,0	1,3	-24 308	-19,2%
Capital	21 635	5 054	26 689	0,2	0,0	5 054	23,4%
Profit from previous years	113 685	101 079	108 631	0,9	1,0	-5 054	-4,4%
Retained earnings from previous years	113 685	101 079	108 631	0,9	1,0	-5 054	-4,4%
Current year profit	10 531	29 668	-17 860	2,8	0,3	-28 391	-269,6%
Current year retained earnings	10 531	29 668	-17 860	2,8	0,3	-28 391	-269,6%
Future expenses	-19 535	4 401	-15 452	0,2	0,0	4 083	-20,9%
OFF-BALANCE SHEET	1 185	1 921	3 066	1,6	0,0	1 881	158,7%
Unused credit limits available	3 993	7	4 000	0,0	0,0	7	0,2%
Contingent liabilities	-2 407	1 831	-578	0,8	0,0	1 829	-76,0%
Unused credit limits opened	-2 407	1 831	-578	0,8	0,0	1 829	-76,0%
Other off-balance sheet accounts	-401	83	-356	0,2	0,0	45	-11,2%
Accrued interest not yet received	20	83	65	4,2	0,0	45	225,0%
Written-off interest	-223	-	-223	0,0	0,0	-	0,0%
Written-off loans	-198	-	-198	0,0	0,0	-	0,0%
Credit card balances	3	3	-	1,0	0,0	-3	-100,0%
Past due ratio, total	268	-	1 112	0,0	0,0	844	314,9%
Past due ratio, individuals	500	-	2 027	0,0	0,0	1 527	305,4%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.