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Central Bank of Russia registration number: 922

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Balance Profit Profitability

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.	01.10.2010	>> Turnover >>	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	Turnover / amount	Turnover / assets	Period change
ASSETS	2 265 738	3 236 411	2 314 480	1,4	1,4	48 742	2,2%
High liquid assets	178 990	2 629 988	126 794	14,7	1,1	-52 196	-29,2%
Cash and equivalents	176 474	2 561 533	120 137	14,5	1,1	-56 337	-31,9%
Cash	75 809	515 554	69 276	6,8	0,2	-6 533	-8,6%
in cash and en route	67 655	464 812	60 701	6,9	0,2	-6 954	-10,3%
in operational cash offices	6 061	36 483	4 937	6,0	0,0	-1 124	-18,5%
in ATMs	2 093	15 804	3 638	7,6	0,0	1 545	73,8%
Nostro account with Central Bank	100 665	2 045 979	50 861	20,3	0,9	-49 804	-49,5%
Nostro accounts	1 420	17 598	3 273	12,4	0,0	1 853	130,5%
Residents	1 420	17 598	3 273	12,4	0,0	1 853	130,5%
Money in transfer	1 096	54 998	3 384	50,2	0,0	2 288	208,8%
Interest-earning assets	1 768 771	219 835	1 851 705	0,1	0,1	82 934	4,7%
Dues from banks	455	33	461	0,1	0,0	6	1,3%
Residents	455	33	461	0,1	0,0	6	1,3%
up to 30 days	455	33	461	0,1	0,0	6	1,3%
Loans to corporate clients	1 651 508	170 340	1 704 959	0,1	0,1	53 451	3,2%
residents	1 989 730	106 582	2 077 472	0,1	0,0	87 742	4,4%
up to 30 days	1 273	22 859	8 833	18,0	0,0	7 560	593,9%
up to 1 year	529 400	80 651	609 153	0,2	0,0	79 753	15,1%
up to 3 years	1 437 934	3 072	1 438 363	0,0	0,0	429	0,0%
more than 3 years	21 123	-	21 123	0,0	0,0	-	0,0%
Past-due	18 714	17 220	1 538	0,9	0,0	-17 176	-91,8%
residents	18 714	17 220	1 538	0,9	0,0	-17 176	-91,8%
Provision for impairment of corporate loans	-356 936	80 829	-374 051	0,2	0,0	-17 115	4,8%
residents	-356 936	80 829	-374 051	0,2	0,0	-17 115	4,8%
Loans to private entrepreneurs	23 837	6 046	25 975	0,3	0,0	2 138	9,0%
up to 30 days	544	4 763	2 873	8,8	0,0	2 329	428,1%
up to 1 year	1 000	237	763	0,2	0,0	-237	-23,7%
up to 3 years	9 142	1 000	9 710	0,1	0,0	568	6,2%
more than 3 years	13 312	376	12 936	0,0	0,0	-376	-2,8%
Past-due	895	180	715	0,2	0,0	-180	-20,1%
Provision for impairment of loans to private entrepreneurs	-1 056	283	-1 022	0,3	0,0	34	-3,2%
Loans to individuals	125 785	39 272	150 833	0,3	0,0	25 048	19,9%
Standard	106 265	34 703	132 744	0,3	0,0	26 479	24,9%
up to 30 days	614	1 095	526	1,8	0,0	-88	-14,3%
up to 180 days	29	9	20	0,3	0,0	-9	-31,0%
up to 1 year	4 368	527	3 961	0,1	0,0	-407	-9,3%
up to 3 years	39 809	3 119	37 553	0,1	0,0	-2 256	-5,7%
more than 3 years	61 445	32 713	90 684	0,5	0,0	29 239	47,6%
Past-due	35 248	3 009	36 601	0,1	0,0	1 353	3,8%
Past-due	35 248	3 009	36 601	0,1	0,0	1 353	3,8%
Provision for impairment of loans to individuals	-15 728	4 344	-18 512	0,3	0,0	-2 784	17,7%
Provision for impairment of loans past-due	-32 814	4 144	-30 523	0,1	0,0	2 291	-7,0%
Other assets	317 977	438 784	335 981	1,4	0,2	18 004	5,7%
Mandatory reserves with Central Bank	34 584	1 604	36 188	0,0	0,0	1 604	4,6%
Premises and equipment	178 885	9 270	187 425	0,1	0,0	8 540	4,8%
