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THE CENTRAL BANK OF THE RUSSIAN FEDERATION
BULLETINOF BANKING STATISTICS
MOSCOW 2003
№ 1 (116)
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 № 1 (116)
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2BULLETIN OF BANKING STATISTICS № 1 (116)
CONTENTSAdvance release calendar of the Bank of Russia’s data ccording to the requirementsthe Special data dissemination standard International Monetary Fund (SDDS IMF) .......................... 1
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 ....................................................................... 7
1.4. The Russian Federation Balance of Payments .............................................................. 9
1.5. External Debt of the Russian Federation (According to International Methodology)* ........ 15
1.6. External Debt of the Russian Federation (in Domestic and Foreign Currencies) * ............. 16
1.7. External Debt of the Russian Federation (by Maturity) * ................................................ 16
1.8. International Investment Position of Russia at End of Period (preliminary data)* ............. 17
1.9. The Russian Federation Banking Sector’s International Investment Position* ................. 20
1.10. The Russian Federation Merchandise Trade (Based on the Balance ofPayments Methodology)* ......................................................................................... 22
1.11. Gross International Reserves* ................................................................................. 23
1.12. Analytical Accounts of Monetary Authorities* ............................................................. 24
1.13. Analytical Accounts of Credit Institutions ................................................................... 25
1.14. Monetary Survey* .................................................................................................. 27
1.15. Money Supply (National Definition) ............................................................................ 28
1.16. Broad Monetary Base ............................................................................................. 29
2. MAJOR INDICATORS AND INSTRUMENTS OF THE BANK OF RUSSIAMONETARY POLICY
2.1. Bank of Russia Balance Sheet .................................................................................. 30
2.2. Refinancing Rate* .................................................................................................. 31
2.3. Credit Institutions’ Fixed Percentage Ratios in Bank of Russia Required Reserves .......... 31
2.4. Average Weighted Interest Rates on Bank of Russia Deposit Operations in MoneyMarket Using Reuters?Dealing System ....................................................................... 32
2.5. The Structure of Funds Borrowed in Bank of Russia Deposit Operations in MoneyMarket Using Reuters?Dealing System ....................................................................... 33
2.6. Official US Dollar to Ruble Rate* ............................................................................... 34
2.7. Official Euro to Ruble Rate ...................................................................................... 36
2.8. Bank of Russia Precious Metals Quotes ..................................................................... 38
3. FINANCIAL MARKETS3.1. Interbank Credit Market
3.1.1. Monthly Average Moscow Interbank Bid Rates (MIBID), Monthly Average MoscowInterbank Offered Rates (MIBOR) and Monthly Weighted Average Moscow InterbankActual Credit Rates (MIACR) .................................................................................................... 39
3.1.2. Daily Average Moscow Interbank Bid Rates (MIBID) Daily Average Moscow InterbankOffered Rates (MIBOR) and Daily Weighted Average Moscow Interbank Actual CreditRates (MIACR)* ........................................................................................................................ 40
3.2. Exchange Market
3.2.1. US Dollar Trade at Interbank Currency Exchange ..................................................................... 41
3.2.2. Euro Trade at Interbank Currency Exchange ............................................................................. 43
3.2.3. Foreign Cash Flow Through Authorized Banks Across Russia ................................................... 44
3.2.4. Selected Indicators Featuring Foreign Cash Transactions by Authorized Banks’ ExchangeOffices ..................................................................................................................................... 46
3.2.5. Average Foreign Cash Purchase and Sale Transactions with Individuals by AuthorizedBanks and Their Branches ....................................................................................................... 48
3.3. Major Features of Transactions in Government Securities
3.3.1. Main Highlights of Auctions for GKO—OFZ Placement ............................................................. 49
3.3.2. Data on Redemptions and Coupon Payments on Government Securities .................................. 49
3.3.3. Term Structure of Bonded Debt (with Respect to GKO and OFZ) .............................................. 50
3.3.4. Major Parameters of the GKOs—OFZs Secondary Market ........................................................ 51
3.3.5. Average Weighted Interest Rates on Government Securities Market ........................................ 54
3.4. Some Corporate Securities Market Indices* ............................................................... 55
3BULLETIN OF BANKING STATISTICS № 1 (116)
4. CREDIT INSTITUTIONS PERFORMANCE4.1. General Description
4.1.1. Number and Structure of Credit Institutions ............................................................................ 56
4.1.2. Number of operating credit institutions with non(residents’ participation in theauthorized capital licensed by the Bank of Russia .................................................................... 59
4.1.3. Credit Institutions Grouped by Registered Authorized Capital ................................................. 60
4.1.4. Groupings of operating credit institutions by the share of non(residents’ participation in the authorized capital .......................................................................................................... 61
4.1.5. Selected Indicators of Credit Institutions Performance Grouped by Assets ............................. 62
4.1.6. Financial Performance of Credit Institutions (with taking into account profit/losses ofprevious years) ........................................................................................................................ 63
4.1.7. Financial performance of credit institutions (from the beginning of the year net ofprofit/losses of previous years) ................................................................................................ 64
4.2. Borrowings
4.2.1. Deposits .................................................................................................................................. 65
4.2.2. Average Weighted Deposit Interest Rates on Corporate and Personal in Rubles ...................... 67
4.2.3. Average Weighted Deposit Interest Rates on Corporate and Personal in US Dollars ................ 68
4.2.4. Average Weighted Deposit Interest Rates on Interbank in Rubles ............................................ 69
4.2.5. Deposit and Savings Certificates and Bonds ........................................................................... 70
4.2.6. Average Weighted Interest Rates on Deposit and Savings Certificates and Bonds .................. 71
4.2.7. Funds Owned by Legal Entities and Individuals and Raised Through Bills ................................ 72
4.2.8. Average Weighted Interest Rates on Bills ................................................................................. 73
4.3. Lending
4.3.1. Corporate, Interbank and Personal Loans ................................................................................. 74
4.3.2. Average Weighted Interest Rates on Corporate and Personal Loans in Rubles ......................... 75
4.3.3. Average Weighted Interest Rates on Corporate and Personal Loans in US Dollars .................... 76
4.3.4. Average Weighted Interest Rates on Interbank Loans in Rubles and in US Dollars .................... 77
4.3.5. Structure of Credit Institutions’ Investment in Securities ......................................................... 78
4.3.6. Discounted Bills ...................................................................................................................... 80
4.3.7. Average Weighted Interest Rates on Discounted Bills .............................................................. 81
4.4. Credit Institutions’ Claims and Liabilities on Financial Derivatives .................................. 83
5. SELECTED INDICATORS CHARACTERISINGTHE STATE OF RUSSIA’S PAYMENT SYSTEM
5.1. Payments Effected by the Russian Payment System General Provisions ........................ 86
5.2. Payments Effected by Bank of Russia Payment System and Private PaymentSystems by Method of Payment ................................................................................ 87
5.3. Data on Customers Members of Bank of Russia Payment System ExchangingElectronic Documents with Bank of Russia ................................................................. 88
5.4. No. of Participants (Users) in Bank of Russia Intraregional and InterregionalElectronic Settlements ............................................................................................ 88
5.5. Value of Backlogs of Settlement Documents Unpaid Owing to Lack of Funds inCorrespondent Accounts (Subaccounts) of Operating Credit Institutions (Branches) ....... 89
5.6. Selected Indicators Characterising Transactions Implemented Using Bank Cards .......... 90
6. CHARTS AND DIAGRAMS
6.1 International Reserves Adequacy Ratio (International Reserves in Month of Import) ........ 91
6.2 Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits ................... 91
6.3 Structure of Aggregate Assets of Credit Institutions as of 30.11.2002 ............................ 92
6.4. Structure of Aggregate Liabilities of Credit Institutions as of 30.11.2002 ........................ 92
6.5 Structure of Broad Monetary Base as of 31.12.2001 ................................................... 93
6.6 Structure of Broad Monetary Base as of 31.12.2002 ................................................... 93
6.7 Interest Rates Dynamics in 1997—2002 ..................................................................... 94
6.8 Corporate Securities Market Indices ......................................................................... 94
6.9 Official Ruble Exchange Rate Dynamics in January, 2000 — December, 2002 ................. 95
6.10 Dynamics of Foreign Cash Purchase and Sale Transactions with Individualsby Authorized Banks and Their Branches ................................................................... 95
6.11 Foreign Cash Sources in November, 2002 .................................................................. 96
6.12 Structure of Foreign Cash Expenditures in November, 2002 ......................................... 96
4BULLETIN OF BANKING STATISTICS № 1 (116)
6.13 Structure of Registered Credit Institutions ................................................................. 97
6.14 Credit Institutions Grouped by Registered Authorized Capital ....................................... 97
6.15 Comparative Data on Major Sources of Borrowing by Credit Institutionsas of 30.11.2002 (Based on Credit Institutions Grouped by Assets) ................................ 98
6.16 Comparative Data on Major Allocations of Funds by Credit Institutionsas of 30.11.2002 (Based on Credit Institutions Grouped by Assets) ................................ 98
6.17 Structure of Personal Deposits as of 30.11.2001 ........................................................ 99
6.18 Structure of Personal Deposits as of 30.11.2002 ........................................................ 99
6.19 Dynamics of Debt on Credits Extended .................................................................... 100
6.20 Ratio Dynamics between Payments Value of Credit Institutions (Branches)and Cash Balances in Their Correspondent Accounts (Subaccounts)with Bank of Russia in 2002 Q3 ............................................................................... 100
6.21 Ruble Credits Extended to Legal Entities (by Economic Sector) and Individualsas of 30.09.2002 .................................................................................................. 101
6.22 Foreign Currency Credits Extended to Legal Entities (by Economic Sector)and Individuals as of 30.09.2002 ............................................................................ 101
6.23 Dynamics of Debt on Loans Extended to Individual Sectors of Economy in Rublesand Foreign Currency ........................................................................................... 102
6.24 Dynamics of Overdue Debt on Loans Extended to Individual Sectors of Economyin Rubles and Foreign Currency ............................................................................. 102
7. SUMMARY METHODOLOGY ..................................................................... 103
The procedure for publication of some table indicators marked with (*) is in compliance with the IMF Special DataDissemination Standard (SDDS IMF).
Symbols and notes:— nil... not available0,0 and 0,00 non(significant volume
In some cases minor discrepancies between totals and sums of items are due to rounding.Figures in bold are revisions to previously published data.
The Bulletin of Banking Statistics on the Internet can be found on the Central Bank of Russia Internet website http://www.cbr.ru.
