Balance sheet position, thous. rub.
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.
01.05.2012
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
1 078 545
1 068 728
9 817
931 554
931 160
394
-137 568
-9 423
High liquid assets
66 788
57 183
9 605
4 415
4 378
37
-52 805
-9 568
Cash and equivalents
61 072
52 300
8 772
4 114
4 114
-
-48 186
-8 772
Cash
60 096
51 324
8 772
4 082
4 082
-
-47 242
-8 772
in cash and en route
46 459
37 687
8 772
4 082
4 082
-
-33 605
-8 772
in ATMs
13 637
13 637
-
-
-
-
-13 637
-
Nostro account with Central Bank
976
976
-
32
32
-
-944
-
Nostro accounts
1 093
260
833
39
2
37
-258
-796
Residents
1 093
260
833
39
2
37
-258
-796
Money in transfer
4 623
4 623
-
262
262
-
-4 361
-
Interest-earning assets
512 937
512 937
-
434 171
434 171
-
-78 766
-
Securities
37 359
37 359
-
58 408
58 408
-
21 049
-
Promissory notes
34 152
34 152
-
57 027
57 027
-
22 875
-
Corporate
73 355
73 355
-
73 058
73 058
-
-297
-
Banks
42
42
-
42
42
-
-
-
Provision for impairment of promissory notes
-39 245
-39 245
-
-16 073
-16 073
-
23 172
-
Stocks
3 207
3 207
-
1 381
1 381
-
-1 826
-
Residents
3 093
3 093
-
1 465
1 465
-
-1 628
-
Valuation allowance
114
114
-
-84
-84
-
-198
-
Loans to corporate clients
401 276
401 276
-
295 140
295 140
-
-106 136
-
residents
436 037
436 037
-
323 731
323 731
-
-112 306
-
up to 30 days
1 016
1 016
-
1 398
1 398
-
382
-
up to 1 year
187 000
187 000
-
117 000
117 000
-
-70 000
-
up to 3 years
210 986
210 986
-
185 085
185 085
-
-25 901
-
more than 3 years
37 035
37 035
-
20 248
20 248
-
-16 787
-
Past-due
16 038
16 038
-
81 713
81 713
-
65 675
-
residents
16 038
16 038
-
81 713
81 713
-
65 675
-
Provision for impairment of corporate loans
-50 799
-50 799
-
-110 304
-110 304
-
-59 505
-
residents
-50 799
-50 799
-
-110 304
-110 304
-
-59 505
-
Loans to private entrepreneurs
17 168
17 168
-
24 464
24 464
-
7 296
-
up to 30 days
1 030
1 030
-
319
319
-
-711
-
up to 3 years
3 896
3 896
-
3 581
3 581
-
-315
-
more than 3 years
9 996
9 996
-
9 693
9 693
-
-303
-
Past-due
26 885
26 885
-
26 510
26 510
-
-375
-
Provision for impairment of loans to private entrepreneurs
-24 639
-24 639
-
-15 639
-15 639
-
9 000
-
Loans to individuals
57 134
57 134
-
56 159
56 159
-
-975
-
Standard
58 099
58 099
-
53 207
53 207
-
-4 892
-
up to 30 days
1 240
1 240
-
1 699
1 699
-
459
-
up to 180 days
60
60
-
-
-
-
-60
-
up to 1 year
9 570
9 570
-
7 248
7 248
-
-2 322
-
up to 3 years
4 326
4 326
-
3 668
3 668
-
-658
-
more than 3 years
42 903
42 903
-
40 592
40 592
-
-2 311
-
Past-due
10 806
10 806
-
10 654
10 654
-
-152
-
Past-due
10 806
10 806
-
10 654
10 654
-
-152
-
Provision for impairment of loans to individuals
-11 771
-11 771
-
-7 702
-7 702
-
4 069
-
Other assets
498 820
498 608
212
492 968
492 611
357
-5 997
145
Mandatory reserves with Central Bank
21 548
21 548
-
20 814
20 814
-
-734
-
Premises and equipment
280 021
280 021
-
277 774
277 774
-
-2 247
-
Purchase cost
333 500
333 500
-
330 729
330 729
-
-2 771
-
Depreciation
-53 479
-53 479
-
-52 955
-52 955
-
524
-
Accrued interest not yet received
4 192
4 192
-
3 900
3 900
-
-292
-
Non-current assets
22 712
22 712
-
23 109
23 109
-
397
-
Other assets
202 145
201 933
212
201 790
201 433
357
-500
145
Provision for impairment of other assets
-31 798
