bulletin of banking statistics · 5 bulletin of banking statistics „ 3 (94) 1. major...
TRANSCRIPT
THE CENTRAL BANK OF THE RUSSIAN FEDERATION
BULLETINOF BANKING STATISTICS
MOSCOW 2001
№ 3 (94)
Registered by the Press Committee of the Russian FederationRegistration Number 012267
Published since June 1993
© Copyright: Central Bank of the Russian Federation
Publisher and distributor: Business news agency Prime-TASSAddress subscription requests to: 103009, Moscow, Tverskoy blvrd., 2.
Telephone: 974-7664, Telefax: 292-3690.Printed by Novosti Press
1BULLETIN OF BANKING STATISTICS № 3 (94)
In accordance with IMF Special Data Dissemination Standard (SDDS), we herein inform our readers aboutapproximate dates of publication of some banking statistics indicators in April—July 2001:
hcraMniatadesaeleR — nuJ e 1002ninwohssietalerdesaelerebotatadhcihwot)etadro(doirepehT(
)sesehtnerap
lirpA yaM enuJ yluJ
stnuoccalacitylanafosetagergganiaM.12M,0Myenom—rotcesgniknabfo
citsemod,)ygolodohtemyevrusyratenom()srotcestnediserybnwodnekorb(tiderc
doirepfodne,noitisoplanretxetendna
*1002.40.03)1002.30(
*1002.50.13)1002.40(
*1002.60.92)1002.50(
*1002.70.13)1002.60(
stnuoccalacitylanafosetagergganiaM.2,yenomevreser—seitirohtuayratenomfo
dnatnemnrevoglarenegnosmialcsmialc,sesirpretnecilbuplaicnanif-non
snoitutitsnitidercnosmialc,rotcesetavirpnodoirepfodne,noitisoplanretxetendna
*1002.40.71)1002.30(
*1002.50.71)1002.40(
*1002.60.51)1002.50(
*1002.70.71)1002.60(
stropmidnastropxe:stnemyapfoecnalaB.3stropmidnastropxe,)BOF(sdoogfo
,emocnitnemtsevni,secivresfotnerruc,seeyolpmefonoitasnepmoc
,tnemtsevnitcerid,srefsnartlatipac,srefsnart,tnemtsevnirehto,tnemtsevnioiloftrop
,stessaevreserottnemtsujda,stessaevresergnitroperehtrof,snoissimodnasrorreten
raey,retrauq
1002.60.03)1002.1Q(
,dlogyratenom:sevreserlanoitanretnI.4sthgiRgniwarDlaicepS,egnahcxengierof
,FMIehtninoitisopevreser,)sRDS(doirepfodne
1002.40.9)1002.30(
1002.50.8)1002.40(
1002.60.7)1002.50(
1002.70.9)1002.60(
htnomgnitroperrofedartesidnahcreM.5stnemyapfoecnalabehtotgnidrocca(
)ygolodohtem
1002.40.11)1002.20(
1002.50.11)1002.30(
1002.60.11)1002.40(
1002.70.21)1002.50(
s’rotcesgniknabnoitaredeFnaissuRehT.6fodne,noitisoptnemtsevnilanoitanretni
retrauqgnitroper
1002.60.03)1002.1Q(
etarelbur/rallodSUlaiciffO.7 yliad yliad yliad yliad
)RBC(aissuRfoknaBlartneCfosetartseretnI.8
etargnicnanifeR.1.8 srotceriDfodraoBaissuRfoknaBehtybdexifsitiretfayadtxenehtnO
etartidercthginrevO.2.8 yliad yliad yliad yliad
etartisopeD.3.8 yliad yliad yliad yliad
seitiruceStnemnrevoGnoetartseretnI.4.8 yliad yliad yliad yliad
.etadnoitacilbupatadyranimilerP*
tenretnIRBCehtno)RCAIM(etartekramyenomlautcaosladnaseirogetacdenoitnem-evobaehtnoatadsetanimessidRBCehTetisbew .ur.rbc.www//:ptth
2BULLETIN OF BANKING STATISTICS № 3 (94)
CONTENTS
1. MAJOR MACROECONOMIC AND MONETARY INDICATORS
1.1. Macroeconomic Indicators ................................................................ 5
1.2. Individual Indicators Featuring the Fiscal Sphere ..................................... 6
1.3. Sources of Funding the Federal Budget Deficit ........................................ 7
1.4. The Russian Federation Balance of Payments * ....................................... 9
1.5. The Russian Federation Credit Institutions’ InternationalInvestment Position* ...................................................................... 15
1.6. The Russian Federation Merchandise Trade
(Based on the Balance of Payments Methodology)* ................................. 17
1.7. Gross International Reserves* .......................................................... 18
1.8. Analytical Accounts of Monetary Authorities* ........................................20
1.9. Analytical Accounts of Credit Institutions ............................................ 21
1.10. Monetary Survey* ...........................................................................24
1.11. Money Supply (National Definition) .....................................................25
2. MAJOR INDICATORS AND INSTRUMENTSOF THE BANK OF RUSSIA MONETARY POLICY
2.1. Bank of Russia Balance Sheet ............................................................27
2.2. Refinancing Rate* ..........................................................................28
2.3. Credit Institutions’ Fixed Percentage Ratios in Bank of Russia
Required Reserves .........................................................................28
2.4. Individual Indicators of the Bank of Russia Deposit Transactions
on the Money Market* ......................................................................30
2.5. Official US Dollar to Ruble Rate* .........................................................32
2.6. Official Euro to Ruble Rate ................................................................35
2.7. Official German Mark to Ruble Rate ....................................................37
2.8. Bank of Russia Precious Metals Quotes ................................................39
3. FINANCIAL MARKETS
3.1. Interbank Credit Market
3.1.1. Monthly Average Moscow Interbank Bid Rates (MIBID),Monthly Average Moscow Interbank Offered Rates (MIBOR) andMonthly Weighted Average Moscow Interbank Actual Credit Rates (MIACR) ........ 40
3.1.2. Daily Average Moscow Interbank Bid Rates (MIBID)Daily Average Moscow Interbank Offered Rates (MIBOR) andDaily Weighted Average Moscow Interbank Actual Credit Rates (MIACR)* ........... 41
3.2. Exchange Market
3.2.1. US Dollar Trade at Interbank Currency Exchange .............................................. 42
3.2.2. Euro Trade at Interbank Currency Exchange ..................................................... 44
3.2.3. German Mark Trade at Interbank Currency Exchange ........................................ 45
3.2.4. Foreign Cash Flow Through Authorized Banks Across Russia ............................ 46
3.2.5. Selected Indicators Featuring Foreign Cash Transactionsby Authorized Banks’ Exchange Offices ........................................................... 48
3.2.6. Average Foreign Cash Purchase and Sale Transactions with Individualsby Authorized Banks and Their Branches ......................................................... 51
3BULLETIN OF BANKING STATISTICS № 3 (94)
3.3. Major Features of Transactions in Government Securities
3.3.1. Main Highlights of Auctions for GKO—OFZ Placement ...................................... 53
3.3.2. Data on Redemptions and Coupon Payments on Government Securities ............. 53
3.3.3. Term Structure of Bonded Debt (with Respect to GKO and OFZ) ........................ 54
3.3.4. Major Parameters of the GKOs—OFZs Secondary Market ................................. 55
3.3.5. Average Weighted Interest Rates on Government Securities Market ................... 58
3.4. Corporate Securities Market Indicators* ..............................................59
3.5. International Financial Markets
3.5.1. Treasury Bills Yield ........................................................................................ 60
3.5.2. Money Market Rates ..................................................................................... 61
3.5.3. Deposit Rates ............................................................................................... 62
3.5.4. Lending Rates .............................................................................................. 63
4. CREDIT INSTITUTIONS PERFORMANCE
4.1. General Description
4.1.1. Number and Structure of Credit Institutions ..................................................... 64
4.1.2. Credit Institutions Grouped by Registered Authorized Capital ............................ 67
4.1.3. Selected Indicators of Credit Institutions Performance Grouped by Assets .......... 69
4.2. Borrowings
4.2.1. Deposits ...................................................................................................... 71
4.2.2. Average Weighted Deposit Interest Rates on Corporate and Personalin Rubles ...................................................................................................... 74
4.2.3. Average Weighted Deposit Interest Rates on Corporate and Personalin US Dollars ................................................................................................ 75
4.2.4. Average Weighted Deposit Interest Rates on Interbank in Rubles ........................ 76
4.2.5. Deposit and Savings Certificates and Bonds .................................................... 77
4.2.6. Average Weighted Interest Rates on Deposit and
Savings Certificates and Bonds ...................................................................... 78
4.2.7. Funds Owned by Legal Entities and Individuals and Raised Through Bills ............. 79
4.2.8. Average Weighted Interest Rates on Bills ......................................................... 80
4.3. Lending
4.3.1. Corporate, Interbank and Personal Loans ........................................................ 81
4.3.2. Average Weighted Interest Rates on Corporate
and Personal Loans in Rubles ......................................................................... 83
4.3.3. Average Weighted Interest Rates on Corporate
and Personal Loans in US Dollars ................................................................... 84
4.3.4. Average Weighted Interest Rates on Interbank Loans in Rublesand in US Dollars .......................................................................................... 85
4.3.5. Credit Institutions’ Investment Portfolio ........................................................... 86
4.3.6. Discounted Bills ............................................................................................ 88
4.3.7. Average Weighted Interest Rates on Discounted Bills ........................................ 89
4.4. Credit Institutions’ Claims and Liabilities on Financial Derivatives ............. 91
4BULLETIN OF BANKING STATISTICS № 3 (94)
List of Charts
1. Gross International Reserves of the Russian Federation ...................................... 19
2. International Reserves Adequacy Ratio (international reserves in month of import) .... 19
3. Structure of Aggregate Assets of Credit Institutions as of 31.01.2001 .................. 23
4. Structure of Aggregate Liabilities of Credit Institutions as of 31.01.2001 ............... 23
5. Money Supply Dynamics ............................................................................... 26
6. Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits ............ 29
7. Interest Rates Dynamics in 1997—2001 .......................................................... 31
8. Interest Rates Dynamics in October, 2000 — February, 2001 ............................... 31
9. Official US Dollar to Ruble Exchange Rate Dynamicsin August, 1998 — February, 2001 ................................................................. 34
10. Dynamics of Foreign Cash Purchase and Sale Transactions with Individualsby Authorized Banks and Their Branches .......................................................... 50
11. Foreign Cash Sources in January, 2001 ........................................................... 52
12. Structure of Foreign Cash Expenditures in January, 2001 .................................... 52
13. RTS-Interfax Index Dynamics ........................................................................ 59
14. Structure of Registered Credit Institutions ....................................................... 68
15. Credit Institutions Grouped by Registered Authorized Capital ............................... 68
16. Comparative Data on Major Sources of Borrowing by Credit Institutionsas of 31.01.2001 (Based on Credit Institutions Grouped by Assets) ..................... 70
17. Comparative Data on Major Allocations of Funds by Credit Institutionsas of 31.01.2001 (Based on Credit Institutions Grouped by Assets) ..................... 70
18. Structure of Personal Deposits as of 31.01.2000/31.01.2001 ............................ 73
19. Structure of Loans Extended by Credit Institutions in Ruble and Foreign Currency .... 82
20. Dynamics of Debt on Credits Extended ............................................................ 82
The procedure for publication of some table indicators marked with (*) is in compliance with the IMF SpecialData Dissemination Standard (SDDS IMF).
Symbols and notes:— nil... not available
In some cases minor discrepancies between totals and sums of items are due to rounding.Figures in italics are revisions to previously published data.
The Bulletin of Banking Statistics on the Internet can be found on the Central Bank of Russia Internetwebsite http://www.cbr.ru.
5BULLETIN OF BANKING STATISTICS № 3 (94)
1. MAJOR MACROECONOMIC AND MONETARY INDICATORS1.1elbaT
srotacidnIcimonoceorcaM
noillib,tcudorpcitsemodssorG fo selbur 1
ehT sulprus/ticifedtegdublaredefegatnecrepPDGotlatoT
suoiverpehttsniagaegatnecrePdoireptnavelers’raey
8991 4.696,2 — 9.4 4.5
9991 0.706,4 5.3 1.1
0002 5.649,6 7.7 5.2 2
9991
1Q 5.638 7.2— 3.2
2Q 8.140,1 2.1 5.2
3Q 8.572,1 7.6 1.0
4Q 4.193,1 3.7 3.0
0002
1Q 1.983,1 4.8 2.2 2
2Q 3.595,1 7.6 1.5 2
3Q 4.429,1 9.7 1.2 2
noitcudorpseirtsudnicisabfotuptuoegatnecrePdoireptnavelers’raeysuoiverpehtotsecivresdna
xedniecirpremusnoCrebmeceDsuoiverpfo%sa
8991 — 8.5 4.48
9991 6.4 5.63
0002 0.8 2.02
0002
1Q 7.9 1.4 3
2Q 8.7 3.5 3
3Q 0.8 1.4 3
4Q 6.6 4.5 3
yraunaJ 1.9 3.2
yraurbeF 8.11 4.3
hcraM 3.8 1.4
lirpA 9.5 0.5
yaM 1.9 8.6
enuJ 4.8 5.9
yluJ 0.7 5.11
tsuguA 1.11 6.21
rebmetpeS 0.6 1.41
rebotcO 4.8 5.61
rebmevoN 5.7 2.81
rebmeceD 9.3 2.02
1002
yraunaJ 2.5 8.2
yraurbeF 8.1 1.5
1 9991foretrauqts1nidna8991niPDG .setamitse—
2 .egatnecrepPDGotsulprustegdublaredefehT
3 .doirepsuoiverpfo%sA
6B
UL
LE
TIN
OF
BA
NK
ING
ST
AT
IST
ICS
№ 3
(94
)
2.1elbaT
erehpSlacsiFehtgnirutaeFsrotacidnIlaudividnI)selburnoillib(
tegdubdetadilosnoC tegdublaredeF stegdublanoigeR
seuneveR:hcihwfo
-nepxEserutid
foecnalaBseunever
dna-idnepxe
serut(— ;ticifed
)sulprus+
seuneveR:hcihwfo
-nepxEserutid
foecnalaBseunever
dna-idnepxe
serut(— ;ticifed
)sulprus+
seuneveR:hcihwfo
-nepxEserutid
foecnalaBseunever
dna-idnepxe
serut(— ;ticifed
)sulprus+xat
stpiecerxatnon
seuneverxat
stpiecerxatnon
seuneverxat
stpiecerxatnon
seunever
8991 8.686 5.465 9.66 1.248 3.551— 9.523 3.352 3.34 2.274 3.641— 5.314 3.113 5.32 4.224 0.9—
9991 6.312,1 5.700,1 7.48 0.852,1 4.44— 5.516 7.905 2.94 9.666 4.15— 8.066 8.794 5.53 8.356 0.7
0002 0.970,2 7.707,1 9.131 6.178,1 4.702 6.721,1 5.569 9.96 1.459 5.371 6.250,1 2.247 0.26 7.810,1 9.33
9991
1Q 9.171 4.151 9.9 0.981 1.71— 1.98 1.08 6.4 3.801 2.91— 6.39 3.17 3.5 5.19 1.2
2Q 7.672 6.232 3.02 8.792 — 1.12 5.731 1.511 6.11 8.361 — 3.62 7.351 5.711 6.8 5.841 2.5
3Q 7.013 1.652 1.22 0.903 7.1 8.061 8.031 8.21 2.261 — 4.1 6.361 2.521 4.9 6.061 1.3
4Q 3.454 4.763 4.23 2.264 9.7— 1.822 7.381 2.02 6.232 —4 5. 9.942 8.381 3.21 2.352 — 4.3
0002
1Q 5.663 8.313 3.12 2.033 3.63 8.122 2.691 4.01 6.191 3.03 7.061 6.711 9.01 6.451 0.6
2Q 3.125 0.344 2.92 7.124 6.99 9.582 0.742 2.81 9.402 0.18 6.662 9.591 0.11 1.842 6.81
3Q 0.805 4.524 7.92 9.254 1.55 5.572 6.532 0.51 7.532 7.93 0.552 0.091 6.41 6.932 5.51
4Q 2.386 5.525 7.15 8.666 4.61 4.443 7.682 3.62 9.123 5.22 3.073 7.832 5.52 4.673 — 2.6
1002
yraunaJ 1.151 3.231 9.9 9.79 2.35 6.49 9.88 9.4 6.06 0.43 2.57 4.34 1.5 0.65 2.91
7BULLETIN OF BANKING STATISTICS № 3 (94)
.1
elb
aT
3
te
gd
uB
lar
ed
eF
eht
gni
dn
uF
fo
se
cru
oS
)sel
bur
noilli
b(
gni
dn
uff
os
ecru
oS
te
gd
ubl
are
def
,)sul
prus/ticif
ed(
lat
ot
gni
dulc
nI
secr
uos
citse
mo
D
:hci
hw
fo
stid
ercaiss
uR
fo
kn
aB
mret-tr
oh
Ss
eitiruc
est
ne
mnr
evo
g
-d
exifd
na
-el
bair
aV
na
ollar
ed
efe
moc
nis
dn
ob
elb
atekr
am
no
Ns
dn
ob
tn
em
nrev
og
sg
nivas
etat
Ss
dn
ob
na
ol
12
34
56
7
89
91
3.6
41
.1
62
0.0
.7
91
—9
8.9
51
9.0
5.1
99
91
4.1
59.
61
0.0
9.1
1—
8.2
51.
02.
9—
00
02
5.3
71
—4.
2—
0.0
6.3
—7.
4—
8.6
17.
1—
99
91
1Q
2.9
17.
8—
0.0
3.5
—0.
70.
0—
0.1
2Q
3.6
29.
01
—0.
06.
9—
8.8
5.4
1—
7.3
3Q
4.1
7.9
0.0
0.0
8.0
5.5
——
6.0
4Q
5.4
8.6
20.
00.
32.
63
9.8
——
9.3
00
02
1Q
3.0
3—
1.4
—0.
07.
66.
1—
9.5
0.2
—
2Q
0.1
8—
4.2
1—
0.0
—5.
00.
34.
1—
9.1
—
3Q
7.9
3—
3.6
1—
0.0
—2.
31.
2—
8.3
—1.
1
4Q
5.2
2—
4.0
30.
0—
6.6
0.4
—1.
61
1.1
10
02
yra
un
aJ0.
43
—7.
12
—0.
01.
0—
2.5
—0.
3—
0.0
8BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
)sel
bur
noilli
b(
gni
dulc
nI
:hci
hw
fo
secr
uos
ngi
ero
F
:hci
hw
fo
sel
asm
orfst
piec
eR
dn
at
ne
mnr
evo
gf
oytr
ep
orpl
apici
nu
m
sevr
eser
tn
em
nrev
oG
dn
asl
ate
ms
noic
erp
fo
se
nots
sn
oicer
p
dn
uft
eg
du
bf
oe
gn
ah
Ck
na
bni
sec
nal
ab
stn
uocc
a
morf
stid
erC
laic
na
nifla
noit
anr
etni
sn
oitasi
na
gro
yb
aissu
Rot
de
dn
etxe
stid
erC
ngi
erof
dn
ast
ne
mnr
evo
gn
gier
ofd
nask
nablaicr
em
moc
sei
nap
moc
89
01
11
21
31
89
91
——
.1
—4
1.5
80.
31
4.8
7
99
91
5.4
—5.
51
9.5
3—
5.4
38.
45
—7.
60
1
00
02
2.7
29.
93
2.2
4—
—0.
17
14.
47
——
4.7
4
99
91
1Q
4.0
3.4
8.3
1—
9.7
24.
61
—3.
44
2Q
7.0
—8.
28.
22
—2.
73
4.9
1—
6.6
5
3Q
3.3
—4.
07.
11
—3.
80.
1—
—3.
7
4Q
9.0
—0.
80.
11
—2
2—
3.0.
81
—1.
31
00
02
1Q
1.1
1.0
10.
9—
1.6
2—
1.2
2—
0,7
—
2Q
6.1
1.5
1.5
1—
7.8
6—
3.3
2—
3,1
3—
3Q
4.3
4.5
8.4
1—
4.3
2—
3.3
1—
3,2
4Q
1.1
23.
91
3.3
—8.
25
—7.
51
—4.
11
—
10
02
yra
un
aJ2.
05
0.0
—5.
31
—3.
21
—7.
3—
3.2
—
9B
UL
LE
TIN
OF
BA
NK
ING
ST
AT
IST
ICS
№ 3
(94
)
4.1elbaT
stnemyaPfoecnalaBnoitaredeFnaissuRehTtnuoccAtnerruC
)noillimDSU(
tropxEsdoogfo
)BOF(
secivresfotropxE tropxEsdoogfo
secivresdna)5+1(
noitasnepmoCseeyolpmefo
deviecer
tnemtsevnIemocni
elbaviecer
hcihwfolarenegybtnemnrevog
tnerruCsrefsnartdeviecer
tnerruclatoTtnuoccastpiecer
)01+8+7+6(tropsnarT
secivreslevarT rehtO
latoT)4+3+2(
1 2 3 4 5 6 7 8 9 01 11
4991 628,76 368,3 214,2 051,2 424,8 052,67 801 293,3 568,2 113 160,08
5991 319,28 187,3 213,4 574,2 765,01 184,39 661 211,4 030,3 498 356,89
6991 365,09 036,3 201,7 945,2 182,31 448,301 201 232,4 699,2 377 059,801
7991 800,98 946,3 461,7 862,3 080,41 880,301 722 041,4 277,2 014 468,701
8991 488,47 071,3 805,6 496,2 273,21 752,78 103 000,4 575,2 803 568,19
9991 666,57 600,3 327,3 833,2 760,9 337,48 524 654,3 525,2 381,1 797,98
0002 565,501 162,3 938,3 235,2 236,9 791,511 005 352,4 182,2 708 757,021
8991,1Q 455,81 227 213,1 597 038,2 483,12 15 624,2 310,2 77 839,32
8991,2Q 668,81 147 458,1 146 632,3 201,22 47 167 233 17 900,32
8991,3Q 521,81 087 112,2 475 565,3 986,12 28 305 531 26 633,22
8991,4Q 933,91 729 231,1 386 247,2 180,22 49 013 59 79 385,22
9991,1Q 165,51 856 266 454 477,1 433,71 201 571,2 599,1 38 596,91
9991,2Q 479,61 057 729 906 682,2 062,91 111 016 933 352 432,02
9991,3Q 269,81 067 492,1 765 126,2 385,12 111 013 411 473 873,22
9991,4Q 961,42 838 048 807 683,2 555,62 201 163 67 374 194,72
0002,1Q 463,42 976 756 374 908,1 371,62 301 704,2 949,1 022 209,82
0002,2Q 900,52 168 569 325 843,2 753,72 611 206 511 152 623,82
0002,3Q 827,62 668 093,1 966 529,2 356,92 921 485 821 351 915,03
0002,4Q 464,92 658 828 768 055,2 410,23 251 956 09 381 900,33
10BULLETIN OF BANKING STATISTICS № 3 (94)
.tn
oC
tn
uo
cc
At
nerr
uC
)n
oillim
DS
U(
tro
pmI
sd
oo
gf
o)
BO
F(
secivr
esf
otr
op
mItr
op
mIs
do
og
fo
dn
as
ecivres
)6
1+
21(
noit
asn
ep
mo
Cs
eey
olp
me
fo
dia
p
tn
emts
evnI
em
ocni
elb
aya
p
hcih
wf
ol
are
ne
gy
bt
ne
mnr
evo
g
tn
erru
Cdi
ap
srefs
nart
tn
errucl
ato
Tt
nu
occa
eruti
dn
epx
e)
12
+9
1+
81
+7
1(tr
ops
nar
Ts
ecivres
lev
arT
re
htO
lat
oT
)5
1+
41
+3
1(
21
31
41
51
61
71
81
91
02
12
22
49
91
25
4,0
58
20,
32
90,
72
71,
52
92,
51
44
7,5
62
22
81
1,5
17
8,4
44
58
26,
17
59
91
30
6,2
67
03,
39
95,
11
27
2,5
87
1,0
21
87,
28
96
41
81,
74
85,
68
37
96
1,1
9
69
91
29
0,8
62
95,
21
10,
01
53
0,6
73
6,8
19
27,
68
70
50
62,
90
50,
70
07
79
1,7
9
79
91
38
9,1
71
99,
23
11,
01
39
8,6
89
9,9
10
89,
19
86
50
94,
21
86
0,0
16
67
40
8,5
01
89
91
51
0,8
53
67,
27
76,
88
89,
48
24,
61
34
4,4
75
64
62
6,5
16
34,
21
44
69
71,
19
99
91
73
5,9
31
22,
27
90,
77
11,
45
34,
31
17
9,2
54
02
39
3,1
10
71,
92
85
05
1,5
6
00
02
26
8,4
40
33,
24
22,
01
87
8,4
23
4,7
14
92,
26
23
22
71,
11
41
6,8
71
75
14,
47
89
91,
1Q
14
8,7
13
47
53
9,1
44
3,1
22
0,4
36
8,1
21
41
46
0,4
00
2,3
90
27
72,
62
89
91,
2Q
88
3,7
12
47
61
6,2
33
3,1
09
6,4
97
0,2
25
41
08
9,3
51
0,3
31
27
14,
62
89
91
,3
Q1
34,
31
94
65
17,
23
60,
16
24,
48
58,
71
41
17
35,
41
48,
37
86
95,
22
89
91
,4
Q4
53,
90
36
11
4,1
94
2,1
09
2,3
44
6,2
15
65
40,
31
83,
25
31
98
8,5
1
99
91
,1
Q1
11,
95
64
08
21
06
95
07,
26
18,
11
54
66
3,3
64
8,2
91
15
43,
51
99
91
,2
Q8
01,
01
94
55
17,
12
00,
16
62,
33
73,
31
35
24
5,2
75
8,1
16
19
21,
61
99
91
,3
Q4
84,
91
85
36
1,2
06
0,1
30
8,3
78
2,3
12
61
43,
33
77,
29
41
93
8,6
1
99
91
,4
Q3
38,
01
62
60
49,
15
90,
11
66,
34
94,
41
54
44
1,2
49
6,1
35
17
38,
61
00
02
,1
Q0
89,
90
84
45
7,1
64
1,1
18
3,3
16
33
18
41
14,
30
67,
27
51
77
9,6
1
00
02
,2
Q9
73,
01
78
52
17,
25
31,
14
34,
43
18
41
75
85
3,2
84
6,1
55
13
83,
71
00
02
,3
Q7
21,
11
72
67
73,
39
41,
13
51,
50
82
61
16
54
4,3
30
9,2
78
13
79,
91
00
02
,4
Q5
73,
31
53
62
83,
28
44,
14
64,
40
48
71
76
75
9,1
20
3,1
81
22
80,
02
11BULLETIN OF BANKING STATISTICS № 3 (94)
.tn
oC
)s
ec
nal
aB
etai
de
mret
nI(t
nu
oc
cA
tn
erru
C)
noilli
mD
SU(
ecn
ala
be
dar
T)
21
—1(
se
pytecivr
esn
oec
nal
aB
dn
as
do
oG
secivr
esec
nal
ab
)7
2+
32(
noit
asn
ep
mo
Cs
eey
olp
me
fo
ecn
ala
b)
81
—7(
tn
emts
evnI
em
ocni
ecn
ala
b)
91
—8(
tn
erru
Csr
efsn
artec
nal
ab
)1
2—
01(
tn
uocc
at
nerr
uC
ecn
ala
b=)
13
+0
3+
92
+8
2()
22
—1
1(
tro
psn
arT
secivr
es)
31
—2(
lev
arT
)4
1—
3(r
eht
O)
51
—4(
ecn
ala
blat
oT
)6
2+
52
+4
2(
32
42
52
62
72
82
92
03
13
23
49
91
57
6,7
14
38
18
6,4
—0
20,
3—
86
8,6
—6
05,
01
41
1—
62
7,1
—2
32
—4
34,
8
59
91
01
3,0
24
74
78
2,7
—7
97,
2—
11
6,9
—9
96,
01
30
3—
96
0,3
—7
51
48
4,7
69
91
17
4,2
29
30,
19
09,
2—
58
4,3
—6
53,
5—
51
1,7
16
04
—9
20,
5—
27
35
7,1
1
79
91
52
0,7
17
56
05
9,2
—5
26,
3—
81
9,5
—7
01,
11
24
3—
05
3,8
—6
53
—0
60,
2
89
91
96
8,6
17
04
96
1,2
—5
92,
2—
65
0,4
—3
18,
21
46
1—
62
6,1
1—
73
3—
78
6
99
91
92
1,6
35
87
47
3,3
—9
77,
1—
86
3,4
—1
67,
13
12
27
39,
7—
10
67
46,
42
00
02
30
7,0
61
39
58
3,6
—6
43,
2—
00
8,7
—4
09,
25
86
29
19,
6—
09
24
3,6
4
89
91
,1
Q3
17
02
—3
26
—8
45
—2
91,
1—
97
4—
98
—8
36,
1—
23
1—
93
3,2
—
89
91
,2
Q8
74,
11
—2
67
—1
96
—4
54,
1—
42
17
—9
12,
3—
24
1—
80
4,3
—
89
91
,3
Q3
96,
42
31
40
5—
98
4—
26
8—
23
8,3
23
—4
30,
4—
52
—1
62
—
89
91
,4
Q5
89,
97
92
97
2—
66
5—
84
5—
73
4,9
92
53
7,2
—7
3—
49
6,6
99
91
,1
Q9
44,
62
91
81
6—
60
5—
23
9—
81
5,5
75
09
1,1
—6
3—
94
3,4
99
91
,2
Q6
68,
61
02
88
7—
39
3—
08
9—
68
8,5
95
23
9,1
—2
95
01,
4
99
91
,3
Q8
74,
99
71
96
8—
39
4—
28
1,1
—6
92,
89
42
30,
3—
52
28
35,
5
99
91
,4
Q6
33,
31
21
29
90,
1—
88
3—
57
2,1
—1
60,
21
65
38
7,1
—0
23
45
6,0
1
00
02
,1
Q4
83,
41
99
17
90,
1—
37
6—
27
5,1
—2
18,
21
55
40
0,1
—3
66
29,
11
00
02
,2
Q0
36,
41
37
27
47,
1—
21
6—
68
0,2
—5
45,
21
95
65
7,1
—5
93
49,
01
00
02
,3
Q1
06,
51
93
27
89,
1—
08
4—
82
2,2
—2
73,
31
96
16
8,2
—3
3—
64
5,0
1
00
02
,4
Q9
80,
61
12
24
55,
1—
18
5—
41
9,1
—5
71,
41
58
89
2,1
—5
3—
72
9,2
1
12
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
.tnoC
)devieceRsrefsnarTlatipaC(tnuoccAlatipaC)”+“esaercnI,”—“esaerceD:seitilibaiLnisegnahC(tnuoccAlaicnaniFdna
)noillimDSU(
latipaC-refsnart
sdeviecer
seitilibailtnemnrevoglareneG foknaBs’aissuRseitilibail
nanoFMInaol
’sknaBseitilibail
seitilibail’srotcesrehtOlatoT
seitilibail+01+9()71+11
oiloftroP-tsevni
tnem)4+3(
hcihwfosnaoL)7+6(
hcihwfo
rehtOlatoT
)8+5+2(
tceriD-tsevni
tnem
oiloftroP-tsevni
tnemsnaoL
edarTstiderc
dnasecnavda
rehtO
latoT+31+21(+51+41
)61
-itirucesniseselbur
setirucesngierofniycnerruc
toneudrevo
sraerrani
1 2 3 4 5 6 7 8 9 01 11 21 31 41 51 61 71 81
4991 288,5 84— 0 84— 324,4 462,1 061,3 078 542,5 0 399 436 0 192 879— 062 702 544,6
5991 221,3 028— 0 028— 003,8 482,7 610,1 212,1 396,8 0 678,2 170,2 93 931,1 090,8— 245 992,4— 072,7
6991 660,3 072,2 216,1 856 416,8 750,6 755,2 25— 338,01 0 002,4 435,2 681,2 093,3 957— 13 383,7 514,22
7991 731,2 944,44 288,01 765,33 216,12— 548,2 754,42— 849— 988,12 0 109,8 877,4 972,1 636,6 46— 0 926,21 814,34
8991 407,1 372,8 263— 536,8 282,6 149,1 043,4 422 877,41 397,3 262,6— 005,2 138 799,4 223 0 056,8 959,02
9991 588 868— 763 532,1— 657,1 3 357,1 31— 578 719— 978— 418,2 522— 844— 192 0 234,2 115,1
0002 228,11 167,01— 744,1— 413,9— 999,3— 172,2— 827,1— 93 127,41— 0 715,1 574,2 38 398— 0 0 566,1 835,11—
8991,1Q 143 411,4 890,3 610,1 230,1 307 923 201 842,5 0 132 754 941 975,1 75— 0 921,2 706,7
8991,2Q 735 913,4 133— 056,4 782 94 932 97 686,4 0 838,1 993 21 289,1 711 0 015,2 330,9
8991,3Q 574 759 762,2— 422,3 144,3 669,1 574,1 86 664,4 397,3 301,5— 174 3— 761,1 18 0 517,1 278,4
8991,4Q 153 711,1— 268— 552— 125,1 777— 892,2 52— 973 0 822,3— 471,1 276 862 181 0 692,2 455—
9991,1Q 022 971 194— 076 269 172,1— 332,2 49 532,1 0 0 674 83— 66— 421 0 594 037,1
9991,2Q 881 915— 796 612,1— 193— 231,1— 147 341— 350,1— 0 43— 646 932 63— 19 0 149 541—
9991,3Q 522 844— 411— 433— 022,1 891,3 979,1— 91 197 454— 959— 355 55 011— 14 0 935 38—
9991,4Q 252 08— 572 553— 43— 297— 757 71 89— 464— 411 931,1 184— 632— 53 0 754 01
0002,1Q 112 101 — 821 922 011 851— 862 03 042 0 85 694 964 747— 0 0 812 715
0002,2Q 281 143,1— 182— 060,1— 12— 921,1— 801,1 1 163,1— 0 831— 514 171— 79— 0 0 741 253,1—
0002,3Q 422,11 747,8— 765— 081,8— 601,3— 8— 890,3— 6 748,11— 0 955 016 631— 571— 0 0 003 989,01—
0002,4Q 502 477— 174— 303— 289— 579— 6— 3 357,1— 0 930,1 459 97— 621 0 0 100,1 782
13
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
.tnoC
)diaPsrefsnarTlatipaC(tnuoccAlatipaC)”—“esaercnI,”+“esaerceD:sevreseRtpecxE,stessAnisegnahC(tnuoccAlaicnaniFdna
)noillimDSU(
latipaCsrefsnart
diap
stessatnemnrevoglareneG
’sknaBstessa
stessa’srotcesrehtO
latoTstessa
)13+52+42(snaoL
)22+12(
hcihwfo
rehtOlatoT
)32+02(
dnatceriDoiloftrop
tnemtsevni
ngieroFycnerruc
edarTstiderc
dnasecnavda
kcotsnisegnahCdetairtaper-nonfo
sdeecorptropxe-nonnidna
tropmidetairtapersecnavda
ssendetbednIseilppusnootgnidrocca-nrevogretni
latnemstnemeerga
rehtOlatoT+72+62(
)03+92+82toneudrevo
nisraerra
91 02 12 22 32 42 52 62 72 82 92 03 13 23 33
4991 274,3— 121,2— 126,01 247,21— 699— 811,3— 199,2— 292— 325,5— 985,3— 580,4— — 92— 715,31— 626,91—
5991 964,3— 845,1— 100,9 945,01— 664 280,1— 079,3 469,1— 602 153,8 932,5— — 292— 260,1 159,3
6991 925,3— 803— 931,9 644,9— 13 772— 898,2— 071— 668,8— 451,9— 911,01— — 071— 874,82— 356,13—
7991 439,2— 243,1— 225,7 568,8— 585 857— 752,1— 661,3— 483,31— 107,6— 195,11— 811— 919— 088,53— 498,73—
8991 680,2— 854,1— 976,5 731,7— 803 941,1— 772 303,1— 667 388,6— 959,7— 737— 794— 216,61— 584,71—
9991 312,1— 631,1— 675,4 217,5— 112— 743,1— 883,3— 729,1— 130,1 055,5— 150,5— 503— 006— 104,21— 631,71—
0002 768— 237,1— 608,5 735,7— 831 495,1— 084,3— 332,3— 733— 081,4— 392,5— 435— 8571— 333,51— 704,02—
8991,1Q 334— 464,1— 312,2 776,3— 541 913,1— 886 423— 428 98— 367,2— 046— 53— 620,3— 856,3—
8991,2Q 627— 651— 905,2 566,2— 38 37— 801,1— 223— 930,1 871,1— 619,1— 852 24— 161,2— 243,3—
8991,3Q 064— 802 306 593— 75 562 690,1 113— 717,1— 212,1— 256,1— 331 101— 958,4— 894,3—
8991,4Q 864— 64— 453 004— 42 22— 993— 743— 916 404,4— 826,1— 984— 913— 665,6— 789,6—
9991,1Q 052— 709,1— 651,2 360,4— 51 298,1— 713,1— 633— 742 019,1— 069— 581— 612— 953,3— 865,6—
9991,2Q 482— 329 531,2 212,1— 205— 024 153,1— 975— 479 836 405,1— 851 121— 334— 463,1—
9991,3Q 943— 82 952 032— 252 182 007— 805— 433— 395,2— 243,1— 221 731— 297,4— 112,5—
9991,4Q 033— 181— 62 702— 52— 651— 02— 405— 341 586,1— 542,1— 104— 521— 718,3— 399,3—
0002,1Q 981— 468,1— 158,1 517,3— 491 076,1— 155,1— 145— 211— 637— 895,1— 695— 382— 568,3— 780,7—
0002,2Q 122— 672 449 866— 72— 942 955— 673— 364 481— 662,1— 672— 424— 260,2— 373,2—
0002,3Q 942— 47— 859 330,1— 8— 28— 910,1— 721,1— 413 748— 315,1— 666 771— 486,2— 857,3—
0002,4Q 902— 96— 250,2 121,2— 12— 19— 153— 981,1— 100,1— 314,2— 519— 823— 478— 027,6— 261,7—
14
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
dnE
stessAevreseR,)secnalaBetaidemretnI(tnuoccAlaicnaniFdnalatipaC)noillimDSU(
tnuoccalatipaCecnalab)91+1(
smetitnuoccalaicnanifnosecnalaB tnuoccalaicnaniFecnalab
)stessaevresertpecxe()23+81(
dnalatipaCtnuoccalaicnanif
ecnalab)83+33(
dnasrorreteNsnoissimo
niegnahCstessaevreser
,”—“esaercni()”+“esaerced
lareneG)42+9(tnemnrevog
knablartneC)01(
sknaB)42+11(
srotcesrehtO)13+71(
43 53 63 73 83 93 04 14 24
4991 014,2 721,2 0 999,1— 013,31— 181,31— 177,01— 244 698,1
5991 743— 116,7 0 748,6 632,3— 122,11 478,01 379,7— 683,01—
6991 364— 655,01 0 203,1 690,12— 832,9— 107,9— 298,4— 148,2
7991 797— 131,12 0 446,7 152,32— 425,5 727,4 158,4— 639,1—
8991 283— 926,31 397,3 689,5— 269,7— 474,3 290,3 480,9— 503,5
9991 823— 274— 719— 762,4— 969,9— 526,51— 359,51— 619,6— 877,1—
0002 559,01 513,61— 0 269,1— 866,31— 549,13— 099,02— 243,9— 010,61—
8991,1Q 29— 829,3 0 819 798— 059,3 858,3 114,2— 298
8991,2Q 981— 316,4 0 037 943 196,5 205,5 268,2— 867
8991,3Q 51 137,4 397,3 700,4— 441,3— 473,1 983,1 527,3— 695,2
8991,4Q 611— 753 0 726,3— 172,4— 145,7— 756,7— 78— 050,1
9991,1Q 03— 756— 0 713,1— 468,2— 838,4— 768,4— 154— 969
9991,2Q 59— 236— 0 583,1— 705 015,1— 506,1— 888— 116,1—
9991,3Q 521— 170,1 454— 956,1— 352,4— 592,5— 914,5— 012,1— 190,1
9991,4Q 87— 452— 464— 49 063,3— 389,3— 160,4— 663,4— 722,2—
0002,1Q 22 034,1— 0 394,1— 746,3— 075,6— 845,6— 672,2— 201,3—
0002,2Q — 93 211,1— 0 796— 619,1— 527,3— 467,3— 959— 912,6—
0002,3Q 679,01 929,11— 0 164— 583,2— 577,41— 997,3— 867,2— 979,3—
0002,4Q 4— 448,1— 0 886 027,5— 578,6— 978,6— 933,3— 017,2—
15
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
5.1elbaT
noitisoPtnemtsevnIlanoitanretnIs’rotceSgniknaBnoitaredeFnaissuRehT 1
noillimDSU( )
ecnalaB9991.21.13fosa
snoitcasnarTsegnahcdetaler
detalernoitaulaveRsegnahc
segnahcrehtO segnahclatoTecnalaB
0002.21.13fosa
stessA 373,82 984,91 145— 233— 716,81 989,64
daorbastnemtsevnitceriD 770,1 043 25— 4 192 863,1
sgninraedetsevnierdnalatipacytiuqE 276 2— 74— 2 74— 626
latipacrehtO 404 243 6— 2 833 247
stnemtsevnioiloftroP 168 241— 43— —2 871— 386
seitirucesytiuqE 6 9 0 0 8 51
seitirucestbeD 558 151— 33— —2 681— 966
gnol - mret 317 353— 7— 0 063— 453
mret-trohs 241 202 72— —2 371 513
stnemtsevnirehtO 237,31 892,3 352— 34— 200,3 337,61
stisopeddnaycnerrucngieroF 298,01 741,3 602— 31— 929,2 918,31
ycnerrucngieroF 577 421— 7— —4 431— 046
stisopedmretdnadnameD 711,01 172,3 002— 9— 360,3 971,31
gnol - mret 913 94 0 0 94 863
mret-trohs 897,9 222,3 002— 9— 410,3 118,21
snaoL 971,2 593 82— 01— 753 635,2
gnol - mret 351,1 371 6— —8 061 313,1
mret-trohs 620,1 122 22— 2— 791 322,1
sraerrA 852 881— 0 7— 491— 46
stessarehtO 304 75— 91— 41— — 98 413
gnol - mret 95 5 1— 0 4 36
mret-trohs 443 — 26 71— 41— — 39 152
stessaevreseR 654,21 010,61 302— 192— 715,51 279,72
dlogyratenoM 899,3 0 0 192— 192— 8073
sthgirgniwardlaicepS 1 2 2— 0 0 1
dnuFehtninoitisopevreseR 1 0 0 0 0 1
egnahcxengieroF 554,8 900,61 202— 0 708,51 362,42
stessaevreserottnemtsujdA 842 — 71 2 0 — 51 332
16BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
noilli
mD
SU(
)
ecn
ala
B9
99
1.2
1.1
3f
os
as
noitc
asn
arT
se
gn
ahc
det
aler
det
aler
noit
aul
ave
Rs
eg
na
hcs
eg
na
hcr
eht
Os
eg
na
hclat
oT
ecn
ala
B0
00
2.2
1.1
3f
os
a
seitili
bail
L8
08,
11
71
5,1
91
—1
92
—7
02,
15
10,
31
ais
su
Rni
stn
emt
sev
nit
ceri
D1
37
92
29
3—
17
62
79
9
sg
ninr
ae
dets
evni
erd
nal
atip
acyti
uq
E4
65
40
27
4—
19
42
31
8
lati
pac
re
htO
76
16
28
—0
81
48
1
stn
emt
sev
nioil
oftro
P6
43
03
58
62
—1
15
75
8
seitir
uces
ytiu
qE
04
28
11
11
5
seitir
uces
tb
eD
60
37
25
08
2—
00
55
08
gn
ol-
mret
12
12
93
2—
7—
38
34
05
mret-tr
ohs
58
16
31
10
2—
71
12
03
stn
emt
sev
nir
eht
O2
37,
01
85
76
6—
36
2—
03
41
61,
11
stiso
pe
dd
na
ycn
erru
C7
75,
37
09
74
—3
8—
77
73
53,
4
ycn
erru
C1
35
51
—2
32
—1
31
26
1
stiso
pe
D6
45,
32
57
64
—1
6—
64
61
91,
4
gn
ol-
mret
35
79
24
—0
21
—1
44
—2
13
mret-tr
ohs
39
7,2
18
1,1
64
—9
4—
78
0,1
08
8,3
sn
aoL
00
1,6
78
3—
87
1—
25
—7
16
—3
84,
5
tid
ercF
MI0
69,
20
05
1—
00
51
—0
18,
2
gn
olr
eht
o-
mret
48
7,1
86
9—
21
—6
47
9—
11
8
mret-tr
ohs
55
3,1
18
56
1—
85
—7
05
26
8,1
sra
errA
60
82
41
72
1—
48
—3
27
seitili
bail
re
htO
94
25
91
95
1—
13
53
20
6
gn
ol-
mret
39
56
1—
04
67
51
mret-tr
ohs
75
10
31
06
1—
19
82
64
4
noiti
so
pt
ne
mts
evni
la
noit
anr
etni
te
N5
65,
61
27
9,7
11
25
—1
4—
01
4,7
14
79,
33
1e
wR
BC
no
dec
alp
00
02.