5BULLETIN OF BANKING STATISTICS № 1 (116)
1. MAJOR MACROECONOMIC AND MONETARY INDICATORS1.1elbaT
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6BULLETIN OF BANKING STATISTICS № 1 (116)
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8BULLETIN OF BANKING STATISTICS № 1 (116)
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9BULLETIN OF BANKING STATISTICS № 1 (116)
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10BULLETIN OF BANKING STATISTICS № 1 (116)
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78
6,2
65
21
85,
81
10
02
,2
Q5
16,
31
87
75
14,
23
16,
17
08,
42
24,
81
53
13
80,
28
32,
12
62
20
9,0
2
10
02
,3
Q8
32,
31
30
86
06,
35
56,
14
60,
63
03,
91
48
10
69,
21
34,
24
52
10
7,2
2
10
02
,4
Q9
16,
51
61
89
12,
20
45,
15
75,
44
91,
02
77
54
8,1
38
1,1
86
33
84,
22
20
02
,1
Q7
43,
21
57
53
81,
25
15,
13
72,
40
26,
61
21
16
57,
22
11,
26
62
45
7,9
1
20
02
,2
Q8
67,
41
69
64
80,
33
95,
13
73,
51
41,
02
52
13
97,
17
99
26
32
24,
22
20
02
,3
Q2
95,
51
08
72
11,
43
06,
15
94,
67
80,
22
94
13
16,
23
20,
24
43
39
1,5
2
11BULLETIN OF BANKING STATISTICS № 1 (116)
.tn
oC
)s
ec
nal
aB
etai
de
mret
nI(t
nu
oc
cA
tn
erru
C)noilli
mDSU(
ecn
ala
be
dar
T)
41
—3(
se
pytecivr
esn
oec
nal
aB
dn
as
do
oG
secivr
esec
nal
ab
)9
2+
52(
noit
asn
ep
mo
Cs
eey
olp
me
fo
ecn
ala
b)
02
—9(
tn
emts
evnI
em
ocni
ecn
ala
b)
12
—0
1(
tn
erru
Csr
efsn
artec
nal
ab
)3
2—
21(
tn
uocc
at
nerr
uC
ecn
ala
b=)
33
+2
3+
13
+0
3()
42
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tro
psn
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secivr
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51
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lev
arT
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1—
5(r
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O)
71
—6(
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ala
blat
oT
)8
2+
72
+6
2(
52
62
72
82
92
03
13
23
33
43
49
91
57
6,7
14
38
18
6,4
—0
20,
3—
11
0,7
—6
19,
94
11
—6
27,
1—
23
2—
44
8,7
59
91
61
8,9
14
74
78
2,7
—5
28,
2—
83
6,9
—8
71,
01
30
3—
96
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—7
51
36
9,6
69
91
29
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29
30,
19
09,
2—
31
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—3
83,
5—
90
2,6
16
04
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20,
5—
27
74
8,0
1
79
91
31
9,4
17
56
05
9,2
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3—
54
9,5
—7
69,
82
43
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53,
8—
65
3—
08
—
89
91
92
4,6
17
04
96
1,2
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23,
2—
38
0,4
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21
46
1—
62
6,1
1—
73
3—
91
2
99
91
41
0,6
35
87
47
3,3
—5
96,
1—
48
2,4
—0
37,
13
12
27
39,
7—
10
66
16,
42
00
02
27
1,0
65
22,
19
14,
5—
17
4,2
—5
66,
6—
60
5,3
58
62
40
0,7
—9
69
38,
64
10
02
15
8,7
40
76,
10
04,
6—
26
5,3
—2
92,
8—
06
5,9
30
31
98
0,4
—9
57
—2
48,
43
99
91
,1
Q2
61,
62
91
81
6—
68
4—
21
9—
94
2,5
75
09
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—6
3—
18
0,4
99
91
,2
Q8
79,
61
02
88
7—
37
3—
95
9—
81
0,6
95
23
9,1
—2
96
32,
4
99
91
,3
Q6
93,
99
71
96
8—
85
4—
74
1,1
—9
42,
89
42
30,
3—
52
21
94,
5
99
91
,4
Q8
74,
31
21
29
90,
1—
87
3—
56
2,1
—4
12,
21
65
38
7,1
—0
23
70
8,0
1
00
02
,1
Q1
19,
31
07
26
69
—6
86
—2
83,
1—
03
5,2
15
57
40,
1—
16
89
5,1
1
00
02
,2
Q8
70,
51
55
31
73,
1—
82
6—
34
6,1
—5
34,
31
95
57
7,1
—4
92
18,
11
00
02
,3
Q8
05,
51
91
31
39,
1—
00
5—
31
1,2
—5
93,
31
96
27
8,2
—1
4—
15
5,0
1
00
02
,4
Q5
76,
51
08
21
51,
1—
75
6—
82
5,1
—7
41,
41
58
01
3,1
—4
4—
87
8,2
1
10
02
,1
Q2
52,
41
16
36
21,
1—
70
7—
27
4,1
—1
87,
21
36
36
6—
27
1—
80
0,2
1
10
02
,2
Q1
35,
21
01
47
25,
1—
62
0,1
—3
41,
2—
98
3,0
17
20
30,
1—
94
1—
73
2,9
10
02
,3
Q6
52,
21
95
44
23,
2—
98
9—
45
8,2
—2
04,
97
2—
43
9,1
—9
91
—2
42,
7
10
02
,4
Q2
18,
80
44
22
4,1
—1
48
—3
28,
1—
88
9,6
76
26
4—
83
2—
55
3,6
20
02
,1
Q2
42,
91
35
76
4,1
—2
08
—8
37,
1—
30
5,7
64
50
5—
39
1—
25
8,6
20
02
,2
Q9
63,
11
49
66
60,
2—
62
8—
89
1,2
—1
71,
96
46
89
—1
01
—0
31,
8
20
02
,3
Q6
22,
31
82
78
45,
2—
24
8—
26
6,2
—5
65,
01
01
92
6,1
—7
52
00,
9
12BULLETIN OF BANKING STATISTICS № 1 (116)
.tn
oC
)d
evie
ce
Rsr
efs
nar
Tl
atip
aC(
tn
uo
cc
Al
atip
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+“
es
aer
cnI
,”
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es
aer
ce
D:
seitili
bai
Lni
se
gn
ah
C(t
nu
oc
cA
lai
cn
ani
Fd
na
)noilli
mDSU(
lati
pa
Csr
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seitili
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tn
em
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ne
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Bs’
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Rs
eitilib
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an
on
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seitili
bail
seitili
bail
’srotc
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Ol
ato
Ts
eitilib
ail+
01
+9(
)6
1+
11
oiloftr
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(tsev
nit
ne
m)
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na
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6(
hcih
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re
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evni
tn
em
oiloftr
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ms
na
oLr
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51
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setir
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niyc
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uc
to
ne
udr
evo
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aerr
a
12
34
56
78
90
11
12
13
14
15
16
17
1
49
91
28
8,5
84
—0
84
—3
24,
44
62,
10
61,
32
10,
17
83,
50
39
94
36
01
92
06
25
81,
15
65,
7
59
91
22
1,3
02
8—
00
28
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03,
84
82,
76
10,
10
02,
10
86,
80
67
8,2
17
0,2
93
93
1,1
24
51
97,
38
43,
51
69
91
66
0,3
07
2,2
21
6,1
85
64
16,
87
50,
67
55,
25
10
09,
01
00
02,
44
35,
26
81,
20
93,
31
32
41,
81
42,
32
79
91
73
1,2
94
4,4
42
88,
01
76
5,3
32
16,
12
—5
48,
27
54,
42
—1
29
—6
19,
12
01
09,
88
77,
49
72,
16
36,
60
39
6,2
10
15,
34
89
91
40
7,1
37
2,8
26
3—
53
6,8
07
0,4
14
9,1
92
1,2
36
4,2
60
8,4
13
97,
32
62,
6—
00
5,2
13
87
99,
40
82
3,8
56
6,0
2
99
91
58
88
68
—7
63
53
2,1
—5
93
32
93
94
3,1
67
87
19
—9
78
—5
18,
25
22
—8
44
—0
24
1,2
12
2,1
00
02
22
8,1
11
67,
01
—7
44,
1—
41
3,9
—2
68,
1—
17
2,2
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04
89
0,2
—1
27,
41
—0
29
4,1
57
4,2
80
35
39
—0
84
8,1
18
3,1
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10
02
74
1,2
43
2,2
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97
—1
44,
1—
01
0,6
—1
43,
6—
13
32
97,
1—
63
0,0
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26
7,2
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85,
44
93,
26
47
96
79
74
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24,
39
87,
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99
91
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Q0
22
97
11
94
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76
59
31
72,
1—
66
6,1
26
66
32,
10
06
74
83
—7
6—
02
73
70
6,1
99
91
,2
Q8
81
91
5—
79
66
12,
1—
51
6—
23
1,1
—7
15
18
35
0,1
—0
43
—7
46
93
26
3—
00
58
63
2—
99
91
,3
Q5
22
84
4—
41
1—
43
3—
47
1,1
89
1,3
42
0,2
—4
61
97
45
4—
95
9—
35
55
50
11
—0
89
44
21
—
99
91
,4
Q2
52
08
—5
72
55
3—
95
5—
29
7—
23
22
45
89
—4
64
—4
11
93
1,1
18
4—
63
2—
02
24
62
—
00
02
,1
Q1
12
10
18
21
—9
22
13
18
51
—9
82
90
42
08
56
94
96
42
77
—0
39
12
94
00
02
,2
Q2
81
14
3,1
—1
82
—0
60,
1—
42
0,1
—9
21,
1—
50
14
00,
11
63,
1—
08
31
—5
14
17
1—
35
1—
01
98
04,
1—
00
02
,3
Q4
22,
11
74
7,8
—7
65
—0
81,
8—
88
—6
19
01,
3—
74
8,1
1—
09
55
01
69
81
32
—0
96
40
28,
01
—
00
02
,4
Q5
02
47
7—
17
4—
30
3—
77
9—
57
9—
1—
3—
35
7,1
—0
31
0,1
45
99
7—
02
20
59
0,1
55
3
10
02
,1
Q3
97
01
69
1—
30
37
64,
1—
98
8,1
—2
24
28
53,
1—
08
36
58
40
51
—7
62
—2
11
08
10
45
—
10
02
,2
Q6
81
72
—9
02
—2
6—
30
7—
00
7—
3—
12
79
—0
93
7,1
50
79
12
03
2—
22
—2
76
83
4,1
10
02
,3
Q8
11
23
4,1
—5
42
—7
81,
1—
19
2,1
—3
45,
1—
25
23
4—
66
7,2
—8
96
—7
22,
18
38
10
24
23
78
3—
67
92
62,
1—
10
02
,4
Q0
58,
19
36
—3
41
—6
94
—8
45,
2—
80
2,2
—0
43
—2
57,
1—
93
9,4
—4
60,
2—
67
96
63
67
42
49
28
1—
20
6,1
52
4,4
—
20
02
,1
Q8
01
75
5—
56
—2
94
—7
81,
1—
87
4,1
—1
92
01
43
7,1
—0
70
17
13
39
27
21,
15
12
57,
15
21
20
02
,2
Q7
89,
58
35
—1
3—
60
5—
51
8,6
—8
28,
6—
31
3—
65
3,7
—0
70
63
05
83
27
65,
21
80
3,3
14
4,3
—
20
02
,3
Q8
75
33
29
11
—3
53
77
0,2
—8
15,
1—
85
5—
6—
05
8,1
—0
35
4—
99
74
64
07
0,1
14
33,
22
3
13BULLETIN OF BANKING STATISTICS № 1 (116)
.tn
oC
)di
aP
sref
sn
arT
lati
pa
C(t
nu
oc
cA
lati
pa
C)
”—
“e
sa
erc
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”+
“e
sa
erc
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:s
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Rt
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cx
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ste
ss
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gn
ah
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nu
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cA
lai
cn
ani
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lati
pa
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ap
stess
at
ne
mnr
evo
glar
en
eG
’skn
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stess
a
stess
a’sr
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htO
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12
+0