Purchase cost	204 515	9 270	213 678	0,0	0,0	9 163	4,5%
Depreciation	-25 630	623	-26 253	0,0	0,0	-623	2,4%
Accrued interest not yet received	679	35 539	18 658	52,3	0,0	17 979	2 647,9%
Other assets	135 070	394 073	126 772	2,9	0,2	-8 298	-6,1%
Provision for impairment of other assets	-31 241	8 417	-33 062	0,3	0,0	-1 821	5,8%
LIABILITIES	1 968 685	4 828 201	2 040 307	2,5	2,1	71 622	3,6%
Dues to banks	-	22	-	-	-	-	-
Other dues to banks	-	22	-	-	-	-	-
On demand	282 392	4 556 472	290 125	16,1	2,0	7 733	2,7%
Corporate clients	232 430	4 366 127	256 084	18,8	1,9	23 654	10,2%
Residents	232 428	4 354 394	256 082	18,7	1,9	23 654	10,2%
Non-residents	2	11 733	2	5 866,5	0,0	-	0,0%
Individuals	49 962	206 266	34 041	4,1	0,1	-15 921	-31,9%
Residents	48 652	206 152	32 695	4,2	0,1	-15 957	-32,8%
Non-residents	1 310	150	1 346	0,1	0,0	36	2,7%
Term	1 674 483	177 417	1 733 257	0,1	0,1	58 774	3,5%
Corporate clients	2 061	75 034	77 061	36,4	0,0	75 000	3 639,0%
Residents	2 061	75 034	77 061	36,4	0,0	75 000	3 639,0%
up to 180 days	348	34	348	0,1	0,0	-	0,0%
up to 1 year	1 702	-	1 702	0,0	0,0	-	0,0%
up to 3 years	9	-	9	0,0	0,0	-	0,0%
more than 3 years	2	75 000	75 002	37 500,0	0,0	75 000	3 750 000,0%
Individuals	1 672 422	118 609	1 656 196	0,1	0,1	-16 226	-1,0%
residents	1 672 251	118 583	1 656 049	0,1	0,1	-16 202	-1,0%
up to 180 days	220 967	22 970	210 075	0,1	0,0	-10 892	-4,9%
up to 1 year	363 508	61 851	323 084	0,2	0,0	-40 424	-11,1%
up to 3 years	1 087 774	68 876	1 122 888	0,1	0,0	35 114	3,2%
more than 3 years	2	-	2	0,0	0,0	-	0,0%
non-residents	171	26	147	0,2	0,0	-24	-14,0%
up to 180 days	171	26	147	0,2	0,0	-24	-14,0%
up to 1 year	-	-	-	-	-	-	-
Other liabilities	11 810	94 290	16 925	8,0	0,0	5 115	43,3%
Other liabilities	2 786	80 347	8 153	28,8	0,0	5 367	192,6%
Accrued interest not yet paid	9 024	14 195	8 772	1,6	0,0	-252	-2,8%
EQUITY	297 053	141 976	274 173	0,5	0,1	-22 880	-7,7%
Capital	272 565	-	272 565	0,0	0,0	-	0,0%
Current year profit	24 752	141 956	1 823	5,7	0,1	-22 929	-92,6%
Current year retained earnings	24 752	141 956	1 823	5,7	0,1	-22 929	-92,6%
Future expenses	-264	69	-215	0,3	0,0	49	-18,6%
OFF-BALANCE SHEET	1 092 122	257 446	1 335 433	0,2	0,1	243 311	22,3%
Contingent liabilities	-26 690	29 359	-17 714	1,1	0,0	8 976	-33,6%
Guarantees issued	-315	-	-315	0,0	0,0	-	0,0%
Unused credit limits opened	-26 375	29 359	-17 399	1,1	0,0	8 976	-34,0%
Collateral on loans	1 104 337	236 074	1 337 810	0,2	0,1	233 473	21,1%
goods	1 104 337	236 074	1 337 810	0,2	0,1	233 473	21,1%
Other off-balance sheet accounts	14 475	1 851	15 337	0,1	0,0	862	6,0%
Accrued interest not yet received	14 475	1 851	15 337	0,1	0,0	862	6,0%
Credit card balances	614	1 095	526	1,8	0,0	-88	-14,3%
Past due ratio, total	252	-	171	0,0	0,0	-81	-32,1%
Past due ratio, individuals	2 491	-	2 161	0,0	0,0	-330	-13,2%
Past due ratio, corporates	93	-	7	0,0	0,0	-86	-92,5%
Past due ratio, entrepreneurs	360	-	265	0,0	0,0	-95	-26,4%
Past due ratio, corporates + entrepreneurs	96	-	11	0,0	0,0	-85	-88,5%

You can also get acquainted with balance sheet aggregation methodics.