01.
13
no
dn
a0
00
2.6
0.0
3n
o,
00
02.
30.
13
no
ata
D:
etisb
mth.
oo_
pii/p
d/ur.r
bc.w
ww//:
ptth
17
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
.1elbaT 6
)ygolodohteMstnemyaPfoecnalaBehtnodesaB(edarTesidnahcreMnoitaredeFnaissuRehT)noillimDSU(
)BOF(stropxE )BOF(stropmI ecnalabedarT
latoT
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
:hcihwfo
latoT
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
:hcihwfo
latoT
:hcihwfo
-nonhtiwSIC
seirtnuoc
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
SIChtiwseirtnuoc
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
-nonhtiwSIC
seirtnuoc
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
SIChtiwseirtnuoc
ehtfo%-nopserroc
gnidfodoirep
ehtsuoiverp
raey
-nonhtiwSIC
seirtnuoc
SIChtiwseirtnuoc
4991 628,76 х 111,25 х 517,51 х 254,05 х 554,63 х 799,31 х 473,71 656,51 8171
5991 319,28 2.22 049,56 5.62 379,61 0.8 306,26 1.42 852,44 4.12 543,81 1.13 013,02 286,12 2731—
6991 365,09 2.9 799,17 2.9 665,81 4.9 290,86 8.8 372,74 8.6 918,02 5.31 174,22 427,42 3522—
7991 800,98 7.1— 239,96 9.2— 670,91 7.2 389,17 7.5 593,35 0.31 885,81 7.01— 520,71 735,61 884
8991 488,47 9.51— 090,95 5.51— 497,51 2.71— 510,85 4.91— 417,34 1.81— 103,41 1.32— 968,61 673,51 3941
9991 666,57 0.1 635,36 5.7 921,21 2.32— 735,93 9.13— 851,92 3.33— 973,01 4.72— 921,63 973,43 0571
0002 565,501 5.93 887,09 9.24 777,41 8.12 268,44 5.31 434,13 8.7 824,31 4.92 307,06 453,95 0531
0002
1Q 463,42 6.65 464,02 9.16 009,3 5.33 089,9 5.9 240,7 6.0— 939,2 1.54 483,41 224,31 169
2Q 900,52 3.74 806,12 2.94 104,3 8.63 973,01 7.2 483,7 5.2 599,2 1.3 036,41 522,41 604
3Q 827,62 0.14 273,32 1.54 653,3 6.71 721,11 3.71 575,7 0.8 255,3 7.34 106,51 797,51 691—
4Q 464,92 9.12 443,52 8.42 021,4 6.6 573,31 5.32 434,9 1.02 249,3 5.23 980,61 019,51 971
1002
yraunaJ 310,8 1.51 788,6 0.02 621,1 6.7— 270,3 3.6 031,2 3.41 249 1.8— 149,4 757,4 481
18BULLETIN OF BANKING STATISTICS № 3 (94)
7.1elbaT
sevreseRlanoitanretnIssorG)noillimDSU(
lanoitanretnissorGsevreser
:hcihwfo
egnahcxengierofsevreser
:hcihwfodlogngierof
egnahcxeRDS
noitisopevreserFMIehtni
9991
10.13 126,11 870,7 410,7 36 1 345,4
20.82 734,11 482,7 182,7 2 1 351,4
30.13 567,01 976,6 676,6 1 1 680,4
40.03 861,11 470,7 110,7 26 1 490,4
50.13 739,11 430,8 230,8 0 1 309,3
60.03 251,21 981,8 781,8 1 1 469,3
70.13 129,11 728,7 481,7 246 1 490,4
80.13 132,11 428,6 366,6 061 1 704,4
90.03 212,11 436,6 236,6 0 1 975,4
01.13 257,11 180,7 080,7 0 1 176,4
11.03 405,11 995,7 795,7 1 1 609,3
21.13 654,21 754,8 554,8 1 1 899,3
0002
10.13 849,21 219,8 119,8 1 1 530,4
20.92 756,31 606,9 506,9 0 1 150,4
30.13 235,51 654,11 554,11 0 1 670,4
40.03 190,71 014,31 804,31 0 1 286,3
50.13 075,91 878,51 678,51 1 1 296,3
60.03 699,02 586,71 286,71 2 1 213,3
70.13 203,32 559,91 459,91 0 1 743,3
80.13 137,32 982,02 782,02 1 1 244,3
90.03 799,42 474,12 274,12 1 1 325,3
01.13 088,52 092,22 882,22 1 1 095,3
11.03 766,72 530,42 330,42 1 1 236,3
21.13 279,72 462,42 362,42 1 1 807,3
1002
10.13 836,92 888,52 788,52 1 1 947,3
20.82 543,82 195,42 685,42 3 1 457,3
19BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 1
Chart 2
Gross International Reserves of the Russian Federation
0
5
10
15
20
25
30
353
1.1
2.1
99
33
1.0
3.1
99
43
0.0
6.1
99
43
0.0
9.1
99
43
1.1
2.1
99
43
1.0
3.1
99
53
0.0
6.1
99
53
0.0
9.1
99
53
1.1
2.1
99
53
1.0
3.1
99
63
0.0
6.1
99
63
0.0
9.1
99
63
1.1
2.1
99
63
1.0
3.1
99
73
0.0
6.1
99
73
0.0
9.1
99
73
1.1
2.1
99
73
1.0
3.1
99
83
0.0
6.1
99
83
0.0
9.1
99
83
1.1
2.1
99
83
1.0
3.1
99
93
0.0
6.1
99
93
0.0
9.1
99
93
1.1
2.1
99
93
1.0
3.2
00
03
0.0
6.2
00
03
0.0
9.2
00
03
1.1
2.2
00
0
Bill
ion
s o
f U
S D
olla
rs
International Reserves Adequacy Ratio (International Reserves in Months of Import)
1,6
1,9
1,2
2,8
2,1
2,6
3,4
2,9
2,0
2,6
3,6
4,3
4,7
2,72,8
2,3 2,2
2,1
2,9
2,1
2,2
2,11,91,9
1,1
1,2
2,6
0,0
0,5
1,0
1,5
2,0
2,5
3,0
3,5
4,0
4,5
5,0
Q1
19
94
Q2
19
94
Q3
19
94
Q4
19
94
Q1
19
95
Q2
19
95
Q3
19
95
Q4
19
95
Q1
19
96
Q2
19
96
Q3
19
96
Q4
19
96
Q1
19
97
Q2
19
97
Q3
19
97
Q4
19
97
Q1
19
98
Q2
19
98
Q3
19
98
Q4
19
98
Q1
19
99
Q2
19
99
Q3
19
99
Q4
19
99
Q1
20
00
Q2
20
00
Q3
20
00
mo
nth
s o
f im
po
rt
Actual international reserves adequacy ratio. Internationally recognized adequacy ratio.
20BULLETIN OF BANKING STATISTICS № 3 (94)
8.1
elb
aT
seitir
oht
uA
yrat
en
oM
fo
stn
uo
cc
Al
acit
yla
nA
)sel
bur
noilli
m(
ngi
ero
Fst
essa
no
smi
alC
lar
en
eg
tn
em
nrev
og
no
smi
alC
laic
na
nifn
on
cilb
up
sesir
pret
ne
no
smi
alC
laic
na
nifn
on
etavir
ps
esirpr
etn
ed
na
sdl
oh
esu
oh
no
smi
alC
tid
ercs
noit
utitsni
evres
eR
ye
no
m
:hci
hw
fo
ye
no
me
distu
osk
na
b
stiso
pe
de
miT
stiso
pe
dd
na
ngi
erof
niyc
nerr
uc
ngi
ero
Fs
eitilib
ail
lar
en
eG
s’tn
em
nrev
og
stiso
pe
d
:hci
hw
fo
lac
olt
ne
mnr
evo
gstis
op
ed
lati
pa
Cst
nu
occa
sm
etir
eht
O)t
en(
89
91
21.
13
0.5
23,
68
23.
37
3,5
25
5.9
41
1.2
14
7.7
34,
67
2.5
76,
36
26.
24
8,7
81
6.7
28,
16.
05
5,1
04
8.3
68,
14
1.3
68,
29.
21
1,8
11
5.7
66,
16
99
91
30.
13
5.5
35,
10
36.
01
5,5
55
3.7
41
5.1
93
9.2
27,
43
13.
87
1,9
82
8.1
31,
47
17.
63
1,1
1.5
93,
73
42.
45
9,6
34.
54
6,5
5.9
90,
81
19.
34
5,9
01
60.
03
7.4
54,
43
31.
38
7,5
35
1.0
41
4.4
63
8.4
10,
08
11.
44
7,2
63
6.7
83,
61
29.
40
71.
27
0,0
14
5.5
30,
15
1.6
54,
82.
86
0,8
11
4.2
31,
80
1
90.
03
9.7
82,
73
35.
73
1,0
55
5.8
21
1.6
33
6.9
96,
89
10.
33
1,4
63
6.3
08,
21
29.
22
5.1
17,
32
48.
87
6,7
63.
61
3,0
19.
93
0,8
11
6.3
00,
31
1
21.
13
9.9
53,
38
35.
92
0,2
75
8.3
11
9.5
13
5.3
84,
30
25.
24
7,9
34
4.4
45,
66
29.
47
5,1
5.0
02,
42
44.
07
8,5
78.
41
5,0
18.
34
8,1
51
4.0
70,
66
00
02
10.
13
5.5
92,
91
40.
36
1,0
85
7.3
11
0.0
13
2.9
29,
31
27.
48
6,0
34
7.1
58,
23
23.
43
1,1
4.5
33,
83
44.
41
1,9
90.
72
5,4
13.
63
8,1
51
4.6
07,
29
20.
92
4.3
19,
14
49.
26
5,3
75
6.3
11
2.6
03
5.8
15,
41
24.
79
3,9
44
3.6
40,
24
26.
74
1,3
0.0
35,
12
42.
97
5,4
01
4.3
40,
61
4.9
18,
15
10.
14
9,9
9
30.
13
3.8
47,
19
47.
55
9,7
65
5.3
11
8.0
03
6.6
32,
31
24.
05
9,0
94
7.0
35,
15
26.
05
7,3
9.1
57,
01
41.
96
4,1
21
6.9
07,
91
2.0
97,
15
18.
24
6,4
9
40.
03
4.1
89,
53
58.
97
2,9
45
0.2
11
9.2
92
0.8
73,
41
28.
47
7,3
15
0.4
60,
97
26.
33
8,3
3.1
74,
78
32.
16
4,6
41
1.3
07,
52
2.6
77,
15
10.
72
7,6
9
50.
13
7.3
06,
20
67.
09
9,0
45
0.2
11
3.8
82
2.7
02,
41
27.
74
4,8
55
8.1
72,
98
26.
61
7,2
1.1
83,
18
38.
94
4,8
61
4.6
98,
13
4.0
57,
15
13.
65
4,5
9
60.
03
8.2
64,
93
62.
06
8,7
35
6.1
11
6.3
82
1.8
30,
31
25.
39
7,2
06
1.6
67,
12
36.
73
8,2
2.4
02,
17
35.
89
9,9
61
9.0
09,
13
4.4
37,
15
10.
88
1,2
9
70.
13
9.9
65,
69
69.
40
4,3
25
6.1
11
7.3
82
3.6
35,
01
28.
22
7,4
56
3.7
30,
43
34.
85
4,3
9.8
33,
75
37.
42
7,6
81
6.9
79,
23
3.7
07,
15
13.
45
9,6
7
80.
13
5.6
92,
60
79.
22
6,4
15
0.4
01
4.8
72
1.4
36,
01
20.
29
1,8
46
7.6
26,
14
38.
72
1,4
4.2
40,
54
32.
47
8,0
02
7.0
95,
73
9.4
86,
15
17.
41
0,2
8
90.
03
2.9
26,
14
77.
92
2,4
15
9.3
01
5.3
72
2.9
84,
01
21.
57
0,1
76
3.5
39,
05
36.
93.
91
6,7
33
4.4
38,
81
23.
30
8,8
39.
86
6,1
51
0.8
15,
78
01.
13
9.2
12,
07
71.
79
4,6
05
8.3
01
5.1
72
6.3
93,
80
21.
52
5,2
66
7.8
66,
94
38.
65.
98
9,8
23
5.4
28,
95
21.
61
5,2
48.
83
6,1
51
2.4
94,
28
11.
03
4.1
07,
32
89.
16
3,1
05
8.3
01
1.5
72
8.5
92,
80
21.
07
1,4
86
2.1
53,
85
39.
61.
55
5,4
23
1.3
65,
77
27.
46
5,8
43.
80
6,1
51
6.4
38,
59
21.
13
1.5
35,
04
80.
05
3,4
05
6.2
01
3.4
62
4.2
74,
80
29.
94
1,9
37
6.1
62,
91
45.
72.
55
0,1
33
8.0
84,
04
27.
01
5,9
26.
00
1,1
51
5.0
39,
19
10
02
10.
13
6.8
77,
29
87.
57
9,1
05
6.2
01
8.4
42
1.2
04,
51
23.
15
6,3
86
9.6
21,
08
37.
85.
72
1,7
83
4.3
81,
88
20.
74
4,8
34.
25
9,3
61
4.0
85,
78
21BULLETIN OF BANKING STATISTICS № 3 (94)
9.1
elb
aT
sn
oitutit
snI
tid
erC
fo
stn
uo
cc
Al
acit
yla
nA
)sel
bur
noilli
m(
sevr
ese
Rst
essa
ngi
ero
Fn
os
mial
Ct
ne
mnr
evo
glar
en
eg
:hci
hw
fo
stn
em
nrev
ogl
acol
no
smi
alc
no
smi
alC
cilb
up
laic
na
nifn
on
sesir
pret
ne
no
smi
alC
etavir
plaic
na
nifn
on
sdl
oh
esu
oh
dn
as
esirpr
etn
e
no
smi
alC
sn
oitutits
nilaic
na
nifr
eht
o
12
34
56
7
89
91
21.
13
9.2
67,
76
0.3
95,
91
26.
10
4,9
52
6.5
44,
42
8.8
70,
33
6.2
69,
54
37.
07
2,7
99
91
30.
13
3.1
80,
69
1.2
23,
48
23.
54
0,6
23
5.6
05,
42
0.1
95,
03
9.8
10,
68
37.
62
3,0
1
60.
03
7.7
24,
53
11.
63
1,8
03
3.5
34,
09
34.
64
9,2
24.
73
5,6
38.
74
9,5
93
2.8
00,
71
90.
03
8.2
21,
63
15.
22
6,1
23
0.2
03,
30
48.
05
7,0
22.
04
5,3
45.
73
2,6
24
0.3
89,
51
21.
13
3.7
10,
06
13.
15
3,0
73
2.5
76,
73
45.
07
8,9
12.
10
9,6
48.
44
6,1
25
2.0
60,
31
00
02
10.
13
9.0
48,
08
14.
03
6,3
24
2.1
64,
95
47.
55
6,9
13.
48
5,6
41.
67
7,7
35
1.7
12,
71
20.
92
8.7
77,
09
17.
35
2,4
54
2.5
10,
65
46.
25
9,9
14.
00
8,7
48.
71
8,0
55
8.3
63,
51
30.
13
8.0
09,
22
25.
85
2,6
34
2.3
60,
06
45.
08
6,1
21.
73
1,8
48.
46
2,9
65
6.2
79,
71
40.
03
4.9
39,
61
21.
05
4,8
24
2.1
40,
76
47.
23
3,2
23.
69
6,0
51.
71
0,1
95
8.7
40,
71
50.
13
1.2
31,
05
23.
07
8,2
14
4.3
00,
07
42.
61
5,1
25.
91
7,2
55.
92
6,4
16
5.0
58,
91
60.
03
4.3
75,
26
20.
18
5,8
34
1.8
80,
17
40.
31
3,2
28.
24
0,7
51.
68
9,6
36
2.5
15,
91
70.
13
5.6
12,
00
33.
68
5,0
34
8.6
30,
08
44.
20
0,3
29.
90
0,1
69.
37
4,9
46
7.0
79,
81
80.
13
8.5
01,
58
22.
05
1,0
44
4.7
13,
98
45.
38
7,3
26.
55
7,3
65.
84
8,8
86
8.6
95,
81
90.
03
6.8
43,
99
22.
32
5,0
64
8.9
58,
89
47.
58
3,3
24.
16
3,6
60.
83
5,7
37
5.2
00,
81
01.
13
3.4
25,
19
23.
47
4,5
74
5.0
56,
61
51.
92
4,1
20.
41
7,8
69.
23
5,9
67
7.8
37,
81
11.
03
8.8
96,
50
31.
77
7,1
64
2.7
74,
02
57.
87
3,7
15.
57
3,8
67.
90
7,8
18
9.4
45,
22
21.
13
5.4
21,
10
38.
18
5,6
74
7.0
20,
62
53.
13
5,8
16.
27
9,3
72.
23
1,7
68
0.5
25,
41
10
02
10.
13
4.2
26,
48
26.
40
0,9
05
7.4
35,
72
55.
99
9,8
15.
72
9,2
78.
84
7,0
88
1.5
79,
02
22BULLETIN OF BANKING STATISTICS № 3 (94)
Ed
n
)sel
bur
noilli
m(
stiso
pe
dd
na
me
D
gniv
asd
na
emi
Td
na
stiso
pe
dyc
nerr
ucn
gier
ofstis
op
ed
:hci
hw
fo
ycn
erruc
ngi
erof
stiso
pe
d
detcirts
eR
stiso
pe
dt
ekra
my
en
oM
stn
em
urtsni
seitili
bail
ngi
ero
Fl
are
ne
Gt
ne
mnr
evo
gstis
op
ed
:hci
hw
fo
lac
olf
ostis
op
ed
stn
em
nrev
og
seitili
baiL
yrat
en
om
ots
eitiro
htu
a
lati
pa
Cst
nu
occa
sm
etir
eht
O)t
en(
89
01
11
21
31
41
51
61
71
81
89
91
21.
13
7.0
74,
94
13
82
,1.
69
90
91
,7.
27
82
2,
59
5.1
34
,1
13
.93
02
,2
21
.60
2,
67
6.5
01
,8
41
.21
7,
39
8.6
75
1,
49
5.7
7.5
06,
91
—
99
91
30.
13
0.0
98,
36
19.
31
4,9
23
4.9
89,
41
27.
61
5,8
49.
59
2,5
51.
15
7,8
22
3.0
91,
62
8.0
46,
31
6.9
81,
23
17.
85
5,0
61
—0.
12
4,1
1
60.
03
0.2
87,
29
13.
59
2,7
63
3.4
27,
33
27.
93
7,0
47.
92
7,9
67.
27
6,7
22
5.4
16,
03
6.3
27,
81
8.4
40,
09
17.
13
9,2
91
—8.
71
3,8
2
90.
03
1.6
16,
80
24.
99
4,2
93
8.0
73,
34
20.
53
1,1
42.
35
6,8
70.
60
6,0
91
3.3
40,
43
2.0
94,
12
4.3
81,
59
12.
54
2,4
22
—5.
37
1,8
1
21.
13
7.3
76,
94
28.
72
5,6
54
9.2
12,
09
26.
32
2,0
12.
71
8,7
01
6.6
26,
22
28.
17
6,8
28.
62
6,5
14.
12
1,0
02
4.9
91,
39
2—
6.1
19,
81
00
02
10.
13
3.8
92,
26
28.
51
4,1
94
7.8
20,
71
34.
32
3,6
20.
14
4,0
01
3.0
38,
13
26.
27
4,0
45.
03
4,2
22.
56
5,0
12
5.7
75,
31
3—
1.4
14,
11
20.
92
3.9
79,
57
28.
84
9,1
35
0.0
09,
54
36.
50
3,5
22.
44
1,8
97.
73
4,2
22
1.9
10,
74
9.6
48,
22
9.7
02,
11
23.
64
1,2
23
2.0
61,
91
—
30.
13
0.2
84,
28
26.
80
2,0
45
3.2
68,
44
34.
70
6,3
24.
96
9,6
01
3.4
31,
92
26.
17
6,9
49.
74
8,9
23.
83
9,9
02
5.8
06,
02
30,
8—
32
.0
40.
03
9.6
32,
38
28.
79
9,2
45
9.2
20,
14
38.
05
7,7
21.
61
5,8
01
0.2
79,
62
28.
52
9,1
61.
95
1,8
38.
66
8,0
12
4.6
91,
42
35
1—
,27.
07
50.
13
5.2
22,
70
31.
96
3,6
55
7.9
34,
54
30.
86
4,4
34.
82
2,7
01
3.6
99,
02
27.
88
7,5
62.
28
4,3
47.
51
9,0
12
1.8
81,
23
39,
41
—1
7.8
60.
03
1.8
50,
72
33.
03
3,7
75
3.6
94,
65
39.
99
9,3
39.
35
1,2
11
6.2
35,
22
20.
87
8,3
65.
39
8,1
40.
55
7,9
02
5.9
91,
04
31
—,
02
1.6
70.
13
1.4
06,
34
38.
68
8,5
06
8.2
49,
57
37.
37
2,4
31.
03
9,7
11
3.6
62,
51
28.
32
8,1
72.
20
0,8
41.
75
2,7
02
4.6
96,
05
34.
44
4,6
—
80.
13
1.5
90,
06
35.
02
2,5
06
0.3
66,
17
30.
75
6,2
37,
50
4,5
21
9.1
94,
41
22.
09
6,9
71.
31
8,4
54.
55
3,7
02
1.2
81,
76
36.
32
3,6
—
90.
03
6.1
07,
97
38.
76
9,0
46
4.9
05,
40
46.
91
7,8
26.
86
0,3
41
1.5
52,
13
26.
16
5,1
77.
14
3,7
42.
62
2,7
02
4.9
04,
96
33
27,
8.5
01.
13
9.7
43,
38
33.
46
2,5
66
5.1
51,
32
44.
03
7,8
29.
46
7,3
51
1.7
66,
12
21.
64
9,9
76.
69
1,2
56.
29
3,7
02
5.7
54,
89
36
0,2
.3
9
11.
03
2.7
92,
00
44.
49
1,0
86
0.1
33,
82
47.
24
7,5
31.
52
0,7
51
3.1
44,
03
27.
40
6,2
80.
09
3,4
59.
01
4,7
02
2.8
72,
21
41
14,
8—
.5
21.
13
9.0
20,
34
49.
64
6,0
86
5.0
90,
02
43.
37
3,6
0.9
50,
19
17.
02
9,8
42
2.7
45,
45
8.1
46,
63
4.9
34,
50
22.
56
2,7
34
7—
9.5
19,
10
02
10.
13
9.6
33,
31
45.
33
2,0
27
9.8
31,
55
44.
90
6,2
25.
88
6,1
71
9.5
36,
84
26.
11
8,5
63.
82
0,2
42.
86
3,2
12
3.4
34,
75
46
1—
,5
03
.2
23BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 3
Chart 4
Structure of Aggregate Assets of Credit Institutions as of 31.01.2001
10.93%
19.54%
20.25%2.80%
33.81%
0.81%11.86%
ReservesForeign assetsClaims on general governmentClaims on non-financial public enterprisesClaims on non-financial private enterprises and householdsClaims on other financial institutionsOther assets
Structure of Aggregate Liabilities of Credit Institutions as of 31.01.2001
15.87%27.65%
0.87%
6.59%
9.55%2.53% 8.15%
17.56%
11.24%
Demand depositsTime and savings deposits and foreign currency depositsRestricted depositsMoney market instrumentsForeign liabilitiesGeneral government depositsLiabilities to monetary authoritiesCapital accountsOther liabilities
24BULLETIN OF BANKING STATISTICS № 3 (94)
01.
1el
ba
T
yevr
uS
yrat
en
oM
)sel
bur
noilli
m(
stess
an
gier
oft
eN
yrat
en
om
fo
dn
as
eitiro
htu
as
noit
utitsni
tid
erc
citse
mo
Dti
derc
:hci
hw
fo
ye
no
M-is
au
Qy
en
om
detcirts
eR
stiso
pe
d
ye
no
Mt
ekra
mst
ne
murts
ni
lati
pa
Cst
nu
occa
sm
etir
eht
O)t
en(
tid
erct
eN
lar
en
eg
ott
ne
mnr
evo
g
no
smi
alC
laic
na
nifn
on
cilb
up
sesir
pret
ne
no
smi
alC
etavir
plaic
na
nifn
on
dn
as
esirpr
etn
es
dlo
hes
uo
h
no
smi
alC
re
hto
laic
na
nifs
noit
utitsni
89
91
21.
13
—4.
96
7,8
91
,9
01
,8
01
.42
27
,4
32
.63
3,
82
2.4
64
3,
47
3.7
7,
07
2.7
24
3,
8.6
18
58
2,
7.3
28
22
,5
95
.13
4,
11
3.9
57
2,
70
7.6
0.4
80,
04
99
91
30.
13
—7.
88
2,0
88.
68
8,5
42,
14.
11
4,8
18
3.8
37,
03
4.0
14,
68
37.
62
3,0
14.
28
7,4
43
6.0
55,
03
37.
61
5,8
49.
59
2,5
52.
85
6,8
72
3.4
97,
70
1
60.
03
1.6
48,
44.
66
5,4
92,
15.
86
5,4
48
5.7
76,
63
2.2
13,
69
32.
80
0,7
18.
96
0,8
14
2.0
00,
86
37.
93
7,0
47.
92
7,9
68.
99
9,0
13
2.3
78,
19
90.
03
0.3
95,
44
7.2
49,
73
3,1
4.7
17,
15
87.
86
6,3
46.
37
5,6
24
0.3
89,
51
6.6
89,
03
43.
22
5,2
93
0.5
31,
14
2.3
56,
87
0.5
82,
24
36.
35
9,6
9
21.
13
1.4
81,
70
12.
89
1,7
84,
15.
26
1,5
09
9.4
10,
74
6.0
69,
12
52.
06
0,3
18.
17
7,6
25
7.2
01,
85
46.
32
2,0
12.
71
8,7
01
2.3
40,
54
49.
32
4,6
4
00
02
10.
13
2.0
67,
27
16.
83
0,2
05,
12.
73
0,0
09
1.8
96,
64
2.6
80,
83
51.
71
2,7
15.
85
0,8
05
1.0
55,
29
44.
32
3,6
20.
14
4,0
01
8.3
14,
56
49.
11
0,2
8
20.
92
4.9
91,
25
25.
18
3,2
94,
18.
97
9,7
78
9.3
19,
74
0.4
21,
15
58.
36
3,5
11.
67
8,9
25
4.6
90,
53
56.
50
3,5
22.
44
1,8
97.
56
9,3
74
1.3
91,
28
30.
13
5.0
21,
88
21.
76
6,2
94,
12.
87
8,6
58
6.0
52,
84
7.5
65,
96
56.
27
9,7
14.
93
4,6
45
2.9
59,
34
54.
70
6,3
24.
96
9,6
01
7.8
93,
27
46.
31
4,7
8
40.
03
2.8
89,
94
31.
00
1,7
64,
10.
43
9,7
08
3.8
08,
05
0.0
13,
19
58.
74
0,7
17.
77
3,6
75
4.1
38,
64
58.
05
7,7
21.
61
5,8
01
6.2
79,
57
48.
93
6,1
8
50.
13
6.6
90,
31
43.
55
3,4
64,
16.
55
7,6
77
5.1
38,
25
7.7
19,
41
65.
05
8,9
10.
79
1,1
16
7.5
80,
95
50.
86
4,4
34.
82
2,7
01
5.8
39,
38
42.
43
5,1
8
60.
03
0.7
03,
48
42.
11
0,9
84,
18.
17
0,5
77
5.4
51,
75
7.9
62,
73
62.
51
5,9
15.
97
6,2
66
9.7
61,
08
59.
99
9,3
39.
35
1,2
11
9.3
39,
19
49.
28
3,2
9
70.
13
0.1
55,
45
58.
24
7,4
74,
11.
39
8,4
47
5.1
21,
16
5.7
57,
94
67.
07
9,8
17.
78
3,2
96
2.5
43,
90
67.
37
2,4
31.
03
9,7
11
7.3
04,
20
54.
35
9,2
7
80.
13
5.2
19,
68
51.
95
9,4
94,
19.
57
3,3
27
5.9
58,
36
9.6
21,
98
68.
69
5,8
10.
05
9,7
17
4.8
43,
90
60.
75
6,2
37.
50
4,5
21
0.7
68,
81
56.
34
6,7
7
90.
03
0.8
72,
33
68.
27
9,4
45,
15.
39
6,2
27
3.5
64,
66
5.1
18,
73
75.
20
0,8
14.
64
4,7
47
4.7
79,
04
66.
91
7,8
26.
86
0,3
41
3.8
70,
12
53.
06
9,6
9
01.
13
6.0
30,
59
60.
83
7,0
45,
10.
77
3,3
86
8.7
18,
86
5.4
08,
96
77.
83
7,8
19.
16
6,0
57
1.1
72,
56
64.
03
7,8
29.
46
7,3
51
3.6
90,
05
59.
34
2,7
8
11.
03
1.2
84,
03
73.
08
6,1
75,
14.
17
6,1
66
2.9
74,
86
8.4
89,
81
89.
44
5,2
27.
83
1,7
77
3.1
02,
08
67.
24
7,5
31.
52
0,7
51
5.6
88,
36
51.
86
1,8
8
21.
13
0.1
41,
73
74.
93
3,1
96,
16.
24
3,5
37
2.5
70,
47
5.6
93,
76
80.
52
5,4
18.
90
3,9
78
4.4
56,
08
63.
37
3,6
0.9
50,
19
18.
56
3,8
85
1.8
17,
28
10
02
10.
13
7.9
10,
66
71.
41
5,0
56,
12.
51
5,5
76
1.0
30,
37
6.3
99,
08
81.
57
9,0
25.
61
5,0
18
2.2
42,
02
74.
90
6,2
25.
88
6,1
71
7.6
83,
12
65.
09
0,0
7
25BULLETIN OF BANKING STATISTICS № 3 (94)
11.
1el
ba
T
ylp
pu
Sy
en
oM
)n
oitinif
eDl
an
oita
N()
doir
ep
fo
dn
et
as
elb
urn
oillib(
)2
M(yl
pp
usy
en
oM
ylp
pus
ye
no
mni
htw
org
%
lat
oT
:hci
hw
fo
htn
om
su
oiver
pm
orfr
aey
eht
fo
gni
nni
ge
bm
orf)
0M(
noit
alucric
nihs
acs
dn
ufhs
ac-n
on
99
91
21.
13
7.4
07
6.6
62
1.8
34
0.9
—
00
02
10.
13
0.5
96
9.2
32
1.2
64
4.1
—4.
1—
20.
92
6.6
27
0.2
42
6.4
84
6.4
1.3
30.
13
4.1
57
5.1
52
9.9
94
4.3
6.6
40.
03
9.7
87
1.9
72
8.8
05
9.4
8.1
1
50.
13
6.1
38
3.9
82
3.2
45
6.5
0.8
1
60.
03
2.2
98
8.1
23
4.0
75
3.7
6.6
2
70.
13
2.1
39
0.4
33
2.7
95
4.4
2.2
3
80.
13
1.0
69
6.1
43
5.8
16
1.3
2.6
3
90.
03
4.2
99
0.1
53
4.1
46
4.3
8.0
4
01.
13
2.1
00,
17.
94
35.
15
69.
01.
24
11.
03
4.6
30,
13.
85
31.
87
65.
31.
74
21.
13
3.4
41,
13.
91
40.
52
74.
01
—
10
02
10.
13
3.9
70,
11.
08
32.
99
67.
5—
7.5
—
20.
82
7.9
01,
10.
88
37.
12
78.
20.
3—
26BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 5
Money Supply Dynamics
0
200
400
600
800
1,000
1,200
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
.05
.19
99
30
.06
.19
99
31
.07
.19
99
31
.08
.19
99
30
.09
.19
99
31
.10
.19
99
30
.11
.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
.09
.20
00
31
.10
.20
00
30
.11
.20
00
31
.12
.20
00
31
.01
.20
01
28
.02
.20
01
R b
n
Cash (M0) Non-cash funds
27
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
2. MAJOR INDICATORS AND INSTRUMENTS OF THE BANK OF RUSSIA MONETARY POLICY
1.2elbaT
teehSecnalaBaissuRfoknaB)selburnoillim(
0002 1002
30.1 40.1 50.1 60.1 70.1 80.1 90.1 01.1 11.1 21.1 20.1 30.1
slatemsuoicerP.1 568,85 216,95 176,75 010,65 167,55 182,15 531,35 202,45 767,45 878,45 807,45 295,45
dlehycnerrucngierofniseitirucesdnasdnuF.2stnedisernonyb
680,582 663,243 320,593 566,154 954,594 792,355 558,565 177,506 729,226 580,676 828,627 223,717
stisopeddnastiderC.3 525,602 471,502 703,602 131,602 859,402 760,302 061,302 230,302 970,102 350,102 073,802 086,012
:hcihwfo
snoitutitsnitiderctnediserotstiderc— 627,51 137,51 627,51 795,51 795,51 745,51 583,51 382,51 398,21 067,21 995,21 625,21
tbedtnemnrevogngierofgnicivresrof— 507,481 604,381 331,381 889,181 968,081 101,971 186,871 066,871 570,971 142,971 820,181 252,381
seitiruceS.4 271,892 280,892 467,792 874,792 210,892 441,792 685,692 628,792 434,713 171,713 198,813 990,913
:hcihwfo
tnemnrevognaissuRfoseitiruces— 150,942 840,942 340,942 371,942 171,942 761,942 661,942 677,552 108,552 745,552 135,652 246,652
stessarehtO.5 967,27 794,27 915,77 767,87 200,47 604,37 011,86 720,07 400,07 385,96 018,57 232,27
:hcihwfo
stessadexif— 967,63 518,63 456,63 485,63 127,63 308,63 557,63 849,63 303,73 877,73 282,54 690,54
stessalatoT 714,129 137,779 482,430,1 150,090,1 291,821,1 591,871,1 648,681,1 858,032,1 112,662,1 077,813,1 706,483,1 529,373,1
noitalucricnihsaC.1 942,162 073,072 397,892 631,903 820,243 096,753 214,363 825,373 304,473 568,283 632,604 121,414
aissuRfoknaBehthtiwstnuoccanisdnuF.2 634,213 178,653 321,283 423,434 036,044 057,984 094,394 310,425 418,645 004,585 927,506 202,675
:hcihwfo
tnemnrevoglartnecehtfosdnuf— 934,75 747,75 052,27 457,28 787,27 436,08 872,18 453,09 976,811 941,321 560,021 109,811
snoitutitsnitiderctnediserfosdnuf— 145,181 149,212 736,902 047,242 959,252 960,782 002,372 323,382 022,472 222,682 081,462 601,062
taolF.3 178,7 450,21 691,71 869,31 685,21 601,9 386,01 592,31 822,91 497,71 349,21 825,51
seitilibailrehtO.4 240,881 646,681 693,481 378,081 412,181 249,961 675,761 353,861 721,471 301,181 747,591 531,402
:hcihwfo
naolFMI— 218,28 544,28 763,18 349,97 934,08 232,97 162,87 567,77 106,67 446,67 830,97 827,97
latipaC.5 918,151 097,151 677,151 057,151 437,151 707,151 586,151 966,151 936,151 806,151 259,361 939,361
seitilibaillatoT 714,129 137,779 482,430,1 150,090,1 291,821,1 591,871,1 648,681,1 858,032,1 112,662,1 077,813,1 706,483,1 529,373,1
.tnuoccaotninekatdnarbyL&srepooCOAZfosnoitadnemmocerehthtiwsrotceriDfodraoBehtybdevorppasierutcurtsteehsecnalabaissuRfoknaBehT
28BULLETIN OF BANKING STATISTICS № 3 (94)
2.2elbaT
etaRgnicnanifeR
doireP %
.21.2 91 69 — 7991.20.9 84
.20.01 91 79 — 7991.40.72 24
.40.82 91 79 — 7991.60.51 63
.60.61 91 79 — 7991.01.5 42
.01.6 91 79 — 7991.11.01 12
.11.11 91 79 — 8991.20.1 82
.20.2 91 89 — 8991.20.61 24
.20.71 91 89 — 8991.30.1 93
.30.2 91 89 — 8991.30.51 63
.30.61 91 89 — 8991.50.81 03
.50.91 91 89 — 8991.50.62 05
.50.72 91 89 — 8991.60.4 051
.60.5 91 89 — 8991.60.82 06
.60.92 91 89 — 8991.70.32 08
.70.42 91 89 — 9991.60.9 06
.60.01 91 99 — 0002.10.32 55
0002.10.42 — 0002.30.6 54
0002.30.7 — 0002.30.02 83
0002.30.12 — 0002.70.9 33
0002.70.01 — 0002.11.3 82
0002.11.4 — 52
3.2elbaT
deriuqeRaissuRfoknaBnisoitaRegatnecrePdexiF’snoitutitsnItiderCsevreseR
)tnecrep(
etaD
sdnufroFmorfdeworrobseititnelagel
selburni
sdnufroFmorfdeworrobseititnelagel
ngierofniycnerruc
sdnufroFmorfdeworrob
slaudividniselburniseititne
sdnufroFmorfdeworrob
slaudividnilagelngierofniycnerruc
lanosrepnOselburnistisoped
knabrebSnisseldrager()ytirutamfo
8991.20.1 — 8991.80.32 11 8
8991.80.42 — 8991.80.13 01 7
8991.90.1 — 8991.11.03 01 5
8991.21.1 — 9991.30.81 5 5
9991.30.91 — 9991.60.9 7 7 5 7 5
9991.60.01 — 9991.21.13 5.8 5.8 5.5 5.8 5.5
0002.10.1 — 01 01 7 01 7
29BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 6
Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits
0
2
4
6
8
10
12
14
16
Jan
uar
y 1
99
9Fe
bru
ary
19
99
Mar
ch 1
99
9A
pri
l 19
99
May
19
99
Jun
e 1
99
9Ju
ly 1
99
9A
ug
ust
19
99
Sep
tem
ber
19
99
Oct
ob
er 1
99
9N
ove
mb
er 1
99
9D
ecem
ber
19
99
Jan
uar
y 2
00
0Fe
bru
ary
20
00
Mar
ch 2
00
0A
pri
l 20
00
May
20
00
Jun
e 2
00
0Ju
ly 2
00
0A
ug
ust
20
00
Sep
tem
ber
20
00
Oct
ob
er 2
00
0N
ove
mb
er 2
00
0D
ecem
ber
20
00
Jan
uar
y 2
00
1Fe
bru
ary
20
01
%
0
10
20
30
40
50
60
70
80
90
100
%
The share of Bank of Russia overnight deposits in the total volume of deposits (left-hand scale)
The average weighted rate on the Bank of Russia overnight deposits (right-hand scale)
30
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.2elbaT
tekraMyenoMehtnosnoitcasnarTtisopeDaissuRfoknaBehtfosrotacidnIlaudividnI
htnoM)%(detcarttastisopednosetardethgiewegarevA stisopedfoemulovfo%sanoitcarttafosmretnoerutcurtstisopeD
thginrevO txen/moT topS txenenОkeew
eno/topSkeew
keewowTowt/topS
keewhtnom1 htnom3 thginrevO txen/moT topS txen keewenО
eno/topSkeew
keewowTowt/topS
keewhtnom1 htnom3
0002
yraunaJ 33.3 64.4 68.4 77.6 00.8 00.11 00.31 00.71 00.02 69.96 45.4 43.0 98.2 73.0 59.5 90.1 86.41 81.0
yraurbeF 46.1 05.3 — 00.6 00.8 00.11 00.31 00.71 00.02 12.05 52.0 — 40.9 63.1 41.8 40.7 44.32 25.0
hcraM 97.1 33.1 75.2 00.6 78.6 41.9 11.11 03.31 12.81 07.64 59.3 03.1 06.9 63.0 74.6 76.2 98.81 60.01
lirpA 84.1 93.1 00.3 44.5 17.5 94.7 95.7 62.01 08.21 26.84 87.4 11.0 30.01 46.0 83.3 71.4 97.5 84.22
yaM 95.1 99.0 12.2 37.4 30.5 66.6 30.7 23.8 71.11 66.84 67.0 77.0 70.8 55.0 82.8 93.2 74.1 50.92
enuJ 53.1 47.0 00.1 05.4 00.5 05.6 00.7 00.8 28.01 46.74 47.0 12.0 55.9 74.1 15.6 93.0 46.0 58.23
yluJ 31.1 37.1 12.1 20.4 05.4 76.5 84.6 11.7 71.9 48.85 61.1 60.0 64.41 03.0 48.4 68.1 04.1 80.71
tsuguA 48.0 05.1 08.1 00.4 05.4 00.5 05.5 00.7 00.9 52.66 41.0 43.0 63.21 82.1 46.3 97.0 43.4 68.01
rebmetpeS 49.0 14.1 — 00.4 05.4 00.5 05.5 00.7 00.9 10.15 23.1 — 26.71 08.0 98.2 08.0 73.4 91.12
rebotcO 29.0 05.1 08.1 00.4 05.4 00.5 05.5 00.7 00.9 90.26 27.1 90.0 65.61 64.0 55.2 18.2 52.3 74.01
rebmevoN 78.0 27.1 56.1 01.4 05.4 76.5 92.5 50.7 00.01 25.35 18.0 65.0 81.22 54.0 29.21 84.2 30.7 50.0
rebmeceD 81.1 08.1 — 19.4 05.5 84.6 00.7 00.8 00.01 73.46 10.0 — 05.31 21.0 80.81 90.2 53.0 84.1
1002
yraunaJ 22.1 — — 42.5 64.6 26.6 62.7 00.8 00.01 01.74 — — 06.71 87.0 03.6 69.0 43.2 29.42
yraurbeF 11.1 — 00.2 00.6 05.6 00.7 05.7 00.8 00.01 11.74 — 41.0 41.12 52.1 21.8 84.1 09.2 68.71
31BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 7
Chart 8
Interest Rates Dynamics in 1997—2001
0
20
40
60
80
100
120
140
160
Jan
uar
y 1
99
7M
arch
19
97
May
19
97
July
19
97
Sep
tem
ber
19
97
No
vem
ber
19
97
Jan
uar
y 1
99
8M
arch
19
98
May
19
98
July
19
98
Sep
tem
ber
19
98
No
vem
ber
19
98
Jan
uar
y 1
99
9M
arch
19
99
May
19
99
July
19
99
Sep
tem
ber
19
99
No
vem
ber
19
99
Jan
uar
y 2
00
0M
arch
20
00
May
20
00
July
20
00
Sep
tem
ber
20
00
No
vem
ber
20
00
Jan
uar
y 2
00
1
% p
.a.