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tn
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na
sec
nav
da
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me
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re
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52(
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72
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92
to
ne
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a
81
91
02
12
22
32
42
52
62
72
82
92
03
13
23
49
91
27
4,3
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21,
2—
12
6,0
12
47,
21
—6
99
—8
11,
3—
19
9,2
—2
92
—3
25,
5—
68
6,3
—5
80,
4—
—9
2—
41
6,3
1—
32
7,9
1—
59
91
96
4,3
—8
45,
1—
10
0,9
94
5,0
1—
60
52
40,
1—
07
9,3
46
9,1
—6
02
59
8,1
93
2,5
——
29
2—
39
3,5
—5
64,
2—
69
91
92
5,3
—8
03
—9
31,
96
44,
9—
9—
71
3—
89
8,2
—0
71
—6
68,
8—
91
2,6
—9
11,
01
——
07
1—
44
5,5
2—
85
7,8
2—
79
91
43
9,2
—2
43,
1—
22
5,7
56
8,8
—5
85
85
7—
75
2,1
—6
61,
3—
48
3,3
1—
69
6—
19
5,1
1—
81
1—
91
9—
47
8,9
2—
02
9,6
2—
89
91
68
0,2
—8
54,
1—
97
6,5
73
1,7
—8
03
05
1,1
—7
72
30
3,1
—6
67
88
3,5
—9
59,
7—
77
8—
75
3—
71
1,5
1—
09
9,5
1—
99
91
31
2,1
—6
31,
1—
67
5,4
21
7,5
—2
12
—8
43,
1—
80
4,3
—1
71,
2—
13
0,1
22
3,3
—1
50,
5—
55
3—
05
5—
81
4,0
1—
37
1,5
1—
00
02
76
8—
23
7,1
—6
08,
57
35,
7—
51
17
16,
1—
03
5,3
—0
93,
3—
40
9—
54
2,4
—3
92,
5—
05
6—
91
6,1
—1
01,
61
—7
42,
12
—
10
02
30
5,1
1—
04
5,9
20
38
32,
99
55
99
0,0
17
36,
1—
63
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3
14BULLETIN OF BANKING STATISTICS № 1 (116)
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15BULLETIN OF BANKING STATISTICS № 1 (116)
5.1elbaT
noitaredeFnaissuRehtfotbeDlanretxE)ygolodohteMlanoitanretnIotgnidroccA(
).nlBDSU(
8991.21.13 9991.21.13 0002.21.13 1002.21.13 2002.30.13 2002.60.03 2002.90.03
latoT 2.981 6.871 4.161 1.151 2.051 8.051 7.941
tnemnrevoGlareneG 4.551 3.641 5.721 5.311 5.111 7.801 5.601
tnemnrevoGlaredeF 0.351 2.441 3.621 5.211 5.011 7.701 5.501
tbeDnaissuRweN 0.55 1.84 0.06 0.15 7.94 3.94 4.84
srotiderclaretalitluM 9.12 2.91 8.51 4.41 0.41 2.41 7.31
FMI 3.51 3.21 8.8 4.7 1.7 3.7 9.6
DRBI 3.6 7.6 8.6 7.6 7.6 7.6 7.6
rehtO 2.0 2.0 2.0 2.0 2.0 2.0 2.0
srotidercrehtO 9.9 0.01 6.8 4.6 0.6 3.6 8.5
sdnobycnerrucngieroF 1.41 1.21 7.03 9.62 6.62 6.52 8.52
sdnoboruE 5.9 9.8 0.8 1.7 1.7 3.7 3.7
gnirutcurtserOKGotdetalersdnoB 7.2 2.2 4.1 4.1 4.1 4.1 4.1
tbedbulCnodnoLotdetalersdnoBgnirutcurtser
0.0 0.0 5.02 4.71 0.71 6.51 6.51
sdnoBycnerruCngieroFniFniM)9991dnaIIV,IVseireS(
3.1 6.0 7.0 0.1 1.1 4.1 6.1
seitirucesrehtO 6.0 4.0 0.0 0.0 0.0 0.0 0.0
sZFO—OKG 8.5 6.3 6.1 6.0 5.0 5.0 4.0
rehtO 3.3 2.3 2.3 6.2 6.2 6.2 7.2
RSSUremrofehtfotbeD 0.89 1.69 3.66 6.16 7.06 4.85 1.75
bulCsiraP 0.04 3.73 8.83 3.63 4.53 4.83 6.73
bulCnodnoL 6.92 6.03 0.0 0.0 0.0 0.0 0.0
sdnoBycnerruCngieroFniFniM)Vdna,VI,IIIseireS(
5.2 8.1 2.1 7.1 5.1 9.1 1.2
tsilaicosremrofotdewotbeDseirtnuoc
9.41 8.41 3.41 5.11 6.11 3.5 7.4
rehtO 0.11 6.11 0.21 1.21 3.21 7.21 7.21
tnemnrevoGlacoL 4.2 0.2 2.1 0.1 0.1 0.1 0.1
snaoL 0.1 9.0 6.0 8.0 8.0 9.0 9.0
sdnoboruE 4.1 1.1 6.0 2.0 2.0 1.0 1.0
)stidercFMI(knaBlartneC 0.4 0.3 8.2 0.0 0.0 0.0 0.0
)latipacytiugegnidulcxe(sknaB 2.01 2.8 3.9 6.31 6.31 2.41 6.31
snaoL 0.5 3.3 9.2 1.5 5.5 3.5 8.4
stisopeD 8.3 6.3 3.4 7.5 3.5 9.5 1.6
seitirucestbeD 5.0 3.0 8.0 5.1 7.1 9.1 8.1
rehtO 0.1 1.1 3.1 3.1 1.1 0.1 0.1
sesirpretnelaicnanif?noN)latipacytiuqegnidulcxe(
6.91 1.12 8.12 0.42 1.52 0.82 6.92
srotsevnitceridmorfsnaoL 0.3 8.3 4.5 6.6 6.6 8.6 3.7
sesaellaicnaniF 3.1 5.1 5.1 3.1 3.1 3.1 4.1
snaolrehtO 3.51 7.51 9.41 0.61 2.71 0.02 0.12
16BULLETIN OF BANKING STATISTICS № 1 (116)
6.1elbaT
noitaredeFnaissuRehtfotbeDlanretxE)seicnerruCngieroFdnacitsemoDni(
).nlBDSU(
1002.21.13 2002.30.13 2002.60.03 2002.90.03
latoT 1.151 2.051 8.051 7.941
ycnerruCngieroF 9.741 7.741 1.841 9.641
ycnerruCcitsemoD 2.3 4.2 7.2 7.2
tnemnrevoGlareneG 5.311 5.111 7.801 5.601
ycnerruCngieroF 9.211 9.011 2.801 1.601
ycnerruCcitsemoD 6.0 5.0 5.0 4.0
)latipacytiugegnidulcxe(sknaB 6.31 6.31 2.41 6.31
ycnerruCngieroF 4.11 1.21 3.21 8.11
ycnerruCcitsemoD 2.2 5.1 8.1 8.1
)latipacytiuqegnidulcxe(sesirpretnelaicnanif?noN 0.42 1.52 0.82 6.92
ycnerruCngieroF 6.32 8.42 6.72 0.92
ycnerruCcitsemoD 4.0 4.0 4.0 6.0
7.1elbaT
noitaredeFnaissuRehtfotbeDlanretxE)ytirutaMyb(
).nlBDSU(
1002.21.13 2002.30.13 2002.60.03 2002.90.03
latoT 1.151 2.051 8.051 7.941
trohS seitilibailmret? 6.03 1.03 7.03 4.92
gnoL ? seitilibailmret 5.021 0.021 1.021 3.021
tnemnrevoGlareneG 5.311 5.111 7.801 5.601
trohS seitilibailmret, 2.71 5.71 6.71 1.71
stnemurtsnitekramyenoM 0.0 1.0 1.0 0.0
stisopeddnaycnerruC 2.4 2.4 3.4 3.4
sraerrA 9.21 2.31 3.31 8.21
gnoL , seitilibailmret 4.69 0.49 0.19 4.98
setondnasdnoB 3.92 7.82 1.82 4.82
snaoL 0.76 3.56 9.26 0.16
)latipacytiugegnidulcxe(sknaB 6.31 6.31 2.41 6.31
ohS rt, seitilibailmret 2.11 6.01 7.01 9.9
stnemurtsnitekramyenoM 0.1 7.0 8.0 6.0
snaoL 8.3 2.4 5.3 9.2
stisopeddnaycnerruC 2.5 8.4 4.5 5.5
seitilibailtbedrehtO 2.1 0.1 0.1 9.0
sraerrA 7.0 7.0 4.0 4.0
rehtO 5.0 3.0 5.0 5.0
gnoL seitilibailmret, 4.2 0.3 5.3 8.3
setondnasdnoB 6.0 0.1 1.1 2.1
snaoL 2.1 4.1 8.1 9.1
stisopeddnaycnerruC 5.0 5.0 5.0 6.0
seitilibailtbedrehtO 1.0 1.0 1.0 1.0
)latipacytiuqegnidulcxe(sesirpretnelaicnanif?noN 0.42 1.52 0.82 6.92
trohS seitilibailmret, 2.2 0.2 4.2 5.2
snaoL 2.2 0.2 4.2 5.2
gnoL seitilibailmret, 8.12 1.32 6.52 1.72
snaoL 8.12 1.32 6.52 1.72
17BULLETIN OF BANKING STATISTICS № 1 (116)
8.1elbaT
doirePfodnEtaaissuRfonoitisoPtnemtsevnIlanoitanretnI)atadyranimilerp(
)noillimDSU(
0002.21.13 1002.21.13
stessA 366,642 223,052
daorbastnemtsevnitceriD 493,21 437,41
sgninraedetsevnierdnalatipacytiuqE 327,01 526,21
latipacrehtO 176,1 011,2
stnemtsevnioiloftroP 852,1 292,1
seitirucesytiuqE 64 101
sknaB 51 11
srotcesrehtO 13 09
seitirucestbeD 212,1 191,1
setondnasdnoB 798 359
sknaB 453 243
srotcesrehtO 445 116
stnemurtsnitekram(yenoM 513 832
sknaB 513 132
srotcesrehtO 0 7
stnemtsevnirehtO 830,502 376,791
stidercedarT 318,71 595,71
tnemnrevoglareneG 555,4 590,4
mret(gnoL 155,4 190,4
mret(trohS 4 4
srotcesrehtO 852,31 005,31
snaoL 614,32 518,32
tnemnrevoglareneG 077,91 012,91
mret(gnoL 077,91 012,91
mret(trohS 0 0
sknaB 635,2 921,3
mret(gnoL 313,1 775,1
mret(trohS 322,1 255,1
srotcesrehtO 011,1 674,1
mret(gnoL 011,1 361,1
mret(trohS 0 213
stisopeddnaycnerruC 678,55 133,65
ycnerrucngierofhsaC 899,53 629,63
sknaB 536 429
srotcesrehtO 363,53 100,63
stisopedmret,gnoL 883 853
sknaB 883 853
stisopedmret,trohsdnastnuoccatnerruC 094,91 740,91
tnemnrevoglareneG 655,5 623,5
sknaB 580,31 805,31
srotcesrehtO 058 312
18BULLETIN OF BANKING STATISTICS № 1 (116)
.tnoC
noillimDSU( )
0002.21.13 1002.21.13
sraerrA 430,201 731,29
tnemnrevoglareneG 079,101 479,19
sknaB 46 361
srotcesrehtO 0 0
secivresdnasdoogfoylppus(nondnasdeecorpstropxefonoitairtaper(noNstcartnoctropmitsniaga
… …
stnemeergalatnemnrevogretniotgnidroccaseilppusnossendetbednI 784,3 658,3
stessarehtO 214,2 049,3
tnemnrevoglareneG 732 462
mret(gnoL 532 152
mret(trohS 2 31
sknaB 413 245
mret(gnoL 36 94
mret(trohS 152 394
srotcesrehtO 268,1 431,3
mret(gnoL 048 802,1
mret(trohS 220,1 629,1
stessaevreseR 279,72 226,63
dlogyratenoM 807,3 080,4
sthgirgniwardlaicepS 1 3
dnuFehtninoitisopevreseR 1 1
egnahcxengieroF 362,42 835,23
seitilibailL 369,561 120,561
aissuRnistnemtsevnitceriD 659,71 241,02
sgninraedetsevnierdnalatipacytiuqE 123,21 864,31
latipacrehtO 636,5 476,6
stnemtsevnioiloftroP 961,62 818,03
seitirucesytiuqE 876,4 453,5
sknaB 25 35
srotcesrehtO 626,4 103,5
seitirucestbeD 194,12 564,52
setondnasdnoB 661,12 454,42
tnemnrevoglareneG 655,91 275,22
sknaB 405 065
srotcesrehtO 701,1 223,1
stnemurtsnitekram(yenoM 523 110,1
tnemnrevoglareneG 32 63
sknaB 203 579
19BULLETIN OF BANKING STATISTICS № 1 (116)
dnE
noillimDSU( )
0002.21.13 1002.21.13
stnemtsevnirehtO 738,121 160,411
snaoL 999,001 323,29
knaBlartneC 018,2 0
tidercFMI 018,2 0
tnemnrevoglareneG 985,87 549,96
mret(gnoL 985,87 549,96
mret(trohS 0 0
sknaB 366,2 400,5
mret(gnoL 108 271,1
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20BULLETIN OF BANKING STATISTICS № 1 (116)
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23BULLETIN OF BANKING STATISTICS № 1 (116)
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10.13 836,92 888,52 788,52 1 1 947,3
20.82 543,82 195,42 685,42 3 1 457,3
30.13 907,92 249,52 839,52 3 1 767,3
40.03 056,13 868,72 468,72 3 1 287,3
50.13 055,33 947,92 247,92 5 1 108,3
60.03 350,53 152,13 432,13 61 1 108,3
70.13 205,63 496,23 776,23 71 1 708,3
80.13 394,73 686,33 286,33 3 1 708,3
90.03 759,73 440,43 040,43 3 1 319,3
01.13 200,83 610,43 210,43 3 1 689,3
11.03 882,73 772,33 372,33 3 1 110,4
21.13 226,63 245,23 835,23 3 1 080,4
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20.82 068,63 867,23 367,23 4 1 290,4
30.13 592,73 971,33 471,33 4 1 611,4
40.03 551,93 420,53 910,53 4 1 131,4
50.13 722,24 694,83 984,83 5 1 137,3
60.03 975,34 848,93 838,93 8 2 137,3
70.13 492,34 465,93 455,93 8 2 137,3
80.13 723,44 695,04 785,04 8 2 137,3
90.03 916,54 788,14 878,14 8 2 237,3
01.13 767,64 430,34 520,34 8 2 337,3
11.03 502,84 074,44 764,44 1 2 537,3
21.13 397,74 450,44 150,44 1 2 937,3
24BULLETIN OF BANKING STATISTICS № 1 (116)
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0.2
82,
70
1
30.
13
2.4
94,
11
96.
82
3,3
94
0.2
01
0.6
12
3.0
95,
33
29.
07
4,2
07
2.5
93,
99
38.
75.
68
1,2
33
8.3
92,
40
32.
00
6,8
31.
82
9,3
61
9.3
48,
53
1
40.
03
5.2
79,
96
90.
29
1,0
94
8.4
99.
70
21.
21
5,3
32
1.4
32,
71
75.
94
3,5
34
8.7
1.2
07,
33
36.
42
9,8
33
7.3
06,
44
2.7
19,
36
15.
39
1,0
41
50.
13
3.8
34,
43
0,1
7.8
22,
09
42.
88
1.2
02
2.4
61,
53
22.
07
6,1
47
5.1
13,
83
49.
01
8.7
64,
33
30.
