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BALANCE SHEET

RUB in thousands

  01.01.2013 01.04.2013 01.07.2013 01.10.2013 01.01.2014
ASSETS
1. Cash and cash equivalents 67 980 65 475 72 307 64 968 63 319
2. Balances with the Central Bank of the Russian Federation 99 188 123 872 436 244 284 925 113 625
2.1. Mandatory cash balances 50 777 38 627 47 557 50 404 70 037
3. Due from other banks 812 020 1 656 030 538 282 709 502 692 452
4. Investments in securities at fair value through profit or loss, net 0 0 0 0 0
5. Loans and receivables, net 2 440 577 2 418 035 2 568 782 2 526 787 2 242 546
6. Investments in securities and financial assets available for sale, net 113 217 113 217 112 185 112 185 110 884
6.1. Investments in subsidiaries 43 586 43 586 43 586 43 586 43 586
7. Held-to-maturity investments 0 0 0 0 0
8. Premises, equipment and intangible assets 438 784 485 059 475 800 472 518 489 854
9. Other assets 314 287 364 554 354 576 338 139 297 974
10.Total assets 4 286 053 5 226 242 4 558 176 4 509 024 4 010 654
 
LIABILITIES
11. Deposits and balances from the Central Bank of the Russian Federation 0 0 0 0 0
12. Due to other banks 78 000 455 000 520 000 503 000 284 650
13. Customer accounts 2 848 193 3 381 717 2 693 072 2 653 230 2 419 976
13.1. Deposits of individuals 884 322 844 516 840 562 813 239 825 536
14. Financial liabilities at fair value through profit or loss 0 0 0 0 0
15. Debt securities issued 0 0 0 0 0
16. Other liabilities 104 463 117 714 77 074 76 439 32 751
17. Provisions for possible losses on credit related commitments 7 361 14 522 23 668 20 791 3 526
18. Total liabilities 3 038 017 3 968 953 3 313 814 3 253 460 2 740 903
 
SHAREHOLDER'S EQUITY
19. Share capital 1 000 009 1 000 009 1 000 009 1 000 009 1 000 009
20. Treasury shares 0 0 0 0 0
21. Share premium 0 0 0 0 0
22. Reserve fund 41 197 41 197 43 704 43 704 43 704
23. Revaluation reserve for premises 0 0 0 0 0
24. Retained earnings of the last period 156 675 156 674 156 674 156 674 156 674
25. Profit for the period 15 50 155 25 015 25 015 25 015
26. Retained profit (loss) for the accounting period 50 140 9 254 18 960 30 162 44 349
27. Total liabilities and shareholders' equity 1 248 036 1 257 289 1 244 362 1 255 564 1 269 751
 
OFF-BALANCE SHEET ITEMS
28. Irrevocable commitment of the Bank 270 543 455 940 913 271 388 703 294 500
29. Guarantees issued by the Bank 44 090 39 737 47 279 241 634 240 938
   
Ex.Rate (RUB/USD) 30,37 31,08 32,71 32,48 32,66

 

Deputy Chairman of JSC Bank "Zarechye" Odintsova E.I.
Chief Accountant Arkhipovich N.N.

 

BALANCE SHEET
for the years 2008, 2009, 2010 and 2011

RUB in thousands

  01.01.2009 01.01.2010 01.01.2011 01.01.2012
ASSETS
1. Cash and cash equivalents 27 354 38 194 46 584 57 763
2. Balances with the Central Bank of the Russian Federation 152 323 281 729 149 349 61 583
2.1. Mandatory cash balances 1 720 16 643 26 511 32 920
3. Due from other banks 672 457 297 757 1 382 659 1 094 497
4. Investments in securities at fair value through profit or loss, net 0 0 0 0
5. Loans and receivables, net 1 765 302 2 135 706 2 673 363 2 179 833
6. Investments in securities and financial assets available for sale, net 69 523 109 523 109 486 107 842
6.1. Investments in subsidiaries 3 773 43 773 43 736 43 586
7. Held-to-maturity investments 0 0 0 0
8. Premises, equipment and intangible assets 264 898 253 605 292 540 317 972
9. Other assets 177 099 89 454 155 434 178 117
10.Total assets 3 128 956 3 205 968 4 809 415 3 997 607
 
LIABILITIES
11. Deposits and balances from the Central Bank of the Russian Federation 0 0 0 0
12. Due to other banks 0 0 0 185 000
13. Customer accounts 2 399 429 2 420 454 3 631 742 2 604 869
13.1. Deposits of individuals 268 344 332 938 398 187 605 105
14. Financial liabilities at fair value through profit or loss 0 0 0 0
15. Debt securities issued 11 11 8 520 0
16. Other liabilities 7 196 21 454 12 338 63 775
17. Provisions for possible losses on credit related commitments 3 608 2 528 3 289 4 488
18. Total liabilities 2 410 244 2 444 447 3 655 889 2 858 132
 