Bank of Russia deposit rate Interbank rate (overnight)
Yield on GKOs with maturities of up to 90 days Average weighted rate on Bank of Russia lombard credits
Bank of Russia bond yields
Interest Rates Dynamics of Money Market in October, 2000 - February, 2001
0
10
20
30
40
50
60
2.1
0.2
00
0
16
.10
.20
00
30
.10
.20
00
14
.11
.20
00
28
.11
.20
00
13
.12
.20
00
27
.12
.20
00
15
.01
.20
01
29
.01
.20
01
12
.02
.20
01
26
.02
.20
01
% p
.a.
Interbank rate (overnight)
Yield on GKOs with maturities of up to 90 days
Refinancing rate
Bank of Russia deposit rate
32BULLETIN OF BANKING STATISTICS № 3 (94)
5.2
elb
aT
eta
Rel
bu
Rot
rall
oD
SU
lai
ciffO
12
34
56
78
90
11
12
13
14
15
1
00
02
yra
un
aJ0
0.7
2—
——
—0
9.6
23
2.7
2—
——
37.
72
44.
82
58.
82
56.
82
75.
82
yra
urb
eF
55.
82
55.
82
46.
82
77.
82
77.
82
——
67.
82
27.
82
96.
82
66.
82
77.
82
——
77.
82
hcra
M5
6.8
24
6.8
20
6.8
29
5.8
2—
—8
5.8
25
5.8
2—
35.
82
15.
82
——
05.
82
94.
82
lirp
A0
6.8
2—
—8
7.8
26
7.8
22
7.8
28
6.8
26
6.8
2—
—3
6.8
29
5.8
26
5.8
23
5.8
20
5.8
2
ya
M—
——
83.
82
63.
82
63.
82
63.
82
——
—4
3.8
22
3.8
20
3.8
2—
—
en
uJ3
2.8
25
2.8
24
3.8
2—
—4
3.8
22
3.8
20
3.8
27
2.8
25
2.8
2—
——
34.
82
33.
82
yluJ
50.
82
——
30.
82
30.
82
30.
82
10.
82
99.
72
——
79.
72
29.
72
09.
72
78.
72
58.
72
tsu
gu
A2
8.7
25
8.7
23
8.7
20
8.7
27
7.7
2—
—3
7.7
23
7.7
20
7.7
20
7.7
29
6.7
2—
—9
6.7
2
re
bm
etp
eS
57.
72
57.
72
——
57.
72
48.
72
88.
72
48.
72
68.
72
——
48.
72
28.
72
28.
72
87.
72
re
botc
O—
—6
7.7
26
7.7
21
8.7
26
8.7
28
8.7
2—
—8
8.7
24
9.7
26
8.7
21
9.7
20
9.7
2—
re
bm
evo
N2
8.7
26
8.7
24
8.7
21
8.7
21
8.7
2—
——
97.
72
27.
72
87.
72
——
77.
72
07.
72
re
bm
ece
D9
8.7
29
8.7
2—
—1
9.7
25
9.7
23
9.7
23
9.7
25
9.7
25
9.7
2—
——
79.
72
29.
72
10
02
yra
un
aJ—
——
61.
82
84.
82
34.
82
——
—9
3.8
28
3.8
29
3.8
25
3.8
2—
—
yra
urb
eF
04.
82
44.
82
54.
82
——
44.
82
54.
82
74.
82
05.
82
95.
82
——
86.
82
86.
82
76.
82
33BULLETIN OF BANKING STATISTICS № 3 (94)
Ed
n
61
71
81
91
02
12
22
32
42
52
62
72
82
92
03
13
00
02
yra
un
aJ—
—7
5.8
27
5.8
22
5.8
21
5.8
24
4.8
2—
—4
4.8
29
4.8
25
5.8
25
5.8
25
5.8
2—
—
yra
urb
eF
27.
82
17.
82
97.
82
47.
82
——
47.
82
78.
82
38.
82
08.
82
07.
82
——
66.
82
——
hcra
M6
4.8
23
4.8
21
4.8
2—
—9
3.8
28
3.8
26
3.8
24
3.8
23
3.8
2—
—1
3.8
29
2.8
27
2.8
26
4.8
2
lirp
A—
—0
6.8
28
7.8
22
6.8
29
5.8
25
5.8
2—
—3
5.8
23
5.8
26
4.8
23
4.8
20
4.8
2—
—
ya
M8
2.8
27
2.8
27
2.8
23
3.8
21
3.8
2—
—0
3.8
29
2.8
28
2.8
28
2.8
27
2.8
2—
—7
2.8
25
2.8
2
en
uJ9
2.8
26
2.8
2—
—4
2.8
23
2.8
22
2.8
29
1.8
27
1.8
2—
—3
1.8
21
1.8
29
0.8
27
0.8
2—
yluJ
——
38.
72
18.
72
57.
72
66.
72
46.
72
——
46.
72
46.
72
46.
72
07.
72
08.
72
——
tsu
gu
A4
7.7
23
7.7
23
7.7
23
7.7
2—
—1
7.7
21
7.7
21
7.7
20
7.7
20
7.7
2—
—0
7.7
25
7.7
25
7.7
2
re
bm
etp
eS
——
37.
72
37.
72
77.
72
28.
72
28.
72
97.
72
——
58.
72
28.
72
18.
72
57.
72
57.
72
—
re
botc
O—
38.
72
08.
72
78.
72
39.
72
39.
72
——
39.
72
19.
72
78.
72
29.
72
98.
72
——
38.
72
re
bm
evo
N7
6.7
26
7.7
21
8.7
2—
—3
8.7
23
8.7
25
8.7
25
8.7
28
8.7
2—
—6
8.7
26
8.7
25
8.7
2—
re
bm
ece
D7
9.7
2—
—5
9.7
25
9.7
26
9.7
26
9.7
27
9.7
2—
—7
9.7
27
0.8
26
1.8
26
1.8
26
1.8
2—
10
02
yra
un
aJ5
3.8
22
3.8
29
3.8
26
3.8
24
3.8
2—
—7
3.8
29
3.8
29
3.8
20
4.8
26
3.8
2—
—6
3.8
27
3.8
2
yra
urb
eF
86.
82
66.
82
——
66.
82
96.
82
56.
82
16.
82
86.
82
——
67.
82
27.
82
——
—
34BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 9
Official US Dollar to Ruble Exchange Rate Dynamics in August, 1998 —February, 2001
6,4300
8,6707
13,0000
17,0900
23,0600
24,8600
20,4300
25,2900
28,6500
5
10
15
20
25
30
3.0
8.1
99
81
.09
.19
98
30
.09
.19
98
29
.10
.19
98
27
.11
.19
98
29
.12
.19
98
30
.01
.19
99
2.0
3.1
99
93
1.0
3.1
99
92
8.0
4.1
99
91
.06
.19
99
1.0
7.1
99
93
0.0
7.1
99
92
8.0
8.1
99
92
5.0
9.1
99
92
6.1
0.1
99
92
4.1
1.1
99
92
2.1
2.1
99
92
6.0
1.2
00
02
4.0
2.2
00
02
5.0
3.2
00
02
5.0
4.2
00
02
7.0
5.2
00
02
8.0
6.2
00
02
7.0
7.2
00
02
5.0
8.2
00
02
3.0
9.2
00
02
4.1
0.2
00
02
3.1
1.2
00
02
3.1
2.2
00
02
6.0
1.2
00
12
4.0
2.2
00
1
rub
le
Official rate
35BULLETIN OF BANKING STATISTICS № 3 (94)
6.2
elb
aT
eta
Rel
bu
Rot
oru
El
aiciff
O
12
34
56
78
90
11
12
13
14
15
1
00
02
yra
un
aJ0
2.7
2—
——
—2
9.7
21
2.8
2—
——
84.
82
62.
92
58.
92
84.
92
92.
92
yra
urb
eF
89.
72
98.
72
18.
72
00.
82
94.
82
——
02.
82
81.
82
23.
82
54.
82
53.
82
——
54.
82
hcra
M5
7.7
26
7.7
20
9.7
21
6.7
2—
—7
3.7
29
3.7
2—
34.
72
75.
72
——
15.
72
84.
72
lirp
A0
4.7
2—
—3
4.7
20
5.7
26
6.7
27
5.7
21
4.7
2—
—6
3.7
21
5.7
29
3.7
22
3.7
27
1.7
2
ya
M—
——
77.
52
13.
52
72.
52
14.
52
——
—2
7.5
21
6.5
25
5.5
2—
—
en
uJ7
2.6
25
4.6
27
3.6
2—
—5
7.6
23
8.6
22
0.7
21
1.7
28
9.6
2—
——
01.
72
03.
72
yluJ
72.
62
——
27.
62
65.
62
66.
62
17.
62
85.
62
——
36.
62
46.
62
05.
62
22.
62
30.
62
tsu
gu
A7
6.5
23
8.5
29
4.5
28
4.5
22
1.5
2—
—0
2.5
26
1.5
24
9.4
22
0.5
23
1.5
2—
—9
9.4
2
re
bm
etp
eS
18.
42
56.
42
——
00.
52
49.
42
37.
42
91.
42
22.
42
——
02.
42
09.
32
59.
32
48.
32
re
botc
O—
—7
4.4
26
3.4
28
3.4
25
3.4
26
2.4
2—
—4
2.4
24
2.4
22
3.4
20
2.4
27
0.4
2—
re
bm
evo
N5
3.3
20
7.3
25
9.3
22
9.3
24
1.4
2—
——
69.
32
46.
32
01.
42
——
20.
42
38.
32
re
bm
ece
D7
9.3
21
4.4
2—
—1
5.4
28
7.4
26
5.4
27
9.4
20
8.4
21
8.4
2—
——
35.
42
35.
42
10
02
yra
un
aJ—
——
97.
62
35.
62
81.
72
——
—6
8.6
27
7.6
29
6.6
29
0.7
2—
—
yra
urb
eF
13.
62
27.
62
17.
62
——
96.
62
36.
62
34.
62
64.
62
82.
62
——
26.
62
66.
62
63.
62
36BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
61
71
81
91
02
12
22
32
42
52
62
72
82
92
03
13
00
02
yra
un
aJ—
—2
9.8
24
8.8
24
9.8
24
8.8
23
9.8
2—
—1
5.8
22
7.8
20
6.8
26
5.8
23
2.8
2—
—
yra
urb
eF
21.
82
81.
82
93.
82
44.
82
——
53.
82
76.
82
10.
92
78.
82
64.
82
——
44.
72
——
hcra
M2
5.7
27
5.7
28
5.7
2—
—7
5.7
29
5.7
25
2.7
26
2.7
24
5.7
2—
—9
6.7
27
3.7
28
0.7
23
1.7
2
lirp
A—
—9
5.7
28
2.7
27
0.7
20
9.6
20
8.6
2—
—0
8.6
28
7.6
25
1.6
20
2.6
29
8.5
2—
—
ya
M4
9.5
21
7.5
29
4.5
24
3.5
20
3.5
2—
—8
3.5
29
5.5
21
6.5
24
4.5
29
7.5
2—
—1
3.6
29
1.6
2
en
uJ0
1.7
24
9.6
2—
—1
3.7
24
0.7
22
8.6
28
6.6
28
3.6
2—
—4
3.6
28
3.6
27
5.6
28
4.6
2—
yluJ
——
11.
62
10.
62
76.
52
95.
52
77.
52
——
68.
52
38.
52
00.
62
51.
62
29.
52
——
tsu
gu
A4
1.5
20
4.5
26
3.5
28
3.5
2—
—2
1.5
22
0.5
27
7.4
29
9.4
28
8.4
2—
—4
0.5
23
9.4
24
7.4
2
re
bm
etp
eS
——
89.
32
27.
32
76.
32
36.
32
95.
32
09.
32
——
65.
42
23.
42
95.
42
05.
42
24.
42
—
re
botc
O—
87.
32
16.
32
48.
32
44.
32
46.
32
——
74.
32
53.
32
23.
32
70.
32
21.
32
——
24.
32
re
bm
evo
N7
7.3
23
8.3
28
7.3
2—
—5
6.3
21
7.3
20
6.3
21
5.3
27
3.3
2—
—3
4.3
28
7.3
28
8.3
2—
re
bm
ece
D8
9.4
2—
—2
1.5
29
9.4
21
1.5
23
3.5
22
6.5
2—
—4
8.5
26
9.5
20
2.6
25
1.6
24
1.6
2—
10
02
yra
un
aJ2
8.6
22
6.6
26
7.6
22
6.6
22
8.6
2—
—0
5.6
25
7.6
27
5.6
26
1.6
28
1.6
2—
—8
1.6
20
0.6
2
yra
urb
eF
53.
62
00.
62
——
02.
62
34.
62
99.
52
20.
62
69.
52
——
93.
62
22.
62
——
—
37BULLETIN OF BANKING STATISTICS № 3 (94)
7.2
elb
aT
eta
Rel
bu
Rot
kra
Mn
amr
eG
lai
ciffO
12
34
56
78
90
11
12
13
14
15
1
00
02
yra
un
aJ1
9.3
1—
——
—8
2.4
14
1.
34
——
—4
1.
65
69.
41
62.
51
51
.7
08
9.4
1
yra
urb
eF
13.
41
62.
41
22.
41
23.
41
75.
41
——
24.
41
14.
41
84.
41
41
.4
50
5.4
1—
—5
5.4
1
hcra
M9
1.4
19
1.4
16
2.4
12
1.4
1—
—9
9.3
10
0.4
1—
30.
41
41
.9
0—
—6
0.4
15
0.4
1
lirp
A1
0.4
1—
—3
0.4
16
0.4
14
1.4
10
1.4
12
0.4
1—
—9
9.3
17
0.4
11
0.4
17
9.3
19
8.3
1
ya
M—
——
81.
31
49.
21
29.
21
99.
21
——
—5
1.3
19
0.3
17
0.3
1—
—
en
uJ3
4.3
12
5.3
18
4.3
1—
—8
6.3
12
7.3
11
8.3
16
8.3
19
7.3
1—
——
68.
31
69.
31
yluJ
66.
31
——
66.
31
85.
31
36.
31
66.
31
95.
31
——
26.
31
26.
31
55.
31
14.
31
13.
31
tsu
gu
A3
1.3
11
2.3
13
0.3
13
0.3
14
8.2
1—
—9
8.2
17
8.2
15
7.2
19
7.2
15
8.2
1—
—8
7.2
1
re
bm
etp
eS
96.
21
06.
21
——
87.
21
57.
21
46.
21
73.
21
93.
21
——
73.
21
22.
21
52.
21
91.
21
re
botc
O—
—1
5.2
15
4.2
17
4.2
15
4.2
10
4.2
1—
—0
4.2
19
3.2
14
4.2
18
3.2
11
3.2
1—
re
bm
evo
N4
9.1
12
1.2
15
2.2
13
2.2
14
3.2
1—
——
52.
21
90.
21
23.
21
——
82.
21
81.
21
re
bm
ece
D6
2.2
18
4.2
1—
—3
5.2
17
6.2
16
5.2
17
7.2
18
6.2
18
6.2
1—
——
45.
21
45.
21
10
02
yra
un
aJ—
——
07.
31
65.
31
09.
31
——
—3
7.3
19
6.3
14
6.3
15
8.3
1—
—
yra
urb
eF
54.
31
66.
31
66.
31
——
56.
31
26.
31
15.
31
35.
31
44.
31
——
16.
31
36.
31
84.
31
38BULLETIN OF BANKING STATISTICS № 3 (94)
Ed
n
61
71
81
91
02
12
22
32
42
52
62
72
82
92
03
13
00
02
yra
un
aJ—
—9
7.4
15
7.4
10
8.4
14
7.4
19
7.4
1—
—8
5.4
18
6.4
12
6.4
10
6.4
13
4.4
1—
—
yra
urb
eF
83.
41
14.
41
25.
41
45.
41
——
05.
41
66.
41
38.
41
67.
41
55.
41
——
30.
41
——
hcra
M7
0.4
19
0.4
10
1.4
1—
—9
0.4
10
1.4
13
9.3
14
9.3
18
0.4
1—
—6
1.4
19
9.3
15
8.3
17
8.3
1
lirp
A—
—1
1.4
15
9.3
14
8.3
15
7.3
10
7.3
1—
—0
7.3
19
6.3
17
3.3
19
3.3
14
2.3
1—
—
ya
M6
2.3
14
1.3
13
0.3
16
9.2
14
9.2
1—
—8
9.2
18
0.3
10
1.3
11
0.3
19
1.3
1—
—5
4.3
19
3.3
1
en
uJ5
8.3
17
7.3
1—
—6
9.3
12
8.3
11
7.3
14
6.3
19
4.3
1—
—7
4.3
19
4.3
19
5.3
14
5.3
1—
yluJ
——
53.
31
03.
31
21.
31
80.
31
81.
31
——
22.
31
12.
31
92.
31
73.
31
52.
31
——
tsu
gu
A5
8.2
19
9.2
17
9.2
17
9.2
1—
—5
8.2
19
7.2
16
6.2
18
7.2
12
7.2
1—
—0
8.2
15
7.2
15
6.2
1
re
bm
etp
eS
——
62.
21
31.
21
01.
21
80.
21
60.
21
22.
21
——
65.
21
34.
21
75.
21
35.
21
84.
21
—
re
botc
O—
61.
21
70.
21
91.
21
99.
11
90.
21
——
00.
21
49.
11
39.
11
08.
11
28.
11
——
89.
11
re
bm
evo
N5
1.2
19
1.2
16
1.2
1—
—9
0.2
12
1.2
17
0.2
12
0.2
15
9.1
1—
—8
9.1
16
1.2
11
2.2
1—
re
bm
ece
D7
7.2
1—
—4
8.2
18
7.2
14
8.2
15
9.2
10
1.3
1—
—1
2.3
18
2.3
10
4.3
17
3.3
17
3.3
1—
10
02
yra
un
aJ1
7.3
11
6.3
18
6.3
11
6.3
11
7.3
1—
—5
5.3
18
6.3
19
5.3
17
3.3
19
3.3
1—
—9
3.3
19
2.3
1
yra
urb
eF
74.
31
92.
31
——
93.
31
15.
31
92.
31
13.
31
72.
31
——
94.
31
04.
31
——
—
39BULLETIN OF BANKING STATISTICS № 3 (94)
8.2elbaT
setouQslateMsuoicerPaissuRfoknaB)margrepselbur(
setouqfoetaDdloG revliS munitalP muidallaP
yub lles yub lles yub lles yub lles
1002.20.1 16.032 52.542 99.3 04.4 78.484 47.355 41.768 76.759
1002.20.2 76.132 83.642 99.3 14.4 75.084 48.845 73.288 94.479
1002.20.5 01.032 17.442 59.3 63.4 78.284 54.155 03.688 38.879
1002.20.6 36.822 51.342 39.3 43.4 23.984 28.855 46.998 65.399
1002.20.7 44.722 88.142 88.3 92.4 12.884 65.755 70.398 13.689
1002.20.8 70.822 55.242 68.3 62.4 18.584 28.455 71.288 72.479
1002.20.9 13.622 86.042 38.3 32.4 89.284 85.155 86.168 46.159
1002.20.21 53.722 87.142 38.3 42.4 36.384 23.255 35.628 28.219
1002.20.31 88.722 43.242 28.3 22.4 38.284 24.155 92.218 90.798
1002.20.41 92.722 27.142 38.3 32.4 96.284 62.155 08.328 08.909
1002.20.51 80.622 44.042 28.3 22.4 27.284 92.155 97.318 57.898
1002.20.61 35.322 27.732 97.3 81.4 19.484 87.355 57.128 45.709
1002.20.91 94.522 08.932 77.3 71.4 51.884 94.755 27.618 89.109
1002.20.02 61.522 54.932 77.3 71.4 74.984 00.955 20.018 85.498
1002.20.12 79.322 91.832 77.3 61.4 30.294 29.165 66.997 41.388
1002.20.22 32.422 64.832 07.3 90.4 04.684 94.555 77.567 17.548
1002.20.32 05.622 88.042 17.3 01.4 34.684 25.555 79.927 81.608
1002.20.62 76.922 52.442 47.3 71.4 63.294 03.265 19.607 17.087
1002.20.72 69.332 28.842 37.3 21.4 82.394 43.365 64.317 49.787
1002.20.82 44.032 80.542 47.3 31.4 04.694 19.665 06.707 74.187
40
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3. FINANCIAL MARKETS
3.1. Interbank Credit Market
1.1.3elbaT
,)DIBIM(setaRdiBknabretnIwocsoMegarevAylhtnoM)ROBIM(setaRdereffOknabretnIwocsoMegarevAylhtnoM
)RCAIM(setaRtiderClautcAknabretnIwocsoMegarevAdethgieWylhtnoMdna)stidercelburrof.a.p%(
)DIBIM(setaRdiBknabretnIwocsoM setaRdereffOknabretnIwocsoM )ROBIM( setaRtiderClautcAknabretnIwocsoM )RCAIM(
tidercfomreT
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
0002
yraunaJ 77.7 06.6 87.11 30.81 — — 44.41 75.71 22.42 36.23 — — 48.11 05.31 00.82 — — —
yraurbeF 48.7 76.7 26.21 92.91 — — 53.41 47.71 42.42 67.23 — — 72.11 19.9 00.61 — — —
hcraM 91.6 59.6 23.11 37.61 — — 61.11 90.41 16.91 46.62 — — 05.6 47.9 — — — —
lirpA 39.6 47.6 27.01 87.41 — — 57.11 66.21 09.71 03.32 — — 21.11 53.1 — — — —
yaM 94.6 33.7 21.01 23.41 — — 91.11 68.31 49.61 38.22 — — 46.7 38.8 — — — —
enuJ 01.5 42.4 01.7 10.11 — — 57.8 71.9 31.31 71.91 — — 60.5 00.8 — — — —
yluJ 93.3 24.3 04.5 60.9 — — 38.5 09.6 98.01 98.61 — — 73.3 57.6 05.7 — — —
tsuguA 04.2 21.4 86.5 47.9 88.31 98.71 40.5 60.7 02.01 40.51 81.81 36.32 75.4 45.8 57.7 03.01 85.91 00.62
rebmetpeS 09.1 58.3 24.5 11.9 38.21 39.61 31.4 07.6 77.9 81.41 48.61 07.12 72.3 87.5 95.7 92.21 33.42 00.13
rebotcO 09.2 33.4 39.5 89.8 28.11 34.51 54.5 82.7 62.01 70.41 79.51 10.02 32.5 29.5 50.9 38.7 62.52 00.62
rebmevoN 47.4 79.5 38.7 75.01 15.21 78.51 65.8 14.9 28.21 96.51 78.61 45.02 84.8 05.6 09.9 26.8 28.52 00.71
rebmeceD 77.4 85.6 67.8 28.11 40.31 32.61 23.8 54.01 22.41 31.71 84.71 90.12 92.7 75.7 84.21 13.8 67.32 45.51
1002
yraunaJ 45.3 82.5 27.7 03.11 86.21 83.61 04.6 65.8 99.21 18.61 84.71 75.12 83.5 73.5 83.01 19.9 64.3 84.32
yraurbeF 54.5 52.6 73.8 17.11 10.31 86.61 85.9 59.9 02.31 21.71 77.71 33.12 31.21 53.8 56.41 62.51 56.52 02.22
41
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
2.1.3elbaT
,)DIBIM(setaRdiBknabretnIwocsoM)ROBIM(setaRdereffOknabretnIwocsoM
)RCAIM(etaRtiderClautcAknabretnIwocsoMdna)stidercelburrof.a.p%(
etaD
)DIBIM(setaRdiBknabretnIwocsoM setaRdereffOknabretnIwocsoM )ROBIM( setaRtiderClautcAknabretnIwocsoM )RCAIM(
tidercfomreT
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
1002.20.1 6. 41 6. 59 8. 78 11 . 23 31 . 91 61 . 38 01 . 46 01 . 54 31 . 16 61 . 17 40.81 76.12 21.5 71.8 73.21 00.71 — 68.02
1002.20.2 2. 26 5. 61 7. 68 01 . 69 21 . 57 61 . 64 5. 20 8. 70 21 . 22 61 . 12 71 . 12 02 . 76 2. 24 5. 50 8. 76 00.52 — 13.02
1002.20.5 1. 29 5. 12 8. 32 11 . 96 21 . 57 61 . 64 4. 34 8. 91 31 . 85 71 . 16 71 . 12 02 . 76 2. 77 7. 50 61 . 31 — 00.82 —
1002.20.6 1. 48 4. 97 7. 85 11 . 32 21 . 57 61 . 64 4. 41 7. 78 21 . 85 61 . 16 71 . 12 02 . 76 2. 99 8. 51 51 . 08 — — 00.02
1002.20.7 2. 30 4. 36 7. 33 01 . 98 21 . 85 61 . 02 4. 72 7. 95 21 . 52 61 . 02 71.71 76.02 87.3 28.7 58.7 — — 00.22
1002.20.8 2. 51 4. 97 7. 91 11 . 32 21 . 57 61 . 64 4. 95 7. 19 21 . 21 61 . 16 12.71 76.02 96.3 51.7 — — — —
1002.20.9 1. 59 4. 84 7. 33 01 . 69 21 . 46 61 . 64 4. 30 7. 64 11 . 38 61 . 12 71 . 12 02 . 76 2. 17 3. 63 6. 81 00.51 — 00.71
1002.20.21 1. 59 4. 34 7. 33 01 . 69 21 . 57 61 . 64 4. 03 7. 94 21 . 10 61 . 12 71 . 12 02 . 76 3. 68 89.6 6. 55 00.32 — —
1002.20.31 2. 52 4. 46 7. 12 11 . 00 21 . 46 61 . 64 4. 07 7. 86 11 . 79 61 . 12 71 . 12 02 . 76 4. 14 8. 73 8. 16 — — —
1002.20.41 2. 74 4. 39 7. 03 11 . 00 21 . 46 61 . 64 4. 38 7. 27 11 . 44 61 . 12 71 . 12 02 . 76 6. 60 7. 77 31 . 90 51 . 00 — 23.02
1002.20.51 3. 85 5. 62 7. 26 11 . 23 21 . 35 61 . 64 6. 25 8. 54 21 . 10 61 . 16 71 . 12 02 . 76 7. 88 8. 44 41 . 39 00.41 — —
1002.20.61 3. 18 5. 10 7. 84 11 . 50 21 . 35 61 . 64 6. 38 8. 64 11 . 78 61 . 12 71 . 12 02 . 76 5. 26 5. 61 6. 08 — — —
1002.20.91 3. 03 5. 61 7. 88 11 . 50 21 . 35 61 . 64 6. 30 8. 51 11 . 95 61 . 12 71 . 12 02 . 76 6. 54 8. 41 91 . 49 10.21 — —
1002.20.02 3. 09 5. 11 7. 33 11 . 50 21 . 35 61 . 64 6. 08 8. 64 21 . 51 61 . 12 12.71 76.02 97.9 71.01 66.01 — 57.02 36.42
1002.20.12 5. 43 5. 66 8. 50 11 . 14 21 . 46 61 . 64 8. 49 9. 71 21 . 92 61 . 18 71 . 12 02 . 76 32 . 42 41 . 32 01 . 62 00.41 — 00.22
1002.20.22 31 . 79 11 . 31 21 . 55 41 . 87 51 . 57 91 . 33 22 . 91 61 . 53 81 . 43 02 . 16 17.12 00.52 36.92 02.8 20.51 00.41 — —
1002.20.32 9. 86 9. 30 01 . 10 21 . 78 31 . 35 61 . 38 61 . 66 41 . 06 51 . 47 81 . 14 17.81 76.22 82.6 73.7 28.31 — — 01.12
1002.20.62 4. 76 6. 83 8. 78 21 . 87 31 . 24 61 . 38 8. 70 9. 69 41 . 85 81 . 13 17.81 76.22 96.21 93.21 96.11 08.41 — —
1002.20.72 9. 56 8. 86 9. 38 21 . 87 31 . 35 61 . 38 51 . 17 31 . 57 51 . 22 81 . 15 17.81 76.22 24.64 50.21 00.02 68.41 — 00.32
1002.20.82 52 . 08 31 . 15 11 . 15 31 . 69 31 . 57 61 . 38 24 . 48 12 . 41 61 . 26 91 . 17 17.81 76.22 83.45 87.61 51.94 13.41 — 00.22
42
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.2. Exchange Market
.2.3elbaT 1
egnahcxEycnerruCknabretnItaedarTralloDSU
etarelbur/ralloddethgiewegarevA
STUXECIM
XECEPS XEBIS XERU XEPSA XESOR XECINyadoT 1 worromoT 2 topS 3 txen/topS 4
9991
rebmeceD 2708.62 — 9238.62 2528.62 1728.62 9548.62 2408.62 0077.62 1518.62 — —
0002
yraunaJ 5 9293.82 — 0184.82 4975.82 8495.82 1415.82 7544.82 — 1173.82 — 0045.82
yraurbeF 7337.82 — 5067.82 7667.82 3518.82 5657.82 3137.82 0067.82 8167.82 — 7717.82
hcraM 6554.82 — 2194.82 8755.82 0544.82 1474.82 5464.82 0233.82 3054.82 — 0046.82
lirpA 8185.82 — 1136.82 7876.82 0005.82 0775.82 9906.82 — 0645.82 — —
yaM 2103.82 — 6613.82 7442.82 0004.82 8713.82 1013.82 — 6613.82 — —
enuJ 1622.82 — 3062.82 0023.82 0590.82 1152.82 4662.82 — 6552.82 9452.82 —
yluJ 2808.72 — 5108.72 0998.72 — 3628.72 6309.72 — 3938.72 2058.72 —
tsuguA 2137.72 — 6957.72 1387.72 — 4557.72 2757.72 0096.72 9057.72 — —
rebmetpeS 1608.72 — 2528.72 7387.72 — 1918.72 5428.72 — 4918.72 4838.72 —
rebotcO 6078.72 2848.72 4488.72 0449.72 5229.72 6898.72 6978.72 — 2788.72 2809.72 —
rebmevoN 0018.72 4148.72 9148.72 5188.72 0055.72 6648.72 0218.72 — 6448.72 0178.72 —
rebmeceD 3799.72 3460.82 5960.82 7199.72 — 4460.82 0389.72 — 1859.72 — 0059.72
1002
yraunaJ 2883.82 7393.82 1314.82 2133.82 — 7114.82 8183.82 — 3234.82 — —
yraurbeF 0906.82 6126.82 7466.82 9396.82 — 8536.82 1875.82 — 1506.82 — —
43BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
,e
mul
ovg
nid
arT
noilli
mD
SU
ST
UX
ECI
MX
EC
EP
SX
EBI
SX
ER
UX
EP
SA
XE
SO
RX
ECI
N
99
91
re
bm
ece
D3.
35
9,3
5.1
80,
63.
51
4.8
1.0
9.3
——
00
02
yra
un
aJ5
6.6
33,
31.
63
6,2
1.9
3.1
—2.
2—
0.0
yra
urb
eF
1.4
02,
36.
38
8,3
4.9
2.3
0.1
5.1
—0.
0
hcra
M5.
08
5,3
7.9
18,
33.
98.
44.
02.
4—
0.0
lirp
A7.
05
7,2
7.5
18,
43.
86.
3—
7.1
——
ya
M2.
66
0,3
8.3
17,
32.
67.
4—
5.2
——
en
uJ0.
43
2,3
7.0
06,
32.
80.
3—
4.4
3.0
—
yluJ
3.8
13,
32.
31
4,3
3.6
6.1
—2.
10
.3—
tsu
gu
A6.
78
1,4
5.4
32,
32.
59.
30.
00.
1—
—
re
bm
etp
eS
5.7
87,
26.
23
5,2
0.5
9.1
—8.
11.
0—
re
botc
O1.
62
8,2
2.0
00,
41.
41.
2—
8.1
4.0
—
re
bm
evo
N6.
06
9,2
8.4
77,
59.
61
6.2
—8.
01.
0—
re
bm
ece
D7.
27
0,3
7.8
22,
59.
71
4.2
—4.
0—
1.0
10
02
yra
un
aJ3.
55
7,2
6.9
19,
59.
41
0.2
—5.
0—
—
yra
urb
eF
5.4
72,
29.
02
4,5
5.1
15.
2—
8.0
——
1.ya
dn
oitcasnart
eht
naht
retal
to
ne
mitt
ne
meltt
eS
2.ya
dn
oitcasnart
eht
gni
woll
ofya
dss
enis
ub
eht
naht
retal
to
ne
mitt
ne
meltt
eS
3.ya
dn
oitcasnart
eht
retfa
yad
sse
nisu
bd
noc
ese
htna
htr
etalt
on
emit
tn
em
eltte
S4
.yad
noitcas
narte
htr
etfaya
dss
enis
ub
driht
eht
naht
retal
to
ne
mitt
ne
meltt
eS
5.s
nosa
erlacin
hcet
ote
ud
ylet
erap
esd
etcu
dn
ocsa
wX
EC
EP
Sn
oS
TU
a0
00
2.1
0.6
2
:el
baT
siht
nid
esu
sn
oitaiver
bb
AS
TU
—n
oisse
Se
darT
mrofi
nU
eg
nahcx
Eyc
nerr
uC
kna
bret
nIw
ocso
M—
XE
CIM
eg
nahcx
Eyc
nerr
uC
gru
bsret
eP
.tS
—X
EC
EP
Se
gna
hcxE
ycn
erru
Ck
nabr
etnI
naire
biS
—X
EBI
Se
gna
hcxE
ycn
erru
Clan
oig
eRlar
U—
XE
RU
eg
nahcx
Eyc
nerr
uC
kna
bret
nIcifica
P-aisA
—X
EP
SA
eg
nahcx
Ekc
otS
dna
ycn
erru
Cv
otso
R—
XE
SO
Re
gna
hcxE
kcot
Sd
nayc
nerr
uC
dor
ogv
oNi
nhzi
N—
XE
CIN
44BULLETIN OF BANKING STATISTICS № 3 (94)
.2.
3el
ba
T2
eg
na
hc
xE
yc
nerr
uC
kn
abr
etnI
ta
ed
arT
oru
E
etar
elb
ur/or
ue
det
hgi
ew
eg
arev
A,
em
ulov
gni
dar
Tn
oillim
oru
e
ST
UX
ECI
MX
EC
EP
SS
TU
XE
CIM
XE
CE
PS
99
91
re
bm
ece
D8
29
1.7
21
99
3.7
20
18
2.7
25.
66
8.1
14.
0
00
02
yra
un
aJ4
73
9.8
21
76
8.8
28
59
0.9
23.
07
7.2
1.0
yra
urb
eF
11
43.
82
65
44.
82
13
21.
82
9.3
75.
69.
0
hcra
M9
19
4.7
22
37
6.7
25
81
4.7
24.
49
4.8
1.0
lirp
A4
57
1.7
29
16
7.6
22
98
1.7
23.
37
6.2
2.0
ya
M1
44
6.5
25
78
6.5
24
68
4.5
26.
79
6.1
5.0
en
uJ0
65
8.6
21
12
9.6
21
16
0.7
26.
78
0.6
2.0
yluJ
85
12.
62
20
20.
62
19
24.
62
3.6
86.
22.
0
tsu
gu
A8
63
1.5
25
95
1.5
22
62
1.5
27.
49
3.4
1.0
re
bm
etp
eS
53
02.
42
26
06.
42
93
72.
42
7.7
94.
33.
0
re
botc
O8
55
8.3
24
30
6.3
21
79
7.3
21.
99
5.2
9.0
re
bm
evo
N7
33
8.3
28
62
7.3
28
00
9.3
25.
79
3.3
6.0
re
bm
ece
D0
68
1.5
21
11
6.6
20
46
3.5
25.
50
12.
53.
1
10
02
yra
un
aJ0
55
6.6
20
91
3.6
27
41
5.6
28.
60
15.
22
6.0
yra
urb
eF
03
63.
62
68
32.
62
64
24.
62
6.2
99.
68.
0
:el
batsi
htni
des
us
noitaiv
erb
bA
—S
TU
Ue
darT
mrofi
nS
noiss
e
eg
na
hcxE
ycn
erru
Ck
na
bret
nIw
ocso
M—
XE
CIM
eg
na
hcxE
ycn
erru
Cgr
ubsr
ete
P.t
S—
XE
CE
PS
45BULLETIN OF BANKING STATISTICS № 3 (94)
.2.3elbaT 3
egnahcxEycnerruCknabretnItaedarTkraMnamreG 1
egnahcxEycnerruCgrubsreteP.tS
etarelbur/MDdethgiewegarevA ,emulovgnidarT noillimMD
9991
rebmeceD 0928.31 5.0
0002
yraunaJ 0620.51 0.0
yraurbeF 0107.41 0.0
hcraM 3482.41 0.0
lirpA 0057.31 0.0
yaM 1082.31 1.0
enuJ 0006.31 0.0
yluJ 0089.21 0.0
tsuguA — —
rebmetpeS — —
rebotcO — —
rebmevoN — —
rebmeceD — —
1002
yraunaJ — —
yraurbeF — —
1 .detcudnoctonerewMDnoedart0002,tsuguAecniS
46
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.2.3elbaT
aissuRssorcAsknaBdezirohtuAhguorhTwolFhsaCngieroF)noillimDSU(
ycnerrucngieroflatoTstpiecer 1
:hcihwfo
stropmi’sknab)tnuoccahsacotderetne(
aissuRot
morfdesahcrupsknabtnediser
morfdesahcrupdetpeccadnaslaudividni
noisrevnocrof
slaudividnimorfdeviecerdnastnediser()stnedisernon
ngierofriehtotgniretnerofstnuoccaycnerruc
rehto 3
1 2 3 4 5 6
8991 3.371,55 6.651,61 5.359,11 6.572,51 0.413,01 6.374,1
9991 9.365,23 1.343,8 7.011,8 1.889,6 0.117,7 1.114,1
0002 5.234,63 8.023,8 6.794,9 0.897,6 2.041,01 9.576,1
9991
rebmeceD 0.383,4 5.924,1 6.192,1 0.526 5.148 4.591
0002
yraunaJ 1.443,2 1.756 8.875 9.824 7.045 6.831
yraurbeF 0.873,2 3.985 2.465 2.464 5.526 8.431
hcraM 3.402,3 4.868 1.829 6.435 8.337 3.931
lirpA 3.295,2 8.905 4.336 0.745 8.087 4.121
yaM 8.381,2 4.382 5.715 6.145 3.047 0.101
enuJ 9.164,2 1.313 6.256 4.565 3.708 4.321
yluJ 0.077,2 6.594 9.196 2.906 2.138 1.241
tsuguA 7.922,3 4.517 1.677 7.866 7.519 0.351
rebmetpeS 5.400,3 9.916 9.586 4.446 7.809 7.541
rebotcO 2.236,3 3.758 8.389 4.236 5.979 2.971
rebmevoN 8.203,3 7.277 2.328 5.006 4.269 2.441
rebmeceD 8.823,5 8.836,1 3.266,1 9.065 4.413,1 3.251
1002
yraunaJ 2.572,4 2.883,1 0.564,1 0.244 6.838 3.141
47BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
)n
oillim
DS
U(
hsac
ngi
erofl
ato
Ts
esn
epx
e2
:hci
hw
fo
sec
nal
ab
hsac
ngi
ero
Fd
ne
ta
doir
ep
gnitr
op
erf
o
stro
pxe
’skn
ab
aissu
Rm
orf)ti
be
dt
nu
occa
”hs
ac“(sk
na
bt
ne
diser
ots
elas
sla
udivi
dni
ots
elas
la
nosr
ep
morf
stn
emy
ap
stn
uocc
ayc
nerr
ucn
gier
ofd
na
stn
edis
er()st
ne
diser
no
n
re
hto
3
78
90
11
12
13
1
89
91
9.8
42,
55
7.6
73
5.8
89,
11
3.5
58,
91
6.6
34,
12
7.1
95,
19.
26
5
99
91
6.4
54,
23
7.9
53
3.2
33,
89.
46
1,9
6.5
30,
31
9.1
65,
13.
36
6
00
02
3.2
54,
63
7.8
55
3.1
18,
92.
14
0,9
1.3
33,
51
0.8
07,
13.
63
6
99
91
re
bm
ece
D2.
45
3,4
8.7
30.
37
3,1
5.1
30,
15.
70
7,1
4.4
02
3.3
66
00
02
yra
un
aJ0.
37
3,2
9.8
22.
73
60.
69
59.
30
0,1
9.6
01
8.3
36
yra
urb
eF
2.5
73,
22
3.5
61
6.6
11
6.7
89
99.
5.5
11
33
6.8
hcra
M7.
46
2,3
1.8
31.
97
99.
19
77.
79
2,1
0.8
51
8.1
75
lirp
A1.
40
5,2
53
.33
66
.39
36
.91
,1
50
.06.
41
16
6.
20
ya
M7.
76
1,2
34
.33
25
.04
85
.97
09
.32.
90
17
76
.3
en
uJ4.
14
5,2
16
.33
76
.10
56
.81
,4
10
3.0.
24
15
95
2.
yluJ
0.6
87,
24
5.6
81
7.7
53
78.
1,
03
17.
0.6
41
75
9.7
tsu
gu
A5.
39
1,3
35
8.0
80.
78
0.7
61
,38.
03
8.0
41
2.2
06
re
bm
etp
eS
4.5
99,
25
4.7
7.
80
03
8.