14
3,7
63
5.7
92,
94
1.4
99,
56
14.
73
6,1
51
60.
03
0.1
51,
77
0,1
0.0
11,
88
42.
68
7.8
91
2.7
06,
43
26.
54
6,3
77
7.1
96,
47
45.
60.
25
8,9
23
9.4
43,
47
37.
01
5,7
40.
28
9,5
61
1.2
23,
65
1
70.
13
7.7
47,
52
1,1
5.5
45,
88
41.
68
5.3
91
0.2
55,
83
23.
03
8,4
87
5.7
95,
09
41.
82.
50
2,3
33
2.0
77,
50
41.
21
9,6
47.
07
9,5
61
4.0
43,
36
1
80.
13
9.8
92,
26
1,1
5.3
65,
29
43.
58
0.9
81
3.3
13,
93
22.
20
0,8
08
1.7
01,
70
58.
89.
49
1,7
33
7.2
51,
01
44.
29
2,0
51.
55
9,5
61
3.6
31,
37
1
90.
03
2.8
75,
77
1,1
4.9
74,
19
42.
58
3.5
81
3.2
21,
83
26.
67
0,8
38
7.1
79,
03
51.
85.
01
2,7
23
6.1
96,
39
36.
52
6,0
54.
39
8,5
61
3.0
75,
28
1
01.
13
8.3
03,
29
1,1
9.0
28,
78
42.
38
0.0
81
0.6
97,
33
26.
94
0,3
68
2.1
84,
13
56.
84.
30
2,6
82
8.9
35,
90
47.
62
0,1
56.
03
8,5
61
9.1
55,
98
1
11.
03
2.6
80,
77
1,1
1.7
59,
48
42.
28
4.4
71
1.4
57,
52
21.
68
9,6
38
5.6
82,
72
53.
01
8.6
37,
07
27.
71
1,2
14
0.8
07,
25
9.8
87,
56
12.
41
4,2
02
21.
13
1.0
58,
36
1,1
2.1
01,
88
49.
97
5.8
61
9.6
81,
05
21.
49
2,1
59
2.8
23,
48
57.
16.
31
4,7
82
4.3
19,
49
26.
82
7,7
29.
11
3,2
42
9.1
54,
62
1
20
02
10.
13
2.4
52,
08
1,1
0.4
53,
68
41.
97
5.1
51
3.6
28,
35
21.
86
4,3
68
3.8
04,
33
57.
13.
24
4,4
82
1.1
57,
36
39.
65
3,9
37.
46
2,3
32
4.7
37,
57
1
20.
82
4.3
24,
99
1,1
8.9
18,
00
53.
87
4.0
51
2.5
71,
33
27.
32
1,1
78
6.2
83,
34
56.
13.
64
7,1
92
5.7
49,
83
31.
33
7,0
48.
95
2,3
32
1.8
65,
89
1
30.
13
4.9
72,
22
2,1
7.4
67,
99
44.
77
3.3
82
3.5
47,
33
22.
86
8,0
98
1.3
39,
25
54.
17.
99
0,9
82
7.8
04,
34
38.
52
2,3
44.
71
2,3
32
7.4
55,
99
1
40.
03
7.1
94,
58
2,1
2.1
50,
21
55.
67
5.7
56
7.4
23,
23
25.
26
6,1
49
5.9
92,
01
66.
27.
90
9,4
62
3.1
76,
07
32.
64
3,4
58.
48
1,3
32
7.0
71,
02
2
50.
13
0.3
02,
68
3,1
6.8
92,
51
55.
67
2.4
69
0.6
28,
23
24.
68
5,4
00,
19.
66
4,7
06
4.2
3.8
82,
26
21.
24
1,4
93
2.0
01,
76
4.2
02,
24
20.
74
1,2
32
60.
03
9.9
91,
73
4,1
6.3
88,
02
53.
67
6.3
62,
13.
52
2,5
32
0.6
37,
94
0,1
0.4
39,
54
65.
24.
31
4,9
62
4.8
22,
09
34.
30
2,7
57.
57
1,2
42
8.2
90,
34
2
70.
13
9.9
49,
46
4,1
5.6
21,
41
52.
47
8.9
94,
19.
36
5,1
32
1.8
99,
94
0,1
5.4
27,
95
64.
29.
05
3,0
62
7.1
00,
33
43.
98
1,3
69.
45
1,2
42
1.6
07,
62
2
80.
13
2.8
22,
70
5,1
5.7
58,
91
51.
76
1.9
16,
16.
95
3,6
22
1.5
58,
89
0,1
9.3
40,
97
62.
22.
63
4,0
62
0.3
97,
81
47.
38
0,2
66.
33
1,2
42
4.1
19,
43
2
90.
03
1.5
70,
82
5,1
3.7
16,
51
55.
66
9.6
47,
13.
73
5,6
22
8.0
65,
40
1,1
4.0
65,
27
67.
12
6.8
74,
33
26.
38
5,4
24
3.0
76,
46
8.6
11,
24
26.
18
2,7
62
01.
13
7.9
04,
98
5,1
6.2
93,
15
55.
66
7.0
88,
15.
77
6,6
22
1.1
99,
61
1,1
9.1
08,
57
60.
42
6.0
50,
74
29.
33
7,2
64
9.3
87,
86
6.5
20,
24
29.
10
6,0
03
11.
03
7.7
34,
82
6,1
0.2
09,
75
53.
85
9.3
89,
16.
63
0,4
22
8.4
62,
56
1,1
0.5
94,
09
65.
72
4.2
49,
63
20.
68
7,1
64
6.1
61,
37
1.9
69,
14
28.
82
4,6
03
25BULLETIN OF BANKING STATISTICS № 1 (116)
31.
1el
ba
T
sn
oitutit
snI
tid
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fo
stn
uo
cc
Al
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56
78
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10
38.
18
5,6
74
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62
53.
13
5,8
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27
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23
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10
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26.
40
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55.
99
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15.
72
9,2
78.
84
7,0
88
1.5
79,
02
20.
82
0.8
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47
23.
25
8,9
75
0.0
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83
50.
45
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28.
39
1,1
71.
96
2,2
29
7.8
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02
30.
13
3.9
90,
38
22.
21
3,1
85
7.4
39,
64
55.
79
8,9
19.
52
2,3
77.
09
9,3
49
2.7
55,
91
40.
03
4.0
88,
26
24.
01
9,5
65
7.8
33,
16
52.
05
8,9
18.
05
6,4
77.
05
1,9
89
8.2
20,
81
50.
13
0.9
35,
18
27.
37
4,0
85
2.7
99,
66
50.
53
2,0
23.
26
4,0
76.
06
6,2
20,
16.
89
0,1
2
60.
03
5.0
46,
87
23.
33
3,3
46
7.8
54,
77
57.
17
8,1
29.
16
9,0
70.
93
1,5
50,
10.
13
7,9
1
70.
13
5.5
35,
37
23.
47
3,5
36
5.7
69,
59
55.
77
7,1
21.
49
4,1
78.
29
4,5
01,
13.
95
9,0
2
80.
13
6.8
92,
08
24.
31
0,9
06
9.9
91,
00
60.
72
1,2
26.
24
1,3
72.
99
3,7
61,
14.
44
5,6
1
90.
03
5.8
46,
48
28.
00
0,9
95
0.1
73,
89
59.
52
7,1
24.
43
1,6
77.
50
5,5
12,
13.
85
6,0
2
01.
13
3.8
62,
80
32.
44
6,4
06
4.7
46,
10
62.
42
8,2
27.
83
1,6
72.
60
0,9
42,
16.
45
2,9
1
11.
03
5.4
16,
88
21.
45
5,0
85
6.2
85,
88
50.
94
3,3
29.
27
9,3
77.
71
4,9
13,
18.
43
4,1
2
21.
13
2.9
03,
24
32.
39
3,9
35
2.2
36,
38
55.
54
2,6
21.
20
3,9
78.
81
9,8
83,
11.
78
4,2
2
20
02
10.
13
7.8
62,
40
36.
24
0,9
75
7.5
74,
79
57.
07
5,6
24.
17
2,0
81.
01
8,1
04,
18.
19
6,2
2
20.
82
9.3
14,
00
34.
31
6,6
06
4.9
99,
97
57.
68
9,7
25.
06
3,0
84.
89
6,3
44,
17.
61
8,0
2
30.
13
1.9
81,
80
31.
55
0,3
75
7.1
04,
89
53.
39
2,2
32.
02
8,1
89.
88
9,0
84,
16.
45
4,5
2
40.
03
0.9
16,
40
33.
98
2,5
95
7.3
54,
89
56.
98
4,3
34.
31
7,7
80.
51
3,0
25,
11.
97
4,4
2
50.
13
4.7
21,
76
33.
42
3,4
85
1.5
36,
91
61.
33
9,3
36.
01
1,9
83.
40
5,7
55,
15.
30
1,9
2
60.
03
9.3
33,
17
38.
20
8,2
75
0.4
66,
05
68.
11
3,7
37.
96
8,6
92.
06
7,1
16,
16.
03
7,7
2
70.
13
4.2
95,
75
35.
54
6,4
85
1.6
31,
75
62.
09
5,9
34.
46
8,2
01
6.0
08,
44
6,1
8.8
25,
82
80.
13
6.2
69,
38
33.
91
7,5
55
8.3
68,
34
69.
95
7,9
39.
71
4,8
01
1.4
34,
07
6,1
2.2
18,
92
90.
03
7.9
18,
29
36.
86
7,2
75
4.3
19,
33
68.
90
2,1
40.
85
5,0
11
4.0
15,
72
7,1
5.2
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13
01.
13
5.7
98,
00
40.
09
1,0
75
6.5
16,
85
67.
85
4,6
49.
01
8,7
01
0.4
46,
27
7,1
9.7
45,
63
11.
03
5.5
12,
63
40.
79
7,2
35
5.6
76,
67
63.
82
0,8
43.
23
6,8
01
5.9
87,
84
8,1
3.9
74,
43
26BULLETIN OF BANKING STATISTICS № 1 (116)
Ed
n
)sel
bur
noilli
m(
dn
am
eD
stiso
pe
d
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02
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74
5,4
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14
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32.
86
4,3
02
2.5
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73
4—
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,6
62
.8
10
02
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13
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33,
31
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33
2,0
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31,
55
40.
49
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6,1
71
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26.
11
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82
0,2
43.
28
3,0
12
3.4
34,
75
4—
13
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01
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20.
82
7.9
71,
52
41.
13
6,6
87
3.6
18,
90
50.
39
5,0
40.
40
4,6
81
4.1
03,
54
29.
39
5,3
60.
94
4,3
49.
89
6,2
12
3.2
05,
36
4—
81
,2
23
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13
6.0
96,
14
44.
94
9,3
77
4.8
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68
49.
05
3,2
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64
4,6
91
2.4
48,
16
25.
14
5,4
67.
35
3,3
49.
58
0,0
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1.7
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4—
23
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40.
03
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56
45.
74
1,5
67
4.3
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77
48.
21
9,7
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12
7,5
81
9.7
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65
21.
26
7,5
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52
3,2
53.
34
0,0
32
6.8
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28
4—
73
,6
14
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50.
13
6.8
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08
45.
83
4,1
97
1.8
53,
69
49.
87
1,1
40.
09
0,9
71
8.4
07,
36
28.
26
2,4
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03
8,9
66.
69
3,2
32
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31,
79
4—
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15
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60.
03
8.2
52,
59
47.
25
7,0
18
8.0
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40
59.
07
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41.
86
1,8
81
3.4
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01
39.
49
3,2
81.
76
2,8
51.
74
8,1
32
3.8
10,
41
5—
49
1,0
3.8
70.
13
3.6
78,
50
52.
92
2,7
28
5.0
55,
21
58.
21
9,2
47.
09
2,6
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0.0
77,
40
31.
59
4,5
84.
73
1,1
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79
7,5
32
2.9
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33
5—
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,6
61
.8
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13
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51
53.
49
5,9
28
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40
52.
81
7,7
35.
84
9,2
12
2.9
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41
33.
22
9,0
01
7.9
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07
7.1
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63
24.
80
7,0
35
—1
3,
53
8.3
90.
03
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42
53.
78
5,0
58
0.1
99,
01
57.
99
0,5
43.
58
9,8
32
9.7
82,
51
35.
62
8,4
91.
26
1,4
66.
79
3,5
32
9.2
44,
07
5—
08
,9
13
.2
01.
13
5.0
52,
23
56.
46
2,0
98
6.4
05,
23
51.
80
0,3
41.
93
3,4
42
5.8
48,
40
39.
26
0,7
81.
55
8,2
69.
96
0,1
32
9.1
32,
48
5—
85
,6
11
.3
11.
03
7.6
16,
11
52.
73
7,6
29
9.2
59,
44
54.
83
8,1
47.
