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	NIZHNIY NOVGORODI want to buy a report	add to comparison
Central Bank of Russia registration number: 926

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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 with currency breakdown (roubles and foreign currency). You can also get acquainted with balance sheet aggregation methodics.

Balance sheet position, thous. rub.	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.	01.05.2010 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	3 606 425	3 321 710	284 715	3 226 692	2 951 367	275 325	-370 343	-9 390
High liquid assets	671 544	458 545	212 999	485 718	251 007	234 711	-207 538	21 712
Cash and equivalents	547 220	442 296	104 924	327 224	228 820	98 404	-213 476	-6 520
Cash	350 733	245 809	104 924	250 084	151 680	98 404	-94 129	-6 520
in cash and en route	319 903	220 401	99 502	222 841	131 835	91 006	-88 566	-8 496
in operational cash offices	17 671	12 459	5 212	16 638	9 460	7 178	-2 999	1 966
in ATMs	12 949	12 949	-	10 385	10 385	-	-2 564	-
precious metals	210	-	210	220	-	220	-	10
Nostro account with Central Bank	196 487	196 487	-	77 140	77 140	-	-119 347	-
Nostro accounts	121 347	14 257	107 090	155 374	20 041	135 333	5 784	28 243
Residents	121 347	14 257	107 090	155 374	20 041	135 333	5 784	28 243
Money in transfer	571	570	1	728	727	1	157	-
Exchange accounts	2 406	1 422	984	2 392	1 419	973	-3	-11
Interest-earning assets	2 126 766	2 057 699	69 067	1 959 119	1 920 417	38 702	-137 282	-30 365
Dues from banks	1 719 067	1 650 000	69 067	1 588 702	1 550 000	38 702	-100 000	-30 365
Residents	1 719 067	1 650 000	69 067	1 588 702	1 550 000	38 702	-100 000	-30 365
up to 180 days	600 000	600 000	-	1 000 000	1 000 000	-	400 000	-
more than 180 days	1 119 067	1 050 000	69 067	588 702	550 000	38 702	-500 000	-30 365
Securities	27	27	-	25	25	-	-2	-
Stocks	27	27	-	25	25	-	-2	-
Residents	27	27	-	25	25	-	-2	-
Loans to corporate clients	395 280	395 280	-	365 881	365 881	-	-29 399	-
residents	248 287	248 287	-	152 960	152 960	-	-95 327	-
up to 30 days	4 488	4 488	-	5 376	5 376	-	888	-
up to 180 days	38 966	38 966	-	32 800	32 800	-	-6 166	-
up to 1 year	43 050	43 050	-	2 351	2 351	-	-40 699	-
up to 3 years	133 976	133 976	-	84 978	84 978	-	-48 998	-
more than 3 years	27 807	27 807	-	27 455	27 455	-	-352	-
Past-due	203 908	203 908	-	270 223	270 223	-	66 315	-
residents	203 908	203 908	-	270 223	270 223	-	66 315	-
Provision for impairment of corporate loans	-56 915	-56 915	-	-57 302	-57 302	-	-387	-
residents	-56 915	-56 915	-	-57 302	-57 302	-	-387	-
Loans to private entrepreneurs	72 618	72 618	-	74 181	74 181	-	1 563	-
up to 30 days	4 344	4 344	-	1 065	1 065	-	-3 279	-
up to 180 days	17 486	17 486	-	23 896	23 896	-	6 410	-
up to 1 year	4 097	4 097	-	6 543	6 543	-	2 446	-
up to 3 years	39 586	39 586	-	35 379	35 379	-	-4 207	-
more than 3 years	6 500	6 500	-	6 400	6 400	-	-100	-
Past-due	1 032	1 032	-	1 302	1 302	-	270	-
Provision for impairment of loans to private entrepreneurs	-427	-427	-	-404	-404	-	23	-
Loans to individuals	85 659	85 659	-	83 158	83 158	-	-2 501	-
Standard	89 070	89 070	-	86 507	86 507	-	-2 563	-
up to 180 days	200	200	-	-	-	-	-200	-
up to 1 year	448	448	-	130	130	-	-318	-
up to 3 years	77 491	77 491	-	75 456	75 456	-	-2 035	-
more than 3 years	10 931	10 931	-	10 921	10 921	-	-10	-
Past-due	31 343	31 343	-	31 400	31 400	-	57	-
Past-due	31 343	31 343	-	31 400	31 400	-	57	-
Provision for impairment of loans to individuals	-34 754	-34 754	-	-34 749	-34 749	-	5	-
Provision for impairment of loans past-due	-145 885	-145 885	-	-152 828	-152 828	-	-6 943	-
Other assets	808 115	805 466	2 649	781 855	779 943	1 912	-25 523	-737
Mandatory reserves with Central Bank	42 116	42 116	-	42 739	42 739	-	623	-
Premises and equipment	703 281	703 281	-	702 591	702 591	-	-690	-
Purchase cost	811 751	811 751	-	812 701	812 701	-	950	-
Depreciation	-108 470	-108 470	-	-110 110	-110 110	-	-1 640	-
Accrued interest not yet received	55 397	53 636	1 761	32 494	31 457	1 037	-22 179	-724