56
1,
72
.5
48.
03
11
6.
62
re
botc
O4.
34
6,3
5.7
57.
00
0,1
2.9
88
0.4
35,
11.
26
11.
00
6
re
bm
evo
N1.
39
2,3
2.3
50.
60
88.
00
84.
57
4,1
7.7
51
2.1
16
re
bm
ece
D0.
90
3,5
6.4
56.
87
6,1
6.7
30,
18.
31
3,2
4.4
22
3.6
36
10
02
yra
un
aJ2.
35
2,4
2.0
41.
87
4,1
6.2
37
4.9
87,
18.
21
23.
65
6
1.r
evo
nrut
hcn
arbr
etni
otd
etal
erst
piec
erg
nid
ulcxE
2.r
evo
nrut
hcn
arbr
etni
otd
etal
erst
ne
mya
pg
nid
ulcxE
3.s
eititn
ela
gel
fo
tn
uocc
am
orfs
eruti
dn
epx
ed
na
stpi
ecer
gni
dulc
nI
48
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
5.2.3elbaT
seciffOegnahcxE’sknaBdezirohtuAybsnoitcasnarThsaCngieroFgnirutaeFsrotacidnIdetceleS
noitcasnartelgnisegarevA)ycnerrucfostinu(
snoitcasnartfo.oN)stinudnasuoht(
etarylhtnomegarevA)ycnerrucfotinurepselbur(
egarevAnoitcasnart
nigram)selbur(
ngierofcificepsafoerahstnecrePfoemulovlatotnisnoitcasnartycnerruc
egnahcxeybsnoitcasnarthsacngierofseciffo
yub lles yub lles yub lles yub lles
ralloDSU
9991
rebmeceD 0.59 0.713 0.080,3 0.512,2 2784.62 5542.72 67.0 3.49 6.79
0002
yraunaJ 0.97 0.272 8.894,2 5.753,1 8297.72 2767.82 79.0 8.39 6.79
yraurbeF 0.38 0.542 7.067,2 2.655,1 4403.82 9579.82 76.0 9.49 7.79
hcraM 0.78 0.972 7.710,3 4.968,1 1121.82 8347.82 26.0 2.59 8.79
lirpA 0.39 0.662 9.869,2 5.404,1 1471.82 9948.82 86.0 2.59 2.79
yaM 0.39 0.362 4.070,3 0.672,1 2478.72 6635.82 66.0 7.49 9.69
enuJ 0.79 0.682 9.169,2 9.123,1 6087.72 8134.82 56.0 2.49 1.79
yluJ 0.601 0.703 1.610,3 3.774,1 5732.72 7449.72 17.0 3.49 3.79
tsuguA 0.99 0.143 9.251,3 8.505,1 7023.72 6299.72 76.0 2.49 0.79
rebmetpeS 0.69 0.443 4.658,2 0.063,1 3773.72 2220.82 46.0 9.49 2.79
rebotcO 0.79 0.933 5.467,2 3.655,1 4564.72 4601.82 46.0 0.59 7.79
rebmevoN 0.99 0.333 9.006,2 2.283,1 2804.72 5560.82 66.0 2.59 5.79
rebmeceD 0.201 0.893 2.664,2 2.928,1 7185.72 4443.82 67.0 7.49 9.79
1002
yraunaJ 0.09 0.233 4.421,2 0.854,1 8899.72 1788.82 98.0 90.49 86.79
49BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
noitc
asn
artel
gnis
eg
arev
A)yc
nerr
ucf
osti
nu(
sn
oitcas
nart
fo
.o
N)sti
nu
dn
asu
oht(
etar
ylht
no
me
gar
evA
)ycn
erruc
fo
tin
ur
ep
sel
bur(
eg
arev
An
oitcas
nart
nigr
am
)sel
bur(
ngi
erof
cifice
psa
fo
era
hst
necr
eP
fo
em
ulovl
atot
nin
oitcas
nart
ycn
erruc
eg
na
hcxe
yb
sn
oitcas
nart
hsac
ngi
erof
seciff
o
yu
bll
esy
ub
lles
yu
bll
esy
ub
lles
kra
mn
amr
eG
99
91
re
bm
ece
D0.
55
10.
63
49.
46
10.
85
69
62.
31
10
51.
41
88.
01.
48.
1
00
02
yra
un
aJ0.
92
10.
44
34.
24
10.
83
59
97.
31
88
78.
41
80.
13.
48.
1
yra
urb
eF
0.2
31
0.2
73
4.4
31
6.6
32
09
6.3
19
44
6.4
15
9.0
6.3
8.1
hcra
M0.
73
10.
90
40.
93
11.
44
10
83.
31
81
72.
41
98.
03.
37.
1
lirp
A0.
84
10.
49
33.
14
18.
24
77
32.
31
13
90.
41
68.
04.
31.
2
ya
M0.
06
10.
90
42.
75
17.
24
43
15.
21
00
93.
31
88.
07.
34.
2
en
uJ0.
36
10.
52
48.
56
12.
04
98
47.
21
50
38.
31
80.
11.
41.
2
yluJ
0.3
71
0.5
34
5.2
81
7.4
40
33
3.2
14
35
4.3
12
1.1
2.4
0.2
tsu
gu
A0.
16
10.
41
57.
00
24.
35
77
40.
21
03
40.
31
00.
13.
44.
2
re
bm
etp
eS
0.7
51
0.4
65
6.5
51
2.2
43
32
7.1
14
83
6.2
12
9.0
6.3
2.2
re
botc
O0.
36
10.
19
49.
44
14.
54
90
26.
11
58
74.
21
68.
06.
38.
1
re
bm
evo
N0.
27
10.
31
58.
62
13.
93
06
15.
11
88
53.
21
48.
04.
39.
1
re
bm
ece
D0.
08
10.
96
50.
72
18.
34
65
40.
21
56
80.
31
40.
18.
36.
1
10
02
yra
un
aJ0.
16
10.
63
56.
21
19.
43
98
29.
21
68
78.
31
59.
00
1.4
18.
1
50BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 10
Dynamics of Foreign Cash Purchase and Sale Transactions with Individuals by Authorized Banks and Their Branches
0
500
1,000
1,500
2,000
2,500
3,000
Jan
uar
y 1
99
8Fe
bru
ary
19
98
Mar
ch 1
99
8A
pri
l 19
98
May
19
98
Jun
e 1
99
8Ju
ly 1
99
8A
ug
ust
19
98
Sep
tem
ber
19
98
Oct
ob
er 1
99
8N
ove
mb
er 1
99
8D
ecem
ber
19
98
Jan
uar
y 1
99
9Fe
bru
ary
19
99
Mar
ch 1
99
9A
pri
l 19
99
May
19
99
Jun
e 1
99
9Ju
ly 1
99
9A
ug
ust
19
99
Sep
tem
ber
19
99
Oct
ob
er 1
99
9N
ove
mb
er 1
99
9D
ecem
ber
19
99
Jan
uar
y 2
00
0Fe
bru
ary
20
00
Mar
ch 2
00
0A
pri
l 20
00
May
20
00
Jun
e 2
00
0Ju
ly 2
00
0A
ug
ust
20
00
Sep
tem
ber
20
00
Oct
ob
er 2
00
0N
ove
mb
er 2
00
0D
ecem
ber
20
00
Jan
uar
y 2
00
1
$ m
illio
n
Foreign cash purchases from individuals
Foreign cash sales to individuals
51
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
.2.3elbaT 6
sehcnarBriehTdnasknaBdezirohtuAybslaudividnIhtiwsnoitcasnarTelaSdnaesahcruPhsaCngieroFegarevA
fodniKnoitarepo
snoitcasnartfoezisegarevA0002 1002
yraunaJ yraurbeF hcraM lirpA yaM enuJ yluJ tsuguA rebmetpeS rebotcO rebmevoN rebmeceD yraunaJ
052$otpu
esahcrup )stinudnasuoht(snoitcasnartforebmun 9.656,2 3.509,2 9.751,3 5.511,3 3.911,3 1.141,3 7.402,3 8.793,3 7.630,3 7.439,2 3.637,2 1.506,2 5.462,2
)noillim$(snoitcasnartfoeulav 5.191 7.912 3.742 1.562 8.362 9.372 7.403 0.703 0.862 9.262 9.842 6.342 6.981
elas )stinudnasuoht(snoitcasnartforebmun 2.518 0.530,1 5.440,1 3.248 2.568 3.367 4.487 0.337 6.366 8.957 6.786 4.385 6.727
)noillim$(snoitcasnartfoeulav 3.021 7.641 4.941 3.221 3.321 8.211 4.521 7.811 6.701 9.711 0.601 6.88 3.021
005$ot152$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 3.15 4.95 5.96 0.76 2.26 5.96 0.27 5.75 3.74 1.54 9.35 1.05 8.72
)noillim$(snoitcasnartfoeulav 8.41 7.81 4.22 4.02 2.02 6.32 9.32 3.81 8.41 3.41 8.71 2.61 8.8
elas )stinudnasuoht(snoitcasnartforebmun 0.084 1.874 1.517 2.715 5.684 9.574 2.285 4.206 7.505 0.785 1.115 8.548 6.555
)noillim$(snoitcasnartfoeulav 4.061 8.851 3.442 0.171 9.461 0.261 6.502 4.222 9.681 1.712 7.581 5.803 8.402
000,2$ot105$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 9.4 0.3 8.5 7.5 7.6 4.7 5.01 9.5 8.6 7.5 5.4 3.8 2.6
)noillim$(snoitcasnartfoeulav 5.3 3.2 3.4 2.4 1.5 9.5 2.7 2.4 6.4 2.4 4.3 4.6 5.4
elas )stinudnasuoht(snoitcasnartforebmun 4.411 1.49 8.171 1.701 2.511 7.341 0.181 7.742 3.052 0.372 2.142 6.464 0.622
)noillim$(snoitcasnartfoeulav 6.38 0.07 1.321 1.67 9.18 6.001 5.321 2.671 7.471 1.191 5.661 2.623 9.261
000,5$ot100,2$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 3.0 3.0 3.0 3.0 3.0 3.0 0.0 0.0 0.0 0.0 0.0 3.0 2.0
)noillim$(snoitcasnartfoeulav 0.1 8.0 0.1 8.0 5.0 0.1 4.0 4.0 3.0 5.0 2.0 8.0 1.1
elas )stinudnasuoht(snoitcasnartforebmun 1.4 0.4 7.4 0.4 0.4 9.3 5.2 7.2 1.3 9.3 2.4 8.6 0.2
)noillim$(snoitcasnartfoeulav 3.01 4.11 9.11 2.01 1.11 7.11 7.7 0.8 6.8 6.01 6.21 6.81 1.6
000,5$revo
esahcrup )stinudnasuoht(snoitcasnartforebmun 0.0 0.0 0.0 0.0 0.0 0.0 3.0 0.0 3.0 0.0 3.0 0.0 0.0
)noillim$(snoitcasnartfoeulav 6.0 2.1 9.0 0.0 8.0 6.0 0.4 1.1 2.1 5.0 2.1 2.0 4.0
elas )stinudnasuoht(snoitcasnartforebmun 3.0 2.0 2.0 4.0 3.0 3.0 3.0 2.0 3.0 2.0 1.0 4.0 2.0
)noillim$(snoitcasnartfoeulav 0.4 6.3 2.4 3.4 7.2 7.2 4.4 5.4 0.3 8.2 1.1 6.2 2.1
52BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 11
Chart 12
Foreign Cash Sources in January, 2001
32.47%34.27%
10.34%
19.62% 3.31%
Banks' imports to Russia entered to cash account
Purchased from resident banks
Purchased from individuals and accepted for conversion
Received from individuals (residents and nonresidents) for entering to their foreign currency accounts
Other sources
Structure of Foreign Cash Expenditures in January, 2001
34.75%
17.23%42.07%
0.95% 5.00%
Banks' exports from Russia cash accounts debit
Sales to resident banks
Sales to individuals
Payments from personal foreign currency accounts residents and nonresidents
Other
53
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.3. Major Features of Transactions in Government Securities
1.3.3elbaT
tnemecalPZFO—OKGrofsnoitcuAfosthgilhgiHniaM
etaD edocytiruceSotsyaD
noitpmeder
emuloveussIrapta
)selburnoillim(
dnameDraptaemulov)selburnoillim(
decalpemuloVrapta
)selburnoillim(
nruteRnoillim()selbur
ecirpffo-tuCfo%sa(
)ecirplanimon
dethgiewegarevAecirp
)ecirplanimonfo%sa(
egarevatadleiylaiciffOecirpdethgiew
).a.p%(
emulovdecalpnUrapta
)selburnoillim(
.20.7 02 10 6SFMR54112US 471 0.000,3 5.518,5 2, 658 .9 2, 386 .3 39 .9 39 .9 85.31 341 .1
.20.82 02 10 4SFMR64112US 911 0.000,3 2.814,3 2, 642 .2 2, 251 .4 59 .7 59 .8 53.31 357 .8
elbaT 2.3.3
seitiruceStnemnrevoGnostnemyaPnopuoCdnasnoitpmedeRnoataD
tnemecalpfoetaD etadnoitpmedeR edocrepaP,tnuomanoitpmedeR
selburnoillim,emulovelbatekraM
selburnoillimdoirepnopuocfo.oN
,etarnopuoctnerruC.a.p%
8991.80.91 1002.20.7 5SFMR10072US 474 . 38 9, 694 . 36 9 02
8991.80.91 1002.20.7 2SFMR70072US 474 . 38 9, 694 . 36 8 02
8991.70.22 1002.20.41 9SFMR42052US 481 . 42 1, 748 . 24 5 02
8991.80.91 1002.20.12 3SFMR20072US 474 . 38 9, 694 . 36 9 02
8991.80.91 1002.20.12 0SFMR80072US 474 . 38 9, 694 . 36 8 02
54
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
.3.3elbaT 3
)ZFOdnaOKGottcepseRhtiw(tbeDdednoBfoerutcurtSmreT
etaD
raptaemulovgnidartfo%
OKG ZFO
syad09ot1 syad09nahterom emocnidexif tnemtsevni emocnitnenamrep
0002
10.1 00.0 65.1 21.24 82.21 40.44
20.1 93.0 32.1 94.34 76.21 32.24
30.1 75.1 50.2 14.44 19.21 70.93
40.1 34.2 97.1 32.44 08.21 57.83
50.1 63.3 14.1 06.44 78.21 67.73
60.1 29.1 46.1 26.54 29.21 09.73
70.1 78.2 68.1 50.64 68.21 63.63
80.1 31.2 89.0 50.74 20.31 28.63
90.1 04.4 00.0 65.64 18.21 32.63
01.1 06.3 00.0 21.94 34.31 58.33
11.1 45.2 09.0 08.15 90.41 76.03
21.1 29.0 00.0 62.35 44.41 73.13
1002
10.1 51.1 00.0 66.66 20.81 71.41
20.1 00.0 31.1 01.07 59.81 28.9
30.1 00.0 39.3 11.86 14.81 45.9
55
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.3.3elbaT
tekraMyradnoceSsZFO—sOKGehtfosretemaraProjaM
etaD
%,rotacidnioiloftroptekraM %,rotacidnirevonruttekraM
tnemnrevoGtrohs — sdnobmret
laredeftnemtsevnIsdnobnaol
—tnenamreP emocnisdnobnaollaredef
dexiF emocni—sdnobnaollaredef
tnemnrevoGtrohs — sdnobmret
laredeftnemtsevnIsdnobnaol
—tnenamreP emocnisdnobnaollaredef
dexiF emocni—sdnobnaollaredef
1 2 3 4 5 6 7 8
1002.20.1 00.0 37.71 21.61 93.12 00.0 37.71 19.81 65.12
1002.20.2 00.0 31.71 96.51 80.12 00.0 31.71 34.51 27.02
1002.20.5 00.0 25.71 27.51 00.12 00.0 25.71 50.51 57.02
1002.20.6 00.0 74.71 97.51 12.12 00.0 74.71 88.61 79.02
1002.20.7 85.31 22.71 65.51 38.02 00.0 22.71 00.61 67.02
1002.20.8 99.21 10.71 33.51 07.02 99.21 10.71 69.51 44.02
1002.20.9 91.31 84.71 66.51 91.12 91.31 84.71 88.41 48.02
1002.20.21 03.31 44.71 55.51 79.02 03.31 44.71 76.41 17.02
1002.20.31 83.31 63.71 16.51 18.02 83.31 63.71 42.51 89.02
1002.20.41 64.31 61.71 95.51 07.02 64.31 61.71 28.41 16.02
1002.20.51 23.31 13.71 07.51 47.02 23.31 13.71 99.41 59.02
1002.20.61 47.31 24.71 79.51 38.02 47.31 24.71 00.51 51.02
1002.20.91 96.31 16.71 70.61 39.02 96.31 16.71 99.41 84.02
1002.20.02 05.31 97.71 24.61 98.02 05.31 97.71 79.51 01.12
1002.20.12 99.31 28.81 21.81 05.12 99.31 28.81 72.71 02.12
1002.20.22 73.41 70.91 16.71 49.12 73.41 70.91 25.71 88.12
1002.20.32 82.41 23.81 96.61 29.02 82.41 23.81 28.81 70.12
1002.20.62 37.31 26.81 08.61 11.12 37.31 26.81 84.61 65.02
1002.20.72 60.41 59.81 70.71 84.12 60.41 59.81 15.02 74.12
1002.20.82 31 . 39 91 . 62 71 . 12 12 . 76 92.41 62.91 97.81 65.12
56BULLETIN OF BANKING STATISTICS № 3 (94)
.tn
oC
eta
D
%,
oitar
rev
onr
uT
sel
bur
noilli
m,
eul
avla
nim
oN
tn
em
nrev
oG tr
ohs
—s
dn
ob
mret
lar
ed
eft
ne
mtsev
nIs
dn
ob
na
ol—t
ne
na
mre
Pe
moc
nis
dn
ob
na
ollar
ed
efd
exiF
em
ocni
—s
dn
ob
na
ollar
ed
eft
ne
mnr
evo
G tro
hs—
sd
no
bmr
etl
are
def
tn
emts
evnI
sd
no
bn
aol
—tn
en
amr
eP
em
ocni
sd
no
bn
aoll
are
def
dexi
Fe
moc
ni—
sd
no
bn
aoll
are
def
90
11
12
13
14
15
16
1
10
02.
20.
10
0.0
21.
00
1.0
53.
07.
58
9,1
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
20
0.0
44.
00
7.0
44.
07.
58
9,1
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
50
0.0
11.
06
2.0
62.
07.
58
9,1
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
61
0.0
11.
02
3.0
24.
07.
58
9,1
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
70
0.0
80.
06
5.0
65.
06.
24
8,4
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
87
3.0
81.
03
7.0
74.
06.
24
8,4
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
97
0.0
81.
06
2.0
93.
06.
24
8,4
8.4
81,
33
9.3
02,
71
8.6
67,
22
1
10
02.
20.
21
00.
08
0.0
43.
03
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
31
11.
05
1.0
42.
09
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
41
70.
07
0.0
36.
07
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
51
20.
06
1.0
37.
09
2.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
61
20.
00
1.0
51.
00
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
91
15.
06
0.0
70.
07
1.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
02
16.
02
3.0
26.
07
2.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
12
53.
03
3.0
73.
07
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
22
75.
00
7.0
77.
37
5.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
32
30.
03
2.0
64.
03
3.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
62
20.
05
3.0
41.
08
1.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
72
00.
02
3.0
82.
07
5.0
6.2
48,
48.
48
1,3
39.
30
2,7
18.
66
7,2
21
10
02.
20.
82
40.
08
2.0
77.
09
5.0
8.8
80,
78.
48
1,3
39.
30
2,7
18.
66
7,2
21
57BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
eta
D
sel
bur
noilli
m,
eul
avt
ekra
Msy
ad
,n
oitar
uD
tn
em
nrev
oG tr
ohs
—s
dn
ob
mret
lar
ed
eft
ne
mtsev
nIs
dn
ob
na
ol—t
ne
na
mre
Pe
moc
nis
dn
ob
na
ollar
ed
efd
exiF
em
ocni
—s
dn
ob
na
ollar
ed
eft
ne
mnr
evo
G tro
hs—
sd
no
bmr
etl
are
def
tn
emts
evnI
sd
no
bn
aol
—tn
en
amr
eP
em
ocni
sd
no
bn
aoll
are
def
dexi
Fe
moc
ni—
sd
no
bn
aoll
are
def
71
81
91
02
12
22
32
42
10
02.
20.
11
,9
99
.48.
79
7,8
29.
90
7,7
15.
26
9,5
11
0.1
81
0.7
13
7.1
52
6.8
06
10
02.
20.
21
,9
99
.45.
04
9,8
26.
17
7,7
16.
91
5,6
11
0.0
81
0.6
13
5.1
52
2.8
06
10
02.
20.
51
,9
99
.40.
49
8,8
22.
58
7,7
14.
53
8,6
11
0.7
71
0.3
13
7.8
42
3.5
06
10
02.
20.
62
,4
41
.63.
71
9,8
24.
09
7,7
11.
56
5,6
11
0.6
71
0.2
13
7.7
42
8.3
06
10
02.
20.
74
,7
28
.86.
38
9,8
27.
62
8,7
10.
48
2,6
11
4.4
71
0.1
13
0.8
42
5.8
06
10
02.
20.
84
,5
38
.81.
04
0,9
22.
26
8,7
19.
75
5,6
11
4.3
71
0.0
13
1.7
42
5.7
06
10
02.
20.
94
,5
47
.08.
35
9,8
22.
63
8,7
12.
91
8,5
11
4.2
71
0.9
03
1.6
42
9.5
06
10
02.
20.
21
4,
64
7.4
2.0
00,
92
0.4
68,
71
4.1
53,
61
14.
96
10.
60
35.
34
22.
30
6
10
02.
20.
31
4,
53
8.8
1.0
30,
92
4.2
68,
71
8.7
76,
61
14.
86
10.
50
34.
24
24.
20
6
10
02.
20.
41
4,
53
8.8
2.3
80,
92
7.5
76,
71
4.6
09,
61
14.
76
10.
40
32.
44
25.
10
6
10
02.
20.
51
4,
83
8.4
6.6
60,
92
4.1
76,
71
5.5
19,
61
14.
66
10.
30
32.
34
24.
00
6
10
02.
20.
61
4,
43
8.4
6.6
50,
92
1.8
76,
71
6.9
18,
61
14.
56
10.
20
39.
14
23.
99
5
10
02.
20.
91
4,
73
8.8
6.6
50,
92
1.9
96,
71
4.7
48,
61
14.
26
10.
99
29.
83
20.
69
5
10
02.
20.
02
4,
12
7.8
4.3
30,
92
9.5
36,
71
5.1
79,
61
14.
16
10.
89
22.
53
21.
59
5
10
02.
20.
12
4,
71
7.2
9.0
48,
82
1.3
75,
71
0.1
11,
51
14.
06
10.
79
24.
23
25.
89
5
10
02.
20.
22
4,
41
7.1
4.4
08,
82
2.2
25,
71
8.8
05,
41
14.
95
10.
69
27.
43
26.
69
5
10
02.
20.
32
4,
61
7.1
0.7
69,
82
4.6
26,
71
1.9
41,
61
14.
85
10.
59
28.
43
20.
79
5
10
02.
20.
62
4,
42
7.9
1.7
49,
82
1.1
46,
71
3.4
30,
61
14.
55
10.
29
28.
13
27.
39
5
10
02.
20.
72
4,
22
7.4
4.7
98,
82
6.7
16,
71
2.7
15,
51
14.
45
10.
19
29.
03
23.
29
5
10
02.
20.
82
6,
33
8.7
9.0
58,
82
8.9
06,
71
2.1
92,
51
16.
24
10.
09
20.
03
23.
19
5
58BULLETIN OF BANKING STATISTICS № 3 (94)
5.3.3elbaT
tekraMseitiruceStnemnrevoGnosetaRtseretnIdethgieWegarevA).a.p%(
etaDsmretnoitpmedernoseitirucestnemnrevoG
trohS — ,mret syad09otpu etaidemretnI — ,mret syad463ot19 gnoL — ,mret eromdnasyad563
1002.20.1 75.9 19.61 13.12
1002.20.2 75.9 33.61 00.12
1002.20.5 75.9 56.61 29.02
1002.20.6 75.9 26.61 31.12
1002.20.7 75.9 28.61 38.02
1002.20.8 75.9 45.61 17.02
1002.20.9 75.9 79.61 12.12
1002.20.21 75.9 49.61 89.02
1002.20.31 75.9 68.61 28.02
1002.20.41 03.8 67.61 17.02
1002.20.51 03.8 68.61 57.02
1002.20.61 03.8 59.61 68.02
1002.20.91 03.8 50.71 79.02
1002.20.02 03.8 91.71 59.02
1002.20.12 03.8 01.81 26.12
1002.20.22 03.8 95.81 59.12
1002.20.32 03.8 37.71 59.02
1002.20.62 03.8 89.71 31.12
1002.20.72 03.8 14.81 84.12
1002.20.82 03.8 16.81 56.12
59BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 13
RTS-Interfax Index Dynamics
0
50
100
150
200
250
05
.01
.19
99
04
.02
.19
99
06
.03
.19
99
05
.04
.19
99
05
.05
.19
99
04
.06
.19
99
04
.07
.19
99
03
.08
.19
99
02
.09
.19
99
02
.10
.19
99
01
.11
.19
99
01
.12
.19
99
31
.12
.19
99
30
.01
.20
00
29
.02
.20
00
30
.03
.20
00
29
.04
.20
00
29
.05
.20
00
28
.06
.20
00
28
.07
.20
00
27
.08
.20
00
26
.09
.20
00
26
.10
.20
00
25
.11
.20
00
25
.12
.20
00
24
.01
.20
01
23
.02
.20
01
po
ints
4.3elbaT
srotacidnItekraMseitiruceSetaroproC
etaDrevonrutSTR
)sralloddnasuoht(
stniop,xednixafretnI-STR
eulavycnerrucngierof eulavelbur
1002.20.1 61 , 644 .5 73 . 48 071 . 33
1002.20.2 31 , 190 6. 83 . 80 071 . 48
1002.20.5 71 , 728 4. 10.73 561 . 73
1002.20.6 21 , 481 6. 73 . 08 861 . 48
1002.20.7 51 , 341 4. 73 . 74 661 . 06
1002.20.8 41 , 983 8. 83 . 73 071 . 04
1002.20.9 21 , 095 8. 71.83 861 . 76
1002.20.21 8, 645 5. 83 . 92 961 . 70
1002.20.31 12 , 590 1. 04 . 40 771 . 50
1002.20.41 32 , 205 5. 04 . 80 871 . 16
1002.20.51 53 , 184 5. 14 . 07 681 . 47
1002.20.61 73 , 510 1. 04 . 12 081 . 11
1002.20.91 82 , 007 6. 93 . 35 771 . 03
1002.20.02 33 , 430 2. 93 . 31 671 . 72
1002.20.12 64 , 760 7. 63 . 94 261 . 93
1002.20.22 03 , 351 4. 73 . 99 861 . 38
1002.20.32 71 , 68 0.9 63 . 37 161 . 59
1002.20.62 8, 069 4. 73 . 65 661 . 28
1002.20.72 21 , 370 4. 63 . 77 261 . 68
1002.20.82 61 , 553 1. 73 . 04 461 . 67
60
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.5. International Financial Markets
1.5.3elbaT
dleiYslliByrusaerT).a.p%(
ASU ecnarF ynamreG modgniKdetinU ylatI airagluB ainemrA )gnoKgnoH(anihC ainauhtiL
0002
yraunaJ 43.5 51.3 56.3 27.5 26.3 71.5 71.74 64.5 21.9
yraurbeF 75.5 43.3 56.3 38.5 97.3 91.4 00.52 76.5 34.8
hcraM 27.5 25.3 56.3 68.5 30.4 60.4 69.02 27.5 05.6
lirpA 76.5 07.3 41.4 09.5 51.4 26.3 51.71 13.6 71.5
yaM 29.5 61.4 04.4 59.5 35.4 71.4 14.41 46.6 30.6
enuJ 47.5 03.4 04.4 58.5 08.4 28.3 73.71 12.6 87.6
yluJ 39.5 23.4 27.4 38.5 37.4 36.3 99.81 49.5 79.6
tsuguA 11.6 46.4 27.4 08.5 19.4 33.4 13.32 20.6 07.5
rebmetpeS 99.5 08.4 77.4 08.5 20.5 09.3 42.02 10.6 ...
rebotcO 01.6 29.4 77.4 57.5 99.4 31.4 25.62 97.5 ...
rebmevoN 81.6 00.5 07.4 96.5 40.5 49.4 67.52 56.5 ...
rebmeceD 38.5 88.4 52.4 36.5 27.4 ... 13.62 96.5 ...
1002
yraunaJ 72.5 57.4 02.4 94.5 75.4 ... 59.52 29.4 ...
V,scitsitatSlaicnaniFlanoitanretnIFMI:ecruoS .1002,3—1.oN,VIL.loV,0002,21—1.oN,IIIL.lo
61BULLETIN OF BANKING STATISTICS № 3 (94)
2.5.
3el
ba
T
set
aR
te
kra
My
en
oM
).a.
p%(
AS
Un
ap
aJec
nar
Fy
na
mre
Gm
od
gni
Kd
etin
Uyl
atIais
en
od
nIa
ero
Ker
op
ag
niS
eni
arkU
)g
no
Kg
no
H(a
nih
Cair
agl
uB
ain
au
htiL
00
02
yra
un
aJ5
4.5
20.
0...
30.
34
9.5
43.
38
5.9
77.
48
2.2
14.
24
05.
52
2.1
14.
3
yra
urb
eF
37.
53
0.0
...7
2.3
18.
53
5.3
93.
90
0.5
83.
23
2.6
15
7.5
74.
12
1.3
hcra
M5
8.5
20.
0...
05.
35
7.5
47.
32
4.9
01.
51
3.2
39.
11
18.
52
8.2
11.
2
lirp
A2
0.6
20.
0...
76.
35
7.5
39.
39
4.9
01.
54
4.2
06.
01
31.
62
1.3
86.
2
ya
M7
2.6
20.
0...
29.
31
8.5
63.
48
8.9
31.
54
9.2
14.
75
7.6
71.
34
6.4
en
uJ3
5.6
20.
0...
82.
40
5.5
15.
42
1.1
14
1.5
05.
24
9.0
15
2.5
32.
46
2.4
yluJ
45.
62
0.0
...0
3.4
00.
69
5.4
17.
01
61.
56
5.2
06.
71
44.
50
8.2
30.
5
tsu
gu
A0
5.6
61.
0...
04.
45
7.5
77.
41
3.0
17
1.5
65.
28
5.2
13
1.6
56.
39
5.4
re
bm
etp
eS
25.
65
2.0
...8
5.4
49.
56
8.4
26.
01
61.
56
5.2
39.
23
31.
65
4.3
60.
2
re
botc
O1
5.6
52.
0...
57.
43
6.5
40.
55
8.0
16
3.5
36.
22
9.5
38
8.5
45.
30
3.3
re
bm
evo
N1
5.6
52.
0...
28.
44
9.5
01.
5...
83.
51
8.2
98.
21
05.
57
0.4
22.
3
re
bm
ece
D0
4.6
42.
0...
28.
45
7.4
59.
4...
93.
51
8.2
17.
83
1.7
...1
8.4
10
02
yra
un
aJ8
9.5
52.
0...
57.
40
5.5
77.
4...
......
...9
6.5
...1
6.3
.1
00
2,
3—
1.
oN
,VIL
.lo
V,
00
02
,2
1—
1.
oN
,IIIL.lo
V,scitsit
atSl
aicn
ani
Fla
noit
anr
etnI
FMI
:ecr
uo
S
62BULLETIN OF BANKING STATISTICS № 3 (94)
3.5.
3el
ba
T
set
aR
tis
op
eD
).a.
p%(
AS
Un
ap
aJec
nar
Fy
na
mre
Gm
od
gni
Kd
etin
Uyl
atIais
en
od
nIa
ero
Ker
op
ag
niS
eni
arkU
)g
no
Kg
no
H(a
nih
Cair
agl
uB
ain
au
htiL
00
02
yra
un
aJ5
9.5
60.
05
2.2
46.
2...
65.
15
8.2
11
3.8
86.
11
4.1
24
8.3
81.
33
7.4
yra
urb
eF
10.
65
0.0
52.
28
6.2
...4
5.1
46.
21
63.
82
7.1
47.
61
12.
48
0.3
12.
4
hcra
M4
1.6
40.
05
2.2
58.
2...
85.
10
4.2
18
1.8
27.
11
7.3
16
4.4
21.
33
7.3
lirp
A8
2.6
40.
05
2.2
69.
2...
46.
16
1.2
18
1.8
27.
17
2.2
19
9.4
21.
30
2.4
ya
M1
7.6
40.
05
2.2
32.
3...
96.
11
8.1
11
1.8
27.
16
8.1
11
4.5
01.
32
0.4
en
uJ3
7.6
30.
05
2.2
94.
3...
87.
19
6.1
17
9.7
27.
16
5.1
12
2.5
01.
31
5.3
yluJ
76.
64
0.0
00.
39
5.3
...9
8.1
97.
11
69.
72
7.1
33.
11
29.
49
0.3
53.
4
tsu
gu
A1
6.6
80.
00
0.3
46.
3...
49.
16
3.2
10
9.7
27.
13
1.0
13
8.4
90.
30
7.3
re
bm
etp
eS
06.
62
1.0
00.
39
7.3
...0
0.2
48.
21
37.
72
7.1
39.
71
90.
54
0.3
56.
3
re
botc
O7
6.6
11.
00
0.3
98.
3...
80.
2...
07.
70
7.1
95.
71
78.
41
1.3
83.
3
re
bm
evo
N5
6.6
11.
00
0.3
79.
3...
51.
2...
35.
70
7.1
58.
01
77.
49
0.3
14.
3
re
bm
ece
D5
4.6
31.
00
0.3
50.
4...
02.
2...
33.
70
7.1
42.
90
0.5
...7
3.3
10
02
yra
un
aJ2
6.5
...0
0.3
69.
3...
......
......
...3
5.4
......
.1
00
2,
3—
1.
oN
,VIL
.lo
V,
00
02
,2
1—
1.
oN
,IIIL.l
oV
,scitsitat
Slaic
na
niFl
an
oita
nret
nIF
MI:
ecru
oS
63BULLETIN OF BANKING STATISTICS № 3 (94)
4.5.
3el
ba
T
set
aR
gni
dn
eL
).a.
p%(
AS
Un
ap
aJec
nar
Fy
na
mre
Gm
od
gni
Kd
etin
Uyl
atIais
en
od
nIa
ero
Ker
op
ag
niS
eni
arkU
)g
no
Kg
no
H(a
nih
Cair
agl
uB
ain
au
htiL
00
02
yra
un
aJ0
5.8
90.
20
3.6
79.
85
7.5
75.
58
0.0
29
5.8
08.
59
1.6
50
5.8
28.
11
44.
31
yra
urb
eF
37.
88
0.2
03.
62
0.9
00.
64
6.5
47.
91
46.
85
8.5
44.
94
57.
87
2.1
19
3.3
1
hcra
M3
8.8
50.
20
3.6
41.
90
0.6
17.
53
9.8
19
7.8
58.
59
4.2
40
0.9
41.
95
8.3
1
lirp
A0
0.9
50.
20
3.6
62.
90
0.6
48.
53
8.8
11
6.8
58.
58
8.1
40
0.9
97.
21
08.
21
ya
M4
2.9
50.
20
3.6
43.
90
0.6
30.
62
4.8
12
6.8
58.
52
8.9
30
5.9
99.
21
59.
11
en
uJ0
5.9
40.
20
3.6
95.
90
0.6
32.
64
1.8
19
4.8
58.
56
6.9
30
5.9
58.
11
20.
21
yluJ
05.
93
0.2
01.
71
8.9
00.
66
4.6
10.
81
15.
85
8.5
00.
93
05.
94
4.0
10
1.2
1
tsu
gu
A0
5.9
50.
20
1.7
58.
90
0.6
34.
63
9.7
11
4.8
58.
58
5.5
30
5.9
30.
21
35.
11
re
bm
etp
eS
05.
97
0.2
01.
74
9.9
00.
63
6.6
57.
71
34.
85
8.5
07.
93
05.
95
1.1
16
6.0
1
re
botc
O0
5.9
90.
20
1.7
81.
01
00.
63
8.6
...1
5.8
08.
57
9.8
30
5.9
95.
21
19.
11
re
bm
evo
N0
5.9
90.
20
1.7
91.
01
00.
60
9.6
...3
5.8
08.
53
3.8
30
5.9
76.
01
10.
11
re
bm
ece
D0
5.9
21.
20
1.7
72.
01
00.
68
8.6
...1
4.8
08.
59
2.7
30
5.9
...3
0.1
1
10
02
yra
un
aJ5
0.9
...0
1.7
03.
01
00.
6...
......
......
00.
9...
...
.1
00
2,
3—
1.
oN
,VIL
.lo
V,
00
02
,2
1—
1.
oN
,IIIL.l
oV
,scitsitat
Slaic
na
niFl
an
oita
nret
nIF
MI:
ecru
oS
64
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4. CREDIT INSTITUTIONS PERFORMANCE
4.1. General Description
1.1.4elbaT
snoitutitsnItiderCfoerutcurtSdnarebmuN
0002 1002
20.92 30.13 40.03 50.13 60.03 70.13 80.13 90.03 01.13 11.03 21.13 10.13 20.82
aissuRfoknaBybderetsigersnoitutitsnitiderC.1 553,2 343,2 913,2 513,2 613,2 962,2 432,2 302,2 471,2 441,2 421,2 311,2 411,2
:hcihwfo
sknab— 813,2 503,2 182,2 772,2 872,2 132,2 691,2 661,2 731,2 401,2 480,2 370,2 470,2
snoitutitsnitidercknabnon— 73 83 83 83 83 83 83 73 73 04 04 04 04
snoitutitsnitidercdenwo-ngieroftnecrep001deretsigeR.1.1 22 22 22 22 22 22 22 12 12 22 22 32 32
,aissuRfoknaBybderetsiger,snoitutitsnitiderC.2.1dnalatipacdesirohtuariehtpudiapteytonevahhcihw
)walybtestimil-emitehtnihtiw(ecnecildeviecerteytonevah3 3 4 1 1 0 0 0 0 4 9 5 1
:hcihwfo
sknab— 2 1 3 1 0 0 0 0 0 1 6 5 1
snoitutitsnitidercknabnon— 1 2 1 0 1 0 0 0 0 3 3 0 0
seidobrehtoybderetsigersnoitutitsnitidercknabnoN.2 2 2 2 2 2 2 2 2 2 2 2 2 2
snoitcasnartgniknabtcudnocotdesnecilsnoitutitsnitiderC.3 833,1 333,1 033,1 133,1 133,1 033,1 523,1 223,1 023,1 613,1 113,1 413,1 913,1
:hcihwfo
sknab— 203,1 792,1 392,1 392,1 492,1 292,1 782,1 582,1 382,1 972,1 472,1 472,1 972,1
snoitutitsnitidercknabnon— 63 63 73 83 73 83 83 73 73 73 73 04 04
:)noissimrep(ecnecilhtiwsnoitutitsnitiderC.1.3
stisopedlanosreptcarttaot— 652,1 452,1 152,1 352,1 452,1 352,1 742,1 742,1 542,1 242,1 932,1 832,1 832,1
ycnerrucngierofnisnoitcasnarttcudnocot— 596 607 117 327 527 537 437 447 157 657 467 967 977
ecnecillareneghtiwsnoitutitsnitiderc— 242 242 242 142 442 442 442 442 342 242 442 442 442
65BULLETIN OF BANKING STATISTICS № 3 (94)
.tn
oC
00
02
10
02
20.
92
30.
13
40.
03
50.
13
60.
03
70.
13
80.
13
90.
03
01.
13
11.
03
21.
13
10.
13
20.
82
:slat
em
su
oicer
phti
ws
noitc
asn
arttc
ud
noc
ot—
stimr
ep
—6
15
15
14
14
14
15
12
11
10
10
10
19
sec
necil
—1
14
12
41
34
14
41
54
15
41
54
10
51
15
10
51
35
13
51
85
1
,lati
pac
desir
oht
ua
niek
atsn
gier
ofa
htiw
sn
oitutits
niti
der
C.
2.3
sn
oitcas
nart
gnik
na
btc
ud
noc
otd
esn
ecil2
31
72
15
21
72
17
21
62
16
21
82
16
21
52
10
31
03
12
31
:hci
hw
fo
sn
oitasi
na
gro
de
nw
o-n
gier
oft
necr
ep
00
1—
12
12
12
12
22
22
22
12
12
22
22
32
32
%0
01
ot0
5m
orfpi
hsre
nw
on
gier
ofhti
ws
noit
utitsni
tid
erc—
11
11
11
11
01
01
11
11
21
11
11
01
01
sn
oitutits
niti
derc
gnit
are
po
fol
atip
acd
eziro
htu
ad
eretsi
ge
R.
4)s
elb
urd
eta
nim
on
ed
ern
oillim(
23
1,2
31
47
5,5
31
91
4,6
31
40
8,7
51
05
4,0
61
59
5,1
61
29
4,5
61
18
6,6
61
63
0,6
71
55
5,3
02
20
4,7
02
78
2,4
12
77
6,7
12
aissu
Rni
sn
oitutits
niti
derc
gnit
are
po
fo
se
hcn
arB
.5
57
8,3
44
8,3
93
8,3
35
8,3
63
8,3
46
8,3
64
8,3
96
8,3
55
8,3
50
8,3
39
7,3
56
7,3
43
7,3
:hci
hw
fo
se
hcn
arb
kn
abr
eb
S—
96
6,1
52
6,1
42
6,1
60
6,1
99
5,1
19
5,1
77
5,1
46
5,1
75
5,1
75
5,1
92
5,1
32
5,1
21
5,1
skn
ab
de
nw
o-n
gier
oft
necr
ep
00
1f
os
ehc
nar
b—
44
44
44
45
47
78
8
da
orb
as
noit
utitsni
tid
ercf
os
ehc
nar
B.
63
33
33
33
33
33
33
aissu
Rni
skn
ab
tn
edis
ern
on
fo
se
hcn
arB
.7
11
11
11
11
11
11
1
sn
oitutits
niti
derc
gnit
are
po
fo
seciff
oevit
atn
eser
pe
R.
82
38
13
81
88
10
81
58
18
81
49
13
91
39
18
81
68
18
81
09
1
:hci
hw
fo
aissu
Rni
—0
31
23
16
31
82
12
31
43
10
41
93
10
41
83
15
31
63
17
31
seirt
nu
ocSI
C-n
on
ni—
93
73
83
83
93
04
04
04
93
73
73
83
93
seirt
nu
ocSI
Cni
—4
14
14
14
14
14
14
14
14
14
14
14
14
1
.o
Nevit
alu
muc
—s
ecn
ecild
ekov
erhti
ws
noit
utitsni
tid
erC
.9
61
0,1
90
0,1
78
95
89
68
91
49
11
93
88
65
86
28
60
86
97
69
7
66BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
00
02
10
02
20.