71
4,4
42
2.7
99,
10
31.
27
1,2
98.
91
6,9
64.
96
1,3
22
7.0
20,
10
6—
07
,2
93
.8
21.
13
0.9
64,
58
56.
40
1,0
39
1.6
00,
02
52.
44
8,0
26.
13
2,8
52
6.8
99,
41
34.
93
9,7
68.
85
2,2
42.
50
6,7
42
1.8
08,
11
62.
85
9,0
8—
20
02
10.
13
9.3
97,
22
59.
75
8,6
79
2.3
16,
35
59.
59
2,0
40.
97
7,6
52
7.2
80,
70
36.
69
3,4
80.
34
2,6
56.
92
2,1
52
3.0
67,
43
6—
88
,5
36
.4
20.
82
0.3
43,
61
50.
53
3,0
20,
14.
44
0,1
85
7.2
66,
24
6.9
44,
95
28.
59
1,5
03
4.8
27,
48
3.8
43,
55
7.6
86,
03
29.
45
2,5
56
—2
8,
35
7.8
30.
13
4.0
41,
62
52.
26
3,1
30,
19.
04
0,4
75
3.5
50,
14
2.7
85,
56
23.
63
9,8
13
2.4
58,
38
1.1
87,
25
8.9
72,
13
23.
42
3,6
66
4.0
36,
69
—
40.
03
3.6
73,
31
56.
85
9,5
60,
11.
48
6,1
95
6.4
55,
44
6.5
03,
87
27.
58
1,7
23
2.6
74,
39
5.8
12,
06
9.1
03,
82
28.
36
9,6
86
0.3
52,
70
1—
50.
13
7.9
87,
96
50.
93
2,4
80,
14.
69
6,9
95
2.3
06,
14
4.7
46,
97
27.
20
7,8
33
9.6
46,
90
14.
46
7,2
74.
15
5,0
32
9.1
69,
89
60.
73
3,6
01
—
60.
03
4.4
16,
97
57.
47
2,2
01,
10.
03
1,4
06
0.7
13,
94
7.6
05,
99
25.
10
3,1
53
2.3
22,
89
8.3
33,
36
1.7
84,
23
26.
76
6,9
07
9.0
32,
19
—
70.
13
2.2
28,
87
50.
76
5,5
31,
15.
90
9,5
26
6.9
80,
74
7.7
34,
20
36.
81
3,3
53
5.4
09,
30
17.
28
4,9
69.
00
3,9
22
0.6
02,
12
76.
87
0,6
9—
80.
13
4.8
75,
07
54.
81
1,3
61,
19.
23
6,1
36
6.2
18,
44
9.0
99,
11
34.
89
6,2
63
8.1
44,
60
17.
28
0,2
73.
37
9,3
22
8.9
04,
53
75.
31
8,6
21
—
90.
03
5.8
31,
39
52.
71
0,3
91,
13.
05
5,6
46
7.9
70,
15
1.3
48,
82
38.
41
6,3
63
9.8
43,
00
16.
00
2,4
62.
25
1,4
22
4.9
94,
94
73.
12
6,4
31
—
01.
13
6.3
98,
99
50.
85
2,5
22,
14.
51
2,2
56
9.4
63,
25
1.5
39,
23
33.
09
0,3
73
5.5
98,
90
12.
12
4,3
72.
79
1,4
22
0.9
50,
36
78.
78
9,3
31
—
11.
03
7.3
79,
01
63.
39
2,5
62,
11.
54
8,0
76
5.3
53,
65
0.5
22,
35
36.
84
4,9
63
4.0
02,
60
16.
71
8,1
71.
46
9,9
12
8.6
79,
98
73.
54
8,3
31
—
27BULLETIN OF BANKING STATISTICS № 1 (116)
41.
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
00
02
21.
13
7.9
40,
93
79.
38
6,1
96,
13.
78
6,5
37
2.5
70,
47
4.6
93,
76
80.
52
5,4
18.
90
3,9
78
4.4
56,
08
64.
59
6,2
20.
95
0,1
91
7.2
13,
30
64.
20
7,3
5
10
02
10.
13
3.7
12,
86
70.
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
70.
49
3,9
35.
88
6,1
71
7.6
83,
12
65.
30
5,5
5
20.
82
3.6
41,
06
89.
27
1,8
96,
10.
87
2,4
86
2.6
92,
17
0.0
05,
22
97.
89
0,0
21.
08
1,9
28
1.1
46,
68
70.
39
5,0
40.
40
4,6
81
1.1
44,
72
61.
06
0,8
8
30.
13
7.5
77,
89
88.
91
5,8
07,
10.
82
4,1
76
9.7
23,
37
7.6
02,
44
92.
75
5,9
11.
18
3,8
58
2.7
59,
37
79.
05
3,2
48.
64
4,6
91
2.5
35,
33
63.
42
6,2
01
40.
03
9.2
37,
54
90.
17
9,8
17,
10.
44
8,6
36
6.5
47,
47
6.8
53,
98
98.
22
0,8
14.
90
2,8
19
3.5
51,
56
78.
21
9,7
48.
12
7,5
81
8.5
15,
64
68.
88
1,1
01
50.
13
3.9
37,
71
0,1
0.4
31,
01
7,1
2.2
26,
59
55.
05
5,0
77.
26
8,2
20,
16.
89
0,1
20.
33
5,8
39
4.9
44,
19
79.
87
1,1
40.
09
0,9
71
1.5
21,
36
67.
69
4,4
11
60.
03
0.8
77,
97
0,1
6.5
49,
45
7,1
9.8
28,
80
60.
84
0,1
77.
73
3,5
50,
10.
13
7,9
11.
10
9,7
89
2.9
57,
01
89.
07
1,2
41.
86
1,8
81
3.0
00,
08
61.
42
7,5
21
70.
13
8.6
41,
32
1,1
6.3
74,
19
7,1
7.7
42,
39
52.
08
5,1
74.
68
6,5
01,
13.
95
9,0
23.
09
0,5
10,
13.
73
2,7
28
8.2
19,
24
7.0
92,
69
19.
98
5,9
96
4.9
94,
33
1
80.
13
2.8
33,
91
1,1
9.8
40,
93
8,1
4.8
86,
18
59.
72
2,3
72.
88
5,7
61,
14.
44
5,6
18.
46
7,0
40,
11.
30
6,9
28
2.8
17,
73
5.8
49,
21
24.
36
6,6
96
1.9
86,
04
1
90.
03
6.0
80,
43
1,1
2.1
09,
31
9,1
3.2
33,
10
66.
91
2,6
70.
19
6,5
12,
13.
85
6,0
22.
33
9,4
70,
14.
59
5,0
58
7.9
90,
54
3.5
89,
83
23.
63
3,6
37
9.1
30,
20
1
01.
13
1.6
98,
50
2,1
2.8
25,
73
9,1
5.5
68,
29
59.
12
2,6
72.
68
1,9
42,
16.
45
2,9
10.
58
3,4
80,
12.
37
2,0
98
1.8
00,
34
1.9
33,
44
25.
26
0,0
57
3.6
53,
13
1
11.
03
3.6
09,
48
1,1
8.1
33,
48
9,1
8.9
42,
96
52.
55
0,4
70.
29
5,9
13,
18.
43
4,1
27.
13
1,8
50,
14.
74
7,6
29
4.8
38,
14
7.7
14,
44
27.
90
8,6
67
4.3
92,
13
1
21.
13
0.1
38,
00
1,1
0.7
38,
99
1,2
6.0
88,
80
70.
28
3,9
73.
78
0,9
83,
11.
78
4,2
22.
72
6,2
91,
13.
60
1,0
39
2.4
48,
02
6.1
32,
85
20.
02
1,4
58
8.8
37,
44
20
02
10.
13
9.1
77,
76
1,1
0.6
86,
04
1,2
0.2
86,
53
66.
05
3,0
86.
16
9,1
04,
18.
19
6,2
20.
82
4,9
70,
16.
95
8,6
79
9.5
92,
04
0.9
77,
65
29.
42
0,8
68
5.0
70,
78
20.
82
7.4
90,
90
2,1
6.7
42,
20
2,2
4.3
41,
75
68.
83
4,0
87.
84
8,3
44,
17.
61
8,0
28.
04
6,4
80,
17.
63
3,0
20,
17.
26
6,2
46.
94
4,9
52
6.4
15,
88
89.
73
7,5
11
30.
13
5.8
92,
78
1,1
7.7
25,
95
2,2
4.3
09,
07
65.
79
8,1
82.
27
2,1
84,
16.
45
4,5
28.
92
3,6
01,
16.
36
3,1
30,
13.
55
0,1
42.
78
5,5
62
8.1
45,
99
85.
84
9,2
01
40.
03
6.5
86,
88
2,1
0.9
95,
97
2,2
4.7
53,
64
60.
09
7,7
85.
27
9,0
25,
11.
97
4,4
27.
11
5,7
41,
12.
16
9,5
60,
16.
45
5,4
46.
50
3,8
72
6.8
41,
02
98.
20
8,1
11
50.
13
3.6
35,
96
3,1
9.3
09,
70
3,2
8.4
41,
13
61.
78
1,9
85.
86
4,8
55,
15.
30
1,9
26.
89
0,4
02,
14.
14
2,4
80,
12.
30
6,1
44.
74
6,9
72
3.4
61,
14
94.
58
6,6
21
60.
03
9.7
82,
98
3,1
5.6
97,
02
4,2
1.6
90,
38
60.
64
9,6
98.
32
0,3
16,
16.
03
7,7
24.
90
5,4
52,
12.
77
2,2
01,
10.
71
3,9
47.
60
5,9
92
3.3
48,
15
97.
03
6,2
51
70.
13
9.5
29,
53
4,1
3.4
21,
21
4,2
5.6
53,
43
66.
83
9,2
01
4.0
03,
64
6,1
8.8
25,
82
3.2
40,
86
2,1
4.9
65,
53
1,1
6.9
80,
74
7.7
34,
20
39.
06
3,3
69
2.0
55,
13
1
80.
13
8.2
18,
93
4,1
0.7
38,
84
4,2
6.6
84,
83
60.
58
4,8
01
2.3
50,
27
6,1
2.2
18,
92
1.1
90,
28
2,1
6.0
21,
36
1,1
6.2
18,
44
9.0
99,
11
33.
34
5,7
79
3.1
90,
90
1
90.
03
3.0
57,
30
5,1
6.2
89,
59
4,2
2.8
95,
42
66.
42
6,0
11
3.7
52,
92
7,1
5.2
05,
13
0.2
56,
10
3,1
0.9
30,
39
1,1
7.9
70,
15
1.3
48,
82
32.
61
6,1
99
0.3
05,
33
1
01.
13
7.8
54,
93
5,1
8.8
23,
65
5,2
8.8
73,
73
64.
77
8,7
01
7.4
25,
47
7,1
9.7
45,
63
9.3
03,
31
3,1
0.2
82,
52
2,1
9.4
63,
25
1.5
39,
23
36.
48
0,5
00,
11.
71
8,6
61
11.
03
7.3
48,
45
5,1
5.5
35,
06
6,2
2.2
95,
66
66.
09
6,8
01
4.3
77,
05
8,1
3.9
74,
43
8.8
14,
73
3,1
8.0
23,
56
2,1
5.3
53,
65
0.5
22,
35
39.
54
9,1
30,
12.
51
1,1
71
28BULLETIN OF BANKING STATISTICS № 1 (116)
51.
1el
ba
T
ylp
pu
Sy
en
oM
)n
oitinif
eDl
an
oita
N(
sel
bur
noilli
b,)
2M(
ylp
pus
ye
no
Myl
pp
usy
en
om
niht
wor
g%
lat
oT
:hci
hw
fo
htn
om
su
oiver
pm
orfr
aey
eht
fo
gni
nni
ge
bm
orf)
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noit
alucric
nihs
acs
dn
ufhs
ac(n
on
00
02
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—
30.
13
5.9
41,
14.
99
31.
05
76.
35.
0
40.
03
0.0
12,
14.
53
47.
47
73.
57.
5
50.
13
7.3
32,
13.
83
44.
59
70.
28.
7
60.
03
3.4
92,
17.
47
46.
91
89.
41.
31
70.
13
2.0
33,
16.
09
46.
93
88.
23.
61
80.
13
5.5
63,
11.
70
54.
85
87.
23.
91
90.
03
4.4
14,
10.
13
54.
38
86.
36.
32
01.
13
2.1
44,
15.
13
57.
90
99.
10.
62
11.
03
1.9
34,
13.
72
58.
11
91.
0—
8.5
2
21.
13
6.2
06,
13.
48
53.
81
0,1
4.1
1—
20
02
10.
13
0.2
05,
14.
33
56.
86
93.
6—
3.6
—
20.
82
9.2
25,
14.
34
55.
97
94.
