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Central Bank of Russia registration number: 2098

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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.	01.12.2013	>> Turnover >>	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	Turnover / amount	Turnover / assets	Period change
ASSETS	475 349	593 096	356 156	1,2	1,7	-119 193	-25,1%
High liquid assets	114 321	358 341	10 152	3,1	1,0	-104 169	-91,1%
Cash and equivalents	114 317	358 337	10 152	3,1	1,0	-104 165	-91,1%
Cash	100 125	211 090	3 879	2,1	0,6	-96 246	-96,1%
in cash and en route	100 125	211 090	3 879	2,1	0,6	-96 246	-96,1%
Nostro account with Central Bank	14 192	147 247	6 273	10,4	0,4	-7 919	-55,8%
Nostro accounts	4	4	-	1,0	0,0	-4	-100,0%
Residents	4	4	-	1,0	0,0	-4	-100,0%
Interest-earning assets	309 391	145 978	294 213	0,5	0,4	-15 178	-4,9%
Loans to corporate clients	10 125	43 150	20 769	4,3	0,1	10 644	105,1%
residents	26 000	40 000	51 000	1,5	0,1	25 000	96,2%
up to 1 year	-	15 000	-	-	-	-	-
up to 3 years	10 000	25 000	35 000	2,5	0,1	25 000	250,0%
more than 3 years	16 000	-	16 000	0,0	0,0	-	0,0%
Past-due	2 535	-	2 535	0,0	0,0	-	0,0%
residents	2 535	-	2 535	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-18 410	18 247	-32 766	1,0	0,1	-14 356	78,0%
residents	-18 410	18 247	-32 766	1,0	0,1	-14 356	78,0%
Loans to individuals	299 266	112 731	273 444	0,4	0,3	-25 822	-8,6%
Standard	391 551	71 824	446 007	0,2	0,2	54 456	13,9%
up to 180 days	40 300	6 200	34 100	0,2	0,0	-6 200	-15,4%
up to 1 year	23 700	40 000	61 900	1,7	0,1	38 200	161,2%
up to 3 years	308 751	31 824	331 207	0,1	0,1	22 456	7,3%
more than 3 years	18 800	-	18 800	0,0	0,0	-	0,0%
Past-due	17 729	8 999	26 728	0,5	0,0	8 999	50,8%
Past-due	17 729	8 999	26 728	0,5	0,0	8 999	50,8%
Provision for impairment of loans to individuals	-110 014	95 363	-199 291	0,9	0,3	-89 277	81,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	51 637	88 931	51 791	1,7	0,2	154	0,3%
Mandatory reserves with Central Bank	6 741	107	6 634	0,0	0,0	-107	-1,6%
Premises and equipment	35	22	34	0,6	0,0	-1	-2,9%
Purchase cost	78	21	78	0,3	0,0	-	0,0%
Depreciation	-43	1	-44	0,0	0,0	-1	2,3%
Accrued interest not yet received	51 216	3 588	51 012	0,1	0,0	-204	-0,4%
Other assets	316	84 619	445	267,8	0,2	129	40,8%
Provision for impairment of other assets	-6 671	907	-6 334	0,1	0,0	337	-5,1%
LIABILITIES	251 997	239 038	229 173	0,9	0,7	-22 824	-9,1%
Dues to banks	30 988	-	30 988	0,0	0,0	-	0,0%
On demand	988	-	988	0,0	0,0	-	0,0%
Residents	988	-	988	0,0	0,0	-	0,0%
Term	30 000	-	30 000	0,0	0,0	-	0,0%
Residents	30 000	-	30 000	0,0	0,0	-	0,0%
up to 180 days	30 000	-	30 000	0,0	0,0	-	0,0%
Past-due	-	-	-	-	-	-	-
On demand	117 708	227 527	90 874	1,9	0,6	-26 834	-22,8%
Corporate clients	36 754	205 364	17 012	5,6	0,6	-19 742	-53,7%
State-owned enterprises	749	2 739	530	3,7	0,0	-219	-29,2%
Residents	36 005	202 625	16 482	5,6	0,6	-19 523	-54,2%
Individuals	80 954	22 163	73 862	0,3	0,1	-7 092	-8,8%
Residents	80 954	22 163	73 862	0,3	0,1	-7 092	-8,8%
Term	88 748	7 674	84 735	0,1	0,0	-4 013	-4,5%
Individuals	88 748	7 674	84 735	0,1	0,0	-4 013	-4,5%
residents	88 748	7 674	84 735	0,1	0,0	-4 013	-4,5%
up to 180 days	2 825	630	2 786	0,2	0,0	-39	-1,4%
up to 1 year	85 923	7 044	81 949	0,1	0,0	-3 974	-4,6%
Other liabilities	14 553	11 860	22 576	0,8	0,0	8 023	55,1%
Other liabilities	123	5 816	4 886	47,3	0,0	4 763	3 872,4%
Accrued interest not yet paid	8 866	1 303	8 933	0,1	0,0	67	0,8%
Liabilities past-due	5 564	4 741	8 757	0,9	0,0	3 193	57,4%
EQUITY	223 352	112 702	126 983	0,5	0,3	-96 369	-43,1%
Capital	216 434	-	216 434	0,0	0,0	-	0,0%
Profit from previous years	5 036	-	5 036	0,0	0,0	-	0,0%
Retained earnings from previous years	5 036	-	5 036	0,0	0,0	-	0,0%
Current year profit	1 882	112 702	-94 487	59,9	0,3	-96 369	-5 120,6%
Current year retained earnings	1 882	112 702	-94 487	59,9	0,3	-96 369	-5 120,6%
OFF-BALANCE SHEET	109 053	26 145	112 531	0,2	0,1	3 478	3,2%
Contingent liabilities	-237	237	-	1,0	0,0	237	-100,0%
Guarantees issued	-237	237	-	1,0	0,0	237	-100,0%
Collateral on loans	103 817	22 305	103 817	0,2	0,1	-	0,0%
goods	103 817	22 305	103 817	0,2	0,1	-	0,0%
Other off-balance sheet accounts	5 473	3 603	8 714	0,7	0,0	3 241	59,2%
Accrued interest not yet received	5 473	3 603	8 714	0,7	0,0	3 241	59,2%
Past due ratio, total	463	-	556	0,0	0,0	93	20,1%
Past due ratio, individuals	433	-	565	0,0	0,0	132	30,5%
Past due ratio, corporates	888	-	474	0,0	0,0	-414	-46,6%
Past due ratio, corporates + entrepreneurs	888	-	474	0,0	0,0	-414	-46,6%

You can also get acquainted with balance sheet aggregation methodics.