92
30.
13
40.
03
50.
13
60.
03
70.
13
80.
13
90.
03
01.
13
11.
03
21.
13
10.
13
20.
82
.o
Nevit
alu
muc
—n
oita
diu
qilot
detc
ejb
uss
noit
utitsni
tid
erC
.0
17
09
60
99
88
88
89
88
85
81
38
51
87
97
77
77
57
15
78
57
miret
nid
etni
op
pa
tru
ochti
wpi
hsrevi
ecer
nis
noit
utitsni
tid
erC
.1
1.
oN
evital
um
uc—
se
etsurt
48
58
75
07
55
55
73
58
25
81
56
15
80
56
05
29
40
84
86
4
seitit
nel
ag
els
ad
eta
diu
qils
ad
eretsi
ger
sn
oitutits
niti
dercl
ato
T.
21
sn
oitutits
nIti
der
Cf
or
etsig
eR
etat
Sni
52
68
36
46
68
66
86
65
17
05
71
87
01
84
48
96
80
88
08
8
:hci
hw
fo
rof
ecn
ecilf
on
oitac
over
otg
niw
od
eta
diu
qils
noit
utitsni
tid
erc—
aissu
Rf
ok
na
Bd
na
noit
alsig
elg
nikn
ab
fo
noit
aloiv
sn
oital
ug
er8
72
09
25
13
81
38
13
56
30
04
13
40
64
39
46
15
62
56
25
noit
asin
agr
oer
otg
niw
od
eta
diu
qils
noit
utitsni
tid
erc—
34
34
43
54
36
43
64
36
43
64
36
43
64
37
43
94
30
53
05
3
:hci
hw
fo
re
gre
mot
gni
wo
det
adi
uqil
sn
oitutits
niti
derc
—0
00
00
00
00
00
00
rev
oek
atot
gni
wo
det
adi
uqil
sn
oitutits
niti
derc
—3
43
44
35
43
64
36
43
64
36
43
64
36
43
74
39
43
05
30
53
:hci
hw
fo
skn
ab
re
hto
fo
se
hcn
arb
otni
noit
asin
agr
oer
—4
13
51
36
13
71
37
13
71
37
13
71
37
13
71
38
13
81
38
13
)hc
nar
ba
gnit
aerc
tu
ohti
w(sk
na
br
eht
oy
br
evo
nek
at—
92
92
92
92
92
92
92
92
92
03
13
23
23
sisa
byr
atn
ulov
an
osr
entr
ap
yb
det
adi
uqil
sn
oitutits
niti
derc
—4
44
44
44
44
44
44
1.
69
91
,3
re
bm
ece
Df
o7
63
.o
Nr
etteL
aissu
Rf
ok
na
Bhti
wec
na
drocc
ani
69
91
re
bm
ece
Dec
nisd
eussI
2.
aissu
Rf
ok
na
Be
htot
nw
onk
ed
am
sa
wd
aor
ba
gni
ne
po
eso
hw
seciff
oevit
atn
eser
per
esirp
moc
ese
hT
67
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
2.1.4elbaT
latipaCdezirohtuAderetsigeRybdepuorGsnoitutitsnItiderC
nahtsseLselburnoillim3
noillim3morFselburnoillim01ot
noillim01morFselburnoillim03ot
noillim03morFselburnoillim06ot
noillim06morFselburnoillim051ot
noillim051morFselburnoillim003ot
selburnoillim003eromdna
latoT
rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmuN
9991
21.13 032 0.71 032 0.71 313 2.32 352 8.81 39 9.6 34 2.3 25 9.3 943,1
0002
10.13 912 3.61 912 3.61 713 6.32 552 0.91 29 8.6 15 8.3 65 2.4 443,1
20.92 112 8.51 112 8.51 913 8.32 162 5.91 49 0.7 94 7.3 16 6.4 833,1
30.13 602 5.51 602 5.51 613 7.32 952 4.91 401 8.7 15 8.3 46 8.4 333,1
40.03 302 3.51 302 3.51 313 5.32 852 4.91 601 0.8 55 1.4 46 8.4 033,1
50.13 691 7.41 823 6.42 413 6.32 062 5.91 91 2.8 25 9.3 27 4.5 133,1
60.03 391 5.41 123 1.42 413 6.32 062 5.91 511 6.8 35 0.4 57 6.5 133,1
70.13 391 5.41 513 7.32 213 5.32 952 5.91 911 9.8 45 1.4 87 9.5 033,1
80.13 381 8.31 803 5.32 613 8.32 062 6.91 911 0.9 06 5.4 97 0.6 523,1
90.03 971 5.31 403 0.32 613 9.32 062 7.91 911 0.9 36 8.4 18 1.6 223,1
01.13 871 5.31 792 5.22 113 6.32 462 0.02 121 2.9 36 8.4 68 5.6 023,1
11.03 671 4.31 782 8.12 513 9.32 262 9.91 621 6.9 16 6.4 98 8.6 613,1
21.13 471 3.31 282 5.12 313 9.32 452 3.91 721 7.9 86 2.5 39 1.7 113,1
1002
10.13 471 2.31 572 9.02 213 7.32 152 1.91 921 8.9 47 6.5 99 6.7 413,1
20.82 071 9,21 072 5,02 213 7,32 252 1,91 531 2,01 87 9,5 201 7,7 913,1
68BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 14
Chart 15
Structure of Registered Credit Institutions
0
20
40
60
80
100
31
.12
.19
97
28
.02
.19
98
30
.04
.19
98
30
.06
.19
98
31
.08
.19
98
31
.10
.19
98
31
.12
.19
98
28
.02
.19
99
30
.04
.19
99
30
.06
.19
99
31
.08
.19
99
31
.10
.19
99
31
.12
.19
99
29
.02
.20
00
30
.04
.20
00
30
.06
.20
00
31
.08
.20
00
31
.10
.20
00
31
.12
.20
00
28
.02
.20
01
% s
ha
re o
f a
ll cr
ed
it in
stitu
tion
s re
gis
tere
d b
y B
an
k o
f R
uss
ia
Nonbank credit institutions registered by Bank of Russia
Credit institutions with licence
Credit institutions whose licence was revoked for violations of banking legislation and Bank of Russia regulations
Credit Institutions Grouped by Registered Authorized Capital
0
10
20
30
40
50
60
70
80
90
100
31
.08
.19
98
30
.09
.19
98
31
.10
.19
98
30
.11
.19
98
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
.05
.19
99
30
.06
.19
99
31
.07
.19
99
31
.08
.19
99
30
.09
.19
99
31
.10
.19
99
30
.11
.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
.09
.20
00
31
.10
.20
00
30
.11
.20
00
31
.12
.20
00
31
.01
.20
01
% s
ha
re o
f to
tal n
um
be
r o
f re
gis
tere
d in
stitu
tion
s
Less than 3 million rubles From 3 million to 10 million rubles From 10 million to 30 million rubles
From 30 million to 60 million rubles From 60 million to 150 million rubles From 150 million to 300 million rubles
From 300 million rubles and more
69
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.1.4elbaT
stessAybdepuorGecnamrofrePsnoitutitsnItiderCfosrotacidnIdetceleS)selburnoillim(
detatsesiwrehtosselnuselburnoillim,srotacidnI1002.10.13fosa)redrognidnecsedni(stessaybdepuorgsnoitutitsnitiderC
5—1 02—6 12 — 05 15 — 002 102 — 000,1 413,1—100,1 latoT
stinu,yrotirretFRehttuothguorhtsehcnarbfo.oN 785,1 003 483 375 548 67 567,3
dednetxestiderC 545,724 616,512 467,331 919,721 496,08 211,2 056,789
tbedgnidnatstuo:hcihwfo 639,01 652,11 174,3 702,2 220,2 511 700,03
snaoletaroproc— 279,843 649,451 012,79 104,59 023,95 053,1 002,757
tbedgnidnatstuo:hcihwfo 566,8 245,8 817,2 844,1 525,1 97 879,22
snaollanosrep— 172,02 953,8 022,3 261,8 900,01 046 066,05
tbedgnidnatstuo:hcihwfo 682 064 501 391 643 03 1, 024
sknabotdednetxestiderc— 52 , 735 04 , 135 82 , 220 91 , 037 8, 075 06 221 , 054
tbedgnidnatstuo:hcihwfo ,1 985 1, 241 834 453 741 7 3, 676
seitirucestnemnrevognitnemtsevnI 722 , 404 53 , 077 71 , 372 91 , 036 01 , 463 681 013 , 826
sllibnitnemtsevnI ,8 704 82 , 853 02 , 578 92 , 751 92 , 644 656 611 , 998
)sknabroftpecxe(snoitaroproctnediserfotseretniytiuqednaserahsnitnemtsevnI 01 , 087 01 , 878 3, 550 2, 205 724,1 35 82 , 696
sknabhtiwsdnufetaroproC 31 ,3 465 301 , 396 85 , 484 08 , 846 96 , 222 1, 548 744 , 654
sknabhtiwsdnufyrategduB 81 , 464 22 , 127 21 , 427 6, 397 033,4 98 56 , 121
stisopedlanosreP 63 ,2 858 92 , 089 91 , 854 62 , 997 42 , 567 095 464 , 054
tbedelbaitogeN 45 , 474 35 , 262 42 , 020 92 , 573 02 , 199 882 281 , 114
stessalatoT 1, 00 ,1 101 792,355 695,792 671,923 058,042 857,6 977,824,2
70BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 16
Chart 17
0
20
40
60
80
100
% s
ha
re o
f b
orr
ow
ing
s
(fro
m m
ajo
r so
urc
es)
1—5 6—20 21—50 51—200 201—1,000 1,001—1,314
Credit institutions grouped by assets
Comparative Data on Major Sources of Borrowing by Credit Institutions as of 31.01.2001
(Based on Credit Institutions Grouped by Assets)
Negotiable debt Personal depositsBudgetary funds with banksCorporate funds with banks
0
20
40
60
80
100
% s
ha
re o
f m
ajo
r a
lloca
tion
s
1—5 6—20 21—50 51—200 201—1,000 1,001—1,314
Credit institutions grouped by assets
Comparative Data on Major Allocations of Funds by Credit Institutions as of 31.01.2001
(Based on Credit Institutions Grouped by Assets)
Investment in shares and equity interest of resident corporations (except banks)Investment in billsInvestment in government securitiesCredits extended to banks
Personal loansCorporate loans
71BULLETIN OF BANKING STATISTICS № 3 (94)
4.2
. B
orr
ow
ing
s
1.2.
4el
ba
T
stis
op
eD
)sel
bur
noilli
m(
stiso
pe
del
burl
ato
T
lat
oT
stiso
pe
dla
nosr
ep
stiso
pe
det
aro
proc
kn
ab
stiso
pe
dl
ato
T
:ytirut
am
yb
lat
oT
:ytirut
am
yb
dn
am
ed
stiso
pe
dot
pu
sya
d0
3ot
13
sya
d0
9ot
19
sya
d0
81
sya
d1
81
ra
ey1
otot
1sr
aey
3
sra
ey3
dn
aer
om
dn
am
ed
stiso
pe
dot
pu
sya
d0
3ot
13
sya
d0
9ot
19
sya
d0
81
sya
d1
81
ra
ey1
otot
1sr
aey
3
sra
ey3
dn
aer
om
12
34
56
78
90
11
12
13
14
15
16
17
18
1
99
91
21.
13
57
5,6
32
38
7,2
02
19
3,1
61
82
06
4,8
16
25,
50
16
13,
92
41,
67
66,
11
28,
42
68
6,1
00
7,6
34
4,6
30
8,4
88
1,2
66
8,1
63
1,1
17
9,8
00
02
10.
13
88
2,0
42
38
8,8
02
89
9,8
57
92
24
1,0
29
66,
01
10
00,
11
47
1,6
30
6,1
45
7,4
27
17,
10
80,
67
78,
46
71,
66
36,
23
70,
24
91,
12
56,
6
20.
92
91
2,6
52
80
6,7
12
11
9,0
68
23
36
8,0
29
93,
51
14
91,
21
82
1,6
58
7,1
01
6,0
38
16,
22
08,
74
25,
71
60,
62
91,
36
81,
26
22,
11
00,
8
30.
13
45
4,7
62
99
5,6
22
75
7,3
69
92
97
7,1
28
32,
91
18
36,
31
33
2,6
55
6,1
99
9,3
39
88,
23
89,
73
28,
85
36,
66
01,
46
59,
19
06,
16
58,
6
40.
03
38
8,8
72
37
1,6
32
11
2,7
63
63
90
5,2
27
63,
22
16
68,
41
88
1,7
96
6,1
93
5,4
37
70,
35
87,
57
61,
11
38
4,5
88
0,5
93
4,1
99
4,2
17
1,8
50.
13
16
3,8
82
83
1,6
42
56
8,0
75
53
05
8,2
25
46,
42
18
81,
61
42
5,9
11
7,1
65
2,5
37
03,
35
56,
58
76,
11
10
6,4
42
7,5
52
7,1
66
5,2
86
9,6
60.
03
69
9,3
03
13
0,9
52
03
4,7
79
43
38
1,3
25
12,
72
14
26,
71
95
4,1
12
77,
18
51,
83
70
5,3
31
8,7
30
0,0
10
27,
52
75,
64
09,
18
36,
28
08,
6
70.
13
81
4,4
13
49
8,8
62
00
1,1
83
43
32
5,3
24
19,
82
19
57,
81
03
4,4
15
28,
19
86,
14
91
2,3
02
4,7
13
2,2
11
11,
70
77,
67
40,
21
98,
25
38,
3
80.
13
87
6,2
23
88
8,3
72
17
5,2
81
43
75
9,2
27
54,
82
18
85,
91
24
0,8
12
39,
19
78,
14
43
5,3
52
5,7
73
7,9
50
4,8
29
0,7
61
6,2
07
9,2
01
9,6
90.
03
13
7,8
23
90
2,1
82
51
6,6
89
84
33
2,2
25
85,
72
19
10,
02
63
3,2
22
39,
14
69,
04
42
3,3
22
3,6
84
9,9
69
0,8
24
4,7
98
7,2
34
0,3
85
5,6
01.
13
79
7,0
33
75
8,4
82
61
9,6
83
73
59
7,1
20
50,
52
17
04,
02
80
4,8
27
09,
12
19,
04
90
9,2
11
7,4
22
0,2
13
23,
72
97,
70
92,
36
68,
28
20,
5
11.
03
91
2,4
43
95
2,6
92
97
1,4
99
93
37
6,1
28
26,
32
16
45,
12
19
8,2
35
49,
12
82,
44
96
5,2
46
3,4
44
3,4
18
38,
84
62,
73
97,
30
11,
37
76,
3
21.
13
03
4,8
53
95
6,4
03
13
6,0
01
78
28
89,
02
84
9,2
21
23
8,1
23
31,
63
04
8,1
71
3,1
53
60,
21
56,
52
63,
71
59
9,8
59
1,7
51
4,6
53
6,3
55
4,2
10
02
10.
13
36
2,3
63
88
3,0
13
14
1,9
90
32
30
5,1
26
83,
32
13
68,
22
59
4,1
42
77,
13
45,
94
44
2,2
94
5,3
39
2,7
18
75,
94
56,
86
33,
49
88,
32
33,
3
72BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
)sel
bur
noilli
m(
stiso
pe
dyc
nerr
ucn
gier
oflat
oT
lat
oT
stiso
pe
dla
nosr
ep
stiso
pe
det
aro
proc
kn
ab
stiso
pe
dl
ato
T
:ytirut
am
yb
lat
oT
:ytirut
am
yb
dn
am
ed
stiso
pe
dot
pu
sya
d0
3ot
13
sya
d0
9ot
19
sya
d0
81
syad
18
1raey
1ot
ot1
sra
ey3
sra
ey3
dn
aer
om
dn
am
ed
stiso
pe
dot
pu
sya
d0
3ot
13
sya
d0
9ot
19
sya
d0
81
syad
18
1raey
1ot
ot1
sra
ey3
sra
ey3
dn
aer
om
91
02
12
22
32
42
52
62
72
82
92
03
13
23
33
43
53
63
99
91
21.
13
55
0,5
22
66
6,7
97
73,
03
17
3,2
44
9,4
71
3,6
39
07,
41
05
2,6
79
6,2
93
5,3
95
71,
12
08,
02
06
7,3
19
74,
55
68,
22
58
8,2
13
75,
61
05
8,3
3
00
02
10.
13
19
9,1
32
43
6,5
01
56
3,2
31
05,
21
72,
56
41,
04
46
2,6
11
91,
66
98,
20
66,
59
02
71
23,
42
38
2,0
17
29,
42
03,
72
64
2,1
11
68,
61
79
6,0
3
20.
92
65
3,2
42
30
8,8
01
63
7,2
34
86,
26
32,
50
89,
14
13
1,7
12
11,
63
29,
22
30,
40
11
68
63
8,5
25
24,
21
01
5,6
31
0,8
26
27,
11
95
6,8
11
25,
92
30.
13
96
5,6
42
11
5,0
11
22
2,2
35
84,
28
84,
52
68,
24
27
2,8
17
12,
64
69,
28
82,
90
16
78
73
1,1
34
80,
31
53
0,7
30
3,6
21
14,
31
24
4,7
10
77,
62
40.
03
92
1,4
52
35
9,3
11
64
6,2
30
97,
22
82,
57
84,
44
84
3,9
12
84,
67
19,
21
63,
21
16
98
53
2,7
30
63,
99
64,
73
31,
02
57
5,1
24
96,
51
51
8,7
2
50.
13
61
5,7
52
33
9,6
11
64
9,2
35
53,
26
23,
52
59,
54
30
2,0
28
60,
74
80,
38
92,
11
19
69
56
8,3
33
54,
21
73
0,8
29
7,0
23
24,
22
95
7,2
14
82,
92
60.
03
14
3,6
62
64
9,0
21
87
0,4
33
35,
26
10,
50
12,
74
54
2,1
28
17,
76
41,
38
67,
81
17
20,
12
65,
73
43
0,0
12
14,
83
95,
22
18
7,2
29
53,
61
62
6,6
2
70.
13
02
0,2
82
27
7,3
21
42
4,4
31
74,
29
92,
50
89,
74
24
0,2
24
34,
83
21,
33
21,
13
12
97
81
7,8
32
29,
11
02
1,8
26
3,4
35
50,
12
35
1,6
14
21,
72
80.
13
53
7,2
82
25
5,9
21
40
9,5
39
16,
23
43,
51
96,
94
20
9,3
23
61,
91
39,
26
43,
62
11
29
96
5,9
38
10,
61
11
2,9
40
7,0
39
97,
12
42
1,8
63
8,6
2
90.
03
97
8,3
92
72
4,2
31
50
0,6
33
18,
28
12,
53
51,
15
18
9,4
26
75,
91
86,
22
97,
83
14
50,
12
52,
84
88
9,5
19
18,
11
40
1,6
25
38,
42
04
7,0
10
66,
22
01.
13
26
7,0
13
94
6,7
31
58
4,6
37
07,
20
25,
54
12,
35
42
3,6
28
84,
01
01
9,2
55
6,8
41
70
1,1
46
7,0
50
97,
71
54
3,3
12
29,
72
18
5,7
25
41,
01
95
4,4
2
11.
03
16
0,3
23
90
2,2
41
94
4,7
36
26,
25
72,
53
69,
45
04
6,7
22
13,
11
34
9,2
61
2,5
51
11
2,1
10
2,0
58
67,
71
22
4,8
11
27,
82
23
1,7
22
67,
11
63
6,5
2
21.
13
18
3,7
33
54
5,8
41
81
0,2
49
25
34
1,6
53
2,8
58
51,
82
80
2,2
13
52,
13
17,
06
18
19
44
5,8
50
86,
51
81
5,6
27
40,
82
55
7,1
21
52,
94
21,
82
10
02
10.
13
38
3,7
53
26
0,4
51
74
6,1
40
66
42
5,6
25
9,0
62
23,
03
53
7,2
11
22,
12
53,
96
10
88
41
6,4
69
84,
12
30
5,7
26
34,
22
99
7,1
20
36,
01
07
9,3
3
73BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 18
Structure of personal deposits as of 31.01.2000
30.27%
9.10%52.04%
4.59% 3.03% 0.82%
demand deposits
up to 30 days
31 to 90 days
91 to 180 days
181 days to 1 year
1 year to 3 years
3 years and more
Structure of personal deposits as of 31.01.2001
31.94%
0.07%
6.93%39.75%
7.37%
13.37%0.57%
demand deposits
up to 30 days
31 to 90 days
91 to 180 days
181 days to 1 year
1 year to 3 years
3 years and more
74
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
2.2.4elbaT
selbuRnilanosrePdnaetaroproCnosetaRtseretnItisopeDdethgieWegarevA).a.p%(
ytirutamybstisopedlanosrepnosetartseretnI ytirutamybstisopedetaroprocnosetartseretnI
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1eromdna
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1eromdna
0002
yraunaJ 2.41 9.01 8.13 6.13 9.26 7.18 6.11 7.9 1.61 5.31 8.81 7.43
yraurbeF 4.9 7.5 1.92 7.03 4.93 3.57 3.11 1.9 9.21 3.22 8.03 9.52
hcraM 8.8 4.5 1.82 6.82 4.83 2.99 3.7 2.5 1.21 5.22 4.44 1.33
lirpA 7.5 1.4 0.32 8.42 4.33 1.36 5.8 0.7 7.01 0.21 1.72 6.12
yaM 6.7 5.5 6.02 4.32 1.82 8.74 2.01 7.7 2.41 1.81 1.03 7.12
enuJ 4.7 5.5 3.91 1.22 2.82 4.34 7.01 3.01 5.9 1.81 3.61 5.31
yluJ 7.6 8.4 0.91 8.12 8.72 2.65 3.7 8.4 7.01 4.31 3.73 6.12
tsuguA 3.5 6.3 4.51 5.12 8.22 6.05 1.6 2.4 3.9 4.81 6.61 2.91
rebmetpeS 8.4 0.3 4.61 3.71 4.02 4.43 9.11 3.4 4.7 1.81 4.62 1.61
rebotcO 6.4 0.3 5.61 6.61 2.42 1.23 7.4 2.3 3.9 5.32 8.01 7.51
rebmevoN 7.4 5.3 9.41 5.51 4.02 2.62 0.7 5.4 0.41 7.9 8.5 9.51
rebmeceD 3.4 8.2 1.51 6.61 4.54 0.33 9.7 4.5 8.01 6.01 6.31 0.12
1002
yraunaJ 5.4 3.2 9.11 4.21 6.61 5.91 0.6 8,3 9.11 5.01 4.21 0.42
75
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.2.4elbaT
sralloDSUnilanosrePdnaetaroproCnosetaRtseretnItisopeDdethgieWegarevA).a.p%(
stisopedlanosrepnosetartseretnI stisopedetaroprocnosetartseretnI
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1eromdna
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1eromdna
0002
yraunaJ 0.4 9.2 3.7 0.8 2.21 3.81 2.5 1.5 2.5 7.5 1.6 1.6
yraurbeF 6.2 5.1 3.9 1.8 8.9 5.61 3.5 1.5 6.5 3.6 8.9 0.6
hcraM 5.3 5.2 8.9 0.8 1.01 7.31 6.5 3.5 7.6 5.01 2.8 5.81
lirpA 2.2 2.1 5.7 0.8 8.9 0.8 7.5 6.5 9.5 2.6 6.7 1.7
yaM 4.2 3.1 6.5 8.7 3.9 0.01 5.7 9.5 0.6 6.22 8.7 0.7
enuJ 2.2 3.1 2.6 4.7 2.9 0.01 3.6 2.6 8.6 6.6 5.6 2.8
yluJ 5.2 3.1 8.5 7.7 2.8 4.01 0.6 0.6 1.6 2.7 9.5 9.7
tsuguA 2.3 6.1 5.12 2.7 0.9 4.9 1.6 0.6 7.5 8.6 2.6 4.8
rebmetpeS 1.2 2.1 1.6 4.7 2.11 3.9 9.5 9.5 0.6 5.6 6.5 0.8
rebotcO 9.1 0.1 9.5 5.7 3.9 8.9 8.5 7.5 9.5 7.6 4.6 7.5
rebmevoN 1.2 3.1 2.6 5.7 4.8 6.9 7.5 4.5 0.6 5.6 1.9 6.01
rebmeceD 3.2 5.1 9.5 8.7 5.8 2.9 5.5 4.5 8.5 9.6 8.6 7.6
1002
yraunaJ 5.2 9.0 3.5 8.6 2.11 2.7 1.5 0.5 8.4 2.6 6.6 2.8
76
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.2.4elbaT
selbuRniknabretnInosetaRtseretnItisopeDdethgieWegarevA).a.p%(
ytirutamybstisoped’sknabnosetartseretnI
ytirutamllayb syad03otpu thginrevohcihwfo syad09ot13 syad081ot19 raey1otsyad181 eromdnaraey1
0002
yraunaJ 6.9 2.9 7.9 8.31 2.52 1.41 0.81
yraurbeF 4.8 2.8 7.8 8.21 0.02 9.71 3.8
hcraM 0.7 7.6 7.5 1.51 1.21 1.02 1.9
lirpA 2.01 1.01 0.01 8.31 5.51 2.12 6.4
yaM 4.7 3.7 6.7 6.41 4.12 4.21 9.4
enuJ 7.4 5.4 1.4 5.11 5.91 7.31 8.4
yluJ 4.3 0.3 6.2 3.11 0.51 3.01 2.5
tsuguA 8.4 3.4 3.4 4.11 1.41 0.41 0.5
rebmetpeS 4.4 5.3 0.3 1.11 2.21 1.71 2.6
rebotcO 5.5 1.5 5.5 1.21 4.21 3.12 1.4
rebmevoN 5.7 3.7 4.8 2.11 0.51 1.31 2.3
rebmeceD 8.7 4.7 9.7 7.11 1.7 9.91 5.6
1002
yraunaJ 2.6 6.5 9.5 5.11 3.61 1.02 7.6
77BULLETIN OF BANKING STATISTICS № 3 (94)
5.2.
4el
ba
T
sd
no
Bd
na
set
acifitr
eC
sg
niva
Sd
na
tis
op
eD
)sel
bur
noilli
m,r
ap
ta(
set
acifitrec
tiso
pe
dlat
oT
set
acifitrec
sg
nivasl
ato
Ts
dn
obl
ato
T
lat
oT
:e
ud
gnill
afes
oht
hcih
wf
o
lat
oT
:e
ud
gnill
afes
oht
hcih
wf
o
lat
oT
:e
ud
gnill
afes
oht
hcih
wf
o
otp
usy
ad
03
ot1
3sy
ad
09
ot1
9sy
ad
08
1sy
ad
18
1a
ey1
otot
1sr
aey
3
ero
mn
aht
sra
ey3
otp
usy
ad
03
ot1
3sy
ad
09
ot1
9sya
d0
81
sya
d1
81
aey
1ot
ot1
sra
ey3
ero
mn
aht
sra
ey3
otp
usy
ad
03
ot1
3sy
ad
09
ot1
9sy
ad
08
1sy
ad
18
1a
ey1
otot
1sr
aey
3
ero
mn
aht
sra
ey3
00
02
10.
13
60
13,
07
25
47,
20
88,
16
30,
18
73
10
11
01
70
10
10
67
60
00
64
43
62
3
20.
92
50
2,7
22
70
73,
36
06,
13
40,
13
64
15
90
10
04
90
67
1,1
00
06
44
36
28
30.
13
92
4,8
35
46
02,
35
71,
20
85,
10
44
10
90
10
03
70
67
1,1
00
06
44
36
28
40.
03
70
3,9
59
55
48,
38
77,
13
85,
28
52
15
80
01
07
60
19
3,1
00
71
00
44
31
78
50.
13
56
8,9
95
28
52,
44
71,
27
47,
26
52
11
80
01
13
60
58
3,2
00
71
00
44
3,1
17
8
60.
03
75
6,0
15
74
66
1,4
26
9,1
72
9,2
92
31
87
00
12
85
05
83,
20
07
10
04
43,
11
78
70.
13
08
9,0
15
35
32
9,4
47
8,1
95
7,2
24
31
47
10
02
45
05
12,
20
00
04
43,
11
78
80.
13
89
3,0
18
63
25
5,4
50
2,2
13
8,2
70
25
14
80
27
52
50
82
3,2
00
31
10
44
3,1
17
8
90.
03
99
7,6
16
72
49
9,0
15
53,
29
32,
21
42
15
01
04
51
71
15
03
63,
20
03
11
04
43,
16
09
01.
13
36
7,8
13
34
63
4,6
11
5,9
69
6,1
28
11
23
10
19
24
30
50
36
3,2
00
31
10
44
3,1
60
9
11.
03
41
9,2
10
85
83
3,7
54
6,2
18
6,1
23
25
45
10
24
39
31
60
61
2,2
07
91
31
10
00
0,1
60
9
21.
13
98
5,1
24
67
15
3,5
18
15,
20
40,
20
43
99
61
00
63
34
86
05
07,
40
00
79
10
00,
18
05,
3
10
02
10.
13
71
6,1
20
25
68
4,5
13
17,
28
10,
29
73
98
71
00
43
05
37
04
58,
40
00
51
69
10
00,
18
05,
3
78
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
6.2.4elbaT
sdnoBdnasetacifitreCsgnivaSdnatisopeDnosetaRtseretnIdethgieWegarevA).a.p%(
:ytirutamybtsetacifitrectisopednosetartseretnI :ytirutamybsetacifitrecsgnivasnosetartseretnI :ytirutamybsdnobnosetartseretnI
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
0002
yraunaJ 0.4 5.9 4.02 1.02 — — 8.93 3.23 0.72 — — — — — —
yraurbeF 7.6 3.71 7.02 0.22 0.1 — 0.02 0.63 0.72 — — — — — —
hcraM 4.11 2.71 1.42 8.2 1.2 — 0.54 0.22 9.62 — — — — — —
lirpA 2.9 6.21 8.51 7.12 7.2 0.33 — 4.62 0.92 0.92 — 0.42 — — —
yaM 1.8 6.11 5.41 8.42 2.1 0.33 0.42 — 0.32 — — — — — 8.81
enuJ 3.51 0.01 5.71 7.32 1.1 — — 0.81 0.32 0.32 — — — — —
yluJ 6.32 6.11 9.41 6.02 9.7 8.62 0.31 0.42 — — — — — — —
tsuguA 7.32 0.11 1.31 4.91 0.1 — — 0.81 — — — — 0.81 — —
rebmetpeS 0.32 8.8 7.41 9.22 1.2 — — — — — — — — — —
rebotcO 6.71 8.6 2.21 4.02 1.1 — 0.42 — — — — — — — —
rebmevoN 9.11 6.41 2.31 8.51 3.1 — — — 0.51 — — — — 0.02 —
rebmeceD 3.41 5.2 0.01 9.41 8.1 — — — 9.61 — — — — — —
0002
yraunaJ 7.11 3.11 9.01 8,01 8.8 — — 0.31 6.61 — — — 9.22 5.02 —
79
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
7.2.4elbaT
slliBhguorhTdesiaRdnaslaudividnIdnaseititnElageLybdenwOsdnuF)selburnoillim(
doirepnoitpmederyb,sllibybdesiarselburlatoT doirepnoitpmederyb,sllibybdesiarycnerrucngieroflatoT
latoT
:hcihwfo
latoT
:hcihwfo
llacnootpu
syad03ot13yad09
ot19syad081
syad181raey1ot
ot1sraey3
eromnaht
sraey3llacno
otpusyad03
ot13yad09
ot19syad081
syad181raey1ot
ot1sraey3
eromnaht
sraey3
0002
10.13 107,56 982,72 149,4 833,21 003,01 830,8 119,1 388 420,14 469,6 292,2 491,11 629,7 702,5 390,5 843,2
20.92 973,26 255,22 631,5 978,21 208,01 922,8 569,1 718 049,04 189,5 502,3 377,11 063,8 589,5 818,3 718,1
30.13 199,07 581,12 693,5 763,41 594,11 782,01 655,2 858 208,83 426,2 248 956,01 615,9 016,5 059,3 818,1
40.03 317,96 332,02 238,4 245,21 032,21 665,01 350,3 958 237,04 378,2 240,3 043,8 234,01 955,6 840,4 057,1
50.13 112,07 985,12 054,4 082,11 215,21 178,01 524,3 139 071,73 799,2 037 939,7 162,01 513,6 127,3 618,1
60.03 603,37 966,22 726,5 054,11 279,11 143,11 215,3 980,1 332,93 237,2 530,1 365,7 437,11 889,6 578,3 778,1
70.13 749,77 286,32 520,5 879,21 373,31 528,11 767,3 920,1 268,04 937,3 717 580,7 893,01 527,8 804,4 563,4
80.13 167,38 606,72 804,5 809,21 471,41 028,01 312,4 131,1 010,34 915,6 457 904,5 077,8 144,9 612,4 581,4
90.03 119,59 457,82 195,5 124,31 091,02 558,11 586,4 165,3 834,24 399,5 760,1 727,5 009,8 758,7 877,4 067,4
01.13 162,501 036,62 701,5 874,41 523,02 233,31 111,6 426,11 555,24 050,8 185,2 000,5 079,6 136,7 958,3 578,6
11.03 338,011 722,92 520,5 715,41 308,81 297,61 789,6 983,21 354,44 743,01 159 037,5 115,8 039,6 541,4 399,6
21.13 195,621 624,53 988,31 570,61 015,81 787,51 045,6 506,31 266,64 402,7 512,1 065,01 076,9 435,6 119,4 711,4
1002
10.13 794,211 227,03 585,5 989,41 556,71 783,51 175,7 716,31 172,24 504,6 357 167,7 626,8 560,7 277,4 173,4
80BULLETIN OF BANKING STATISTICS № 3 (94)
8.2.
4el
ba
T
slliB
no
set
aR
ts
eret
nId
eth
gie
We
gar
evA
).a.
p%(
:ytirut
am
yb
,seitit
nel
ag
elot
dlos
sllib
det
ani
mo
ne
d-el
bur
no
set
arts
eret
nI:ytir
uta
my
b,sl
au
divid
niot
dlos
sllib
det
ani
mo
ne
d-el
bur
no
set
arts
eret
nI
th
gist
aot
pu
sya
d0
3ot
13
ya
d0
9ot
19
sya
d0
81
sya
d1
81
ra
ey1
otot
1sr
aey
3n
aht
ero
msr
aey
3t
hgis
ta
otp
usy
ad
03
ot1
3y
ad
09
ot1
9sy
ad
08
1sy
ad
18
1r
aey
1ot
ot1
sra
ey3
na
hter
om
sra
ey3
00
02
yra
un
aJ0.
1—
5.2
60.
61
6.1
14.
78.
71
1.0
2.1
0.1
19.
02
9.0
57.
84
7.3
yra
urb
eF
3.2
5.9
24.
33
9.6
19.
74.
02
0.7
14.
02.
18.
71
9.3
10.
76.
10.
51
hcra
M—
0.2
48.
42
6.8
8.0
19.
91
8.9
5.0
1.2
1.4
10.
02
0.2
43.
15.
62
lirp
A6.
03.
72
5.2
22.
31
4.1
10.
21
9.4
13.
02.
11
6.6
10.
43.
29.
58.
66
1
ya
M6.
02.
33
8.5
26.
31
0.6
9.3
19.
02
3.0
4.0
6.3
18.
21
1.1
2.5
7.0
en
uJ3.
19.
04
5.3
21.
51
3.6
4.4
15.
82
1.0
2.7
9.6
16.
51
7.8
2.7
3.4
3
yluJ
3.1
4.6
8.6
25.
01
1.7
8.1
14.
21
1.0
4.4
4.6
17.
52
4.1
9.4
2.8
tsu
gu
A2.
22.
94.
42
5.9
3.0
13.
41
5.9
12.
08.
39.
51
8.6
6.1
8.0
5.5
re
bm
etp
eS
1.7
7.1
17.
11
3.1
18.
76.
91
3.3
11.
03.
38.
11
5.8
19.
14.
06.
61
re
botc
O0.
43.
68.
51
2.1
18.
70.
41
5.6
1.0
6.3
9.4
9.1
—9.
10.
81
re
bm
evo
N1.
02.
11
9.0
6.5
18.
70.
61
1.1
11.
05.
84.
21.
73.
37.
18.
22
re
bm
ece
D0.
17.
01
5.9
5.0
11.
67.
41
9.9
1.0
7.6
10.
54
1.8
15.
06.
72
4.0
1
10
02
yra
un
aJ9.
09.
57.
91.
21
2.1
16.
21
8.9
13.
06.