10.
5—
30.
13
4.2
65,
19.
25
55.
90
0,1
6.2
5.2
—
40.
03
3.1
26,
13.
01
60.
11
0,1
8.3
2.1
50.
13
0.6
86,
15.
70
65.
87
0,1
0.4
2.5
60.
03
1.1
57,
19.
54
62.
50
1,1
9.3
3.9
70.
13
1.6
77,
17.
95
63.
61
1,1
4.1
8.0
1
80.
13
5.2
18,
10.
97
64.
33
1,1
1.2
1.3
1
90.
03
6.6
48,
16.
27
60.
47
1,1
9.1
2.5
1
01.
13
6.4
88,
18.
57
68.
80
2,1
1.2
6.7
1
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93
2,1
4.2
4.0
2
29BULLETIN OF BANKING STATISTICS № 1 (116)
61.
1el
ba
T
es
aB
yrat
en
oM
da
orB
)sel
bur
noilli
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30BULLETIN OF BANKING STATISTICS № 1 (116)
2.
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TO
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T
31BULLETIN OF BANKING STATISTICS № 1 (116)
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 — 2002.40.8 52
2002.40.9 — 2002.80.6 32
2002.80.7 — 12
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8991.90.1 — 8991.11.03 01 5
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9991.30.91 — 9991.60.9 7 5
9991.60.01 — 9991.21.13 5.8 5.5
0002.10.1 — 01 7
32BULLETIN OF BANKING STATISTICS № 1 (116)
4.2
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33BULLETIN OF BANKING STATISTICS № 1 (116)
5.2
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botc
O—
48.
51
——
68.
92
63.
69
8.4
25
1.4
78.
81
30.
0
re
bm
evo
N—
53.
31
——
63.
52
32.
00
6.6
25
9.9
19
3.4
12
1.0
re
bm
ece
D—
76.
16
——
16.
91
31.
62
6.1
1—
79.
0—
20
02
yra
un
aJ4
5.0
18.
94
41.
0—
30.
13
86.
02
0.7
26.
10
0.9
61.
0
yra
urb
eF
43.
08
6.1
46
1.0
—1
7.6
26
0.0
70.
51
52.
38
1.7
55.
5
hcra
M—
72.
02
——
25.
33
97.
26
8.7
23
3.3
69.
57
2.6
lirp
A—
83.
13
——
86.
54
04.
02
1.5
16
8.3
79.
19
5.1
ya
M—
26.
83
10.
0—
69.
02
65.
04
3.3
22
6.2
92.
80
6.5
en
uJ9
2.0
11.
83
67.
04
2.0
38.
12
50.
01
4.8
17
4.3
21.
51
27.
1
yluJ
42.
08
8.5
1—
—7
7.4
30
4.0
60.
02
31.
64
1.8
18
3.4
tsu
gu
A3
1.0
58.
25
——
66.
74
1.0
47.
51
38.
04
3.0
21
3.2
re
bm
etp
eS
22.
27
8.4
54
1.0
—1
4.0
14
1.0
88.
64
9.2
08.
60
6.5
1
re
botc
O0
7.3
58.
25
30.
0—
09.
89
3.0
35.
81
83.
30
2.2
12
0.0
re
bm
evo
N9
7.1
14
8.8
53
7.0
40.
08
4.6
94.
02
3.7
62.
15
9.6
01.
6
re
bm
ece
D2
1.9
42.
47
20.
0—
82.
1—
43.
51
——
—
34BULLETIN OF BANKING STATISTICS № 1 (116)
6.2
elb
aT
eta
Rel
bu
Rot
rall
oD
SU
lai
ciffO
)DSU/
elbur(
htn
oM
eht
fo
sya
D
12
34
56
78
90
11
12
13
14
15
1
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
hcra
M2
6.8
22
6.8
25
6.8
2—
—6
6.8
23
6.8
22
6.8
2—
——
26.
82
76.
82
56.
82
66.
82
lirp
A4
7.8
2—
77.
82
68.
82
68.
82
68.
82
68.
82
——
48.
82
97.
82
78.
82
68.
82
28.
82
—
ya
M3
8.8
2—
—8
8.8
26
9.8
2—
—6
9.8
26
9.8
2—
59.
82
69.
82
——
99.
82
en
uJ4
1.9
25
1.9
2—
—6
1.9
26
1.9
26
1.9
26
1.9
23
1.9
23
1.9
2—
——
21.
92
80.
92
yluJ
——
61.
92
81.
92
81.
92
71.
92
71.
92
——
22.
92
32.
92
02.
92
12.
92
02.
92
—
tsu
gu
A2
3.9
20
3.9
23
3.9
26
3.9
2—
—4
3.9
21
3.9
21
3.9
24
3.9
24
3.9
2—
—1
3.9
23
3.9
2
re
bm
etp
eS
14.
92
——
14.
92
54.
92
54.
92
54.
92
34.
92
——
34.
92
44.
92
54.
92
74.
92
54.
92
re
botc
O—
34.
92
54.
92
84.
92
05.
92
25.
92
——
25.
92
25.
92
05.
92
35.
92
05.
92
——
re
bm
evo
N8
6.9
20
7.9
23
7.9
2—
—4
7.9
28
6.9
2—
86.
92
17.
92
——
17.
92
27.
92
27.
92
re
bm
ece
D0
9.9
2—
—3
9.9
23
9.9
24
9.9
22
9.9
25
9.9
2—
—9
0.0
38
0.0
3—
91.
03
81.
03
20
02
yra
un
aJ4
1.0
3—
—4
1.0
34
1.0
3—
——
41.
03
85.
03
05.
03
44.
03
——
54.
03
yra
urb
eF
86.
03
86.
03
——
37.
03
27.
03
37.
03
27.
03
67.
03
——
28.
03
48.
03
48.
03
38.
03
hcra
M4
9.0
34
9.0
3—
—9
9.0
39
9.0
39
9.0
39
9.0
3—
——
60.
13
50.
13
80.
13
20.
13
lirp
A2
1.1
37
1.1
37
1.1
39
1.1
38
1.1
38
1.1
3—
—9
1.1
36
1.1
37
1.1
30
2.1
37
1.1
3—
—
ya
M0
2.1
3—
——
——
02.
13
02.
13
12.
13
——
——
52.
13
52.
13
en
uJ1
3.1
3—
—1
3.1
33
3.1
35
3.1
39
3.1
30
4.1
3—
—0
4.1
39
3.1
3—
04.
13
04.
13
yluJ
54.
13
05.
13
15.
13
15.
13
15.
13
25.
13
——
35.
13
55.
13
55.
13
45.
13
65.
13
——
tsu
gu
A6
4.1
32
5.1
35
5.1
3—
—4
5.1
33
5.1
35
5.1
36
5.1
38
5.1
3—
—6
5.1
33
5.1
34
5.1
3
re
bm
etp
eS
——
75.
13
16.
13
16.
13
16.
13
16.
13
——
36.
13
36.
13
46.
13
56.
13
46.
13
—
re
botc
O8
6.1
39
6.1
30
7.1
38
6.1
38
6.1
3—
—8
6.1
38
6.1
38
6.1
37
6.1
37
6.1
3—
—7
6.1
3
re
bm
evo
N7
7.1
36
7.1
3—
—7
7.1
39
7.1
38
7.1
3—
——
87.
13
87.
13
28.
13
28.
13
28.
13
re
bm
ece
D—
—5
8.1
36
8.1
36
8.1
36
8.1
36
8.1
3—
—6
8.1
36
8.1
36
8.1
3—
——
35BULLETIN OF BANKING STATISTICS № 1 (116)
Ed
n
)DSU/
elbur(
htn
oM
eht
fo
sya
D
61
71
81
91
02
12
22
32
42
52
62
72
82
92
03
13
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
——
—
hcra
M6
6.8
26
6.8
2—
—5
6.8
22
6.8
25
6.8
26
7.8
26
7.8
2—
—6
7.8
23
7.8
26
7.8
26
7.8
24
7.8
2
lirp
A—
58.
82
68.
82
78.
82
09.
82
88.
82
——
48.
82
58.
82
09.
82
68.
82
38.
82
38.
82
——
ya
M4
0.9
22
0.9
27
0.9
29
0.9
2—
—9
0.9
28
0.9
27
0.9
28
0.9
27
0.9
2—
—7
0.9
20
1.9
29
0.9
2
en
uJ7
0.9
2—
—5
0.9
29
0.9
24
1.9
28
0.9
20
1.9
2—
—0
1.9
29
0.9
22
1.9
21
1.9
27
0.9
2—
yluJ
—3
2.9
21
2.9
24
2.9
27
2.9
28
2.9
2—
—5
2.9
28
2.9
25
2.9
23
2.9
25
2.9
2—
—7
2.9
2
tsu
gu
A4
3.9
25
3.9
26
3.9
2—
—7
3.9
25
3.9
25
3.9
27
3.9
27
3.9
2—
—5
3.9
26
3.9
26
3.9
27
3.9
2
re
bm
etp
eS
——
44.
92
34.
92
54.
92
34.
92
04.
92
——
24.
92
34.
92
04.
92
04.
92
93.
92
——
re
botc
O1
5.9
29
4.9
24
5.9
25
5.9
25
5.9
2—
—4
5.9
24
5.9
27
5.9
29
5.9
23
6.9
2—
—8
6.9
20
7.9
2
re
bm
evo
N6
7.9
28
7.9
2—
—0
8.9
21
9.9
20
9.9
20
9.9
23
9.9
2—
—3
9.9
23
9.9
23
9.9
20
9.9
2—
re
bm
ece
D—
—0
3.0
38
2.0
38
2.0
36
2.0
38
0.0
3—
—2
1.0
32
1.0
31
2.0
34
1.0
3—
——
20
02
yra
un
aJ8
4.0
38
4.0
38
5.0
38
5.0
3—
—8
5.0
36
5.0
36
5.0
34
5.0
39
5.0
3—
—6
6.0
35
6.0
39
6.0
3
yra
urb
eF
28.
03
——
28.
03
98.
03
88.
03
68.
03
48.
03
——
—9
8.0
33
9.0
3—
——
hcra
M7
0.1
3—
—1
1.1
32
1.1
33
1.1
33
1.1
32
1.1
3—
—5
1.1
34
1.1
31
1.1
37
0.1
32
1.1
32
1.1
3
lirp
A5
1.1
35
1.1
35
1.1
36
1.1
37
1.1
3—
—5
1.1
35
1.1
36
1.1
38
1.1
30
2.1
30
2.1
3—
02.
13
—
ya
M5
2.1
36
2.1
36
2.1
36
2.1
3—
62.
13
62.
13
72.
13
82.
13
92.
13
——
92.
13
03.
13
13.
13
13.
13
en
uJ—
—9
3.1
31
4.1
33
4.1
34
4.1
35
4.1
3—
—7
4.1
38
4.1
36
4.1
34
4.1
35
4.1
3—
—
yluJ
94.
13
84.
13
45.
13
45.
13
35.
13
——
15.
13
05.
13
05.
13
35.
13
15.
13
——
74.
13
44.
13
tsu
gu
A6
5.1
37
5.1
3—
—6
5.1
37
5.1
37
5.1
37
5.1
37
5.1
3—
—8
5.1
35
5.1
38
5.1
37
5.1
37
5.1
3
re
bm
etp
eS
—3
6.1
32
6.1
33
6.1
34
6.1
34
6.1
3—
—3
6.1
34
6.1
34
6.1
34
6.1
34
6.1
3—
——
re
botc
O8
6.1
38
6.1
38
6.1
37
6.1
3—
—0
7.1
33
7.1
32
7.1
31
7.1
33
7.1
3—
—4
7.1
30
7.1
34
7.1
3
re
bm
evo
N2
8.1
3—
—2
8.1
32
8.1
32
8.1
32
8.1
32
8.1
3—
—4
8.1
34
8.1
34
8.1
34
8.1
34
8.1
3—
re
bm
ece
D6
8.1
35
8.1
36
8.1
36
8.1
35
8.1
35
8.1
3—
—0
8.1
39
7.1
39
7.1
39
7.1
38
7.1
3—
—8
7.1
3
36BULLETIN OF BANKING STATISTICS № 1 (116)
7.2
elb
aT
eta
Rel
bu
Rot
oru
El
aiciff
O)or
ue/
elbur(
htn
oM
eht
fo
sya
D
12
34
56
78
90
11
12
13
14
15
1
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
hcra
M9
2.6
22
4.6
23
6.6
2—
—5
7.6
20
6.6
20
8.6
2—
——
27.
62
57.
62
15.
62
81.
62
lirp
A9
2.5
2—
32.
52
74.
52
68.
52
41.
62
09.
52
——
20.
62
58.
52
86.
52
46.
52
17.
52
—
ya
M7
6.5
2—
—0
9.5
20
8.5
2—
—4
8.5
25
7.5
2—
66.