SHAREHOLDER'S EQUITY
19. Share capital 500 000 500 000 1 000 009 1 000 009
20. Treasury shares 0 0 0 0
21. Share premium 0 0 0 0
22. Reserve fund 25 000 25 000 35 747 38 897
23. Revaluation reserve for premises 0 0 0 0
24. Retained earnings of the last period 55 563 55 563 55 563 55 563
25. Profit for the period 110 122 120 122 0 0
26. Retained profit (loss) for the accounting period 28 027 60 836 62 207 45 006
27. Total liabilities and shareholders' equity 718 712 761 521 1 153 526 1 139 475
 
OFF-BALANCE SHEET ITEMS
28. Irrevocable commitment of the Bank 192 498 128 593 133 801 207 565
29. Guarantees issued by the Bank 0 0 53 29 089
     
Ex.Rate (RUB/USD) 29,39 30,18 30,35 32,19

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.

 

BALANCE SHEET
for the year 2007

RUB in thousands

      01.01.2008
ASSETS
1. Cash     25 492
2. Balances with the Central Bank of Russia     348 925
2.1 Required provision with the Central Bank of Russia     29 233
3. Accounts with correspondent banks     301 301
4. Net investments in securities for trading     0
5. Net loans due     1 445 677
6. Net investments in stocks and shares retained before redemption     0
7. Investments in securities and equities for trading     64 336
8. Fixed and intangible assets, resources     206 400
9. Interest claim     173
10. Other assets     190 917
11.Total assets     2 583 221
 
LIABILITIES AND EQUITIES
LIABILITIES
12. Loans from the Central Bank of Russia     0
13. Amounts due to credit institutions     0
14. Amounts due to customers (non-credit institutions)     1 623 190
14.1. including to private depositors     264 443
15. Debt instruments issued     11
16. Interest obligation     3 433
17. Other liabilities     228 582
18. Provision for possible losses on contingent credit liabilities and operations with offshore residents     2 454
19. Total liabilities     1 857 670
 
EQUITIES
20. Share capital - Shareholders' (participating members' ) funds including:     500 000
20.1. Registered common stock and equities     497 000
20.2. Registered preferred stock     3 000
20.3. Non-registered share capital of non-incorporated banks     0
21. Own stock (equities) redeemed from shareholders     0
22. Offering revenue     0
23. Revaluation of fixed assets     56 238
24. Deferred expenses and coming payments affecting shareholders' eguity     1 634
25. Funds and retained earnings     99 000
26. Profit/loss for the accounting year profit     71 947
27. Total shareholders' eguity     725 551
28. Total liabilities and shareholders' equity     2 583 221
 
OFF BALANCE SHEET ITEMS
29. Irrevocable commitment of the Bank     26 089
30. Guarantees issued by the Bank     58 600
     
Ex.Rate (RUB/USD)     24,55

 

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.

* Just Net assets (without provisions) and depreciable value of the principal funds are shown in this table

BALANCE SHEET
for the years 2005 and 2006

RUB in thousands

  2005 2006
ASSETS
1. Cash 15 905 13 067
2. Balances with the Central Bank of Russia 202 099 806 266
2.1 Required provision with the Central Bank of Russia 20 395 19 723
3. Accounts with correspondent banks 164 384 754 298
4. Net investments in securities for trading 48 625 47 964
5. Net loans due 1 630 009 1 818 009
6. Net investments in stocks and shares retained before redemption 0 0
7. Investments in securities and equities for trading 131 316 186 445
8. Fixed and intangible assets, resources 238 811 240 838
9. Interest claim 782 281
10. Other assets 74 776 223 120
11.Total assets 2 506 707 4 090 288
 
LIABILITIES AND EQUITIES
LIABILITIES
12. Loans from the Central Bank of Russia 0 0
13. Amounts due to credit institutions 0 0
14. Amounts due to customers (non-credit institutions) 1 785 281 3 334 114
14.1. including to private depositors 203 703 247 957
15. Debt instruments issued 11 11
16. Interest obligation 3 952 3 646
17. Other liabilities 8 094 32 867
18. Provision for possible losses on contingent credit liabilities and operations with offshore residents 1 340 1 340
19. Total liabilities 3 371 978 3 371 978
 
EQUITIES
20. Share capital - Shareholders' (participating members' ) funds including: 500 000 500 000
20.1. Registered common stock and equities 497 000 497 000
20.2. Registered preferred stock 3 000 3 000
20.3. Non-registered share capital of non-incorporated banks 0 0
21. Own stock (equities) redeemed from shareholders 0 0
22. Offering revenue 0 0
23. Revaluation of fixed assets 100 598 100 598
24. Deferred expenses and coming payments affecting shareholders' eguity 4 256 4 503
25. Funds and retained earnings 63 161 75 000
26. Profit/loss for the accounting year profit 48 045 47 215
27. Total shareholders' eguity 707 548 718 310
28. Total liabilities and shareholders' equity 2 506 707 4 090 288
 
OFF BALANCE SHEET ITEMS
29. Irrevocable commitment of the Bank 102 165 15 825
30. Guarantees issued by the Bank 11 176 0
     
Ex.Rate (RUR/USD) 28,78 26,33

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.