02
0.4
2.1
3.8
4.0
6.6
81
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.3. Lending
1.3.4elbaT
snaoLlanosrePdnaknabretnI,etaroproC)selburnoillim(
selburnisnaollatoT ycnerrucngierofnisnaollatoT
latoT
:hcihwfo
latoT
:hcihwfo
lanosrepsnaol
snaoletaroproc
snaolsknabot
lanosrepsnaol
snaoletaroproc
snaolsknabotlatot
:ytirutamybhcihwfo
latot
:ytirutamybhcihwfo
otpusyad03
ot13yad09
ot19syad081
syad181raey1ot
ot1sraey3
eromnaht
sraey3
otpusyad03
ot13yad09
ot19syad081
syad181raey1ot
ot1sraey3
eromnaht
sraey3
0002
10.13 945,003 746,61 669,152 585,21 868,22 073,33 258,201 632,53 295,72 041,13 036,303 209,11 411,602 538,7 453,9 072,71 648,15 155,94 260,05 376,94
20.92 721,613 692,71 829,362 449,51 279,42 442,63 768,501 740,63 340,72 230,43 403,513 769,11 722,502 954,01 645,7 551,71 858,35 306,84 677,84 098,06
30.13 230,823 912,81 418,272 285,21 816,52 169,14 454,601 552,83 069,72 031,63 551,813 701,21 928,012 350,01 434,9 798,41 220,95 767,84 557,94 222,85
40.03 176,943 102,91 420,882 796,21 735,42 679,84 213,211 258,04 036,72 645,14 539,613 413,21 070,412 314,9 991,8 358,51 220,16 400,05 767,05 262,35
50.13 730,163 432,02 954,003 267,71 666,22 702,35 018,311 421,34 620,82 074,93 499,213 695,21 504,122 985,8 507,9 747,61 154,36 298,35 491,15 111,24
60.03 974,383 238,12 339,323 396,81 723,82 715,65 946,021 920,74 022,92 256,63 793,813 631,31 769,912 346,7 288,7 925,61 942,26 378,65 747,15 583,64
70.13 804,883 255,32 392,923 546,41 002,03 122,46 575,811 792,74 259,92 502,43 898,623 886,31 169,812 969,4 628,8 488,61 486,16 834,25 576,65 586,65
80.13 829,224 611,62 697,253 978,71 295,04 333,96 449,121 551,94 694,92 834,24 797,233 479,31 487,032 804,5 029,8 228,71 747,76 267,65 659,75 901,05
90.03 390,164 685,82 053,383 471,32 288,24 941,08 099,921 477,05 092,92 075,74 083,853 998,31 771,342 516,8 845,6 222,42 823,96 449,95 962,85 744,26
01.13 677,794 640,13 504,014 378,32 579,04 055,18 939,051 968,45 017,92 417,45 754,343 807,41 578,342 647,5 873,01 432,81 413,17 705,06 571,16 655,44
11.03 686,235 966,33 868,844 120,52 836,83 462,79 966,861 038,95 681,03 125,84 290,553 745,41 076,742 067,8 040,7 253,71 872,47 454,56 392,06 189,25
21.13 043,885 555,43 383,705 702,14 212,05 358,001 812,881 172,76 153,13 757,44 359,763 491,01 369,552 958,9 777,8 039,91 929,57 187,96 880,85 759,95
1002
10.13 061,895 094,04 193,205 836,82 712,94 124,49 796,991 944,56 338,13 746,35 787,373 071,01 908,452 465,3 071,8 229,12 162,47 624,47 439,85 308,86
82BULLETIN OF BANKING STATISTICS № 3 (94)
Chart 19
Chart 20
Structure of Loans Extended by Credit Institutions in Ruble and Foreign Currency
0
200
400
600
800
1,000
1,200
31
.12
.19
97
31
.01
.19
98
28
.02
.19
98
31
.03
.19
98
30
.04
.19
98
31
.05
.19
98
30
.06
.19
98
31
.07
.19
98
31
.08
.19
98
30
.09
.19
98
31
.10
.19
98
30
.11
.19
98
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
.05
.19
99
30
.06
.19
99
31
.07
.19
99
31
.08
.19
99
30
.09
.19
99
31
.10
.19
99
30
.11
.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
.09
.20
00
31
.10
.20
00
30
.11
.20
00
31
.12
.20
00
31
.01
.20
01
bill
ion
ru
ble
s
Personal loans in rublesCorporate loans in rublesLoans to banks in rubleLoans in foreign currency
Dynamics of Debt on Credits Extended
0
100
200
300
400
500
600
700
800
900
1,000
31
.01
.19
98
28
.02
.19
98
31
.03
.19
98
30
.04
.19
98
31
.05
.19
98
30
.06
.19
98
31
.07
.19
98
31
.08
.19
98
30
.09
.19
98
31
.10
.19
98
30
.11
.19
98
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
.05
.19
99
30
.06
.19
99
31
.07
.19
99
31
.08
.19
99
30
.09
.19
99
31
.10
.19
99
30
.11
.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
.09
.20
00
31
.10
.20
00
30
.11
.20
00
31
.12
.20
00
31
.01
.20
01
bill
ion
ru
ble
s
0
50
100
150
200
250
300
%
Debt on loans to banks
Debt on personal loans
Debt on corporate loans
Overdue debt on loans as % at the beginning of the 1998 year (right-hand scale)
83
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
2.3.4elbaT
selbuRnisnaoLlanosrePdnaetaroproCnosetaRtseretnIdethgieWegarevA).a.p%(
selburnisnaollanosrepnosetartseretnI selburnisnaoletaroprocnosetartseretnI
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
nahteromsraey3
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
nahteromsraey3
0002
yraunaJ 5.83 5.93 9.24 6.44 2.83 5.63 3.53 1.33 9.13 7.83 6.53 7.23 7.52 3.71
yraurbeF 3.53 9.53 8.93 2.24 5.53 4.33 4.43 5.13 5.62 7.63 6.73 7.43 8.43 0.82
hcraM 2.33 7.13 3.93 6.34 5.23 1.03 8.32 6.92 5.62 3.53 2.43 0.92 4.92 7.11
lirpA 8.62 8.52 1.43 5.53 0.72 7.22 5.22 7.82 1.62 0.23 5.13 2.13 0.22 2.91
yaM 1.92 0.92 2.43 9.83 2.72 5.42 5.02 3.52 6.12 4.82 2.13 8.82 0.22 0.72
enuJ 3.82 9.72 7.13 1.53 8.62 7.42 1.42 0.32 5.02 0.22 8.92 1.62 6.42 8.81
yluJ 4.72 0.72 8.92 8.33 4.62 6.22 3.32 0.32 2.91 6.42 5.82 8.52 9.82 1.02
tsuguA 6.52 1.52 5.92 1.03 6.42 7.42 7.61 9.02 2.81 2.22 8.42 8.42 8.12 8.91
rebmetpeS 3.62 4.82 3.92 7.03 4.32 3.12 0.81 6.02 7.81 7.32 8.02 8.22 8.32 2.51
rebotcO 9.52 7.62 9.13 5.03 2.32 4.22 9.61 0.02 9.61 8.22 3.42 7.22 7.91 8.61
rebmevoN 0.32 6.32 7.52 4.72 5.32 8.81 4.51 1.81 5.61 7.91 4.12 4.81 5.81 3.21
rebmeceD 9.12 3.12 0.82 6.62 7.02 1.12 7.71 0.81 6.61 1.22 7.22 3.71 7.61 0.01
1002
yraunaJ 6.22 6.32 7.82 1.03 7.12 6.91 6.81 6.81 9.61 2.12 5.12 2.91 3.12 6.21
84
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
3.3.4elbaT
sralloDSUnisnaoLlanosrePdnaetaroproCnosetaRtseretnIdethgieWegarevA).a.p%(
eudgnillafslallodSUnisnaollanosrepnosetartseretnI eudgnillafsallodSUnisnaoletaroprocnosetartseretnI
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1sraey3ot
revosraey3
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1sraey3ot
revosraey3
0002
yraunaJ 2.31 4.21 7.61 5.51 6.81 7.21 5.01 9.11 5.01 3.11 4.61 2.41 8.61 9.9
yraurbeF 5.21 8.21 5.61 7.71 6.11 4.11 7.01 3.31 1.11 8.31 5.61 7.41 1.71 4.21
hcraM 3.21 3.11 8.71 9.81 5.61 4.31 8.01 1.21 2.01 6.01 4.41 3.41 4.51 6.01
lirpA 1.31 8.11 7.71 1.81 8.71 0.41 8.01 8.21 5.01 7.31 5.71 3.41 9.21 8.41
yaM 9.21 8.11 1.81 1.81 9.71 5.11 4.11 1.21 3.01 1.41 2.41 6.31 9.21 1.11
enuJ 2.21 2.11 1.02 8.71 4.71 5.11 2.11 8.11 0.11 2.31 0.41 5.11 2.31 1.01
yluJ 4.21 7.11 8.51 4.02 9.61 4.11 2.01 4.21 4.11 8.21 2.31 0.41 6.11 3.31
tsuguA 1.41 1.21 4.9 8.61 2.61 3.31 2.01 6.11 8.9 7.21 8.01 6.31 6.31 8.21
rebmetpeS 7.31 2.21 6.61 0.71 0.51 9.21 1.01 4.11 3.01 3.11 8.11 2.31 0.41 8.01
rebotcO 3.21 5.11 2.51 3.71 4.71 2.31 9.8 5.11 0.01 3.11 9.41 1.21 0.41 5.31
rebmevoN 4.31 9.21 5.51 5.71 4.61 3.31 1.11 3.21 3.01 0.51 4.41 0.41 7.21 2.31
rebmeceD 2.21 1.11 6.61 3.71 6.61 6.41 7.11 9.11 5.01 7.21 0.31 8.31 9.11 6.31
1002
yraunaJ 0.31 9.21 6.61 5.81 6.51 8.01 5.21 5.11 8.9 8.11 7.21 8.21 5.31 9.21
85
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.3.4elbaT
sralloDSUnidnaselbuRnisnaoLknabretnInosetaRtseretnIdethgieWegarevA).a.p%(
selburnisknabotsnaolnosetartseretnI eudgnillafsallodSUnisknabotsnaolnosetartseretnI
llaybytirutam
otpusyad03
hcihwfothginrevo
ot13syad09
ot19syad081
syad181raey1ot
ot1sraey3
nahteromsraey3
llaybytirutam
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1sraey3ot
revosraey3
0002
yraunaJ 5.21 2.01 3.01 4.72 2.42 5.751 1.52 — 4.5 4.5 0.6 0.6 3.6 8.7 8.4
yraurbeF 0.01 0.01 2.01 8.71 9.12 9.8 7.63 8.8 5.5 5.5 7.6 4.6 3.6 3.41 0.51
hcraM 6.7 5.7 6.6 7.41 9.31 4.91 8.91 — 7.5 7.5 2.7 1.8 7.6 1.01 —
lirpA 3.01 2.01 0.01 5.31 9.51 2.01 6.8 — 8.5 8.5 7.6 3.6 5.6 2.11 —
yaM 0.8 0.8 0.8 9.01 5.41 9.2 5.21 — 1.6 1.6 7.6 6.6 6.6 6.01 —
enuJ 5.5 5.5 2.5 2.21 1.81 4.7 0.31 — 2.6 2.6 2.7 6.6 3.7 0.9 —
yluJ 4.4 3.4 0.4 1.9 9.31 6.12 1.01 7.7 9.01 0.11 9.6 2.5 1.7 8.11 —
tsuguA 2.5 1.5 1.5 6.9 0.71 4.41 1.02 9.8 3.6 3.6 9.6 8.6 7.6 7.8 8.2
rebmetpeS 3.4 2.4 9.3 4.11 0.21 6.51 — — 3.6 3.6 3.6 0.8 9.6 9.11 9.2
rebotcO 5.5 4.5 5.5 3.9 9.21 8.01 — — 4.6 4.6 7.6 6.6 8.6 1.7 —
rebmevoN 6.7 6.7 4.8 9.8 6.9 8.71 — 8.8 4.6 4.6 3.7 4.8 7.6 9.2 0.6
rebmeceD 9.7 9.7 8.7 1.9 4.6 7.01 0.01 7.8 8.6 8.6 5.8 9.6 2.7 6.7 —
1002
yraunaJ 8.5 8.5 0.6 1.8 5.9 1.3 7.01 8.8 0.6 0.6 7.6 1.6 2.1 1.6 —
86
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
5.3.4elbaT
seitiruceSnistnemtsevnI’snoitutitsnItiderCfoerutcurtS)selburnoillim(
stnemurtsnitbednitnemtsevnI
latoTlaredeF
tnemnrevogseitiruces
:hcihwfoseitirucesnothguob
smretOPER
FRehtfoseitiruceSseirotirretrebmemseitirohtualacoldna
:hcihwfoseitirucesnothguob
smretOPER
seitiruceSybdeussi
tiderctnedisersnoitutitsni
:hcihwfoseitirucesnothguob
smretOPER
seitiruceSybdeussi
stnedisernon
:hcihwfoseitirucesnothguob
smretOPER
tbedrehtOstnemurtsni
:hcihwfostnemurtsnitbed
nothguobsmretOPER
1 2 3 4 5 6 7 8 9 01 11
9991
21.13 096,722 507,312 130,1 287,3 4 822 0 427,9 0 152 32
0002
10.13 432,352 412,832 269 359,3 3 602 0 975,01 0 282 82
20.92 646,052 247,632 769 059,3 3 802 0 854,9 0 882 13
30.13 350,352 481,932 809 093,4 3 06 0 851,9 0 162 92
40.03 297,852 433,442 314 451,5 1 532 0 028,8 0 942 92
50.13 537,262 804,842 245 133,5 28 792 0 905,8 0 091 92
60.03 090,562 284,052 064 622,5 34 324 0 497,8 0 561 92
70.13 623,472 857,952 106 234,5 0 706 0 011,8 0 124 82
80.13 977,582 337,862 085 641,6 21 306 0 577,8 0 225,1 33
90.03 974,492 485,772 644 859,4 08 629 0 179,8 0 930,2 65
01.13 846,013 853,492 981 532,4 37 667 0 279,8 0 613,2 55
11.03 175,613 593,203 883 976,2 0 303 0 772,01 0 719 55
21.13 487,923 746,013 952 247,2 752 983 0 827,41 0 772,1 35
1002
10.13 231,523 826,013 361 048,2 362 466 0 151,9 0 948,1 35
87BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
)sel
bur
noilli
m(
kcots
fo
ser
ahs
nit
ne
mtsev
nIs
eititn
ela
gel
nits
eret
niyti
uq
Er
eht
Og
nita
picitra
psts
eret
nil
ato
Tti
derc
tn
edis
eR
’sn
oitutits
nikc
otsf
os
era
hs
:hci
hw
fo
kcots
fo
ser
ahs
rof
th
gu
ob
tn
emts
evni
’stn
edis
ern
oN
ser
ahs
:hci
hw
fo
th
gu
ob
ser
ahs
ne
mtsev
nir
ofs
era
hsr
eht
O:
hcih
wf
ot
hg
uo
bs
era
hst
ne
mtsev
nir
ofl
ato
T
:hci
hw
fo
dn
ayr
aidis
bus
tn
edis
erd
etailiff
ak
na
b
21
31
41
51
61
71
81
91
02
12
99
91
21.
13
84
3,5
27
08
30
79
54
63
32
80,
42
17
3,0
15
48,
60
78
08
3,2
00
02
10.
13
96
2,6
20
48
40
72
84
25
37
49,
42
63
3,0
14
50,
70
78
87
3,2
20.
92
33
2,7
22
38
11
75
74
84
36
29,
52
42
4,0
16
48,
65
78
57
9,1
30.
13
81
7,8
27
68
61
72
74
64
38
73,
72
23
7,0
10
50,
72
50,
17
01,
3
40.
03
31
5,8
24
98
02
75
64
24
34
51,
72
95
7,0
16
37,
66
30,
19
21,
3
50.
13
52
7,8
27
09
73
76
84
24
33
33,
72
51
6,0
13
07,
66
10,
12
02,
3
60.
03
87
0,8
21
09
64
78
64
34
38
07,
62
76
8,9
07
9,6
39
94
81,
3
70.
13
15
1,6
22
88
82
77
64
34
32
08,
42
59
8,9
09
9,6
88
92
35,
3
80.
13
72
5,6
29
29
02
75
34
71
32
61,
52
19
9,8
84
7,6
86
94
04,
3
90.
03
41
3,6
25
98
60
77
34
81
32
89,
42
59
9,8
78
7,6
36
97
63,
3
01.
13
02
5,6
23
28
82
67
24
21
39
62,
52
43
0,9
13
2,7
85
4,1
55
3,3
11.
03
74
3,8
24
29
80
75
18
31
38
06,
62
13
6,0
10
72,
74
64,
12
43,
3
21.
13
07
7,6
26
18
12
60
96
52
35
62,
52
12
8,9
04
4,7
17
4,1
57
2,3
10
02
10.
13
30
6,6
28
39
35
62
96
62
33
79,
42
92
2,0
15
16,
71
46,
12
33,
3
88BULLETIN OF BANKING STATISTICS № 3 (94)
6.3.
4el
ba
T
slliB
det
nu
oc
siD
)sel
bur
noilli
m(
sel
bur
nid
eta
nim
on
ed
sllib
det
nu
ocsidl
ato
Tyc
nerr
ucn
gier
ofni
det
ani
mo
ne
dslli
bd
etn
uocsi
dlat
oT
lat
oT
:hci
hw
fo
lat
oT
:hci
hw
fo
de
ussislli
bd
eet
nar
au
gd
na
lar
ed
efy
bt
ne
mnr
evo
g
dn
ad
eussi
sllib
FR
yb
de
etn
ara
ug
seir
otirret
re
bm
em
lac
old
na
seitir
oht
ua
sllib
’skn
ab
’stn
edis
ern
on
sllib
sllib
re
hto
de
ussislli
bd
eet
nar
au
gd
na
lar
ed
efy
bt
ne
mnr
evo
g
sllib
’skn
ab
’stn
edis
ern
on
sllib
sllib
re
hto
99
91
21.
13
80
0,4
59
07
56
16
52,
25
81
39
6,0
55
18,
11
08
67
29
5,0
15
54
00
02
10.
13
49
3,9
52
27
52
14
98,
54
12
04
4,2
56
36,
21
07
38
62
3,1
13
74
20.
92
11
2,1
67
17
83
17
82,
62
24
74
6,3
57
60,
31
02
17
16
8,1
14
94
30.
13
56
1,4
69
17
67
10
35,
67
71
36
5,6
55
14,
21
09
75
55
3,1
12
84
40.
03
71
8,8
68
08
56
10
85,
67
02
85
0,1
60
74,
21
09
15
41
3,1
17
36
50.
13
06
7,5
79
08
62
24
49,
63
45
93
2,7
66
99,
11
09
83
30
1,1
14
05
60.
03
93
3,0
85
97
31
21
97,
79
91
14
3,1
76
37,
21
01
35
18
6,1
13
25
70.
13
27
1,1
99
08
40
29
69,
88
95
39
5,0
83
30,
11
03
34
86
3,0
12
32
80.
13
15
7,5
98
08
33
11
61,
98
29
12
7,4
84
30,
11
09
93
59
3,0
10
42
90.
03
57
7,8
97
38
66
17
86,
95
78
01
2,7
88
53,
11
08
16
96
6,0
12
7
01.
13
70
2,3
01
42
87
01
75
6,0
12
00,
16
16,
09
14
2,1
10
80
64
55,
01
97
11.
03
33
6,5
01
86
55
21
89
3,9
35
6,1
09
8,3
93
53,
80
83
50
86,
76
31
21.
13
98
4,7
97
15
92
28
49,
57
28
86
9,9
86
67,
11
09
56
89
8,0
19
02
10
02
10.
13
33
9,4
01
75
53
41
65
4,6
17
96
08,
69
66
9,1
10
13
76
20,
11
90
2
89
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
7.3.4elbaT
slliBdetnuocsiDnosetaRtseretnIdethgieWegarevA).a.p%(
:ytirutamyb,sllibtidercelburnosetartseretnI :ytirutamyb,selburnidetanimonedsllibdetnuocsidnosetartseretnI
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1sraey3ot
nahteromsraey3
otpusyad03
ot13syad09
ot19syad081
syad181raey1ot
raey1sraey3ot
nahteromsraey3
1 2 3 4 5 6 7 8 9 01 11 21
0002
yraunaJ 6.11 1.41 7.6 5.71 7.9 0.1 8.73 7.54 4.82 1.91 5.8 8.4
yraurbeF 8.11 8.11 9.01 5.11 9.21 2.1 6.52 8.43 5.82 4.91 7.41 9.51
hcraM 7.5 3.8 7.9 2.41 6.11 1.1 2.14 0.24 6.13 9.12 2.71 4.21
lirpA 5.8 3.6 5.6 6.01 4.01 0.1 7.92 6.83 5.23 9.91 7.21 2.51
yaM 5.9 9.9 5.01 9.21 7.7 0.1 1.62 9.14 3.23 3.82 7.51 3.11
enuJ 4.01 0.01 4.1 7.0 3.01 0.1 6.6 0.92 6.22 0.91 3.31 0.31
yluJ 8.11 1.01 0.11 9.51 7.9 0.1 2.14 9.72 7.22 6.91 9.12 5.6
tsuguA 4.8 7.01 2.4 7.5 9.7 1.1 5.32 6.82 0.02 3.12 3.91 9.9
rebmetpeS 1.31 3.9 1.9 4.1 6.11 0.1 6.53 9.24 2.22 3.52 3.81 5.8
rebotcO 5.8 2.3 7.01 1.2 3.9 0.1 0.92 9.22 1.42 4.22 8.01 1.01
rebmevoN 4.8 0.4 3.8 7.8 1.01 1.1 4.23 3.42 3.12 1.91 3.51 9.7
rebmeceD 3.8 0.11 1.31 1.5 2.6 9.0 9.32 3.92 6.32 5.61 7.8 2.8
1002
yraunaJ 1.21 3.11 7.41 8.4 7.1 0.1 4.52 7.13 5.32 7.51 6.9 6.9
90BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
).a.
p%(
:ytirut
am
yb
,sllib
tid
ercr
allo
DS
Un
os
etar
tser
etnI
:ytirut
am
yb
,srall
od
SU
nid
eta
nim
on
ed
sllib
det
nu
ocsid
no
set
arts
eret
nI
otp
usy
ad
03
ot1
3sy
ad
09
ot1
9sy
ad
08
1sy
ad
18
1r
aey
1ot
ra
ey1
sra
ey3
otn
aht
ero
msr
aey
3ot
pu
sya
d0
3ot
13
sya
d0
9ot
19
sya
d0
81
sya
d1
81
ra
ey1
otr
aey
1sr
aey
3ot
na
hter
om
sra
ey3
31
41
51
61
71
81
91
02
12
22
32
42
00
02
yra
un
aJ6.
7—
—1.
0—
—8.
49.
90.
01
0.6
29.
3—
yra
urb
eF
——
——
0.3
—0.
12
3.7
4.7
2.6
2.2
—
hcra
M—
—0.
42
——
—3.
44
4.9
1.7
0.4
19.
6—
lirp
A—
——
——
—6.
11
6.8
0.7
13.
08.
4—
ya
M—
—6.
3—
——
7.7
33.
93.
48.
00.
2—
en
uJ—
——
0.4
0.0
2—
7.6
8.9
8.7
5.0
7.0
—
yluJ
0.5
10.
33
4.9
1—
——
1.3
17.
90.
97.
35.
21
3.0
tsu
gu
A—
——
——
—2.
01
7.9
0.2
—0.
67.
2
re
bm
etp
eS
0.0
1—
——
——
3.7
8.9
4.0
18.
01
5.3
13.
21
re
botc
O—
——
——
—6.
96.
60.
12.
02.
00.
6
re
bm
evo
N6.
74
4.8
4—
——
—9.
12.
41
1.2
5.1
3.0
7.4
re
bm
ece
D—
0.6
——
——
2.4
3.0
10.
95.
15.
71.
0
10
02
yra
un
aJ—
—0.
9—
——
4.5
9.6
3.9
18.
31
2.3
10.
51
91
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (9
4)
4.4elbaT
sevitavireDlaicnaniFnoseitilibaiLdnasmialC’snoitutitsnItiderC)selburnoillim(
sdnufdetanimoned-elburfoyrevilednosmialC yreviledegnahcxengierofnosmialC slatemsuoicerpfoyrevilednosmialC seitirucesfoyrevilednosmialC
latoT:smrethtiwesohthcihwfo
latoT:smrethtiwesohthcihwfo
latoT:smrethtiwesohthcihwfo
latoT:smrethtiwesohthcihwfo
ot2syad03
ot13syad09
nahteromsyad19
ot2syad03
ot13syad09
nahteromsyad19
ot2syad03
ot13syad09
nahteromsyad19
ot2syad03
ot13syad09
nahteromsyad19
1 2 3 4 5 6 7 8 9 01 11 21 31 41 51 61
9991
21.13 816,17 033,5 881,1 588,1 281,733 003,21 830,1 307,2 490,6 612 76 377 906,3 018,1 921,1 836
0002
10.13 389,86 897,1 427,1 272,1 968,233 196,4 699 496,2 709,8 527 46 240,2 871,3 894,1 218 866
20.92 470,96 461,4 944 839 569,333 442,8 949,1 943,1 101,01 796 58 952,2 158,4 121,2 209 857
30.13 126,17 126,2 044 504,2 343,913 682,6 187 973,1 276,01 973 021 872,2 793,6 858,4 441 044
40.03 592,67 234,2 692 538,5 127,313 981,6 297 358,1 952,11 672 601 326,2 836,4 482,3 821 115
50.13 370,97 155,1 114 747,5 806,803 767,3 083 765,1 003,02 735 92 924,3 709,2 787,1 971 035
60.03 585,97 707,1 690,2 153,6 785,403 615,01 191,1 158,1 175,02 181 971 468,2 718,2 067,1 902 825
70.13 745,96 896,1 738,2 651,5 590,162 148,6 728 428,1 919,81 392 293 517,2 746,5 197,3 274 113
80.13 480,56 834,2 595,2 769,4 071,052 018,31 839,1 116 063,61 402 731,1 817 530,5 473,3 624 033
90.03 536,36 950,3 896,1 110,5 403,242 770,6 557,1 121,1 757,41 725 380,1 336 754,6 723,5 151 013
01.13 642,26 057,1 987,2 414,3 925,042 921,3 677,1 710,1 244,31 420,1 389 704 121,3 576,1 262 476
11.03 703,16 421,3 152,1 920,7 508,322 897,4 335 370,1 089,51 881,1 273 312 995,5 919,3 431 776
21.13 377,75 163,3 914 608,6 006,812 836,4 425 969 325,51 643 854 412 914,5 036,3 372 737
1002
10.13 634,85 331,2 025 385,6 275,812 581,5 821 320,1 731,91 203 544 233 187,6 351,4 690,1 652
92BULLETIN OF BANKING STATISTICS № 3 (94)
.tn
oC
)sel
bur
noilli
m(
sn
oitar
ep
oO
PE
Resr
ever
nies
ahcr
up
ers
eitiruc
esn
os
mial
Cd
nuf
det
ani
mo
ne
d-el
bur
fo
yrevil
ed
no
seitili
baiL
gn
ahcx
en
gier
off
oyr
evile
dn
os
eitilib
aiL
lat
oT
:smr
ethti
wes
oht
hcih
wf
ol
ato
T:s
mret
htiw
eso
hthci
hw
fo
lat
oT
:smr
ethti
wes
oht
hcih
wf
o
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
71
81
91
02
12
22
32
42
52
62
72
82
99
91
21.
13
93
0,3
69
30
42
69
88
58,
98
61
1,6
03
4,1
93
5,2
13
8,0
62
52
2,2
11
18,
18
04,
2
00
02
10.
13
60
5,4
74
59
91
06
89
10,
48
41
7,1
84
1,1
29
1,3
43
5,7
62
47
9,4
52
3,2
00
8,1
20.
92
67
0,4
25
32
51
52
93
35,
48
42
4,2
05
46
15,
20
98,
96
23
45,
81
24,
15
05,
1
30.
13
22
3,2
68
23
58
17
69
9,6
87
36,
11
27
80
4,3
09
8,5
62
53
6,8
16
69
16,
1
40.
03
48
6,4
79
77
61
34
90
10,
78
87
4,2
56
49
06,
53
45,
76
23
35,
87
86
50
5,2
50.
13
37
4,4
66
0,2
92
21
09
29
4,5
96
44,
12
32
57
3,6
16
9,8
52
93
0,4
82
15
64,
2
60.
03
17
9,3
03
6,1
36
10
08
34
2,3
93
92,
10
94
25
7,5
87
1,1
62
82
5,0
19
37
79
1,4
70.
13
11
0,1
25
78
10
13
28
22
9,3
89
22,
18
18
06
3,4
35
2,2
12
23
5,6
94
66
19,
3
80.
13
99
0,1
23
76
89
21
28
24
4,8
78
51,
29
62,
24
65,
24
85,
30
20
10,
41
09
6,1
50
1,3
90.
03
36
0,8
12
25
41
26
48
60
3,5
79
96,
11
40,
29
14,
27
97,
39
16
10,
77
15,
15
05,
3
01.
13
04
3,5
16
47
70
18
38
89
1,4
74
51,
12
99,
14
04,
12
15,
98
17
52,
38
57,
12
10,
3
11.
03
89
8,3
17
34,
14
56
24
85
62,
27
78
4,2
29
55
14,
25
55,
67
19
53,
66
91
80
6,6
21.
13
88
2,6
27
93,
18
93
35
82
28,
07
54
3,3
85
72
27,
21
85,
07
17
08,
44
74
53
8,6
10
02
10.
13
48
4,2
29
73,
16
73
05
83
50,
37
95
9,1
58
98
59,
10
13,
96
16
49,
42
68
28
3,6
93BULLETIN OF BANKING STATISTICS № 3 (94)
dn
E
)sel
bur
noilli
m(
slat
em
su
oicer
pf
oyr
evile
dn
os
eitilib
aiLeitir
uces
fo
yrevil
ed
no
seitili
baiL
OP
ER
esrev
erni
seitir
uces
fo
elas
ern
os
eitilib
aiLs
noitc
asn
art
lat
oT
:smr
ethti
wes
oht
hcih
wf
ol
ato
T:s
mret
htiw
eso
hthci
hw
fo
lat
oT
:smr
ethti
wes
oht
hcih
wf
o
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
ot2
sya
d0
3ot
13
sya
d0
9n
aht
ero
msy
ad
19
92
03
13
23
33
43
53
63
73
83
93
04
99
91
21.
13
45
0,1
36
43
52
01
10
7,2
33
75
30
63,
14
12,
38
83
04
20
80,
1
00
02
10.
13
85
2,1
04
63
43
51
92
9,3
45
3,1
80
63,
12
86,
40
35
99
14
50,
1
20.
92
06
6,2
17
6,1
31
18
34
52
3,5
07
3,2
45
3,1
59
23
12,
44
43
84
13
90,
1
30.
13
51
1,2
04
21
30
39
58
4,5
81
6,3
18
70
94
44,
22
82
35
54
8
40.
03
73
2,8
94
23
17
20,
45
84,
28
33,
15
99
03
26
8,4
59
77
61
22
1,1
50.
13
07
5,0
19
81
36
26
49,
35
50,
39
89,
16
33
60
17
46,
46
60,
29
22
77
0,1
60.
03
15
9,0
12
07
58
8,1
44
6,2
35
3,3
64
5,1
39
47
56
74
1,4
43
6,1
36
13
79
70.
13
17
2,0
18
80,
14
65,
23
25,
16
70,
67
96,
39
84
46
60
12,
12
57
81
01
73
0,1
80.
13
79
3,8
04
79
22,
18
60,
29
05,
45
69,
27
69
54
29
2,1
26
56
89
22
30,
1
90.
03
69
5,7
61
4,1
03
35
59,
16
55,
65
68,
40
68
54
37
2,8
12
25
62
24
40,
1
01.
13
08
3,6
31
67
04,
14
77
37
1,4
24
5,2
91
76
87
74,
51
74
74
01
17
9
11.
03
22
5,7
54
79
70,
11
37
52
2,5
16
4,3
20
40
11
76
9,3
10
14,
14
56
35
9
21.
13
21
7,5
31
68
53
72
58
3,4
21
2,3
10
46
85
83,
62
68
3,1
00
41
69
10
02
10.
13
56
3,8
72
82
66
25
91
2,6
70
1,4
58
14
30
55,
22
35
3,1
67
33
69
94BULLETIN OF BANKING STATISTICS № 3 (94)
Table 1.1Macroeconomic Indicators
General Provisions
The “Macroeconomic Indicators” table containsmajor (indicative) indicators characterizing thecountry’s macroeconomic situation.
Individual Indicators Highlights
Gross domestic product (GDP) — end resultof resident producers’ economic operations for thereporting period.
The GDP can be calculated on the basis of threemethods: production method, end use method, andincome distribution method.
The table presents GDP calculated by produc-tion method as a difference between overall outputof goods and services across the country, on the onehand, and intermediate consumption, on the other,or as a sum total of values added that are created bythe economy.
Depending on the research area, GDP can bealso calculated by end use method as a sum total ofcosts across all economic sectors for final consump-tion, gross capital formation, and net export. Theframework for SNA calculations implies the use ofincome distribution method for compiling GDP whichreflects primary income received by units directlyinvolved in production, as well as by general govern-ment (spending units) and nonprofit organizationsserving households.
Pursuant to Procedures for developing and sub-mitting data on the gross domestic product (ap-proved on 19 October 1998), since October 1998GDP has been calculated by Goskomstat with anannual and quarterly frequency.
Collecting more reliable data and applying newinformation sources can entail updates of GDP’scurrent statistical estimates.
GDP estimates and final results of its calculationsare released by Goskomstat in due course inGoskomstat’s regular reports “Russia’s Socio—Eco-nomic Situation”, “Statistical Review” Bulletin, otherpublications, as well as in the IMF statistical publica-tion “International Financial Statistics”.
For more details on the compilation of the “GrossDomestic Product” indicator see the first issue of“Methodological Provisions on Statistics” (Moscow:Logos, 1996).
Percentage GDP against the previous year’srelevant period is calculated by the RF Committeeon Statistics (Goskomstat of Russia) in comparableprices for the previous year.
Percentage output of basic industries’ pro-duction and services to the previous year’s rel-evant period — since October 1998 is calculated by
Goskomstat on the monthly basis for measuringmajor economic development tendencies as the in-dex of production output change by five basic indus-tries (manufacturing, agriculture, construction,transport, trade, and public catering) covering ap-proximately 70% of an overall production and ser-vices output across Russia.
The Federal budget deficit to gross domesticproduct percentage is calculated by the CBR as apercentage ratio of the federal budget deficit to thegross domestic product for a corresponding period.
Sources for calculating the said indicator areGoskomstat’s data on gross domestic product andthe RF Finance Ministry report data on the federalbudget performance.
Consumer price index (CPI) — one of the mostimportant indicators characterizing inflation rate.CPI reflects a change in time of the overall level ofprices of goods and services purchased by house-holds for nonproduction use. This index is calcu-lated by Goskomstat as a ratio of cost for a fixed setof goods and services in the current period to its costin the previous (base) period.
CPI monthly data are released in Goskomstat’sregular reports “Russia’s Socio—Economic Situa-tion”, “Statistical Review” Bulletin, other publica-tions by Goskomstat, as well as in the IMF “Interna-tional Financial Statistics”.
For more details on compiling this indicator seethe first issue of “Methodological Provisions on Sta-tistics” (Moscow: Logos, 1996).
Table 1.2Individual Indicators Featuring
the Fiscal Sphere
General Provisions
The “Individual Indicators Featuring the FiscalSphere” table comprises information on accumu-lated financial resources and expenditures made inthe Russian Federation budgetary sphere, and alsoshows apportionment of the consolidated budgetaryrevenues and expenditures between the revenuesand expenditures of the federal budget and consoli-dated regional budgets in the Russian Federation.
The table’s structure has been developed on thebasis of the Russian Federation budgetary classifi-cation.
Individual Indicators Highlights
Budgetary revenues — money received on anirrevocable basis as grants in compliance with theRussian Federation laws to the discretion of theRussian Federation government authorities, gov-
Section 1. Major Macroeconomic and Monetary Indicators
5. SUMMARY METHODOLOGY
95BULLETIN OF BANKING STATISTICS № 3 (94)
ernment authorities in the Russian Federation mem-ber territories, and local governments. Budget rev-enues are formed through tax and nontax receipts,and grants.
Tax receipts — incorporate federal, regional, andlocal taxes and fees as well as fines and penaltiesenvisaged by the Russian Federation tax law.
Nontax revenues include: revenues from the useof government or municipal property; revenues fromselling or any other revocable divestiture of govern-ment or municipal property; receipts from paid ser-vices rendered by relevant government authorities,by local authorities, and by spending units reportingrespectively to federal executive authorities, to theRussian Federation member territories, local au-thorities, funds received as a result of the enforce-ment of civil-law and administrative penalties andcriminal persecution, including confiscation and re-dress, and also funds received as compensation forthe damage done to the Russian Federation and itsconstituent territories and municipalities and otherconfiscated funds; revenues in the form of financialaid and budgetary loans received from the budgetsof other levels of the Russian budgetary system;other tax revenues.
Budgetary expenditures — funds transferredto finance the government and local authorities’purposes and functions.
Budget deficit/surplus — excess of budgetaryexpenditures over its revenues/excess of budgetaryrevenues over its expenditures.
Indicators in this table are calculated on a monthlybasis by the Russian Federation Finance Ministry.
More detailed information on the federal budgetdeficit is released in the “Sources of Funding theFederal Budget Deficit” table.
Table 1.3Sources of Funding the Federal
Budget Deficit
General Provisions
The “Sources of Funding the Federal BudgetDeficit” table shows amounts and a breakdown ofsources for funding the federal budget deficit on acash basis (raising funds — repaying the principaldebt).
The table incorporates major sources of cover-ing the federal budget deficit. Their grouping was
based on the budgetary classification approved byfederal law.
All indicators in the table are calculated by theRussian Federation Finance Ministry on a monthlybasis.
Table 1.4The Russian Federation
Balance of Payments
General Provisions
Balance of payments of the Russian Federation(thereafter referred to as balance of payments) is astatistical statement, which reflects all economictransactions between the Russian Federation resi-dents and non-residents1 within a reporting period.
The table “Russian Federation Balance of Pay-ments” is compiled and published by the CBR on aquarterly basis.
Balance of payments data are one of the majorinstruments used for elaborating the country’s mac-roeconomic policies, namely: foreign trade policy,foreign exchange regulation and control, exchangerate policy.
Balance of payments is compiled by the CBRbased on the Law “On the Central Bank of the Rus-sian Federation (Bank of Russia)” dated 26 April1995 and the Russian Federation Government Or-der No. 849 dated 18 July 1994. The InternationalMonetary Fund’s fifth edition of the “Balance of Pay-ments Manual” serves as a methodological basis forthe balance of payments.
Information sources comprise reported data andestimates on all foreign economic transactions madeby Russian residents. These data are regulary ob-tained by the CBR from the Russia’s Finance Minis-try (Minfin); State Customs Committee (SCC); StateStatistics Committee (Goskomstat); Federation,National & Migration Policies Ministry (Minfedera-tion); Federal Border Patrol Service, Defense Minis-try; Emergencies Ministry, as well as from creditinstitutions and nonfinancial institutions.
A specific list of report forms applied when com-piling the balance of payments and other informationis given in special issues of the “Bank of Russia Bulle-tin” that contain more detailed data on the balance ofpayments as of the reporting period and methodol-ogy for compilation (e.g., see “Bank of Russia Bulle-tin” No. 24—25 (452—453) dated 15.05.2000).
1 Economic transaction is defined as an economic flow that reflects the creation, transformation, exchange, transfer or extinctionof economic value and involves changes in ownership of goods and/or financial assets, or the provision of labour and capital.Residents of a country incorporate all the institutional units, whose center of economic interest is located within the economicterritory. All the other institutional units are regarded as non-residents.Institutional unit is an economic unit, which can own assets, assume liabilities, implement entire spectrum of economic transactionsfrom its behalf. Treated as such units are individuals and legal entities, enterprises and organisations.The economic territory of a country consists of the geographic territory (including free zones) administered by a government; withinthis territory, persons, goods and capital circulate freely.An institutional unit has a center of economic interest within the country’s economic territory, on which the unit engages and intendsto continue engaging in economic activities and transactions on a significant scale.
96BULLETIN OF BANKING STATISTICS № 3 (94)
The table published in the “Bulletin of BankingStatistics” is an analytical presentation of the bal-ance of payments. In contrast with neutral presenta-tion prescribed by international standards, the ana-lytical presentation makes it possible to encompassthe economy’s specifics and to group data in such away that provides the best coverage of the mostsignificant transactions (in particular, based on thebalance of payments’ financial account it is possibleto track, firstly, total financial resources contractedfrom non-residents which is treated as net incre-ment in total foreign liabilities or investments into theRussian economy, and secondly, net increment inRussian residents’ foreign assets, or net capital flightabroad; classification of assets and liabilities by theRussian economic sector helps assess implicationsof a particular sector’s transactions for the country’sbalance of payments, etc.).
Balance of payments data as of previous yearsare subject to revision mainly because of the primarydata base updates (e.g., the SCC makes quarterlyupdates of its previously released data). These revi-sions are also attributable to the emergence of newinformation sources and improvements in method-ologies for calculating individual indicators. Such anapproach guarantees to all users of balance of pay-ments statistics an access to the most complete setof data that meets a comparability criterion.
Balance of payments data as of the reportingperiod are placed on the CBR Internet web site andare published in the “Bank of Russia Bulletin”,“Vestnik Banka Rossii”, in mass media (“RossiyskayaGazeta”, etc.), and in the IMF’s “International Finan-cial Statistics” and “Balance of Payments StatisticsYearbook”.
Individual Indicators Highlights
1. Current account includes transactions withgoods, services, income, and current transfers.
1.1. Goods. Recorded in this item is cost ofgoods, ownership of which was transferred within areporting period from residents to non-residents(export) and from non-residents to residents (im-port) between residents and non-residents. Apartfrom export and import of goods registered by StateCustoms Committee (SCC), the item involves thefollowing transactions in commodity exports andimports unregistered by SCC: exports/imports ofgoods sold (acquired) without crossing the frontier;exports of goods procured by in ports by carriers;transferred for repairs; exported/imported by mi-grants; undeclared and/or inadequately declaredwhen imported by legal entities; exported/importedby individuals for the subsequent selling; othergoods.
Exports and imports are given in FOB prices (FOBis the term for selling goods which implies that theprice of goods includes its cost as well as its freightand delivery costs on board the ship in the port ofdeparture).
1.2. Services — Services performed by resi-dents for non-residents (export) and by non-resi-dents for residents (import), namely: — transporta-tion, travel, communications, construction, finan-cial services, insurance services, computer and in-formation services, royalties and license fees, finan-cial leasing and other services.
1.3. Investment income and compensationof employees balance — Income on productionfactors (labour, capital) provided by residents tonon-residents and vice versa.
The item “compensation of employees” showsremuneration to employees paid by and compensa-tion paid by residents to non-residents employed inthe Russian economy.
Recorded in the item “Investment income” areincomes derived from a resident’s ownership of for-eign financial assets, i.e. receipts paid by non-resi-dents to residents on holdings of foreign assets(interest, dividends and other similar types of in-come) and vice versa.
1.4. Current transfers. A transfer is an eco-nomic transaction resulting in provision of a com-modity, service, asset and ownership accomplishedby one institutional unit for another without any coun-terparts of a commodity, service, asset and owner-ship being received in return. Transfers are subdi-vided into current transfers and capital transfers.The transfers that can’t be regarded as capital inaccordance with the definition are treated as currenttransfers (for definition of capital transfers see para-graph 2.1.1). Recorded as current transfers are thoseaugmenting disposable income and potential powerof a recipient country’s consumption and reducingdisposable income of a donor country’s (e.g., hu-manitarian aid in form of consumer goods and ser-vices).
2. Capital and financial account includes twomajor categories: capital account and financial ac-count.
2.1. Capital account reflects capital transfers.2.1.1. Capital transfers — Result in changes in
volume of recipient and donor’s assets and liabili-ties, (e.g., provision of ownership fixed capital, debtforgiveness without a quid pro quo, debt forgive-ness). A provision of funds is treated as a capitaltransfer only in case the funds are assigned foracquisition of fixed assets, and capital construction.Another feature of capital transfers is their signifi-cant volume and irregular character.
2.2. Financial account. Recorded under thiscategory are transactions in assets and liabilitiesaccomplished by residents vis-а-vis non-residents.Assets and liabilities are classified functionally. Itemsincluded here are direct investment, portfolio in-vestment, other investment, and reserve assets.
2.2.1. Direct investment — is the category ofinternational investment that is performed by a resi-dent entity of one economy for the purpose of ob-taining a lasting interest in an enterprise resident in
97BULLETIN OF BANKING STATISTICS № 3 (94)
another economy. The lasting interest implies theexistence of a long-term relationship between thedirect investor and the enterprise, and a significantdegree of influence by the investor on the manage-ment of the enterprise. Direct investment comprisesnot only the initial transaction establishing the rela-tionship between the investor and the enterprise butalso all subsequent transactions between them. Ac-cording to the internationally approved definition ofdirect investment developed by the OECD, investedcapital can be regarded as direct investment when adirect investor owns 10 percent or more of the ordi-nary shares of an enterprise.
2.2.2. Portfolio investment. Portfolio invest-ment includes, in addition to equity securities anddebt securities in the form of bonds and notes, moneymarket instruments and financial derivatives. Ex-cluded are aforementioned instruments included inthe categories of direct investment and reserve as-sets.
2.2.3. Other investment. All financial transac-tions not covered in direct investment, portfolio in-vestment, and reserve assets, are classified under“other investment” item. Assets and liabilities forother investment are classified primarily on an in-strument basis: currency and deposits; trade cred-its; loans; arrears; other assets and liabilities.
2.2.4. Reserve assets comprise monetary goldand liquid foreign assets of the Bank of Russia andGovernment of the Russian Federation. They in-clude cash foreign exchange, correspondent ac-count balances, current accounts and short-termdeposits with non-resident banks (and also with resi-dent banks up to the 3rd quarter of 1999), liquidsecurities issued by foreign governments, assetswith the IMF (Special drawing rights (SDRs), reserveposition in the Fund) and other liquid assets.
2.2.5. The adjustment to reserve assets. Theitem “Adjustment to reserve assets” was introducedfor the purpose of reconciliation of balance of pay-ments and international investment position datathat are prepared in accordance with the 5th Editionof IMF’s Balance of Payments Manual, on the onehand, and international reserves data, which havenational peculiarities, on the other. The methodol-ogy of compilation of official reserves statistics hasthe following differences from the one contained inthe Manual:— up to the 3rd quarter, 1999 short-term foreign
currency deposits in resident banks were in-cluded in the international reserves;
— started from the 3rd quarter, 1999 reserve assetsare determined net of counterpart of foreign ex-change funds placed on the resident banks’ ac-counts with the Bank of Russia (excluding fundsextended by the Bank of Russia for the servicingof official foreign debt).2.3. Net errors and omissions. Labeled by
some compilers as balancing item or statistical dis-crepancy, this item is intended as an offset to the
overstatement or understatement of the compo-nents recorded in the balance of payments.
Table 1.5The Russian Federation Banking Sector’s
International Investment Position
General Provisions
IInternational investment position (IIP) is a statis-tical statement which contains data on a country’sforeign assets and liabilities at the beginning or endof reporting period and also all other changes thatoccurred within the reporting period as a result oftransactions, changes due to revaluation and otherchanges.
The CBR is currently compiling the Russia’s Bank-ing Sector International Investment Position whichcomprises the Bank of Russia and credit institutions,including Vnesheconombank (net of the assets andliabilities managed by VEB as an agent of the Gov-ernment of Russia).
Data sources used for IIP compilation are asfollows: CBR accounting and operational data; in-formation on foreign transactions collected fromauthorised credit institutions and VEB. In addition,the reserve assets comprise assets of the Minfinused by the latter to implement the monetary au-thority functions.
Methodological basis for IIP compilation is the 5th
Edition of the IMF’s Balance of Payments Manual(1993).
Information provided by the banking sector’s in-ternational investment position has significant im-portance in analyzing stability of the economy’s ex-ternal sector and state of the economy on the whole.
“Assets” section of the table contains data on theamount of foreign claims held by the banking sectorof Russia at the beginning or end of reporting period,composition of the foreign claims and level of theirliquidity. Based on the data available, it is possible toidentify the factors that caused changes in assetsduring the reporting period.
One of the most important components of for-eign assets are official international reserves whichconstitute short-term highly-liquid foreign assets ofthe CBR and MOF. Reserve assets are used to main-tain steadiness of national currency and service thegovernment debt to non-residents.
Consequently, data contained in the “Liabilities”section make it possible to evaluate size of the for-eign liabilities which the banking sector accumu-lated at the beginning or end of reporting period,and composition of those liabilities. Besides, data inthis section reveal major motives, due to whichchanges in liabilities occurred within the reportingperiod.
Depending on whether the net banking sector’sinternational investment position is positive or nega-
98BULLETIN OF BANKING STATISTICS № 3 (94)
tive, this sector can be regarded as a “net creditor”or “net debtor” vis-а-vis non-residents.
Individual Indicators Highlights
Foreign assets and liabilities of the banking sec-tor at a specific date are the major classificationgroupings presented in rows of the table, which incase of being netted result in the net internationalinvestment position. The components singled out inthe table’s rows are identical to those in the financialaccount of balance of payments, namely direct in-vestment, portfolio investment, other investment,reserve assets and adjustment to reserve assets.More detailed information on those components isgiven in the comment to Table 1.4.