52
05.
52
——
33.
52
en
uJ2
8.4
22
7.4
2—
—3
8.4
23
6.4
26
8.4
20
7.4
21
7.4
28
7.4
2—
——
58.
42
68.
42
yluJ
——
07.
42
47.
42
27.
42
26.
42
93.
42
——
97.
42
88.
42
69.
42
20.
52
98.
42
—
tsu
gu
A8
6.5
21
8.5
28
8.5
28
8.5
2—
—3
8.5
28
7.5
21
7.5
25
9.5
26
1.6
2—
—1
2.6
23
3.6
2
re
bm
etp
eS
10.
72
——
27.
62
15.
62
21.
62
41.
62
43.
62
——
26.
62
44.
62
49.
62
27.
62
87.
62
re
botc
O—
77.
62
99.
62
61.
72
20.
72
21.
72
——
90.
72
91.
72
59.
62
39.
62
16.
62
——
re
bm
evo
N9
8.6
27
7.6
29
8.6
2—
—1
7.6
22
6.6
2—
36.
62
34.
62
——
55.
62
74.
62
12.
62
re
bm
ece
D2
5.6
2—
—7
7.6
21
6.6
22
7.6
27
5.6
25
7.6
2—
—9
7.6
23
8.6
2—
90.
72
40.
72
20
02
yra
un
aJ2
6.6
2—
—3
2.7
29
0.7
2—
——
98.
62
92.
72
91.
72
41.
72
——
22.
72
yra
urb
eF
34.
62
03.
62
——
74.
62
67.
62
26.
62
46.
62
28.
62
——
78.
62
40.
72
99.
62
78.
62
hcra
M6
7.6
23
8.6
2—
—2
8.6
25
9.6
20
0.7
20
2.7
2—
——
81.
72
02.
72
71.
72
32.
72
lirp
A5
1.7
25
2.7
21
4.7
21
4.7
28
4.7
28
3.7
2—
—0
4.7
24
2.7
26
4.7
26
4.7
25
4.7
2—
—
ya
M8
1.8
2—
——
——
75.
82
85.
82
15.
82
——
——
16.
82
63.
82
en
uJ7
3.9
2—
—1
2.9
29
4.9
20
5.9
23
3.9
20
7.9
2—
—6
5.9
23
6.9
2—
56.
92
66.
92
yluJ
80.
13
23.
13
30.
13
39.
03
97.
03
07.
03
——
90.
13
71.
13
63.
13
12.
13
41.
13
——
tsu
gu
A7
8.0
30
8.0
30
1.1
3—
—4
0.1
33
8.0
35
5.0
39
7.0
34
6.0
3—
—4
7.0
35
8.0
33
1.1
3
re
bm
etp
eS
——
99.
03
81.
13
15.
13
54.
13
24.
13
——
99.
03
68.
03
78.
03
58.
03
80.
13
—
re
botc
O4
1.1
32
3.1
35
1.1
39
2.1
34
2.1
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37BULLETIN OF BANKING STATISTICS № 1 (116)
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7.2
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6.2
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38BULLETIN OF BANKING STATISTICS № 1 (116)
8.2elbaT
setouQslateMsuoicerPaissuRfoknaB)margrepselbur(
setouqfoetaDdloG revliS munitalP muidallaP
yub lles yub lles yub lles yub lles
2002.21.2 43.323 95.623 31.4 65.4 45.335 33.906 81.442 76.962
2002.21.3 87.323 40.723 31.4 65.4 08.135 43.706 12.442 07.962
2002.21.4 58.623 41.033 41.4 75.4 26.335 24.906 53.242 56.762
2002.21.5 62.823 65.133 62.4 07.4 02.735 15.316 88.432 04.952
2002.21.6 55.133 88.433 03.4 57.4 41.835 85.416 03.922 42.352
2002.21.9 45.133 78.433 43.4 97.4 46.245 27.916 01.232 33.652
2002.21.01 91.233 35.533 13.4 67.4 19.935 06.616 22.032 62.452
2002.21.11 79.923 82.333 72.4 17.4 43.635 25.216 73.822 12.252
2002.21.51 85.833 89.143 24.4 88.4 46.245 37.916 87.222 40.642
2002.21.61 12.933 26.243 24.4 88.4 24.345 16.026 00.912 68.142
2002.21.71 35.743 30.153 83.4 48.4 31.745 58.426 19.022 79.342
2002.21.81 94.343 59.643 04.4 68.4 00.935 65.516 96.322 50.742
2002.21.91 23.253 78.553 13.4 67.4 46.145 85.816 74.622 11.052
2002.21.02 25.943 40.353 04.4 68.4 82.435 71.016 20.812 87.042
2002.21.32 18.943 23.353 43.4 97.4 73.435 72.016 25.602 80.822
2002.21.42 78.053 04.453 03.4 57.4 91.625 49.006 39.312 72.632
2002.21.52 78.053 04.453 92.4 47.4 91.625 49.006 39.312 72.632
2002.21.62 68.053 93.453 92.4 47.4 81.625 29.006 39.312 62.632
2002.21.72 51.453 07.753 92.4 47.4 61.435 40.016 35.812 53.142
2002.21.03 53.453 19.753 43.4 08.4 67.735 51.416 64.912 73.242
2002.21.13 05.843 00.253 93.4 58.4 67.735 51.416 76.612 92.932
39BULLETIN OF BANKING STATISTICS № 1 (116)
3.
FIN
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40BULLETIN OF BANKING STATISTICS № 1 (116)
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41BULLETIN OF BANKING STATISTICS № 1 (116)
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42BULLETIN OF BANKING STATISTICS № 1 (116)
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49BULLETIN OF BANKING STATISTICS № 1 (116)
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50BULLETIN OF BANKING STATISTICS № 1 (116)
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51BULLETIN OF BANKING STATISTICS № 1 (116)
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24
53BULLETIN OF BANKING STATISTICS № 1 (116)
dn
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1
54BULLETIN OF BANKING STATISTICS № 1 (116)
5.3.3elbaT
tekraMseitiruceStnemnrevoGnosetaRtseretnIdethgieWegarevA).a.p%(
etaDsmretnoitpmedernoseitirucestnemnrevoG
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2002.21.2 08.21 53.31 37.31
2002.21.3 29.21 12.31 96.31
2002.21.4 64.21 51.31 96.31
2002.21.5 48.21 22.31 16.31
2002.21.6 09.21 10.31 95.31
2002.21.9 69.21 30.31 76.31
2002.21.01 49.21 10.31 66.31
2002.21.11 66.21 19.21 56.31
2002.21.51 86.21 31.31 86.31
2002.21.61 08.21 31.31 76.31
2002.21.71 98.21 80.31 57.31
2002.21.81 25.21 79.21 66.31
2002.21.91 66.21 59.21 56.31
2002.21.02 09.21 90.31 77.31
2002.21.32 00.41 33.31 36.31
2002.21.42 09.31 54.31 67.31
2002.21.52 39.31 05.31 77.31
2002.21.62 48.21 92.31 76.31
2002.21.72 56.21 01.31 26.31
2002.21.03 86.21 01.31 16.31
2002.21.13 96.21 01.31 16.31
55BULLETIN OF BANKING STATISTICS № 1 (116)
4.3elbaT
secidnItekraMseitiruceSetaroproCemoS
etaDrevonrutedartXECIM revonrutedartSTR
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2002.21.2 41.523,6 46.891 71.813 35.31 10.163
2002.21.3 11.394,7 32.532 58.413 30.12 42.253
2002.21.4 89.070,6 65.091 37.903 04.71 41.643
2002.21.5 26.937,4 77.841 47.013 36.7 58.743
2002.21.6 20.878,3 37.121 04.313 96.11 25.943
2002.21.9 24.656,6 39.802 87.313 74.51 98.053
2002.21.01 46.649,5 56.681 30.903 48.61 79.843
2002.21.11 23.786,5 25.871 26.503 84.41 55.243
2002.21.51 93.071,3 15.99 44.603 46.7 25.243
2002.21.61 87.822,7 98.622 81.203 84.71 65.933
2002.21.71 95.665,6 51.602 81.113 98.81 33.743
2002.21.81 66.561,6 35.391 10.803 47.11 54.643
2002.21.91 96.882,7 97.822 05.313 06.7 78.053
2002.21.02 96.232,5 72.461 83.413 93.5 27.253
2002.21.32 53.837,5 02.081 75.413 57.9 22.453
2002.21.42 73.928,3 34.021 36.113 70.7 95.253
2002.21.52 36.585,3 87.211 33.413 88.01 42.153
2002.21.62 17.497,21 54.204 76.513 12.4 28.453
2002.21.72 26.116,7 34.932 08.813 69.4 71.953
2002.21.03 45.047,2 22.68 36.713 73.7 69.853
2002.21.13 16.871,1 80.73 19.813 51.3 70.953
56BULLETIN OF BANKING STATISTICS № 1 (116)
4.
CR
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NS
TIT
UT
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S P
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57BULLETIN OF BANKING STATISTICS № 1 (116)
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58BULLETIN OF BANKING STATISTICS № 1 (116)
dn
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60BULLETIN OF BANKING STATISTICS № 1 (116)
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61BULLETIN OF BANKING STATISTICS № 1 (116)
4.1.
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62BULLETIN OF BANKING STATISTICS № 1 (116)
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63BULLETIN OF BANKING STATISTICS № 1 (116)
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67BULLETIN OF BANKING STATISTICS № 1 (116)
2.2.
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sel
bu
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la
no
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68BULLETIN OF BANKING STATISTICS № 1 (116)
3.2.
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T
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69BULLETIN OF BANKING STATISTICS № 1 (116)
4.2.
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T
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70BULLETIN OF BANKING STATISTICS № 1 (116)
5.2.
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sd
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7,2
71BULLETIN OF BANKING STATISTICS № 1 (116)
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72BULLETIN OF BANKING STATISTICS № 1 (116)
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73BULLETIN OF BANKING STATISTICS № 1 (116)
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74BULLETIN OF BANKING STATISTICS № 1 (116)
4.3
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75BULLETIN OF BANKING STATISTICS № 1 (116)
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76BULLETIN OF BANKING STATISTICS № 1 (116)
3.3.
4el
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77BULLETIN OF BANKING STATISTICS № 1 (116)
4.3.
4el
ba
T
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78BULLETIN OF BANKING STATISTICS № 1 (116)
5.3.
4el
ba
T
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79BULLETIN OF BANKING STATISTICS № 1 (116)
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80BULLETIN OF BANKING STATISTICS № 1 (116)
6.3.
4el
ba
T
slliB
det
nu
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81BULLETIN OF BANKING STATISTICS № 1 (116)
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82BULLETIN OF BANKING STATISTICS № 1 (116)
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83BULLETIN OF BANKING STATISTICS № 1 (116)
4.4
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31
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29
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13
93
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94,
40
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38
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86
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58
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43
26,
94
26,
72
82
0,1
03
3,2
95
55
2,7
21
51,
81
50
14
14,
3
84BULLETIN OF BANKING STATISTICS № 1 (116)
.tn
oC
)sel
bur
noilli
m(
seitir
uces
fo
esa
hcru
per
esrev
ern
os
mial
Cs
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esf
oes
ahcr
up
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ever
rof
smi
alC
yrevil
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seitili
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ato
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49
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70
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21
83,
56
50,
11
85BULLETIN OF BANKING STATISTICS № 1 (116)
dn
E
)sel
bur
noilli
m(
slat
em
su
oicer
pf
oyr
evile
dn
os
eitilib
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baiL
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fo
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per
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36
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97
5,2
54
2,3
86BULLETIN OF BANKING STATISTICS № 1 (116)
5.
SE
LE
CT
ED
IN
DIC
AT
OR
S C
HA
RA
CT
ER
ISIN
G T
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ST
AT
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F R
US
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AY
ME
NT
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EM
1.5
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aT
met
sy
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ne
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det
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ne
my
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hw
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pet
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87BULLETIN OF BANKING STATISTICS № 1 (116)
2.5
elb
aT t
ne
my
aP
fo
do
hte
My
bs
met
sy
St
ne
my
aP
etavir
Pd
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met
sy
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my
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ais
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54.
73
4,4
4Q
3.1
02,
18
0.7
26,
22
5.6
07,
27
7.7
83,
61
8.4
94,
83.
93
2,6
1.5
08,
39
9.0
49,
21
9.2
38,
74
6.8
70,
92.
27
9,5
43.
26
8,3
20
02
1Q
7.9
75,
17
2.6
06,
51
3.0
13,
56
6.7
20,
41
4.9
62,
66.
87
5,1
0.3
60,
58
9.5
80,
31
8.0
15,
24
5.5
47,
82.
25
5,2
44.