Other assets	11 553	10 665	888	12 001	11 126	875	461	-13
Provision for impairment of other assets	-4 232	-4 232	-	-7 970	-7 970	-	-3 738	-
LIABILITIES	2 945 969	2 661 080	284 889	2 588 385	2 314 481	273 904	-346 599	-10 985
Dues to banks	712 504	712 500	4	300 000	300 000	-	-412 500	-4
Term	712 500	712 500	-	300 000	300 000	-	-412 500	-
Residents	712 500	712 500	-	300 000	300 000	-	-412 500	-
more than 180 days	712 500	712 500	-	300 000	300 000	-	-412 500	-
Other dues to banks	4	-	4	-	-	-	-	-4
On demand	630 189	617 653	12 536	637 016	624 294	12 722	6 641	186
Corporate clients	551 373	541 881	9 492	580 543	570 574	9 969	28 693	477
State-owned enterprises	67 497	62 432	5 065	57 490	52 455	5 035	-9 977	-30
Residents	483 867	479 449	4 418	523 044	518 119	4 925	38 670	507
Non-residents	9	-	9	9	-	9	-	-
Individuals	78 816	75 772	3 044	56 473	53 720	2 753	-22 052	-291
Residents	78 805	75 761	3 044	56 463	53 710	2 753	-22 051	-291
Non-residents	11	11	-	10	10	-	-1	-
Term	1 581 684	1 310 491	271 193	1 626 667	1 366 995	259 672	56 504	-11 521
Corporate clients	95 212	95 212	-	93 712	93 712	-	-1 500	-
Residents	95 212	95 212	-	93 712	93 712	-	-1 500	-
up to 30 days	2	2	-	2	2	-	-	-
up to 180 days	30 000	30 000	-	29 400	29 400	-	-600	-
up to 1 year	48 010	48 010	-	47 110	47 110	-	-900	-
up to 3 years	17 200	17 200	-	17 200	17 200	-	-	-
Individuals	1 486 472	1 215 279	271 193	1 532 955	1 273 283	259 672	58 004	-11 521
residents	1 486 398	1 215 268	271 130	1 532 894	1 273 283	259 611	58 015	-11 519
up to 30 days	2	2	-	2	2	-	-	-
up to 180 days	63 493	57 716	5 777	47 813	43 908	3 905	-13 808	-1 872
up to 1 year	205 693	160 241	45 452	186 765	153 449	33 316	-6 792	-12 136
up to 3 years	1 217 160	997 259	219 901	1 298 264	1 075 874	222 390	78 615	2 489
more than 3 years	50	50	-	50	50	-	-	-
non-residents	74	11	63	61	-	61	-11	-2
up to 180 days	60	-	60	58	-	58	-	-2
up to 1 year	3	-	3	3	-	3	-	-
up to 3 years	11	11	-	-	-	-	-11	-
Securities issued	5 055	5 055	-	5 072	5 072	-	17	-
Promissory notes	5 055	5 055	-	5 072	5 072	-	17	-
more than 180 days	5 323	5 323	-	5 322	5 322	-	-1	-
Discount accrued	-268	-268	-	-250	-250	-	18	-
Other liabilities	16 537	15 381	1 156	19 630	18 120	1 510	2 739	354
Other liabilities	8 195	8 142	53	6 407	6 337	70	-1 805	17
Accrued interest not yet paid	8 342	7 239	1 103	13 223	11 783	1 440	4 544	337
EQUITY	660 456	660 454	2	638 307	638 306	1	-22 148	-1
Capital	906 813	906 813	-	906 813	906 813	-	-	-
Profit from previous years	-304 159	-304 159	-	-304 159	-304 159	-	-	-
Retained earnings from previous years	-304 159	-304 159	-	-304 159	-304 159	-	-	-
Current year profit	58 476	58 476	-	36 259	36 259	-	-22 217	-
Current year retained earnings	58 476	58 476	-	36 259	36 259	-	-22 217	-
Future expenses	-674	-676	2	-606	-607	1	69	-1
OFF-BALANCE SHEET	2 179 672	2 179 672	-	1 148 976	1 148 976	-	-1 030 696	-
Contingent liabilities	-92 072	-92 072	-	-77 415	-77 415	-	14 657	-
Unused credit limits opened	-92 072	-92 072	-	-77 415	-77 415	-	14 657	-
Collateral on loans	2 247 176	2 247 176	-	1 200 066	1 200 066	-	-1 047 110	-
goods	2 247 176	2 247 176	-	1 200 066	1 200 066	-	-1 047 110	-
Other off-balance sheet accounts	24 568	24 568	-	26 325	26 325	-	1 757	-
Accrued interest not yet received	28 742	28 742	-	30 530	30 530	-	1 788	-
Written-off interest	-605	-605	-	-613	-613	-	-8	-
Written-off loans	-3 569	-3 569	-	-3 592	-3 592	-	-23	-
Past due ratio, total	3 660	3 660	0	4 920	4 920	-0	1 261	-1
Past due ratio, individuals	2 603	2 603	0	2 663	2 663	-0	60	-0
Past due ratio, corporates	4 509	4 509	-0	6 385	6 385	-0	1 876	-0
Past due ratio, entrepreneurs	141	141	-0	175	175	0	33	1
Past due ratio, corporates + entrepreneurs	3 902	3 902	0	5 455	5 455	0	1 553	-0
Past-due rate:	36,60%	36,60%	-	49,20%	49,20%	-	12,61%	0,00%
corporate clients:	39,02%	39,02%	-	54,55%	54,55%	-	15,53%	0,00%
individuals:	26,03%	26,03%	-	26,63%	26,63%	-	0,60%	0,00%

You can also get acquainted with balance sheet aggregation methodics.