Sberbank information (materials)


Assets and Liabilities Analysis



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4.Assets and Liabilities Analysis


Aggregate balance sheet:




1 January 2012

1 January 2011







balance




balance










mln rubles

share, %

mln rubles

share, %

change, %

Cash

492,881

4.7%

322,303

3.8%

52.9%

Funds in the RF Central Bank

151,197

1.4%

128,925

1.5%

17.3%

Funds in lending institutions

38,444

0.4%

61,888

0.7%

-37.9%

Net investments in securities

1,580,627

15.2%

1,851,423

21.7%

-14.6%

Net loans receivable

7,658,871

73.5%

5,714,301

67.0%

34.0%

Fixed assets, stocks

370,948

3.6%

317,379

3.7%

16.9%

Other assets

126,452

1.2%

127,028

1.6%

-0.5%

Total assets

10,419,419

100.0%

8,523,247

100.0%

22.2%



















Funds from the RF Central Bank

565,388

5.4%

300,000

3.5%

88.5%

Funds from lending institutions

477,467

4.6%

291,094

3.4%

64.0%

Funds from clients

7,877,198

75.6%

6,666,978

78.2%

18.2%

Issued debentures

87,223

0.8%

111,983

1.3%

-22.1%

Other liabilities

84,730

0.8%

76,992

1.0%

10.1%

Reserves for other losses

26,771

0.3%

26,313

0.3%

1.7%

Sources of own funds

1,300,642

12.5%

1,049,887

12.3%

23.9%

Total liabilities

10,419,419

100.0%

8,523,247

100.0%

22.2%


Assets of the Bank added 22.2% in 2011, or almost 2 trillion rubles to reach 10.4 trillion rubles. Such growth was based on loans to clients14 that added 2 trillion rubles by year's end.

  • The corporate sector was granted more than 5.5 trillion rubles in 2011. The credit portfolio of corporate clients increased by 34.1% during the year to reach 6.4 trillion rubles.

  • Retail clients were given 1.2 trillion rubles during the reporting year. The retail loan portfolio added 36.6% during the year to reach 1.8 trillion rubles. During the year, the portfolio grew steadily in all regions of the country.

By year's end, net investments in securities lost 14.6% as a result of redemption of the Bank of Russia's bonds.

Customer deposits traditionally remain the main source of funding for the Bank's operations. By year's end, their volume increased by 1.2 trillion rubles or 18.2%, and amounted to 7.9 trillion rubles. Deposits from retail clients exceeded 5.5 trillion rubles, funds from legal entities amounted to 2.2 trillion rubles, client funds on precious metal accounts reached 115 billion rubles.

Calculated pursuant to Regulation #215-P of the Bank of Russia, the Bank's capital grew 22.1% in 201115. Net earnings produced by the Bank represent the source of its capital’s growth. Capital adequacy was 15.0% as of 1 January 2012.




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