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Central Bank of Russia registration number: 3531

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Balance Profit Profitability

Ratios (f. 135) 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.	01.12.2019	>> Turnover >>	01.01.2020 01.12.2019 01.11.2019 01.10.2019 01.09.2019 01.08.2019 01.07.2019 01.06.2019 01.05.2019 01.04.2019 01.03.2019 01.02.2019 01.01.2019 01.12.2018 01.11.2018 01.10.2018 01.09.2018 01.08.2018 01.07.2018 01.06.2018 01.05.2018 01.04.2018 01.03.2018 01.02.2018 01.01.2018 01.12.2017 01.11.2017 01.10.2017	Turnover / amount	Turnover / assets	Period change
ASSETS	22 375 627	-	28 844 382	0,0	0,0	6 468 755	28,9%
High liquid assets	546 524	-	793 138	0,0	0,0	246 614	45,1%
Cash and equivalents	546 523	-	793 137	0,0	0,0	246 614	45,1%
Cash	27 960	-	17 131	0,0	0,0	-10 829	-38,7%
in cash and en route	27 960	-	17 131	0,0	0,0	-10 829	-38,7%
Nostro account with Central Bank	518 563	-	776 006	0,0	0,0	257 443	49,6%
Nostro accounts	1	-	1	0,0	0,0	-	0,0%
Residents	1	-	1	0,0	0,0	-	0,0%
Money in transfer	-	-	-	-	-	-	-
Interest-earning assets	20 708 197	-	26 904 576	0,0	0,0	6 196 379	29,9%
Dues from banks	13 138 673	-	19 323 000	0,0	0,0	6 184 327	47,1%
Central Bank of Russia	11 149 000	-	19 323 000	0,0	0,0	8 174 000	73,3%
Residents	1 990 000	-	-	0,0	0,0	-1 990 000	-100,0%
up to 30 days	1 990 000	-	-	0,0	0,0	-1 990 000	-100,0%
Provision for impairment of loans to banks	-327	-	-	0,0	0,0	327	-100,0%
Securities	6 065 501	-	6 065 414	0,0	0,0	-87	-0,0%
Bonds	6 065 501	-	6 065 414	0,0	0,0	-87	-0,0%
Federal Loan Bonds (OFZs), OBRs	1 471 980	-	1 465 410	0,0	0,0	-6 570	-0,4%
Corporate bonds	2 916 677	-	2 891 059	0,0	0,0	-25 618	-0,9%
Financial institutions bonds	1 406 053	-	1 407 659	0,0	0,0	1 606	0,1%
Valuation allowance	270 791	-	301 286	0,0	0,0	30 495	11,3%
Loans to corporate clients	1 484 839	-	1 497 981	0,0	0,0	13 142	0,9%
residents	40 647	-	30 802	0,0	0,0	-9 845	-24,2%
up to 30 days	28 554	-	28 709	0,0	0,0	155	0,5%
up to 180 days	10 000	-	-	0,0	0,0	-10 000	-100,0%
up to 1 year	126	-	126	0,0	0,0	-	0,0%
up to 3 years	21	-	21	0,0	0,0	-	0,0%
more than 3 years	1 946	-	1 946	0,0	0,0	-	0,0%
state-owned enterprises	1 458 710	-	1 480 636	0,0	0,0	21 926	1,5%
up to 180 days	1 458 710	-	1 480 636	0,0	0,0	21 926	1,5%
Past-due	2 180	-	2 205	0,0	0,0	25	1,1%
residents	2 030	-	2 070	0,0	0,0	40	2,0%
non-residents	148	-	133	0,0	0,0	-15	-10,1%
state-owned enterprises	2	-	2	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-16 698	-	-15 662	0,0	0,0	1 036	-6,2%
residents	-3 152	-	-3 107	0,0	0,0	45	-1,4%
non-residents	-131	-	-118	0,0	0,0	13	-9,9%
state-owned enterprises	-13 415	-	-12 437	0,0	0,0	978	-7,3%
Loans to private entrepreneurs	24	-	24	0,0	0,0	-	0,0%
Past-due	204	-	214	0,0	0,0	10	4,9%
Provision for impairment of loans to private entrepreneurs	-180	-	-190	0,0	0,0	-10	5,6%
Loans to individuals	19 160	-	18 157	0,0	0,0	-1 003	-5,2%
Standard	21 264	-	20 146	0,0	0,0	-1 118	-5,3%
up to 3 years	889	-	837	0,0	0,0	-52	-5,8%
more than 3 years	20 375	-	19 309	0,0	0,0	-1 066	-5,2%
