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| Indicator Name | At the Beginning of the Reporting Period | At the End of the Reporting Period |
|---|---|---|
| ASSETS | ||
| 1. Cash and Other Payment Documents | 838 499 407,00 | 825 350 110,00 |
| 2. Receivable from Central Bank | 2 478 780 444,00 | 2 594 417 918,00 |
| 3. Receivable from Other Banks | 8 206 368 428,00 | 8 049 679 326,00 |
| 4. Buy and Sell Accounts | 684,00 | 684,00 |
| a. Securities | 0,00 | 0,00 |
| b. Precious Metals, Coins, Stones | 684,00 | 684,00 |
| c. Minus: Reserve for Possible Losses on Buy-Sell Accounts | 0,00 | 0,00 |
| d. Buy-Sell Accounts, Net | 0,00 | 0,00 |
| 5 a. Investments | 4 220 907 906,00 | 3 832 128 799,00 |
| b. Minus: Reserve for Possible Losses on Investments | 1 040 571,00 | 1 040 571,00 |
| c. Investments, Net | 4 220 907 906,00 | 3 832 128 799,00 |
| 6. Securities Purchased under Repurchase Agreement | 0,00 | 0,00 |
| 7. Loans and Leasing Operations | 32 587 796 036,00 | 33 411 853 650,00 |
| a. Gross Loans | 34 377 519 825,00 | 35 065 869 100,00 |
| b. Leasing Operations, Gross | 0,00 | 0,00 |
| c. Minus: Reserve for Possible Losses on Loans and Leasing | 1 789 723 789,00 | 1 654 015 450,00 |
| d. Loans and Leasing Operations, Net | 32 587 796 036,00 | 33 411 853 650,00 |
| 8 a. Purchased Bills | 0,00 | 0,00 |
| b. Minus: Reserve for Possible Losses on Purchased Bills | 0,00 | 0,00 |
| c. Purchased Bills, Net | 0,00 | 0,00 |
| 9. Clients’ Liabilities on Financial Instruments | 3 503 138,00 | 3 654 021,00 |
| 10. Fixed Assets, Net | 830 373 254,00 | 855 471 486,00 |
| 11. Accrued Interest Receivable | 1 159 648 293,00 | 851 632 545,00 |
| 12. Other Bank Owned Assets | 119 428 057,00 | 106 097 389,00 |
| a. Investments in Real Estate | 0,00 | 0,00 |
| b. Other Assets Acquired Through Credit Settlements | 498 726 669,00 | 481 049 106,00 |
| c. Minus: Reserves for Possible Losses on Other Bank Owned Assets | 384 829 732,00 | 382 446 354,00 |
| d. Net Other Bank Owned Assets | 0,00 | 0,00 |
| 13. Other Assets | 35 442 081,00 | 142 962 664,00 |
| 14. Total Assets | 50 480 747 728,00 | 50 673 248 592,00 |
| LIABILITIES AND EQUITY | ||
| LIABILITIES | ||
| 15. Demand Deposits | 7 896 091 515,00 | 7 618 133 608,00 |
| 16. Savings Deposits | 0,00 | 0,00 |
| 17. Time Deposits | 16 835 635 060,00 | 17 486 015 081,00 |
| 18. Payable to Central Bank | 42 813 557,00 | 132 954 290,00 |
| 19. Payable to Other Banks | 722 021 623,00 | 599 712 965,00 |
| 20. Securities Sold Under Repurchase Agreements | 5 233 966 958,00 | 5 157 474 163,00 |
| 21. Loans and Leasing Operations Payable | 10 228 618 822,00 | 10 681 850 577,00 |
| 22. Subordinated Debt Obligations | 583 104 323,00 | 558 957 339,00 |
| 23. Accrued Interest Payable | 781 163 480,00 | 714 245 664,00 |
| 24. Other Liabilities | 851 287 393,00 | 779 650 628,00 |
| 25. Total Liabilities | 43 174 702 731,00 | 43 728 994 315,00 |
| EQUITY | ||
| 26. Charter Capital | 3 834 217 639,00 | 3 834 217 639,00 |
| a. Shares - Common | 3 826 165 639,00 | 3 826 165 639,00 |
| b. Shares - Preferred | 8 052 000,00 | 8 052 000,00 |
| 27. Additional Capital | 754 434,00 | 754 434,00 |
| 28. Reserve Capital | 963 784 200,00 | 963 494 324,00 |
| a. General Purpose Reserve Fund | 953 359 598,00 | 953 359 598,00 |
| a.1. Of which, reserves created for standard assets | 0,00 | 0,00 |
| b. Devaluation Reserve | 0,00 | 0,00 |
| c. Other Reserves and Funds | 10 424 602,00 | 10 134 726,00 |
| 29. Retained Earnings | 2 507 288 724,00 | 2 145 787 880,00 |