* Just Net assets (without provisions) and depreciable value of the principal funds are shown in this table

 

 

BALANCE SHEET
for the years 2002, 2003 and 2004

RUB in thousands

  2002 2003 2004
ASSETS
1. Cash and balances with the Central Bank of Russia 335 628 84 309 242 474
2. Required provision with the Central Bank of Russia 95 494 93 365 21 407
3. Accounts with correspondent banks (minus provision) 1 165 488 295 207 183 189
3.1 Accounts with correspondent banks 1 165 862 295 502 183 189
3.2 Provision for possible losses 374 295 0
4. Net investments in securities for trading (p.4.1-p.4.2) 43 943 59 825 48 943
4.1. Securities held for trading (book value) 43 943 59 826 48 943
4.2. Provision for depreciation of securities 0 1 0
5. Net loans due (p.5.1-p.5.2) 362 330 426 460 974 476
5.1. Loans due and equivalent receivables 391 750 456 937
5.2 Provision for possible losses 29 420 30 477
6. Interest accrued (including arrears) 4 769 4 418 667
7. Net investments in stocks and shares retained before redemption (p.7.1-p.7.2) 10 999 146 0
7.1 Investments in stocks and shares retained before redemption 11 010 146 0
7.2. Provision for possible losses 11 0 0
8. Fixed and intangible assets, expendables and other low-value and short-life assets 225 454 227 063 226 945
9. Net investments in securities and equities for trading(p.9.1-p.9.2) 10 933 31 14
9.1. Investments in securities and equities for trading (book value) 11 148 31 14
9.2. Provision for depreciation of securities and equities and possible losses 215 0 0
10. Deferred expenses for other operations 133 1 968 0
11. Other assets (minus provision)(p.11.1-p.11.2) 95 838 8 588 20 229
11.1 Other assets 96 106 8 762 20 229
11.2 Provision for possible losses 268 174 0
12.Total assets (p.1+p.2+p.3+p.4+p.5+p.6+p.7+p.8+p.9+p.10+p.11) 2 351 009 1 201 380 1 718 344
 
LIABILITIES AND EQUITIES
LIABILITIES
13. Loans from the Central Bank of Russia 0 0 0
14. Due to credit institutions 6 0 0
15. Due to customers 770 741 663 948 1 163 446
15.1. including to private depositors 149 735 180 462 177 534
16. Deferred income from other operations 41 84 2 351
17. Debt instruments issued 296 994 20 031 11
18. Other liabilities 899 336 5 413 11 580
19. Bad debt provision, risks and liabilites 21 6 125
20. Total liabilities (p.13+p.14+p.15+p.16+p.17+p.18+p.19) 1 967 139 689 482 1 177 513
 
EQUITIES
21. Share capital - Shareholders' (participating members' ) furnds including: 250 000 350 000 350 000
21.1. Registered common stock and equities 247 000 347 000 347 000
21.2. Registered preferred stock 3 000 3 000 3 000
21.3. Non-registered share capital of non-incorporated banks 0 0 0
22. Own stock (equities) redeemed from shareholders 0 0 0
23. Offering revenue 0 0 0
24. Funds and retained earnings 19 423 24 061 33 161
25. Revaluation of fixed assets 100 665 100 598 100 598
26. Net profit/loss for the accounting period 17 063 41 411 60 660
27. Dividends accrued out of accounting year profit 0 0 0
28. Allocated profit (net of dividends) 5 359 6 871
29. Retained earnings (p.26-p.27-p.28) 11 704 34 540
30. Expenses and risks affecting shareholders' equity -2 078 -2 699 3 588
31. Total shareholders' equity (p.21-p.21.3-p.22+p.23+p.24+p.25+p.29-p.30 where a credit institution shows a profit), (p.21-p.21.3-p.22+p.24+p.25+p.26-p.30 where a credit institutions shows a loss) 383 870 511 898 540 831
32. Total liabilities and shareholders' equity (p.20+p.31) 2 351 009 1 201 380 1 718 344
33. Irrevocable commitment of the Bank 23 218 95 302 94 277
34. Guarantees issued by the Bank 0 0 0
     
Ex.Rate (RUR/USD) 31,78 29,45 27,75

 

 

President of JSC Bank "Zarechye" Devyatikh N.V.
Chief Accountant Tychkina O.I.

 

Контакты Contacts

Address: Russia, Republic of Tatarstan,
420032 Kazan, 2 Luknitskogo Str.
Phone: +7(843) 557-59-03, 557-59-65
Fax: +7(843) 557-59-75, 557-59-65
Telex: 224643 LADA RU
SWIFT: ZAJCRU2K

© Bank Zarechye (Joint Stock Company)