Provision for impairment of loans to individuals	-2 104	-	-1 989	0,0	0,0	115	-5,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 120 906	-	1 146 668	0,0	0,0	25 762	2,3%
Mandatory reserves with Central Bank	127 181	-	147 265	0,0	0,0	20 084	15,8%
Premises and equipment	162 705	-	160 379	0,0	0,0	-2 326	-1,4%
Purchase cost	241 778	-	242 209	0,0	0,0	431	0,2%
Depreciation	-79 073	-	-81 830	0,0	0,0	-2 757	3,5%
Accrued interest not yet received	5 712	-	2 627	0,0	0,0	-3 085	-54,0%
Other assets	2 137 780	-	2 179 533	0,0	0,0	41 753	2,0%
Provision for impairment of other assets	-1 312 472	-	-1 343 136	0,0	0,0	-30 664	2,3%
LIABILITIES	20 194 804	-	26 436 633	0,0	0,0	6 241 829	30,9%
Dues to banks	17 153 853	-	22 156 744	0,0	0,0	5 002 891	29,2%
On demand	16 753 853	-	21 656 744	0,0	0,0	4 902 891	29,3%
Residents	6 815 159	-	6 803 102	0,0	0,0	-12 057	-0,2%
Non-residents	9 938 694	-	14 853 642	0,0	0,0	4 914 948	49,5%
Term	400 000	-	500 000	0,0	0,0	100 000	25,0%
Non-residents	400 000	-	500 000	0,0	0,0	100 000	25,0%
more than 180 days	400 000	-	500 000	0,0	0,0	100 000	25,0%
Other dues to banks	-	-	-	-	-	-	-
On demand	2 532 046	-	3 872 227	0,0	0,0	1 340 181	52,9%
Corporate clients	2 532 033	-	3 872 213	0,0	0,0	1 340 180	52,9%
State-owned enterprises	55 143	-	198	0,0	0,0	-54 945	-99,6%
Residents	2 152 085	-	3 651 959	0,0	0,0	1 499 874	69,7%
Non-residents	324 805	-	220 056	0,0	0,0	-104 749	-32,2%
Brokerage accounts	13	-	14	0,0	0,0	1	7,7%
Residents	13	-	14	0,0	0,0	1	7,7%
Term	300 000	-	300 000	0,0	0,0	-	0,0%
Corporate clients	300 000	-	300 000	0,0	0,0	-	0,0%
Residents	300 000	-	300 000	0,0	0,0	-	0,0%
more than 3 years	300 000	-	300 000	0,0	0,0	-	0,0%
Other liabilities	208 905	-	107 662	0,0	0,0	-101 243	-48,5%
Other liabilities	146 755	-	50 400	0,0	0,0	-96 355	-65,7%
Accrued interest not yet paid	4 888	-	-	0,0	0,0	-4 888	-100,0%
Deferred tax liabilities	57 262	-	57 262	0,0	0,0	-	0,0%
EQUITY	2 180 823	-	2 407 750	0,0	0,0	226 927	10,4%
Capital	26 514	-	47 349	0,0	0,0	20 835	78,6%
Profit from previous years	1 229 021	-	1 229 021	0,0	0,0	-	0,0%
Retained earnings from previous years	1 229 021	-	1 229 021	0,0	0,0	-	0,0%
Current year profit	925 288	-	1 131 380	0,0	0,0	206 092	22,3%
Current year retained earnings	925 288	-	1 131 380	0,0	0,0	206 092	22,3%
OFF-BALANCE SHEET	925 553	-	873 265	0,0	0,0	-52 288	-5,6%
Contingent liabilities	-282 736	-	-270 654	0,0	0,0	12 082	-4,3%
Unused credit limits opened	-282 736	-	-270 654	0,0	0,0	12 082	-4,3%
Collateral on loans	400 000	-	500 000	0,0	0,0	100 000	25,0%
goods	400 000	-	500 000	0,0	0,0	100 000	25,0%
Unprocessed payments	808 509	-	644 218	0,0	0,0	-164 291	-20,3%
Due to lack of funds on client accounts	808 509	-	644 218	0,0	0,0	-164 291	-20,3%
Other off-balance sheet accounts	-220	-	-299	0,0	0,0	-79	35,9%
Written-off loans	-220	-	-299	0,0	0,0	-79	35,9%
Past due ratio, total	16	-	16	0,0	0,0	-	0,0%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	15	-	15	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	16	-	16	0,0	0,0	-	0,0%
Risk-weighted assets	11 373 580	-	10 834 063	0,0	0,0	-539 517	-4,7%

You can also get acquainted with balance sheet aggregation methodics.