Columns of the table reflect Russian residents’foreign assets/liabilities at the beginning or end ofreporting period; it also contains information onchanges in foreign assets/liabilities in the break-down specified below.
Changes due to transactions — only those netchanges in foreign assets/liabilities of the bankingsector of Russia can be recorded here which tookplace due to transactions in these assets/liabilities.Those transactions are reflected in the financial ac-count of Russia’s balance of payments.
Changes due to revaluation and otherchanges reflect changes (on a net basis), which arenot regarded as transactions and, therefore, ex-cluded from the balance of payments of Russia.Changes due to revaluation cover net changes inassets/liabilities that result from exchange rate andprice changes, besides, other changes include allother changes in assets/liabilities (on a net basis)caused by reclassification (e.g., a transition fromportfolio investment to direct investment followingan increase of investor’s share in the equity capitalof an enterprise); unilateral write-offs of debts by acreditor; write-offs as a result of reconciliation; otherchanges (e.g., among included here are assets andliabilities of credit institutions of Russia, whose li-cences to carry out banking activities were revokedwithin a reporting period).
Total changes — aggregate sum of net changesin assets/liabilities due to transactions, revaluationand other changes.
Table 1.6The Russian Federation Merchandise
Trade (Based on the Balance of PaymentsMethodology)
General Provisions
“The Russian Federation Merchandise Trade”includes monthly data on merchandise trade of theRussian Federation broken down by the Common-wealth of Independent States (CIS) and other coun-tries. Data are in millions of U.S. dollars and valued at
f.o.b. prices (definition of f.o.b. price is provided incommentary for “Goods” in “Balance of Payments”section).
Data of “The Russian Federation MerchandiseTrade” are included in current account of balance ofpayments and are compiled in accordance with themethodological principles of the 5th edition of theIMF’s Balance of Payments Manual.
Sources of information for merchandise tradedata are the following:— data on goods recorded by the Russian Federa-
tion State Customs Committee (SCC);— data on goods unrecorded by SCC and provided
by the State Committee of the Russian Federa-tion on Statistics (Goscomstat of Russia);
— administrative information of the Ministry on theAffaires of Federation, Nationalities and Migra-tion Policy of the Russian Federation used formigrants effects estimation;
— partner country data on selected items.Data on merchandise trade are published in
Vestnik Banka Rossii and located on the CBR Internetweb site.
Individual Indicators Highlights
Exports of Goods (balance of payments meth-odology) — merchandise shipped out of the cus-toms territory of the Russian Federation recorded bySCC in accordance with the general system. Also,goods not registered by SCC: goods sold to nonresi-dents without crossing Russia‘s customs border;goods procured by foreign carriers in Russian ports;goods taken out by migrants; goods taken out byindividuals for sale abroad; and other goods.
Imports of Goods (balance of payments meth-odology) — goods brought into the country and re-corded by SCC in accordance with the general sys-tem; goods not registered by SCC: goods acquiredfrom nonresidents without crossing Russia‘s cus-toms border; goods procured by Russian carriers inforeign ports; goods brought in by migrants; goodspurchased by individuals abroad for sale in Russia;goods undeclared and/or inadequately declaredwhen imported by legal entities; and other goods.
Trade balance is defined as difference betweenexports and imports.
Table 1.7Gross International Reserves
General Provisions
International reserves include highly liquid finan-cial assets held by the Bank of Russia and the Minfinof Russia (MOF) and readily available for direct fi-nancing of Russia’s payments imbalances.
International reserves are calculated on the ba-sis of the CBR accounting and operational informa-tion, and data obtained from the MOF.
99BULLETIN OF BANKING STATISTICS № 3 (94)
When developing international reserves data, theCBR is guided by the definition of gold and forexgross reserves which largely complies with the defi-nition of this category available in the IMF “Balanceof Payments Manual” fifth edition.
Data on international reserves are published on aregular basis in the weekly “Bank of Russia Bulletin”,the IMF statistical publication “International Finan-cial Statistics”, as well as are placed on the CBRInternet web site (published are monthly and weeklydata on the international reserves of the RussianFederation).
Individual Indicators Highlights
The international reserves comprise monetarygold, special drawing rights (SDRs), reserve posi-tion in the IMF, and foreign exchange.
Monetary gold is valued at US$300 per Troyounce. Gold placed on unallocated “metal” accountsis covered by the category “foreign exchange”.
SDRs are international reserve assets issued bythe IMF with a view to replenish reserve assets.
The reserve position in the IMF reflects anamount by which Russia’s quota with the IMF ex-ceeds the IMF ruble denominated assets.
The foreign exchange includes foreign cur-rency assets of the Bank of Russia and Minfin ofRussia in the form of currency, reverse repos withnon-residents, bank deposits with non-residentbanks (with minimum rating A by Fitch IBCA andStandard and Poor’s or A2 by Moody’s) as well asgovernment and other securities issued by non-residents with the similar rating. From September 1,1999 an amount equivalent to the foreign exchangebalances in resident banks’ correspondent accountswith the Bank of Russia is deducted from the assetslisted above, except for funds intended for servicingthe government foreign debt and allotted toVneshekonombank by the Bank of Russia.
Analytical Accountsof Monetary Authorities,
Analytical Accounts of Credit Institutionsand Monetary Survey Tables
The tables entitled “Analytical Accounts of Mon-etary Authorities”, “Analytical Accounts of Credit In-stitutions”, and “Monetary Survey” represent ag-gregate indicators featuring the economy’s mon-etary sphere.Methodological basis for constructingthe above indicated tables is a monetary surveyscheme developed by the IMF as a standard analyti-cal presentation of monetary statistics data. Thisscheme stipulates the compilation of major mon-
etary aggregates based on accounting records ontransactions and reserves of the CBR, the RF Fi-nance Ministry, and credit institutions in such a waythat enables to represent monetary liabilities of thespecified organizations, on the one hand, and theirclaims on Russian enterprises, organizations andhouseholds, and the external world, on the other.Such data presentation is used for analyzing moneysupply and its profile as well as relationships be-tween monetary authorities and other sectors of theRussian economy and nonresidents.
Within the term set by the IMF Special Data Dis-semination Standard the CBR Internet web site pub-lishes preliminary data on major indicators from “Ana-lytical Accounts of Monetary Authorities” and “Mon-etary Survey”. Some elements of these are esti-mate—based. Within the quarter (for December datawithin half a year) data can be updated. Final dataare released in the “Bulletin of Banking Statistics”and the IMF statistical publication “International Fi-nancial Statistics”.
Table 1.8Analytical Accounts
of Monetary Authorities
General Provisions
The Bank of Russia’s monthly aggregate bal-ance sheet and the RF Finance Ministry’s flash datareflecting transactions on managing the RussianFederation international reserves are sources of in-formation for compiling the “Analytical Accounts ofMonetary Authorities” table.
Individual Indicators Highlights
Foreign assets — the Russian Federation inter-national reserves (see their content in comments tothe “Gross International Reserves” table) and lessliquid, nonreserve assets. Nonreserve assets in thistable comprise the Bank of Russia’s all other assetsplaced with nonresidents1, namely, assets denomi-nated in currency with limited conversion potentialand in the Russian Federation currency, and alsolong—term credits and deposits in convertible cur-rency, and nonresident banks’ equity interest.
Claims on general government — loans ex-tended to the RF Finance Ministry (Minfin), the RFgovernment’s securities bought by the CBR, exceptfor securities transferred to the CBR by credit insti-tutions on REPO2 terms. In compliance with interna-tional standards on analytical presentation of mon-etary authorities’ statistics, this indicator incorpo-rates the IMF loans extended to Minfin.
1 Definitions of nonresidents and residents for this table and for the “Analytical Accounts of Credit Institutions” and “Monetary Survey”tables correspond to similar definitions in the balance of payments statistics — see comments to the “The Russian Federation Balanceof Payments” table.2 Hereinafter transactions in securities purchased on REPO (from the word “repurchase”) terms shall be treated as deals on the sale(purchase) of securities with the commitment to their eventual repurchase (sale) in a certain period at a previously fixed price.
100BULLETIN OF BANKING STATISTICS № 3 (94)
Claims on nonfinancial public enterprises —credits (including outstanding debt), outstandinginterest on credits extended to nonfinancial govern-ment enterprises1.
Claims on nonfinancial private enterprisesand households — credits (including outstandingdebt), outstanding interest on credits extended tononfinancial nongovernment enterprises, self—em-ployed individuals, and households as well as theBank of Russia’s deposits into securities of privatesector enterprises.
Claims on credit institutions — credit institu-tions’ arrears to the CBR (including loans extendedto banks with revoked licenses and overdue intereston them) and funds extended to credit institutionson REPO terms.
Reserve money — cash issued by the CBR (ex-cluding cash in its vaults), balances on requiredreserves’ accounts deposited by credit institutionswith the CBR, on corresponding accounts, and othercash balances on accounts of credit institutions (in-cluding banks with revoked licenses) with the CBR,credit institutions deposits in the CBR bonds, as wellas demand deposits of nonfinancial enterprises andorganizations serviced in the CBR in compliancewith the effective law.
Money outside banks — cash issued by theCBR excluding cash available in the CBR’s and creditinstitutions’ cash offices.
Time deposits and deposits in foreign cur-rency — time deposits in the Russian Federationcurrency and all deposits in foreign currency of non-financial enterprises and organizations serviced bythe CBR in compliance with the effective law.
Foreign liabilities include all types of borrow-ings by the CBR from nonresidents (credits, depos-its, nonresident banks’ correspondent accounts withthe CBR, etc.) as well as IMF loans extended toMinfin and the CBR.
General government’s deposits — balanceson accounts of the federal budget, the Russian Fed-eration member—territories’ budgets and local bud-gets, deposits and other funds contracted fromMinfin, fiscal authorities in the Russian Federationmember—territories and local authorities, govern-ment extrabudgetary funds and extrabudgetaryfunds of the Russian Federation member—territo-ries and local authorities. Apart from these items,the indicator includes a balancing entry equaling asum total of international reserves administered byMinfin.
Capital accounts include the CBR’s authorizedcapital, supplementary capital, its reserve and otherfunds, and Bank of Russia losses in previous years.
Other items (net) — assets and liabilities bal-ances excluded from the above mentioned aggre-gates that feature transactions in maintaining the
CBR operations (fixed assets items, cost of eco-nomic operations, settlements with organizationsaffiliated with the CBR), as well as interbranch settle-ments balance, deferred revenues and expendi-ture, and some other items.
Table 1.9Analytical Accounts of Credit Institutions
General Provisions
The source of information for compiling the “Ana-lytical Accounts of Credit Institutions” is a balancesheet aggregated on a monthly basis for credit insti-tutions (excluding the branches of the Russian creditinstitutions abroad), balance sheets of the foreignbanks located in the Russian Federation, andVneshekonombank’s selected balance items com-piled based on its commercial transactions (exclud-ing transactions on managing the RF foreign debtmade by Vneshekonombank as the Russian Federa-tion Government’s agent).
Individual Indicators Highlights
Reserves — cash in the Russian Federation cur-rency in the vaults of credit institutions as well ascredit institutions’ funds deposited in the CBR (bal-ances on correspondent accounts, required re-serves, deposits, investments into the CBR bonds,other).
Foreign assets — balances on credit institu-tions’ accounts recording transactions made withnonresidents in foreign currency, the Russian Fed-eration currency and precious metals (balances oncorrespondent accounts; deposits and other fundsplaced in nonresident banks; credits extended tononresident banks, nonresident legal entities andindividuals, debt liabilities, and bills acquired fromforeign governments, banks and other nonresidents,investments into foreign companies’ and banks’shares of stock) as well as foreign currency cash incredit institutions’ vaults.
Claims on general government — credits ex-tended to Minfin, fiscal authorities in the RF mem-ber—territories and to local authorities, to the gov-ernment extrabudgetary funds of the Russian Fed-eration and of the Russian Federation member—territories, securities issued by the Russian Federa-tion Government, the RF member territories, andlocal authorities and held by credit institutions.
Claims on nonfinancial public enterprises —credits (including debt outstanding), deferred inter-est on credits extended to nonfinancial governmententerprises.
Claims on nonfinancial private enterprisesand households — credits (including outstandingdebt), deferred interest on credits extended to non-
1 Hereinafter nonfinancial enterprises and organizations used in the “Bulletin of Banking Statistics” shall be rendered as enterprisesand organizations engaged in marketing goods and services and not referred to the economy’s financial sector.
101BULLETIN OF BANKING STATISTICS № 3 (94)
financial nongovernment enterprises, self—em-ployed individuals and households, as well as creditinstitutions’ investments into securities issued byprivate sector enterprises.
Claims on other financial institutions — fundstransferred to financial (except for credit ones) insti-tution regardless of their type of property and cred-its extended to the said organizations1.
Demand deposits — balances held by the Rus-sian Federation residents (enterprises, organiza-tions, self-employed individuals and households)on checking, current, deposit, and other demandaccounts (including plastic cards payment accounts)opened with credit institutions in the Russian Fed-eration currency.
Time and saving deposits and foreign cur-rency deposits — balances on time deposits andother funds held in the Russian currency and all kindof foreign-currency deposits by the Russian Fed-eration residents (enterprises, organizations, self—employed individuals and households) contractedfor a specific term and kept with credit institutions,and resident clients’ accounts (except for creditinstitutions) in precious metals.
Restricted deposits — amounts on accountswith credit institutions whose owners cannot usethem during a certain period of time due to terms ofcontract or current terms of the credit institution’soperations (for instance, accrued interest on de-posits with yet nondue payment date, clients’ ac-counts reserved for conducting conversion transac-tions and futures transactions in purchase/sale ofhard currency, and some others).
Money market instruments — additional fi-nancial instruments issued by credit institutions andrepresenting similar money substitutes, i.e. bonds,deposit and saving certificates, bills, and bank ac-ceptances circulating outside the banking system.
Foreign liabilities — funds drawn by credit insti-tutions from nonresidents: balances on LORO ac-counts, credits contracted, deposits, and other fundsdenominated in foreign currency, in the RussianFederation currency, and precious metals and con-tracted from nonresident banks, nonresident indi-viduals and legal entities.
General government deposits — balances onaccounts of the federal budget, the Russian Federa-tion member territories’ budgets and local budgets,deposits and other funds drawn by Minfin, financialauthorities of the Russian Federation member terri-tories and local authorities, governmentextrabudgetary funds of the Russian Federationmember—territories and local authorities.
Liabilities to monetary authorities — debt ofoperating credit institutions on the CBR credits (in-cluding debt outstanding and overdue interest) as
well as funds extended by the CBR to credit institu-tions on the REPO terms. In contrast to the “Claimson Credit Institutions” aggregate represented in the“Analytical Accounts of Monetary Authorities” table,they do not include the amount of debt referred tocredit institutions with revoked licenses.
Capital accounts — credit institutions’ ownfunds. They include authorized and supplementarycapital, special, provident and other funds formedthrough profits, reserves formed to cover possiblelosses on active transactions, securities, preciousmetals and funds in foreign currency revaluationresults, current-year financial results and profits andlosses of previous years.
Other items (net) — assets and liabilities bal-ances excluded from the above enumerated aggre-gates; they feature transactions among credit insti-tutions and interbank transactions as well as trans-actions related to credit institutions’ logistics opera-tions (fixed assets accounting entries (less depre-ciation), capital investments, and other costs asso-ciated with economic activities, revenues and de-ferred costs), gold and other precious metals re-serves.
Table 1.10Monetary Survey
General Provisions
The “Monetary Survey” table presents results ofconsolidating data shown in the “Analytical Accountsof Monetary Authorities” and “Analytical Accounts ofCredit Institutions” tables (consolidation is madethrough subtracting all mutual claims and liabilitiesbetween credit institutions and the CBR and by add-ing up their transactions in other economic sectorsto nonresidents’ transactions). The table is basedon the data from the CBR monthly balance sheet,balance sheet of operating credit institutions (ex-cluding the branches of the Russian credit institu-tions abroad) aggregated in a monthly basis, bal-ance sheets of the foreign banks located in theRussian Federation, and Vneshekonombank’s se-lected balance items compiled based on its com-mercial operations (excluding its transactions onmanaging the Russian Federation foreign debt whichVneshekonombank makes as the Russian Federa-tion Government’s agent), flash reports by Minfin onadministering international reserves.
Individual Indicators Highlights
Net foreign assets of monetary authoritiesand credit institutions — balances of transactionsin assets and liabilities made by monetary authori-ties and credit institutions with nonresidents in for-
1 List of financial institutions was specified in the “Rules for Accounting in Credit Institutions Located on the Russian FederationTerritory” No. 61 approved by the CBR on 18.06.97; it incorporates investment funds; trust, leasing, and factoring companies; stockand currency exchanges; brokers operating in the stock market; insurance companies, nongovernment pension funds, and a numberof other financial institutions.
102BULLETIN OF BANKING STATISTICS № 3 (94)
eign currency, in the Russian Federation currencyand precious metals.
Domestic credit — totality of the bankingsystem’s claims on government nonfinancial enter-prises, private sector, including households, finan-cial (except for credit ones) institutions and net creditto general government in the Russian Federationcurrency, in foreign currency, and precious metals.
Net credit to general government — the bank-ing system’s claims on Minfin, fiscal authorities inthe Russian Federation member territories and localauthorities, government extrabudgetary funds andextrabudgetary funds in the Russian Federationmember territories and local authorities less depos-its and other investments of the specified organiza-tions into the Russian Federation banking system.
Money — all money supply in the country’seconomy which can be immediately used for makingpayments. This aggregate is compiled as an array ofaggregates “Money Outside Banks” and “DemandDeposits” in the banking system.
Quasimoney — banking system deposits whichcan not be directly used for making payments andare less liquid than “Money”. This includes time de-posits in the Russian Federation currency and alldeposits in foreign currency. An array of the “Money”and “Quasimoney” aggregates form a “BroadMoney” aggregate (money M2 according to themonetary survey methodology).
Other items (net) — sum total of correspondingaggregates in the “Analytical Accounts of MonetaryAuthorities” and “Analytical Accounts of Credit Insti-tutions” tables as well as a sum of differences incredit institutions’ and the CBR data on mutual debt.
Table 1.11Money Supply (National Definition)
General Provisions
The “Money Supply (National Definition)” tableshows volume, profile, and dynamics of money sup-ply, which is one of the major monetary aggregatesused in formulating economic policies and identify-
ing quantitative criteria for macroeconomic propor-tions. Money supply is defined as an array of fundsdenominated in the Russian Federation currencyintended as payments for goods, works, and ser-vices, as well as for savings by nonfinancial enter-prises, organizations, and households which are resi-dents of the Russian Federation.
The source of information for calculating moneysupply is data from monthly aggregate balancesheets of the Russian Federation operating creditinstitutions (also recorded are credit institutions’liabilities for (liabilities balances) to economic trans-actors).
Along with releasing information on the volume,profile, and dynamics of money supply through “Bul-letin of Banking Statistics”, it is also available on theCBR web site in the Internet, as well as in the “Bankof Russia Bulletin”.
Individual Indicators Highlights
Money supply can be identified through two com-ponents.
Cash in circulation (money aggregate M0) —the most liquid part of the money supply accessiblefor immediate use as a payment means; includesbank—notes and coins in circulation (see the “MoneyOutside Bank” indicator in the “Analytical Accountsof Monetary Authorities” table).
Noncash funds include balances of nonfinan-cial enterprises, organizations, self—employed in-dividuals, and households on checking, current,deposit, and other claim accounts (including plasticcards accounts) and term accounts open with creditinstitutions in the Russian Federation currency.
Money supply (M2) is calculated as a sum totalof cash in circulation and noncash funds. The moneysupply in the national definition in contrast to a similarindicator calculated by the monetary survey method-ology (as a sum total of “Money” and “Quasimoney”aggregates — see comments to “Monetary survey”table) does not include deposits in foreign currency.However, it does partially incorporate restricted de-posits singled out as an independent aggregate whencompiling the monetary survey and unrecorded cal-culating money supply aggregates.
103BULLETIN OF BANKING STATISTICS № 3 (94)
Section 2. Major Indicators and Instrumentsof the Bank of Russia Monetary Policy
The CBR major function comprises developmentand conduct of a unified government monetary policyaimed at defending and securing the sustainabilityof the ruble.
To implement the said function, the CBR appliesa set of techniques and methods specified in theFederal Law “On the Russian Federation CentralBank (Bank of Russia)”: interest rates for the CBRtransactions, percentage ratios for required reservesdeposited in the CBR, open market operations, banksrefinancing, foreign exchange regulation, and other.
The present section contains information char-acterizing major areas of the CBR operations as wellas instruments and methods applied for monetaryregulation of the economy.
Table 2.1Bank of Russia Balance Sheet
General Provisions
In compliance with Article 25 of the “On the Rus-sian Federation Central Bank (Bank of Russia)” Fed-eral Law, Bank of Russia monthly publishes its con-solidated (grouped) balance sheet integrating bal-ances across all its institutions and affiliates. Thebalance sheet structure for publication purposes isset by the Bank of Russia Board of Directors. TheCBR balance sheet data are used for different pur-poses including monetary analysis and research,planning and control in monetary policies sphere,application of rules and implementation of decisionson specific uses of monetary policy instruments.
Methodological framework for compiling the CBRaggregate balance sheet is set by the “Rules forAccounting in the Russian Federation Central Bank(Bank of Russia)” on 18.09.97 No. 66. Pursuant tothe specified Rules, the compilation of the aggre-gate balance sheet is exercised through the use ofmajor international accounting standards. (The onlydifference deals with the application of a cash methodof accounting for records of the CBR revenues andexpenditures in compliance with which revenuesand expenditures are entered to relevant accountsafter revenues are actually received and expendi-tures made. International standards prescribe ac-crual basis of accounting which implies recording ofall revenues and expenditures over the reportingyear regardless of actual timing of their execution).
Along with the publication in the monthly “Bulletin ofBanking Statistics”, the Bank of Russia’s balance sheetis included in the “Bank of Russia Annual Report” andit is also placed on the CBR Internet web site.
Individual Indicators Highlights
By assetsPrecious metals — this entry records precious
metals reserves at purchasing price.Foreign currency and securities held by non-
residents — include the CBR balances in rubleequivalent on correspondent accounts with non-resident banks, balances on deposit accounts withnonresident banks, loans extended to nonresidentbanks as well as nonresidents’ securities acquiredby the CBR.
Credits and deposits — include credits ex-tended to and deposits made by the CBR in residentcredit institutions in domestic and foreign curren-cies, for servicing the government foreign debt andto enterprises and organisations serviced by theCBR’s institutions, and settlements on domestic gov-ernment debt of the former USSR.
Securities — record the CBR investments intogovernment securities (excluding liabilities boughton the REPO terms) as well as into shares of stock ofaffiliates and subsidiaries, and banks.
Other assets — incorporate balances on Bankof Russia fixed assets accounts, the Bank’s claimson other operations, investments in securities fromthe Bank of Russia’s additional pension funds, op-erations—related settlements and other Bank of Rus-sia transactions.
By liabilitiesCash in circulation — sum total of the CBR
bank—notes and coins issued for circulation.Funds on accounts with the Bank of Russia —
include cash balances on correspondent, depositaccounts, and required reserves accounts depos-ited by credit institutions with the CBR, accountsbalances with the Russian Federation Central Bankopen for recording budgetary funds of the federalbudget and budgets of republics and lower regionallevels, as well as extrabudgetary funds, and the CBRother clients’ budgets.
Float — record cash flows in settlements onRussia’s territory.
Capital — is formed as a sum of authorizedcapital, supplementary capital, reserve fund, andspecial earmarked funds, with Bank of Russia lossesin 1998 taken into account.
Other liabilities — include balance of deferredincome and expenditure on securities transactions,on credit operations, amounts of Bank of Russiabonds, the IMF loan, provisions and balances onsome other accounts.
104BULLETIN OF BANKING STATISTICS № 3 (94)
Table 2.2Refinancing Rate
General Provisions
The “Refinancing Rate” table presents dynamicsof changes in the refinancing rate since December1995 (more prolonged dynamics of the refinancingrate since 1.01.91 can be found on the CBR web sitein the Internet).
Data on the effective refinancing rate are allo-cated on the CBR web site in the Internet on the nextday after being fixed by the Board of Directors, aredisseminated through the Reuters agency, and pub-lished weekly in the “Bank of Russia Bulletin”.
Individual Indicators Highlights
Refinancing rate — monetary instrument bymeans of which the CBR affects interbank marketrates, and rates on deposits of legal entities andindividuals, and also rates on credits extended tothem by credit institutions. Refinancing rate is one ofthe interest rates used by the CBR for extendingcredits to banks in the form of refinancing.
Table 2.3Credit Institutions’ Fixed Percentage
Ratios in Bank of Russia RequiredReserves
General Provisions
The “Credit Institutions’ Fixed Percentage Ratiosin Bank of Russia Required Reserves” table showsthe dynamics of changes in fixed ratios in requiredreserves by terms and types of legal entities’ andindividuals’ funds denominated in the Russian Fed-eration currency and foreign currency and drawn bycredit institutions.
Data on ratios in required reserves and theirchanges are published by the resolution of the CBRBoard of Directors in the weekly “Bank of RussiaBulletin”. These data are also placed on the CBRInternet web site and disseminated through Reuters.
Individual Indicators Highlights
Required reserves (reserve claims) — one ofthe major instruments of the CBR monetary policy.They represent a mechanism for regulating the bank-ing system’s general liquidity. Reserve requirementsare set with a view of restricting credit institutions’lending facilities and making barriers to unrestrictedgrowth of money supply. Once a credit institution’slicense for banking operations is revoked, its re-quired reserves deposited with the CBR can be usedin accordance with the procedure established byfederal laws and Bank of Russia regulatory rulesissued in compliance with these laws.
Pursuant to Article 38 of the Federal Law “On theRussian Federation Central Bank (Bank of Russia)”,
required reserves in percentage to credit institu-tions’ liabilities as well as the order of depositingthem in Bank of Russia are set by the Bank of RussiaBoard of Directors.
Table 2.4Individual Indicators of the Bank of Russia
Deposit Transactions on the MoneyMarket
General Provisions
The CBR makes deposit transactions in compli-ance with Article 45 of the “On the Russian FederationCentral Bank (Bank of Russia)” Federal Law with aview to regulate the banking system’s liquidity throughdrawing banks’ funds into deposits. Deposit transac-tions are made only with resident banks and denomi-nated in the Russian Federation currency.
The “Individual Indicators of the Bank of RussiaDeposit Transactions on the Money Market” tablecontains indicators on the CBR deposit transactionswith Moscow region banks and regional banks hav-ing Moscow region branches that have signed Gen-eral Agreements on deposit transactions with theBank of Russia: average rates weighted by terms ofattracting deposits and the share of deposits bytypes of transaction in the total volume of attracteddeposits. The data is grouped by the dates of theactual attraction of funds to the deposit. The infor-mation is obtained from the data on the banks’ ac-tual deposit funds supplied by the Bank fo Russia’s1st Operational Department.
More details on terms and procedures of makingdeposit transactions are available in the CBR Provi-sions “On the Bank of Russia Procedures for MakingDeposits with Resident Banks in the Russian Fed-eration Currency” No. 67—P dated 13.01.99.
Along with the “Bulletin of Banking Statistics”,data on the CBR deposit transactions are also avail-able on the CBR Internet web site and on the ReutersCBDEPOS page where flash updates are made.
Individual Indicators Highlights
Overnight — one day deposit transaction (forFriday—made deposit transactions the term coversFriday to Monday including) where funds transfer tothe deposit account with the Bank of Russia is madeon the date of transaction while deposit funds arereflowed and interest is paid on the following dayafter the set date when funds are entered to thedeposit account with the Bank of Russia.
Tom/next — one working day deposit transac-tion (for Thursday—made deposit transactions theterm covers Friday to Monday including) where fundstransfer to the deposit account with the Bank ofRussia is made on the date of transaction whiledeposit funds are reflowed and interest is paid onthe following working day after the set date when
105BULLETIN OF BANKING STATISTICS № 3 (94)
funds are entered to the deposit account with theBank of Russia.
1 week — deposit transaction made for sevencalendar days where transfer to the deposit accountwith the Bank of Russia is made on the date oftransaction while deposit funds are reflowed andinterest is paid on the seventh day after the set datewhen funds are entered to the deposit account withthe Bank of Russia (should the seventh day of thedeposit term be a day off, than on the followingworking day).
2 week — deposit transaction made for fourteencalendar days term where funds transfer to the de-posit account with the Bank of Russia is made on thedate of transaction while deposit amount is reflowedand interest is paid to the bank on the fourteenth dayafter the set date when funds are entered to thedeposit account with the Bank of Russia (should thefourteenth day of the deposit transaction be a dayoff, than on the following working day). The CBR hasbeen engaged in “2 weeks” deposit transactionssince October 8, 1998.
Spotnext — a one business day deposit trans-action (in case the transaction is entered into onWednesday the transaction period lasts from Fridayto Monday inclusive). The funds are transfered tothe deposit account with the Bank of Russia on thesecond business day after the set date the transac-tion has been entered into. The deposit amount andthe interest are repaid on the next business dayfollowing the set date when funds are entered to thedeposit account with the Bank of Russia. The Bankof Russia has been engaged in spotnext deposittransactions starting from August 9, 1999.
Spot/1 week — a 7 calendar day deposit trans-action. The funds are transfered to the deposit ac-count with the Bank of Russia on the second busi-ness day after the transaction has been enteredinto. The deposit amount and the interest are repaidon the seventh business day following after the setdate when funds are entered to the deposit accountwith the Bank of Russia (in case the seventh day ofthe deposit period is a holiday, the deposit amountand the interest are repaid on the next business dayfollowing the holiday). The Bank of Russia has beenengaged in spot/1 week deposit transactions start-ing from August 9, 1999.
Spot/2 weeks — a 14 day deposit transaction.The funds are transfered to the deposit account withthe Bank of Russia on the second business day afterthe transaction has been entered into. The depositamount and the interest are repaid on the fourteenthbusiness day after the set date when funds are en-tered to the deposit account with the Bank of Russia(in case the fourteenth day of the deposit period is aholiday, the deposit amount and the interest arerepaid on the next business day following the holi-day). The Bank of Russia has been engaged inspot/2 week deposit transactions starting from Au-gust 9, 1999.
1 month — a one month deposit transaction. Thefunds are transfered to the deposit account with theBank of Russia on the day the transaction has beenentered into. The deposit amount and the interestare repaid after a one month period on the datesimilar to the one when the funds have beentransfered to the deposit account with the Bank ofRussia (in case the deposit period expires on a holi-day, the deposit amount and the interest are repaidon the next business day following the holiday). TheBank of Russia has been engaged in one monthdeposit transactions starting from March 24, 1999.From February 24 to March 23, 1999, the Bank ofRussia attracted deposits for a term of 30 days.
3 months — a three month deposit transaction.The funds are transfered to the deposit account withthe Bank of Russia on the day the transaction hasbeen entered into. The deposit amount and the in-terest are paid back after a three month period at thesimilar date on which the funds have been transferedto the deposit account with the Bank of Russia (incase the deposit period expires on a holiday, thedeposit amount and the interest are repaid on thenext business day following the holiday). The Bankof Russia has been engaged in three month deposittransactions starting from March 24, 1999. In thecase of 1 month deposits, if the date of the moneytransfer falls on the last business day of the month,the end-of-month rule applies, that is, the date onwhich the Bank of Russia will return the deposit andpay interest on it (the deposit closing date) will by thelast business day of the corresponding month.
The CBR can also make deposit transactions onother standard terms.
Table 2.5Official US Dollar to Ruble Rate
Table 2.6Official Euro to Ruble Rate
Table 2.7Official German Mark to Ruble Rate
General Provisions
Foreign currencies’ official rates to the Russianruble are fixed and quoted by the Russian Federa-tion Central Bank pursuant to Article 52 of the Fed-eral Law “On the Russian Federation Central Bank(Bank of Russia)”. They are applied for calculatingrevenues and expenditures of the government bud-get for all types of payments and settlements by thegovernment with enterprises, associations, organi-zations, and households as well as for taxation andaccounting.
Foreign currencies’ official rates to the Russianruble are quoted daily by the CBR to Reuters andother mass media. They also are published in theweekly “Bank of Russia Bulletin” and placed on theCBR Internet web site.
106BULLETIN OF BANKING STATISTICS № 3 (94)
Individual Indicators Highlights
Official US dollar to ruble rate — is set by theBank of Russia each business day on the basis ofcurrent business-day quotations for US dollar/Rus-sian ruble operations on the interbank exchangeand over-the-counter currency markets.
Official Euro to ruble rate — is calculated andset on the basis of the official US dollar/Russianruble rate and euro/US dollar rate set in internationalcurrency markets for spot transactions.
Official German mark to ruble rate — is calcu-lated and set on the basis of the official US dollarrate, euro/US dollar rate and German mark rate,fixed by the EU Board’s decision of December 31,1998.
These rates come into effect on the calendar dayfollowing the day they were set on and remain effec-tive until the next official rate of these currenciescomes into effect unless Bank of Russia rules other-wise.
Table 2.8Bank of Russia Precious Metals Quotes
General Provisions
To organise an interbank market for preciousmetals in Russia, the Bank of Russia, guided by theLaw on the Central Bank of the Russian Federation(Bank of Russia), quotes on a daily basis the buyingand selling rates for refined bar gold, silver, plati-num and palladium. The Table “Bank of RussiaPrecious Metals Quotes” shows the daily quota-tions for these precious metals during the report-ing month. The quotations are calculated by theBank of Russia in accordance with its Instruction
No. 652—U, dated September 30, 1999, “On theProcedure for Calculating Bank of Russia Buyingand Selling Quotations for the Refined PreciousMetals in Operations with Credit Institutions”, Bankof Russia Instruction No. 700—U, dated Decem-ber 17, 1999, “On Amending Bank of Russia In-struction No. 652—U of September 30, 1999”, andBank of Russia Instruction No. 776—U, dated Janu-ary 11, 2000, “On Amending Some Bank of RussiaRegulatory Rules”.
For the purpose of making the accounting ofprecious metals (gold, silver, platinum and palla-dium) in credit institutions, the Bank of Russia buy-ing rate for refined gold, silver, platinum and palla-dium comes into effect on the business day follow-ing the day on which it was set and remains effectiveuntil a new rate (accounting price) is set by the Bankof Russia.
For the purpose of effecting transactions, Bankof Russia buy and sell rates for refined bar gold,silver, platinum and palladium are effective from14:00 to 17:00 Moscow time on the day the quota-tions are set.
Individual Indicators Highlights
Bank of Russia buy quotes for precious met-als are calculated as the London spot market priceof gold, silver, platinum and palladium minus 5.5%for gold and 9% for silver, platinum and palladiumand recalculated into rubles at the current rate set atthe singled US dollar trading session on the inter-bank currency exchanges.
Bank of Russia sell quotes for precious met-als are calculated as the London spot market priceof gold, silver, platinum and palladium plus 0.5% andrecalculated into rubles at the current rate set at thesingled US dollar trading session on the interbankcurrency exchanges.
107BULLETIN OF BANKING STATISTICS № 3 (94)
Section 3. Financial Markets
Subsection 3.1Interbank Credit Market
Table 3.1.1Monthly Average Moscow Interbank Bid
Rates (MIBID),Monthly Average Moscow Interbank
Offered Rates (MIBOR) andMonthly Weighted Average
Moscow Interbank Actual Credit Rates(MIACR)
Table 3.1.2Daily Average Moscow Interbank Bid
Rates (MIBID)Daily Average Moscow Interbank
Offered Rates (MIBOR) andDaily Weighted Average Moscow
Interbank Actual Credit Rates (MIACR)
General Provisions
The tables 3.1.1—3.1.2 present the credit institu-tions’ rates for attracting/offering and loans for con-ventional fixed terms (1 day, 2 to 7 days, 8 to 30 days,31 to 90 days, 91 to 180 days, 181 days to 1 year). Thetables show the range and changes in the interbankmultiterm loans. MIBOR and MIACR tables can beused for analyzing fluctuations in posted bid rates ascompared against the offered rates and actual ratessettled for extended credits. In general, the data inthe tables are consistent with other data published inthe Bulletin and can be applied to a comprehensivanalysis of the financial market standing.
Data source: daily sampling of credit institutionswhich are principal agents of the Moscow InterbankMarket.
The interbank credit rates are published in theweekly “Bank of Russia Bulletin”, the “Bulletin ofBanking Statistics” and placed on the CBR Internetweb site.
Individual Indicators Highlights
Moscow Interbank Bid Rates (MIBID) andMoscow Interbank Offered Rates are calculatedas monthly average from daily recalculated bid/of-fered rates on interbank credits.
Moscow Interbank Actual Credit Rate(MIACR) is calculated as average monthly weightedof actual transaction volumes of interbank credits.
Moscow interbank bid/offered rates are de-fined for each date and term as simple average ofdaily recalculated bid/offered rates for correspond-ing terms and for all related banks. The calculation,however, does not include bid/offered rates forbanks’ branches.
For each standard term the posted bid/offeredrates are computed as a simple average by thefollowing formula:
wherenPn
p ,=–
— posted current bid/offered rates(MIBID/MIBOR);P
n — posted current bid/offered rate by a specific
bank;n — number of banks whose data are used for com-puting specific standard term.
Moscow interbank actual credit rates are cal-culated for each date and every standard credit termas an average weighted of total actual credit con-tracts. No records are made of rates on creditsextended by banks to its branches or on rollovercredits.
Interbank actual credit rates are defined for ev-ery standard credit term as a weighted averagethrough the formula:
p–
whereSn
KnSnp ,=–
— current actual credit rate (MIACR);K
n — rate of interbank credits extended by n-bank on
this day;S
n — total loans extended by n-bank over this day;
n — number of banks whose data are used to com-pute a rate for a specified credit term.
Terms are based on number of working dayswithin a period.
Subsection 3.2Exchange Market
Table 3.2.1US Dollar Trade
at Interbank Currency ExchangeTable 3.2.2
German Mark Tradeat Interbank Currency Exchange
Table 3.2.3Euro Trade
at Interbank Currency Exchange
General Provisions
Trade in foreign currencies for Russian rubles isconducted at the interbank exchange markets —special markets licensed by the CBR for arrangingpurchase and sale of foreign currencies for Russianrubles, including the following settlements. Bids areperformed on a daily basis except weekends andpublic holidays. The bidding participants are
p–
108BULLETIN OF BANKING STATISTICS № 3 (94)
authorised banks, members of the exchanges (theBank of Russia may also take part). Trading andsettlements on the interbank currency exchangesare regulated by the rules approved by the authorisedbodies of the interbank currency exchanges andagreed with the Bank of Russia.
The tables contain data on the principal inter-bank exchange markets operating with US dollars,German marks and Euro. The data are obtainedfrom monthly reporting of the authorized exchangemarkets and the CBR regional departments.
The bidding results are published in the “Bulletinof Banking Statistics”, the weekly “Bank of RussiaBulletin” and placed on the CBR Internet web site. Inaddition, the relevant information is released daily tothe mass media for dissemination through the massmedia.
Individual Indicators Highlights
Average weighted rate is defined as an aver-age weighted rate with the following formula:
Banks’ imports (entered to cash account) toRussia — the amount of foreign cash imported tothe Russian territory by the authorized banks andentered to cash account.
Purchased from resident banks1 — foreigncash posted to tills of authorized banks as a result oftransactions with other resident banks.
Purchased from individuals and accepted forconversion — amount of foreign cash purchased oraccepted for conversion (exchange of one foreigncurrency for another) from individuals (residentsand nonresidents) as recorded in the foreign cashregisters.
Received from individuals (residents andnonresidents) for entering to their foreign cur-rency accounts — foreign cash received from indi-viduals (resident and nonresident) for entering totheir foreign currency accounts.
Received from legal entities for entering totheir foreign currency accounts — foreign cashreceipts from corporate bodies (residents and non-residents) to reflect earlier withdrawals from an au-thorized bank to pay for travels abroad, if there is anysurplus, and foreign cash credited to foreign cur-rency accounts by legal entities (residents and non-residents) based on the Bank of Russia’s permis-sion.
Other receipts include other foreign cashamounts, inclusive of:— commission charged in foreign currency for
transactions with foreign cash and foreign cur-rency payment documents;
— the returned balances of the amounts that werewithdrawn by legal entities (resident and non-resident) from their foreign currency accountswith authorized banks to cover travel expenseson business trips abroad and not spent in full;
— foreign cash entered to current accounts of le-gal entities upon the approval by the Bank ofRussia;
— foreign currency brought to the Russian Federa-tion by nonresident banks to replenish their cor-respondent accounts and posted to tills of theauthorized banks;
— posting to tills of the authorized banks of foreignbanknotes whose authenticity has been con-firmed by the appropriate authentication exper-tise certificates;
— non-usable foreign banknotes bought for cashrubles and posted to tills of authorized banks;
— entering of contributions, sponsorial and othercharitable donations to accounts of enterprisesand organisations;
— crediting of earnings from selling goods (ser-vices and works) abroad to accounts of enter-prises and organisations;
1 Foreign cash withdrawals from individuals’ foreign currency accounts (resident and nonresident) through the ATM of authorizedbanks (and their branches) that are not issuers of credit and debit cards used for withdrawals, are included in item “Other”.
whereVi
Ri Vir ,=–
— average weighted rate;R
i — average weighted rate of a bidding session;
Vi — trading volume.
Trading volume is the total number of contractssettled over a bidding session.
Table 3.2.4Foreign Cash Flow Through Authorized
Banks Across Russia
General Provisions
The table “Foreign Cash Flow Through Autho-rized Banks Across Russia” comprises principal in-dicators of foreign cash circulation within the RFterritory.
Data in the table are obtained from monthly re-porting on foreign cash flows and documentary pay-ments in foreign currency by credit institutions li-censed for foreign currency transactions (autho-rized banks).
Information on foreign cash flow through Russia’sauthorized banks is published in the “Bulletin ofBanking Statistics”, the weekly “Bank of Russia Bul-letin” and placed on the CBR Internet web site.
Individual Indicators Highlights
Total foreign currency receipts — include allforeign currency cash receipts to vaults in autho-rized banks (and their branches) excluding theinterbranch turnover.
r–
109BULLETIN OF BANKING STATISTICS № 3 (94)
— entering of earnings from selling goods for for-eign currency in duty-free shops to accounts ofresident legal entities;
— entering of duties and customs levied in foreigncurrency;
— foreign cash deposited by individuals for non-commercial transfers abroad;
— foreign cash deposited by individuals for redemp-tion of loans granted by authorized banks;
— earnings from foreign currency documentarypayment;
— other legitimate foreign currency receipts.Total foreign cash expenses — all types of
foreign cash expenditures by authorized banks(branches) except for interbranch turnover pay-ments.
Banks’ exports from Russia (“cash” accountdebit) — amount of foreign cash exported from theRussian Federation by authorized banks.
Sales to resident banks — amount of foreigncash withdrawn from tills of authorized banks as aresult of transactions with other resident banks.
