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Assets and Liabilities Analysis

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Total assets 10,419,419 100.0%
Total liabilities 10,419,419 100.0%

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 clients^¹⁴ 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 2011^¹⁵. 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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