| 30. Total Equity | 7 306 044 997,00 | 6 944 254 277,00 |
| 31. Total Liabilities and Equity | 50 480 747 728,00 | 50 673 248 592,00 |
| 1. INTEREST INCOME | |
| a. Interest Income from Central Bank Accounts | 80 393 151,00 |
| b. Interest Income from Other Bank Accounts | 219 499 707,00 |
| c. Interest Income from Purchased Bills | 0,00 |
| d. Interest Income from Investments | 0,00 |
| e. Interest Income from Buy-Sell Accounts | 325 269 144,00 |
| f. Interest Income from Client Obligations | 0,00 |
| g. Interest Income from Client Obligations on Unpaid Acceptances | 0,00 |
| h. Interest, Discounts, and Charges on Loan and Leasing Operations | 3 062 887 807,00 |
| i. Interest Income from Securities Repurchase Agreements | 0,00 |
| j. Other Interest Income | 1 772 355 485,00 |
| k. Total Interest Income | 5 460 405 294,00 |
| 2. INTEREST EXPENSES | |
| a. Interest Expenses on Demand Deposits | 63 002 025,00 |
| b. Interest Expenses on Savings Deposits | 0,00 |
| c. Interest Expenses on Time Deposits | 1 194 235 618,00 |
| d. Interest Expenses on Accounts Payable to Central Bank | 0,00 |
| e. Interest Expenses on Accounts Payable to Other Banks | 27 620 341,00 |
| f. Total Interest Expenses on Deposits | 1 284 857 984,00 |
| g. Interest Expenses on Loans Payable | 407 421 030,00 |
| h. Interest Expenses on Securities Sold with Repurchase Agreements | 0,00 |
| i. Other Interest Expenses | 2 023 033 725,00 |
| j. Total Interest Expenses on Borrowings | 0,00 |
| k. Total Interest Expenses | 3 715 312 739,00 |
| 3. NET INTEREST INCOME BEFORE PROVISION FOR LOAN AND LEASING LOSSES | 1 745 092 555,00 |
| a. Minus: Provision for Possible Loan and Leasing Losses | 2 940 740 874,00 |
| b. Net Interest Income After Provision for Loan and Leasing Losses | -1 195 648 319,00 |
| 4. NON-INTEREST INCOME | |
| a. Fees and Service Charges Income | 236 398 306,00 |
| b. Foreign Currency Gains | 493 956 477,00 |
| c. Profit from Commercial Operations | 0,00 |
| d. Income and Dividends from Investments | 0,00 |
| e. Other Non-Interest Income | 1 417 189 244,00 |
| f. Total Non-Interest Income | 2 147 544 027,00 |
| 5. NON-INTEREST EXPENSES | |
| a. Commissions and Service Charges | 66 764 760,00 |
| b. Foreign Currency Losses | 411 001 397,00 |
| c. Losses on Buy-Sell Accounts | 0,00 |
| d. Losses from Investments | 0,00 |
| e. Other Non-Interest Expenses | 11 982 060,00 |
| f. Total Non-Interest Expenses | 489 748 217,00 |
| 6. NET INCOME BEFORE OPERATING EXPENSES | 462 147 491,00 |
| 7. OPERATING EXPENSES | |
| a. Salaries and Other Employee Expenses | 577 622 187,00 |
| b. Rent and Maintenance | 63 201 381,00 |
| c. Travel and Transport Expenses | 5 675 236,00 |
| d. Administrative Expenses | 41 013 085,00 |
| e. Representation and Charity | 37 838 796,00 |
| f. Depreciation Expenses | 91 432 808,00 |
| g. Insurance, Taxes and Other Expenses | 37 678 437,00 |
| h. Total Operating Expenses | 854 461 930,00 |
| 8. NON-CREDIT LOSS ASSESSMENT | 0,00 |
| 9. NET PROFIT BEFORE TAXES AND OTHER ADJUSTMENTS | -392 314 439,00 |
| a. Income Tax Assessment | 210 035,00 |
| 10. INCOME BEFORE ADJUSTMENTS | -392 524 474,00 |
| a. Unexpected Net Gains or Losses | 0,00 |
| b. Other Adjustments to Profit, Net | 0,00 |
| 11. NET PROFIT (LOSS) | -392 524 474,00 |
| Position name | |
|---|---|
| Full Name of Executive Body Leader: | Ртвеладзе Садро |
| Full Name of Chief Accountant: | Норметов Элёр Зафарович |
| Full Name of Authorized Person Posting Info on Website: | Латипова Сабина Альбертовна |