Sales to individuals — amount of foreign cur-rency sold to individuals (residents and nonresi-dents) or paid out as a result of foreign currencyconversion (exchanged for another foreign currency)as recorded in the foreign cash registers.
Payments from personal foreign currency ac-counts (residents and nonresidents) — foreigncash amounts paid out to individuals (resident andnonresident) from their foreign currency accounts.
Payments from corporate foreign currencyaccounts — foreign cash withdrawals by corporateclients (residents and nonresidents) from their for-eign currency accounts to pay off overseas busi-ness travels, and foreign cash withdrawals from cur-rent foreign currency accounts of corporate entities(residents and nonresidents) as authorized by theCBR.
Other — other types of foreign cash use, inclu-sive of:— expenses to acquire foreign currency payment
documents;— foreign currency loans to individuals;— foreign cash payments to individuals from their
ruble accounts (including through ruble cards);— foreign cash payments from current accounts of
legal entities (resident and nonresident) uponthe approval by the Bank of Russia;
— other expenses allowed by foreign exchange leg-islation, including amounts in foreign cash paidout to legal entities (resident and nonresident)from their foreign currency accounts with autho-rized banks to cover expenses related to busi-ness trips of their employees abroad.Foreign cash balances at the end of report-
ing period — amount of foreign cash balance at theend of reporting month.
Table 3.2.5Selected Indicators Featuring Foreign
Cash Transactions by Authorized Banks’Exchange Offices
General Provisions
The “Selected Indicators Featuring Foreign CashTransactions by Authorized Banks’Exchange Of-fices” table shows transactions in US dollars andGerman marks, which are the key currencies avail-able at the domestic foreign cash market.
Data are provided by monthly reporting on for-eign cash flows and documentary payments in for-eign currency by credit institutions licensed for for-eign currency transactions (authorized banks).
Along with releasing information on selected in-dicators of foreign cash operations by exchangeoffices of the authorized banks through “Bulletin ofBanking Statistics”, it is also available on the CBRInternet web site.
Individual Indicators Highlights
Average single transaction — average foreigncash involved in one transaction. The indicator isdefined as the ratio of foreign cash amount pur-chased/sold to/from residents or nonresidents forruble cash to the number of transactions for foreigncash purchase/sale for rubles in cash .
Number of transactions — number of foreigncash purchases/sales for cash rubles.
Average monthly rate — average rate of for-eign cash sales/purchases defined as the ratio ofcash rubles received/paid for foreign cash to theamount of foreign currency purchased/sold for cashrubles from/to residents and nonresidents.
Average transaction margin — difference be-tween rates of foreign cash purchase and sale.
Percentage share of a specific foreign cur-rency transaction in total volume of foreign cashtransactions by exchange offices — share of pur-chase/sale transactions for a specific currency (USdollar, German mark) in the total volume of transac-tions in all foreign currencies.
Table 3.2.6Average Foreign Cash Purchase
and Sale Transactions with Individualsby Authorized Banksand Their Branches
General Provisions
The table shows purchase and sale transactionswith individuals by authorized banks and theirbranches ranged by an average transaction amount.This differentiates between totals of foreign cashpurchases/sales to/from individuals based on fixed
110BULLETIN OF BANKING STATISTICS № 3 (94)
amount intervals for transactions. The information isprovided by monthly reporting on foreign cash flowsand documentary payments in foreign currency bycredit institutions licensed for foreign currency trans-actions (authorized banks).
Along with releasing information on average for-eign cash purchase and sale transactions with indi-viduals by authorized banks and their branchesthrough “Bulletin of Banking Statistics”, it is alsoavailable on the CBR Internet web site.
Individual Indicators Highlights
Transactions volume—based distribution isdefined as the ratio of foreign cash purchased/soldto/from residents and nonresidents in cash rubles toa number of foreign exchange transactions in cashrubles reported by each authorized bank’s (branchor headquaters for lack of branches). The amount ofpurchased/sold foreign cash and the number ofwithin—an—interval transactions by all branches orheadquarters show the general distribution of theestimated average transaction.
Subsection 3.3Main Characteristics of the Government
Securities Market
The subsection “Main Characteristics of the Gov-ernment Securities Market” comprises data on spe-cific placement and redemption parameters of short-term government bond (GKO) and federal loan bond(OFZ) issues and indicators characterising GKO andOFZ secondary trading.
For details about the terms and conditions of gov-ernment securities issues, circulation and redemp-tion, see the Provision on the Servicing and Circulationof Couponless Short-Term Government Bonds, ap-proved by Bank of Russia Order No. 02—125, datedJune 15, 1995, hereinafter referred to as the Provision.
The data source for all tables characterising theGKO—OFZ market is the global certificate of issueand information provided on a daily basis by theMoscow Interbank Currency Exchange (MICEX).
Data on operations with government securitiesare published not only in the Bulletin of Banking Sta-tistics, but also in the weekly Bank of Russia Bulletin(Vestnik Banka Rossii) and in the subsection “Gov-ernment Securities Market” of the section “FinancialMarkets” in the Bank of Russia site on the Internet.
Table 3.3.1Data on Government Securities
Redemption and Coupon Payments
General Provisions
The table “Data on Government Securities Re-demption and Coupon Payments” contains data on
the expenses involved in bond redemption in theGKO—OFZ market.
Individual Indicators Highlights
Date of placement — the date of floating asecurity issue which was redeemed or on which thecoupon payments were effected.
Security code — a unique identifier of an issuegiven in accordance with the Provision.
Volume of redemption/coupon payment —the money spent on redemption/coupon payment.
Volume in circulation — the current nominalamount of securities in circulation on the paymentdate.
Current coupon rate — the rate of coupon in-come on the payment date.
Table 3.3.2Term Structure of Bonded Debt
(the GKO—OFZ part of there)Table 3.3.3
Main Characteristics of the SecondaryGKO—OFZ Market
General Provisions
The table “Term Structure of Bonded Debt (theGKO—OFZ part there of)” shows how the GKO—OFZ market is structured in terms of bond maturity.
The table “Main Characteristics of the Second-ary GKO—OFZ Market” contains the principal indi-cators on GKO—OFZ secondary trading.
These data apply to outstanding bonds only. Fordetails about how these indicators are calculated,visit the Bank of Russia site on the Internet.
Individual Indicators Highlights
Share of total volume in circulation at par —calculated as the ratio of the volume in circulation ofa specific kind of securities to the volume of alloutstanding bonds at face value.
Market portfolio indicator — mean effectiveyield on a specific kind of securities, weighted bytime to redemption and volume in circulation.
Market turnover indicator — mean effectiveyield on a specific type of securities, weighted bytime to redemption and turnover.
Turnover rate — the ratio of secondary marketturnover to market volume.
Duration — the average volume-weighted pe-riod to interest payments on securities, includingcoupon payments.
Government short-term bonds — short-termcouponless treasury bills.
Investment federal loan bonds — zero-cou-pon federal loan bonds.
Permanent-income federal loan bonds — fed-eral loan bonds with a permanent coupon interestrate (these do not include investment federal loan
111BULLETIN OF BANKING STATISTICS № 3 (94)
bonds). This kind of securities differs from others inthat their coupon interest rate remains unchangedthroughout their life.
Fixed-income federal loan bonds — federalloan bonds with a fixed coupon interest rate. Unlikethe permanent-income federal loan bonds, thesebonds have coupon interest rates that changethroughout their life.
Table 3.3.4Average Weighted Interest Rates of the
Government Securities Market
General Provisions
Table “Average Weighted Interest Rates of theGovernment Securities Market” reflects the GKO—OFZ interest rates depending on residual maturities.The calculation covers all marketable issues.
The information on the average weighted inter-est rates of the Government securities market ispublished in the Bulletin of Banking Statistics andplaced on the Bank of Russia website.
Individual Indicators Highlights
The short-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities upto 90 days inclusive, weightedby residual maturities and trading volumes.
The medium-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities from 91 to 364 days inclusive,weighted by residual maturties and trading volumes.
The long-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities over 364 days, weighted by re-sidual maturities and trading volumes.
Table 3.4Corporate Securities Market Indicators
General Provisions
The “Corporate Securities Market Indicators” tableshows changes in the RTS-Interfax index which is theofficial indicator of the Russian corporate stock ex-change. The index is computed on a daily basis by themethodology of the Russian Trade System TechnicalCenter and Interfax News Agency. The index includes100 stocks selected by their liquidity (bidding value,number of contracts, development of corporate stockmarket, issuer’s credit rating, etc), market value (capi-talization), availability of information about the issuer,and a number of other criteria. The data on contractsselected for the corporate stock index are obtainedfrom the Russian Trade System (RTS) and the Mos-cow Stock Exchange (MSE).
The RTS-Interfax index is computed and releasedto users on-line.
Individual Indicators Highlights
RTS turnover — turnover totals recorded byRTS.
RTS-Interfax index (foreign currencyvalue) — computed ratio of the current total value ofmarket capitalization of stocks enlisted for calcula-tion to the total market capitalization of stocks in thebase period by the following formula:
whereMktCap0
MktCapnKII n ,100100,0 ==
Io — base RTS—Interfax index value (January 5,
1998) fixed as 100;In — current RTS—Interfax index value (foreign cur-
rency value) (n=1,2,3…);K — adjuster resultant—driving from changes instock listed for index calculation (K=1 in base pe-riod);MktCap
n — current market capitalization of stocks
listed for index calculation;MktCap
o — base total market capitalization of stocks
listed for index calculation.RTS-Interfax index (ruble value) defined based
on the foreign currency value of the index with ac-count of changes in the US dollar to ruble exchangerate compared to the base period rate. The followingformula is used:
==
N
iin whereQPMktCapn
1, ,in,
Irn
— RTS-Interfax index (ruble value);In — RTS-Interfax index (foreign currency value);
R — current US dollar to ruble exchange rate;R
o — base US dollar to ruble exchange rate.
Subsection 3.5International Financial Markets
The “International Financial Markets” subsec-tion contains key interest rates of selected membercountries of the International Monetary Fund (IMF)and four tables which individually describe financialmarket sectors. The subsection covers both leadingindustrial countries and developing countries. Thisfacilitates comparison of profitability of similar fi-nancial instruments at financial markets of variouscountries.
Quarterly interest rates are the simple averagesof interest rates for the monthly periods under re-view.
Data are derived from the International FinancialStatistics by the IMF.
112BULLETIN OF BANKING STATISTICS № 3 (94)
Table 3.5.1Treasury Bills Yield
General Provisions
The “Treasury Bills Yield” table shows yield oftreasury bills issued by various countries. The com-pilation methodology for the indicator can differ un-der specific provisions for a certain type of transac-tions in financial assets. In general, treasury bills’yield is an interest rate of the primary placement ofsecurities or an average weighted rate of securitiescirculated on the secondary market.
Individual Indicators Highlights
By country computation of government short—term liabilities:— USA — average annual discount for new issues of
T—bills with 3 months maturity;— Germany — yield of federal T—bills with
12 months maturity;— Great Britain — auction rate of T—bills place-
ment for 91 days period. Monthly rates are basedon average weighted rates by end of workingweek;
— Italy — gross average weighted yield of recur-rently placed T—bills issued for periods of 3, 6and 12 months;
— Bulgaria — average weighted yield on one yearmaturity T—bills sold at an auction;
— China (Hong Kong) — annual yield of T—bills with91 days maturity;
— Lithuania — average auction rate of T—bills with91 days maturity.
Table 3.5.2Money Market Rates
General Provisions
The “Money Market Rates” table shows interestrates on domestic borrowings by financial institu-tions to maintain current liquidity. This indicator isusually obvious from overnight credit interest ratesbut may also be defined for longer credit terms (upto three months) based on different monetary mar-ket specifications.
Individual Indicators Highlights
By country computation of domestic short—termborrowing rates:— USA — rates at which banks purchase (or bor-
row) funds in this interbank market to meet theirreserve requirements in the short run of financeloans and investments in the longer run. Monthlyfigures are average of all calendar days, wherethe rate for a weekend or holiday is taken to bethe rate prevailing on the preceding day. Thedaily rate is the average of the rates on a givenday weighted by the volume of the transaction atthese rates;
— Japan — overnight interest rate at Tokyo inter-bank market;
— France — prior to January 1999 represents themonthly average of rates for overnight loansagainst private bills, based on opening quota-tions;
— Germany — overnight interest rate defined asaverage weighted rate based on relevant ratesfor every ten days;
— Great Britain — offered overnight bid rate;— Italy — average weighted interest rate on inter-
bank three —month loans;— Indonesia — overnight interbank interest rate;— Korea — average weighted interest rate on over-
night loans;— Singapore — the rates are the modes of the
three-month interbank rates quoted by moneybrokers. Monthly data refer to the rates on thelast Friday (or working day closest to the lastFriday) of the month;
— Ukraine — average weighted interest rate onloans between financial institutions in nationalcurrency. The rate is weighted by daily loanamounts;
— China (Hong Kong) — midpoint (average of offerand bid rates) overnight closing rates in the inter-bank money market;
— Bulgaria — average weighted interest rate oninterbank loans;
— Lithuania — average interest rate on interbankone —month loans.
Table 3.5.3Deposit Rates
General Provisions
The “Deposit Rates” table shows rates for at-tracting residents’ funds to demand, time and sav-ings deposits. Time and savings deposits are classi-fied according to the borrowing period. Banks andsome other financial institutions attracting depositmoney can issue deposit certificates distinguishedby different periods of depositing and quantities ofsingle value deposits.
Individual Indicators Highlights
By country computation of resident deposit ratesfor demand, time and savings deposits:— USA — rate is computed based on daily
unweighted three—month deposit rates at sec-ondary market, posted by at least five dealers atthe beginning of an operational day;
— Japan — average rate for three—month timedeposits for amount from 3 to 10 million yens;
— France — rate of tax exempt savings;— Germany — rate of three month deposits under
3 million marks;— Great Britain — average of four key clearing
London banks’ rates on savings deposits with
113BULLETIN OF BANKING STATISTICS № 3 (94)
instant access and an average balance of10,000 pounds;
— Italy — rate on current accounts, savings ac-counts and deposits;
— Indonesia — average weighted rate on three —month deposits with commercial banks;
— Korea — the rate is an average, weighted by theamount of deposit for periods of one year ormore but less than two years at nationwide com-mercial banks;
— Singapore — average rate on three month timedeposits settled by ten key commercial banks;
— Ukraine — average weighted rate offered by com-mercial banks on deposits in national currency;
— China (Hong Kong) — average weighted rate onone— month time deposits of ten key banks;
— Bulgaria — average weighted rate offered bycommercial banks on one—month deposits inleva;
— Lithuania — average weighted rate on time de-posits in domestic currency.
Table 3.5.4Lending Rates
General Provisions
The “Lending Rates” table encompasses lendinginterest rates offered to the private sector includingboth individuals and nongovernment enterprises andinstitutions. The rates are classified on the basis ofborrowers’ solvency and lending targets.
Individual Indicators Highlights
By country computation of private sector lendingrates:— USA — key banks short term lending rate for the
most reliable borrowers;— Japan — weighted arithmetics average of con-
tracted interest rates charged by all banks onboth short and long term loans, discounts, andoverdrafts;
— France — lending rate of commercial banks tothe most reliable borrowers;
— Germany — rates on crediting current accountswith minimum balance of 1 million marks;
— Great Britain — minimum base rate of Londonclearing banks;
— Italy — average rate settled for short term liracredits;
— Indonesia — average weighted lending rate forprivate loans pledged with working capital;
— Korea — minimal rate settled by deposit moneybanks for one— year loans to large enterprisespledged by fixed assets;
— Singapore — minimal lending rate reflecting anaverage rate settled by ten key banks;
— Ukraine — average weighed rate for domesticcurrency loans by all commercial banks;
— China (Hong Kong) — rate fixed by the HongKong and Shanghai Banking Corporation;
— Bulgaria — average weighted commercial ratefor one—year loans in domestic currency;
— Lithuania — average weighted rate for all domes-tic currency loans.
114BULLETIN OF BANKING STATISTICS № 3 (94)
Section 4. Credit Institutions Performance
1 The right to take household savings on deposit is granted to banks that have operated for at least two years after their state registration.
Subsection 4.1General Description
Table 4.1.1Number and Structure of Credit
Institutions
General Provisions
The “Number and Structure of Credit Institu-tions” table provides data on the number and struc-ture of the registered credit institutions in the Rus-sian Federation.
Registration of credit institutions, licensing forbanking operations and license withdrawals are per-formed by the CBR pursuant to Articles 4 and 58 ofthe Federal Law “On the Russian Federation CentralBank (Bank of Russia)” and Article 12 of the FederalLaw “On Banks and Banking Activity” (for the regis-tration and licensing procedures for credit institu-tions see also the CBR Instruction “On Use of Fed-eral Legislation Regulating Registration of CreditInstitutions and Licensing for Banking Activities”No. 75—I dated 23.07.98 (in view of changes andadditions).
The CBR keeps the State Register of Credit Insti-tutions. The Register includes records of credit insti-tutions — banking and nonbanking — for which theCBR took a decision on registration and licensing forbanking activities. The Register also records creditinstitutions’ branches and representative offices inRussia and abroad.
Information on official registration of credit insti-tutions, granting them licences, changes in theirnames, location, restructuring and breakdowns arereported in the weekly “Bank of Russia Bulletin” andplaced on the CBR Internet web site.
Individual Indicators Highlights
The concepts of a credit institution, bank andnonbanking credit institutions are determined bythe Federal Law “On Banks and Banking Activity”(Article 1):
Credit institution — legal entity authorized by aspecial CBR permission (license) to make its profitsfrom banking transactions within the framework ofthe above legislation. A credit institution is estab-lished as an economic entity.
Bank — credit institution having an exclusiveauthority for complex banking operations , namely:to attract deposits of legal entities and individu-als1, to accommodate raised funds on its behalfand at its cost on terms of repayabil ity,chargeability, and promptness, and also to openand keep banking accounts of individuals and in-corporated entities.
Nonbanking credit institution — credit institu-tion authorized for selected banking operation, withinthe range specified by the CBR.
Registered credit institutions — credit institu-tions having on a reporting date the status of legalentities, including those from prohibited performingbanking operations but still existing as legal entities.
Credit institutions licensed for banking trans-actions — registered credit institutions (banks andnonbanking credit institutions) entitled to conductbanking operations, as well as nonbanking institu-tions registered by other authorities (before enact-ment of the Federal Law “On Banks and BankingActivity”) but licensed for banking transactions bythe CBR.
Authorized capital of credit institution is basedon shares and provides a minimal amount of assetsserving as guarantee for creditors (Article 11 of Fed-eral Law “On Banks and Banking Activity”). The sizeof authorized capital is not restricted by legislationbut, to assure a credit institution’s stability, the CBRintroduced the minimal amount of authorized capital(minimal authorized capital for newly establishedcredit institutions should not be less than the sumequivalent to 1 million euros).
Registered authorized capital of operatingcredit institutions — authorized paid-up stock in-cluded in a credit institution’s charter and registeredby the CBR.
Branches of operating credit institutions —separately located structural units of credit institu-tions having a different location and performing ontheir behalf a full range or selected banking transac-tions specified by the CBR license.
Starting the line “Sberbank branches” recordsRussia’s Sberbank branches entered into the StateRegister of Credit Institutions with reference num-bers attached .
Representative offices of operating creditinstitutions — autonomous structural units of creditinstitutions having a different location, acting ontheir behalf and protecting their interests. Repre-sentative offices are not entitled for banking trans-actions.
Credit institutions with revoked licenses —credit institutions whose banking licenses were re-voked by the CBR’s resolution based on the FederalLaw “On the Russian Federation Central Bank (Bankof Russia)”.
Once a resolution on revoking a license is pub-lished, a credit institution loses its authority to maketransactions or complete contracts except for onesspecified in items 3 and 4, section 4, Article 20 of theFederal Law “On Banks and Banking Activity”, anditem 2.1 of the Russian Federation Central BankProvisions “On Banking Licenses Revocation from
115BULLETIN OF BANKING STATISTICS № 3 (94)
Banks and Other Credit Institutions in the RussianFederation” No. 264 dated 2.04.96.
Credit institutions subject to liquidation —credit institutions subject to liquidation:
a) without signs of bankruptcy by the decision of:— a general meeting of stockholders or its body
authorised to do so by the founding documents(voluntary liquidation in accordance with para-graph 2 of point 2 of Article 61 of the Civil Code ofthe Russian Federation);
— an arbitration court (compulsory liquidation inaccordance with paragraph 3 of point 2 of Article61 of the Civil Code of the Russian Federation).b) with procedures of bankruptcy by the deci-
sion of:— a general meeting of stockholders or its body
authorised in accordance with the founding docu-ments to pass the liquidation decision and de-clare the credit institution bankrupt with its credi-tors’ consent (a voluntary declaration of bank-ruptcy of a credit institution and its liquidation inaccordance with point 2 of Article 65 of the CivilCode of the Russian Federation before the com-ing into force of Federal Law No. 40-FZ, datedFebruary 25, 1999, “On Insolvency (Bankruptcy)of Credit Institutions”);
— an arbitration court (which may rule a credit insti-tution bankrupt and initiate bankruptcy proceed-ings in accordance with point 1 of Article 65 of theCivil Code of the Russian Federation, FederalLaw No. 6—FZ, dated January 6, 1998, “OnInsolvency (Bankruptcy) and Federal LawNo. 40—FZ, dated February 25, 1999, “On Insol-vency (Bankruptcy) of Credit Institutions).Credit institutions in receivership with court—
appointed interim trustees (structure of a liqui-dating commission is agreed) — credit institu-tions subject to liquidation:
a) without signs of bankruptcy in which by thedecision of a general meeting of stockholders or itsbody the liquidating commissions are appointed asagreed with Bank of Russia;
b) with procedures of bankruptcy in which by thedecision of:— a general meeting of stockholders or its body
authorised to do so by the founding documentsthe liquidating commissions are appointed;
— an arbitration court bankruptcy proceedings (areis open begun) and the receiver is appointed.
Table 4.1.2Credit Institutions Grouped byRegistered Authorized Capital
General Provisions
The “Credit Institutions Grouped by RegisteredAuthorized Capital” table is complementary to the“Number and Structure of Credit Institutions” table
and presents quantitative distribution by the size ofregistered authorized capital (see comments on the“Number and Structure of Credit Institution” table).Authorized capital is broken down by intervals givingan overall picture of Russian small, medium andlarge credit institutions. The quarterly supplementto the “Bulletin of Banking Statistics” provides simi-lar data dissected by Russian regions.
The State Register of Credit Institutions servesas data source for the said.
Along with releasing information on the break-down of credit institutions by the size of their autho-rized capital through the “Bulletin of Banking Statis-tics”, it is also available weekly in the “Bank of RussiaBulletin”, and on the CBR Internet web site.
Table 4.1.3Selected Indicators of Credit Institutions
Performance Grouped by Assets
General Provisions
The “Selected Indicators of Credit Institutions’Performance Grouped by Assets” table includesgroups which are shaped through constructing creditinstitutions series by descending assets criterionwith the subsequent grouping into homogeneous—similar assets groups within a series. Such groupingexemplifies cases of concentrated banking invest-ments and borrowings specific groups of banks, andfund—raising and investment operations by creditinstitutions with different assets.
Data are taken from the monthly aggregate bal-ance sheet of the operating credit institutions (withall branches). Assets and liabilities items included inthe “Credit Institutions Performance” subsection ofthe Bulletin are broken down by their initial marketvalue at time of purchase. Assets and liabilities inforeign currency, precious metals and securitiesinclude revaluation results except for bills which arenot subject to revaluation.
Individual Indicators Highlights
Number of branches throughout the RF terri-tory — branches of credit institutions recorded inthe State Register (on the State Register see com-ments on the “Number and Structure of Credit Insti-tutions” table).
Credits extended — debt (including overdue)of legal entities and individuals to credit institutionson all loans including loans to all—level governmentauthorities, extrabudgetary funds, nonresidents indomestic and foreign currency and in precious met-als. Funds provided by credit institutions on REPOterms are excluded, they are shown as investmentsin securities.
Corporate loans — debt (including overdue) ofnonfinancial and financial resident institutions (ex-cluding credit ones) to credit institutions on all do-
116BULLETIN OF BANKING STATISTICS № 3 (94)
mestic and foreign currency loans and preciousmetals loans.
Personal loans — debt (including overdue) ofresident and nonresident individuals and self—em-ployed individuals on consumer loans in domesticand foreign currency.
Bank credits — debt (including overdue) oninterbank credits, of which credits extended to non-resident banks. Deposits and other funds placedwith banks are excluded.
Outstanding debt on credits extended to en-terprises and entities/banks/individuals; —cor-porations; — individuals — is calculated by themethodology applied when computing relevant lentamounts. Outstanding debt does not include over-due interest.
Investment in government securities — creditinstitutions’ investment in Russian governmentbonds.
Investment in bills — amount of discountedbills in the credit institutions’ portfolio.
Investments in shares and equity interest byresident corporations (except for banks) — creditinstitutions’ investments in shares of joint—stock resi-dent companies (except for banks) and participatinginterests of resident corporations (for credit institu-tions’ investments in securities see also notes to the“Credit Institutions’ Investment Portfolio” table).
Corporate funds with banks — balances onenterprises’ and agencies’ accounts in domesticand foreign currency and precious metals. (Accountbalances on self—employed individuals’ accountsare not included). Also excluded deposits and meanswhich have been written off from accounts of clients.
Budgetary funds with banks — funds of all—level budgets and government extrabudgetary funds.
Personal deposits — demand and term per-sonal deposits by residents and nonresidents, anddomestic/foreign currency accounts of self—em-ployed individuals. Accrued interest on deposits iskept on different accounts excluded when this indi-cator calculating.
Negotiable debt — nominal value of banks’ se-curities: bonds, deposit and savings certificates,bills and acceptances.
Total assets — value of credit institutions’ as-sets (balances on accounts reflecting credit institu-tions’ settlements are included in total assets).
More descriptive data on the selected indicatorswith dissection by domestic and foreign currencyare given in the following tables: “Deposits”, “De-posit and Savings Certificates and Bonds”, “FundsOwned by Legal Entities and Individuals and RaisedThrough Bills”, “Structure of Credit Institutions’ In-vestments in Securities”, “Discounted Bills”. Thisinformation can be complemented by monthly bal-ance sheets of selected credit institutions which areincluded on the CBR Internet web site (see the CBRweb site for ”Credit Institutions” within the “BankingSystem” section).
Subsection 4.2Borrowings
Table 4.2.1Deposits
General Provisions
The table presents data on one of the majortransactions in liabilities, namely, borrowings bycredit institutions — drawings of domestic and for-eign currency from legal entities and individuals tobank deposits. Data are grouped by borrowing peri-ods specified according to the deposit contract termsincluding all complementary agreements. The tableshows total funds raised by credit institutions indeposits. The data compilation methodology for theinformation in this table differs from that used forsimilar data in the “Analytical Accounts of CreditInstitutions” table included in the analysis of moneysupply and its structure. Data in table 4.2.1 is pre-sented in a view to highlight these differences in themethodology. The “Deposits” table does not coverdeposits of legal entities and individuals with theVneshekonombank which is not within the scope ofcredit institutions , but includes the RF nonresidentfunds. Also not cover other raised found and ac-crued interest. Discrepancies among individual in-dicators can be found below.
The data are drawn from monthly aggregate bal-ance sheet of Russian operating credit institutions.
Individual Indicators Highlights
Total ruble/foreign currency deposits by ma-turity — money (cash and noncash rubles and for-eign currency) deposited by the owners of banksunder determined conditions. Data in the table arepresented by type of depositor (individuals and legalentities — corporations and agencies), terms andwithdrawal procedures (demand and time depos-its).
Demand deposits — funds kept with a bank foran undetermined period which can not be fixed atthe time the funds are credited to an account, andcan be completely or partially withdrawn at any time.Including deposits with use of banking cards.
Time deposits — money deposits with a pre-cisely determined term of repayment and interestrate.
Personal deposits — demand deposits (includ-ing amounts deposited for debit and credit cardssettlements) and time deposits by resident and non-resident individuals, and funds on self—employedindividuals’ accounts.
Corporate deposits — demand deposits (in-cluding deposits intended for debit and credit cardsettlements) and time deposits of all—level bud-gets, extrabudgetary funds, financial institutions (ex-cept for credit ones), nonfinancial institutions of alltypes of property, and also nonresident legal enti-
117BULLETIN OF BANKING STATISTICS № 3 (94)
ties. (The table “Analytical Accounts of Credit Insti-tutions” shows corporate deposit funds as includedin different aggregates (see columns 9, 10, 15 in thetable) which apart from deposited money includeamounts in settlements and current accounts ofresident legal entities, and precious metals ac-counts.)
Bank deposits include deposits and other moneyattracted from resident and nonresident banks.
Table 4.2.2Average Weighted Deposit Interest Rates
on Corporate and Personal in RublesTable 4.2.3
Average Weighted Deposit Interest Rateson Corporate and Personal in US Dollars
Table 4.2.4Average Weighted Deposit Interest Rates
on Interbank in Rubles
General Provisions
The table displays weighted deposit interest ratesin Russian rubles and US dollar offered by creditinstitutions. The data are dissected by type of de-positor (individuals, corporations, banks in thetable 4.2.2, individuals, corporations in thetable 4.2.3) and maturity within a reporting period.
Data source: monthly financial reporting of oper-ating credit institutions (see Bank of Russia Instruc-tion “On Financial Reporting Compilation ” No. 17dated 01.10.97 for the main compilation guidelines).
Along with the CBR monthly “Bulletin of BankingStatistics”, data on average weighted rates on per-sonal short-term deposits in the domestic currencyare published in the IMF “International Financial Sta-tistics”.
Individual Indicators Highlights
Personal deposit rates by maturity; corpo-rate deposit rates by maturity; banks’ depositrates, by maturity — annual average weighted in-terest rates on personal, corporate and banks’ de-posits attracted within a reporting period with break-down by maturity: under 30 days, 31—90 days,181 days—1 year, 1—3 years, over 3 years. De-mand deposits are included in the calculation ofrates on personal deposits under 30 days.
Average weighted deposit rates for a certain pe-riod are defined as follows:
Table 4.2.5Deposit and Savings Certificates
and Bonds
General Provisions
The “Deposit and Savings Certificates andBonds” table contains data on Russian and foreigncurrency funds raised by credit institutions by issueof securities (deposit and savings certificates andbonds). Values of the deposit and savings certifi-cates and bonds are given in nominal value with thematurity breakdown. Absence of data on specificperiods of borrowing means absence of such bor-rowings over the described periods.
The data are obtained from the monthly aggre-gate balance sheet of the Russian operating creditinstitutions.
Individual Indicators Highlights
Savings (deposit) certificate — a time depositvariety (see comments on indicator “Time deposits”in the “Deposits” table), which is a security provingdepositing in a bank, and also a right of the depositor(certificate holder) to receive in the bank—issuer orin its branches after a maturity period of the depos-ited funds and due interest payment specified in thecertificate. The certificates are issued in the Russianrubles. Savings certificates can be held only by indi-viduals, deposit certificates only by legal entities.For more detailed information on the savings (de-posit) certificates, see Provisions “ On Savings andDeposit Certificates” No. 333—U dated 31.08.98.
Bond — a financial security proving the holder’sright for receiving, in due time, the nominal value ofthe bond or any other tangible equivalent. Bondsalso provide fixed interest payments or any othertangible equivalent.
Table 4.2.6Average Weighted Interest Rates on
Deposit and Savings Certificates and Bonds
General Provisions
The table features average weighted interestrates on deposit and savings certificates and bondsissued in Russian rubles. Data are categorized bymaturity of deposit/savings certificates and bondsplaced on the primary market.Data source: monthlyfinancial reporting of the operating credit institu-tions (for the main compilation guidelines see theCBR Instruction “On Financial Reporting Compila-tion ” No. 17 dated 1.10.97).
Individual Indicators Highlights
Deposit certificate interest rates by matu-rity; savings certificate interest rates by matu-
whereVPV
P ,=–
— average deposit rate;P — nominal annual deposit rate;V — value of a deposit.
P–
118BULLETIN OF BANKING STATISTICS № 3 (94)
rity; interest rates on bonds, by maturity — aver-age annual interest on funds raised through thecertificates and bonds within the reporting periodbroken down by maturity: under 30 days, 31—90 days, 91—180 days, 181 days—1 year, 1—3 years, over 3 years. The lack of interest rates dataover the selected deposit periods indicates unavail-ability of a particular type of certificates and bondsissued by reporting institutions.
Average weighted interest on deposit/savingscertificates and bonds is defined as follows:
Table 4.2.8Average Weighted Interest Rates on Bills
General Provisions
The table contains average weighted interestrates on bills issued by credit institutions.
Interest rates on ruble denominated bills placedon the primary market over the report period aregiven by type of primary holder (legal entities andindividuals) and redemption periods.
Data are drawn from monthly financial reportingof operating credit institutions (for the main compi-lation guidelines and indicators see the CBR Instruc-tion “On Financial Reporting Compilation” No. 17dated 1.10.97).
Individual Indicators Highlights
Interest rates on ruble denominated bills soldto legal entities, by maturity; interest rates onruble denominated bills sold to individuals, bymaturity — average annual interest rates on rubledenominated bills sold to legal entities/individualswith dissection by periods of redemption periods:under 30 days, 31—90 days, 91—180 days,181 days—1 year, 1—3 years, over 3 years.
Average weighted interest rates on issued billsare defined as follows:
whereVPV
P ,=–
— average weighted interest rates on depo-sit/savings certificates and bonds;P — annual yield on a matured security;V — book value of a security.
Table 4.2.7Funds Owned by Legal Entities and
Individuals and Raised Through Bills
General Provisions
The “Funds Owned by Legal Entities and Indi-viduals Raised Through Bills” table contains creditinstitutions’ liabilities on issued bills and banker’sacceptances.
The data are obtained from monthly aggregatebalance sheet of the operating credit institutions.
Individual Indicators Highlights
Bill — direct financial liability completed in alegally prescribed form and issued by a promissor toa billholder which gives the latter an unconditionalauthority to make claims to the promissor in term ofspecific amount, time and place.
Banking bill of exchange — bill which is mainlyearmarked to attract funds to a bank.
Acceptance — an agreement on repayment of abill imposing obligation on the acceptor.
Banker’s acceptance — bill secured by thebank’s unconditional obligation to pay a specificamount after a certain period (accepted by the bank).
Total rubles/foreign currency raised by bills,by redemption periods — Russian ruble/foreigncurrency (in a rouble equivalent) attracted to thecredit institutions by issuing at par bills and dis-counting bank acceptances.
Total Russian/foreign currency receipts raisedby bills and banker’s acceptances are broken downby redemption periods. Bills at a particular datesight, and bills at fixed time sight (term bills) arediscounted by actual residual period. Demand andfixed—time demand bills are included in the demandposition, and bills presented for payment are dis-counted similarly to term bills (Accounting Rules forCredit Institutions Based in the Russian Federation,dated June 18, 1997, No. 61).
P–
whereVPV
P ,=–
— average weighted interest rate on issued bills;P — bill’s annual yield against redemption;V — value of a bill specified in the requisites.
Subsection 4.3Lending
Table 4.3.1Corporate, Interbankand Personal Loans
General Provisions
Data in the table reflect one of the major bank-ing activities in placing banking resources to be lentto clients (residents and nonresidents). Loans arebroken down by currency (Russian and foreign),borrowers (individuals, corporations, banks) andmaturity periods (maturity period is a term for re-paying a loan specified in a credit agreement). Theruble and foreign currency loan is lower than that inthe “Selected Indicators by Credit Institutions Per-formance Grouped by Assets” table because ofloans extended to all—level budgets, governmentextrabudgetary funds and precious metal loans toclients.
Data are provided by the monthly aggregatebalance sheet of Russian operating credit institu-tions.
P–
119BULLETIN OF BANKING STATISTICS № 3 (94)
Individual Indicators Highlights
Total loans in rubles/foreign currency— cli-ents’ debt (including overdue) to credit institutionson all loans extended. Lent funds totals, apart fromthe breakdown of specific loans, loans to foreigngovernments and nonresident legal entities.
Total personal loans in rubles/foreign cur-rency — resident and nonresident personal clients’debt on consumer loans (including overdue), en-compass self—employed individuals.
Total corporate loans in rubles/foreign cur-rency, by maturity — debt (including overdue) on allloans contracted to resident financial (except for creditones) and nonfinancial institutions of all types of prop-erty (for “financial institution” and “nonfinancial insti-tution” concepts see notes to “Analytical Accounts ofCredit Institutions” table, and comments on “claimson nonfinancial public enterprises” included in “Ana-lytical Accounts of Monetary Authorities” table).
Total loans to banks in rubles/foreign cur-rency — debt (including overdue) on interbank loans.Without deposits and other placed means in banks.
Table 4.3.2Average Weighted Interest Rates on
Corporate and Personal Loans in RublesTable 4.3.3
Average Weighted Interest Rateson Corporate and Personal Loans
in US DollarsTable 4.3.4
Average Weighted Interest Rateson Interbank Loans in Rubles and
in US Dollars
General Provisions
The tables contain average weighed rates onruble and US dollars loans to corporations, banksand individuals. Data are presented by type of bor-rowers (corporations, banks and individuals intable 4.3.2, corporations and individuals intable 4.3.3) and credit terms.Data source: monthlyfinancial reporting by Russian credit institutions (forthe main compilation guidelines and indicators seeCBR Instruction “On Financial Reporting Compila-tion” No. 17 dated 10.01.97).
Along with the CBR monthly “Bulletin of BankingStatistics”, data on average weighted rates on shortterm corporate loans in rubles are published in theIMF “International Financial Statistics”.
Individual Indicators Highlights
Average weighted interest rates on personalloans/ Average weighted interest rates on cor-porate loans/Average weighted interest rateson interbank loans in ruble/US dollar, by matu-
rity — annual average weighted rates specified inloan agreements with individuals, corporations andbanks. The rates are presented in classification bythe loan terms: under 30 days, 31—90 days, 91—180 days, 181 days—1 year, 1—3 years, over 3 years.
Average weighted interest rates for correspond-ing loan periods are defined as follows:
whereVPV
P ,=–
— average weighted loan interest rate;P — contracted nominal annual interest rate;V — contracted value of loan.
Table 4.3.5Structure of Credit Institutions’
Investments in Securities
General Provisions
Data are dissected by types of securities andgroups of issuers. REPO transactions being a rela-tively new source of high liquid banking resourcesare singled out of total investment (for REPO con-tracts see footnote on “Analytical Accounts of Mon-etary Authorities” table). The highlighted shares ofstock singled out of the overall investments intoshares of stock represent those which are kept in thecredit institutions’ portfolio over six month and pur-chased solely for investment purposes.
Investments in government securities are in-cluded at their market value, and in other securi-ties — by purchase value (book value).
Data source: monthly aggregate balance sheetof Russian operating credit institutions.
Analysis of data in the table can be comple-mented by information on the structure of invest-ment in securities of individual credit institutions —holders releasing their data to Internet under theCBR Provisions “On Data Release by the Bank ofRussia and Credit Institutions — Financial MarketsAgents” No. 43—P dated 8.07.98.
Individual Indicators Highlights
Securities include bonds (government, munici-pal, commercial), deposit and savings certificates,and other documents related to securities pursuantto effective law.
Investment in debt instruments — includecredit institutions’ funds allocated for purchase ofgovernment securities, bonds, deposit and savingscertificates of various legal entities.
Financial securities in investment portfolio candiffer by issuers:
government debt instruments — all Russiangovernment bonds (GKO, OFZ, etc.) including bondsdenominated in foreign currency;
debt instruments of the Russian Federationmember territories and local authorities — debt
P–
120BULLETIN OF BANKING STATISTICS № 3 (94)
instruments (bonds and other) issued by RussianFederation member territories (including debt in-struments in foreign currency) and local authorities(debt instruments in rubles);
resident credit institutions’ debt instru-ments — bonds, deposit certificates and other se-curities issued by resident credit institutions;
nonresident issuers’ debt instruments —bonds issued by foreign governments, nonresidentbanks, and nonresidents issuer’s other securities;
other debt instruments — bonds, savings anddeposit certificates issued by other legal entities(different from the above).
Investment in shares is defined by:— resident credit institutions’ shares;— nonresidents’ shares, including shares issued
by nonresident banks;— other shares (different from the above).
Credit institutions equity interests in legalentities (affiliated and subsidiary joint—stockcompanies), other participation — records ofcredit institutions’ ownership capital allocated foracquiring interest in authorized capital of residentand nonresident legal entities.
Table 4.3.6Discounted Bills
General Provisions
The table includes data on the value of discountedbills in credit institutions (including overdue bills).
Data are obtained from monthly aggregate bal-ance sheet of Russian operating credit institutions.
Individual Indicators Highlights
Total discounted bills denominated inrubles — value of bills denominated in rubles/for-eign currency and acquired prior to their maturity(including overdue bills).
Total of discounted ruble/foreign currency billsare broken down by promissors:— bills issued and guaranteed (“avaled”) by federal
government;— bills issued and guaranteed by RF member terri-
tories and local authorities;— bank’s bills;— nonresidents’ bills;— other bills.
Table 4.3.7Average Weighted Interest Rates on
Discounted Bills
General Provisions
The table contains average weighted rates ondiscounted bills and loans secured by credit bills.
Average weighted rates on discounted bills andloans against credit bills (ruble and foreign cur-rency) are shown by maturity.
Data source: monthly financial reporting of oper-ating credit institutions (for compilation guidelinessee the CBR Instruction “On Financial ReportingCompilation ” No. 17 dated 1.10.97).
Individual Indicators Highlights
Interest rates on ruble/US dollar creditbills — interest rates on credit bills—securedloans.
Interest rates on discounted bills denomi-nated in rubles and US dollars, by maturity —interest rates on acquired (discounted) bills.
Average weighted rates on discounted bills orcredit bills—secured loans are defined as fol-lows:
— average weighted interest rate on bills or creditbills—secured loans;P — discount rate defined by the formula for annualyield against maturity, or nominal interest creditrate;V — book value (purchase price) of a discounted billor value of credit bills—secured loan.
Table 4.4Credit Institutions’ Claims and Liabilities
on Financial Derivatives
General Provisions
The table presents credit institutions’ liabilitiesand claims on financial derivatives. Financial for-ward settlement contracts, options, fixed termtransactions included in SWAPs and REPOs whichfall due not earlier than on the third day after com-pleting the contract. Futures transactions are ac-counted off—balance from the contract date till thevalue date. Futures claims on and liabilities to fi-nancial instruments with market or official prices(rates) are recorded at these prices and discountedin due order.
Credit institutions’ liabilities and claims on finan-cial derivatives are broken down by major financialinstruments (rubles and foreign currency, preciousmetals, securities) and by term of settlement: 2—30 days, 31—90 days, over 90 days. Total of claimsand liabilities across all financial instruments pre-sented in the table also include amounts due forrepayment “on the following day”.
Data are obtained from monthly aggregate bal-ance sheet (Subsection D “Transactions in Deriva-tives”) of Russian operating credit institutions.
whereVPV
P ,=–
P–