-31 798
-
-34 419
-34 419
-
-2 621
-
LIABILITIES
688 739
672 420
16 319
564 896
550 592
14 304
-121 828
-2 015
Dues to banks
2 708
2 708
-
-
-
-
-2 708
-
On demand
1 708
1 708
-
-
-
-
-1 708
-
Residents
1 708
1 708
-
-
-
-
-1 708
-
Other dues to banks
1 000
1 000
-
-
-
-
-1 000
-
On demand
206 624
205 069
1 555
163 719
161 599
2 120
-43 470
565
Corporate clients
126 456
126 453
3
37 019
37 017
2
-89 436
-1
Residents
126 450
126 447
3
37 013
37 011
2
-89 436
-1
Non-residents
6
6
-
6
6
-
-
-
Individuals
75 639
74 087
1 552
126 545
124 427
2 118
50 340
566
Residents
75 587
74 036
1 551
126 505
124 388
2 117
50 352
566
Non-residents
52
51
1
40
39
1
-12
-
Brokerage accounts
4 529
4 529
-
155
155
-
-4 374
-
Residents
4 529
4 529
-
155
155
-
-4 374
-
Term
469 984
455 333
14 651
396 097
384 095
12 002
-71 238
-2 649
Corporate clients
21 400
21 400
-
400
400
-
-21 000
-
Residents
21 400
21 400
-
400
400
-
-21 000
-
up to 1 year
21 000
21 000
-
-
-
-
-21 000
-
up to 3 years
400
400
-
400
400
-
-
-
Individuals
448 584
433 933
14 651
395 697
383 695
12 002
-50 238
-2 649
residents
448 584
433 933
14 651
395 697
383 695
12 002
-50 238
-2 649
up to 180 days
98 356
95 937
2 419
74 166
72 450
1 716
-23 487
-703
up to 1 year
101 504
96 442
5 062
94 627
89 889
4 738
-6 553
-324
up to 3 years
233 303
226 133
7 170
213 272
207 724
5 548
-18 409
-1 622
more than 3 years
15 421
15 421
-
13 632
13 632
-
-1 789
-
Other liabilities
9 423
9 310
113
5 080
4 898
182
-4 412
69
Other liabilities
3 415
3 325
90
3 058
2 897
161
-428
71
Accrued interest not yet paid
6 008
5 985
23
1 767
1 746
21
-4 239
-2
Liabilities past-due
-
-
-
255
255
-
255
-
EQUITY
389 806
389 806
-
366 658
366 658
-
-23 148
-
Capital
491 726
491 726
-
491 726
491 726
-
-
-
Profit from previous years
-98 954
-98 954
-
-98 954
-98 954
-
-
-
Retained earnings from previous years
-98 954
-98 954
-
-98 954
-98 954
-
-
-
Current year profit
2 910
2 910
-
-20 293
-20 293
-
-23 203
-
Current year retained earnings
2 910
2 910
-
-20 293
-20 293
-
-23 203
-
Future expenses
-5 876
-5 876
-
-5 821
-5 821
-
55
-
OFF-BALANCE SHEET
705 978
705 978
-
632 012
632 012
-
-73 966
-
Contingent liabilities
-25 625
-25 625
-
-15 058
-15 058
-
10 567
-
Unused credit limits opened
-25 625
-25 625
-
-15 058
-15 058
-
10 567
-
Collateral on loans
817 639
817 639
-
732 782
732 782
-
-84 857
-
goods
696 917
696 917
-
614 609
614 609
-
-82 308
-
securities
120 722
120 722
-
118 173
118 173
-
-2 549
-
Other off-balance sheet accounts
-86 036
-86 036
-
-85 712
-85 712
-
324
-
Accrued interest not yet received
12 106
12 106
-
12 426
12 426
-
320
-
Written-off interest
-7 233
-7 233
-
-7 233
-7 233
-
-
-
Written-off loans
-90 909
-90 909
-
-90 905
-90 905
-
4
-
Credit card balances
1 240
1 240
-
1 699
1 699
-
459
-
Past due ratio, total
955
955
0
2 334
2 334
0
1 379
0
Past due ratio, individuals
1 568
1 568
-0
1 668
1 668
-0
100
-0
Past due ratio, corporates
355
355
0
2 015
2 015
-0
1 661
-1
Past due ratio, entrepreneurs
6 431
6 431
0
6 610
6 610
-0
180
-1
Past due ratio, corporates + entrepreneurs
869
869
-0
2 429
2 429
0
1 560
0
Past-due rate:
9,55%
9,55%
-
23,34%
23,34%
-
13,79%
0,00%
corporate clients:
8,69%
8,69%
-
24,29%
24,29%
-
15,60%
0,00%
individuals:
15,68%
15,68%
-
16,68%
16,68%
-
1,00%
0,00%