04
3,4
2Q
7.0
44,
78
1.2
76,
71
7.5
52,
08
1.9
62,
61
0.5
81,
70.
30
4,1
8.5
38,
69
2.8
79,
51
8.9
44,
25
0.2
28,
01
0.6
83,
44
2.6
51,
5
3Q
3.0
67,
09
3.7
39,
91
7.4
33,
48
4.6
43,
81
6.5
24,
69.
09
5,1
6.6
40,
89
6.2
83,
41
2.5
79,
25
1.0
64,
01
4.1
70,
54
5.2
29,
3
88BULLETIN OF BANKING STATISTICS № 1 (116)
3.5
elb
aT
met
sy
St
ne
my
aP
ais
su
Rf
ok
na
Bf
osr
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me
Msr
em
ots
uC
no
ata
Dai
ss
uR
fo
kn
aB
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stn
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uc
oD
cin
ortc
elE
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gn
ah
cx
Esr
eb
me
m—
se
hcn
arb
dn
as
noit
utitsni
tid
ercg
nitar
ep
Om
etsyst
ne
mya
paiss
uR
fo
kn
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fo
sei
do
byr
usa
erTl
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de
F1
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10
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30.
13
68
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63
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77
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88
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78
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41
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97
3
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28
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98
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51
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25
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04
1
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03
90
1,3
23
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78
3,1
64
36
15,
76
46
1
1.
ata
d”sr
em
otsu
Caiss
uR
fo
kn
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re
htO“
nid
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pes
nw
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to
ner
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sei
do
byr
usa
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00
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4.5
elb
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Sci
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El
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la
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11
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73
1,1
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91
13,
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19
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53,
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21.
13
57
1,1
53
1,1
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32
3,1
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71
8,1
57
6,1
99
5,1
51
3,4
15
0,4
16
8,3
1.
aissu
Rf
ok
na
Bhti
wst
nu
occa
bus
tn
ed
no
pserr
ochti
ws
noit
utitsni
tid
ercf
os
ehc
nar
B
89BULLETIN OF BANKING STATISTICS № 1 (116)
5.5
elb
aT
sd
nu
Ff
ok
ca
Lot
gni
wO
dia
pn
Ust
ne
mu
co
Dt
ne
meltt
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fo
sg
olk
ca
Bf
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ula
V)
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hc
nar
B(s
noit
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Of
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stn
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stn
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pO
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pt
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hw
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dia
pn
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elb
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Bni
sel
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m
tn
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elttes
dia
pn
uni
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muc
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htd
na
sn
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derc
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hcn
arb
sel
bur
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m
stn
em
uco
dt
ne
meltt
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ap
nu
dn
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tid
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der
etsig
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ne
dn
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hcn
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rie
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10
02
30.
13
81
3,1
62
09
8,4
75
7,3
65
97
71
60.
03
91
3,1
22
84
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94
9,3
22
87
71
90.
03
02
3,1
81
06
5,4
11
7,3
47
65
71
21.
13
32
3,1
41
29
8,3
72
2,3
18
54
8
20
02
30.
13
62
3,1
71
58
6,3
75
1,3
78
41
4
60.
03
92
3,1
89
95,
36
70,
33
05
02
90.
03
33
3,1
77
32,
49
74,
36
47
21
90BULLETIN OF BANKING STATISTICS № 1 (116)
6.5
elb
aT
sdr
aC
kn
aB
gni
sU
det
ne
mel
pmI
sn
oitc
as
nar
Tg
nisir
etc
ara
hC
srot
aci
dnI
det
cel
eS
sla
udivi
dni
etavir
py
bd
etcu
dn
ocs
noit
are
pO
seitit
nel
ag
ely
bd
etcu
dn
ocs
noit
are
pO
sdr
ack
na
bf
o.
on
,es
uni
stin
ud
nas
uo
ht
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of
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ulavl
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gnis
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etcu
dn
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drac
kn
ab
sel
bur
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m
:hci
hw
fo
sdr
ack
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bf
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on
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elb
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skro
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acs
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10
02
1Q
58
5,7
64
5,0
72
89,
46
46
5,5
83
71
2,4
48
8,2
33
3,1
2Q
82
4,8
74
0,0
95
50,
48
29
9,5
14
94
3,4
48
8,3
56
4
3Q
37
3,9
53
6,6
01
12
3,9
94
13,
78
40
30,
51
65,
49
64
4Q
24
5,0
15
19,
82
15
13,
02
10
06,
81
59
33,
67
47,
52
95
20
02
1Q
87
4,1
17
36,
72
17
10,
81
10
26,
95
53
95,
41
77,
32
28
2Q
39
4,2
13
77,
55
19
55,
54
14
12,
01
57
66
8,7
94
9,6
71
9
3Q
77
7,3
14
56,
08
14
30,
86
10
26,
21
78
67
3,7
83
3,6
83
0,1
91BULLETIN OF BANKING STATISTICS № 1 (116)
6.1 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
4.34.6
4.7
5.9
5.6
5.8
5.3
6.7
6.4
6.2
2.72.82.3
2.2
2.1
2.9
2.1
2.2
2.11.91.9
1.1
1.2
2.6
0,0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
Q1
19
94
Q3
19
94
Q1
19
95
Q3
19
95
Q1
19
96
Q3
19
96
Q1
19
97
Q3
19
97
Q1
19
98
Q3
19
98
Q1
19
99
Q3
19
99
Q1
20
00
Q3
20
00
Q1
20
01
Q3
20
01
Q1
20
02
Q3
20
02
mo
nth
s o
f im
po
rt
Actual international reserves adequacy ratio Internationally recognized adequacy ratio
6.2 Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits
0,0
0,5
1,0
1,5
2,0
2,5
3,0
3,5
4,0
4,5
5,0
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
Mar
ch 2
00
1A
pri
l 20
01
May
20
01
Jun
e 2
00
1Ju
ly 2
00
1A
ug
ust
20
01
Sep
tem
ber
20
01
Oct
ob
er 2
00
1N
ove
mb
er 2
00
1D
ecem
ber
20
01
Jan
uar
y 2
00
2Fe
bru
ary
20
02
Mar
ch 2
00
2A
pri
l 20
02
May
20
02
Jun
e 2
00
2Ju
ly 2
00
2A
ug
ust
20
02
Sep
tem
ber
20
02
Oct
ob
er 2
00
2N
ove
mb
er 2
00
2D
ecem
ber
20
02
%
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)
6. CHARTS AND DIAGRAMS
92BULLETIN OF BANKING STATISTICS № 1 (116)
6.3 Structure of Aggregate Assets of Credit Institutions as of 30.11.2002
10.40%
12.71%
16.14%
2.59%44.09%
0.82%
13.26%
ReservesForeign assetsClaims on general governmentClaims on non(financial public enterprisesClaims on non(financial private enterprises and householdsClaims on other financial institutionsOther assets
6.4 Structure of Aggregate Liabilities of Credit Institutions as of 30.11.2002
14.57%30.17%
1.34%
8.42%8.81%
2.53% 5.25%
18.84%
10.06%
Demand depositsTime and savings deposits and foreign currency depositsRestricted depositsMoney market instrumentsForeign liabilitiesGeneral government depositsLiabilities to monetary authoritiesCapital accountsOther liabilities
93BULLETIN OF BANKING STATISTICS № 1 (116)
6.6 Structure of Broad Monetary Base as of 31.12.2002
66.03%
13.77%
16.32%3.85% 0.04%
cash in circulation, including cash balances in bank vaultscredit institutions’ correspondent accounts in Bank of Russia
required reservesbank deposits with Bank of RussiaBank of Russia obligations on reverse repurchase of securities
6.5 Structure of Broad Monetary Base as of 31.12.2001
67.16%
15.57%
16.87% 0.40%
cash in circulation, including cash balances in bank vaults
credit institutions’ correspondent accounts in Bank of Russia
required reserves
bank deposits with Bank of Russia
94BULLETIN OF BANKING STATISTICS № 1 (116)
6.7 Interest Rates Dynamics in 1997—2002
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
1M
arch
20
01
May
20
01
July
20
01
Sep
tem
ber
20
01
No
vem
ber
20
01
Jan
uar
y 2
00
2M
arch
20
02
May
20
02
July
20
02
Sep
tem
ber
20
02
No
vem
ber
20
02
% 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
6.8 Corporate securities market indices
220
260
300
340
380
1.1
1.2
00
25
.11
.20
02
10
.11
.20
02
12
.11
.20
02
14
.11
.20
02
18
.11
.20
02
20
.11
.20
02
22
.11
.20
02
26
.11
.20
02
28
.11
.20
02
2.1
2.2
00
24
.12
.20
02
6.1
2.2
00
21
0.1
2.2
00
21
5.1
2.2
00
21
7.1
2.2
00
21
9.1
2.2
00
22
3.1
2.2
00
22
5.1
2.2
00
22
7.1
2.2
00
23
1.1
2.2
00
2
po
ints
0
80
160
240
320
400
$ m
illio
n
MICEX trade turnover(right(hand scale)
RTS trade turnover(right(hand scale)
MICEX index (left(hand scale)
RTS index (left(hand scale)
95BULLETIN OF BANKING STATISTICS № 1 (116)
6.9 Official Ruble Exchange Rate Dynamics in January, 2000 — December, 2002
22
24
26
28
30
32
34
1.0
1.2
00
01
.02
.20
00
1.0
3.2
00
01
.04
.20
00
1.0
5.2
00
01
.06
.20
00
1.0
7.2
00
01
.08
.20
00
1.0
9.2
00
01
.10
.20
00
1.1
1.2
00
01
.12
.20
00
1.0
1.2
00
11
.02
.20
01
1.0
3.2
00
11
.04
.20
01
1.0
5.2
00
11
.06
.20
01
1.0
7.2
00
11
.08
.20
01
1.0
9.2
00
11
.10
.20
01
1.1
1.2
00
11
.12
.20
01
1.0
1.2
00
21
.02
.20
02
1.0
3.2
00
21
.04
.20
02
1.0
5.2
00
21
.06
.20
02
1.0
7.2
00
21
.08
.20
02
1.0
9.2
00
21
.10
.20
02
1.1
1.2
00
21
.12
.20
02
rub
le
Official US Dollar to Ruble Exchange Rate Official Euro to Ruble Exchange Rate
6.10 Dynamics of Foreign Cash Purchase and Sale Transactions with Individuals by Authorized Banks and Their Branches
0
200
400
600
800
1,000
1,200
1,400
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
Mar
ch 2
00
1A
pri
l 20
01
May
20
01
Jun
e 2
00
1Ju
ly 2
00
1A
ug
ust
20
01
Sep
tem
ber
20
01
Oct
ob
er 2
00
1N
ove
mb
er 2
00
1D
ecem
ber
20
01
Jan
uar
y 2
00
2Fe
bru
ary
20
02
Mar
ch 2
00
2A
pri
l 20
02
May
20
02
Jun
e 2
00
2Ju
ly 2
00
2A
ug
ust
20
02
Sep
tem
ber
20
02
Oct
ob
er 2
00
2N
ove
mb
er 2
00
2
$ m
illio
n
Foreign cash purchases from individuals
Foreign cash sales to individuals
96BULLETIN OF BANKING STATISTICS № 1 (116)
6.11 Foreign Cash Sources in November, 2002
24.36%
28.50%
8.72%
33.10%5.32%
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
6.12 Structure of Foreign Cash Expenditures in November, 2002
29.12%
15.99%48.23%
1.59%
5.07%
Banks' exports from Russia cash accounts debit
Sales to resident banks
Sales to individuals
Payments from personal foreign currency accounts residents and nonresidents
Other
97BULLETIN OF BANKING STATISTICS № 1 (116)
6.13 Structure of Registered Credit Institutions
0
20
40
60
80
1003
1.0
1.2
00
02
9.0
2.2
00
03
1.0
3.2
00
03
0.0
4.2
00
03
1.0
5.2
00
03
0.0
6.2
00
03
1.0
7.2
00
03
1.0
8.2
00
03
0.0
9.2
00
03
1.1
0.2
00
03
0.1
1.2
00
03
1.1
2.2
00
03
1.0
1.2
00
12
8.0
2.2
00
13
1.0
3.2
00
13
0.0
4.2
00
13
1.0
5.2
00
13
0.0
6.2
00
13
1.0
7.2
00
13
1.0
8.2
00
13
0.0
9.2
00
13
1.1
0.2
00
13
0.1
1.2
00
13
1.1
2.2
00
13
1.0
1.2
00
22
8.0
2.2
00
23
1.0
3.2
00
23
0.0
4.2
00
23
1.0
5.2
00
23
0.0
6.2
00
23
1.0
7.2
00
23
1.0
8.2
00
23
0.0
9.2
00
23
1.1
0.2
00
23
0.1
1.2
00
23
1.1
2.2
00
2
% 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
6.14 Credit Institutions Grouped by Registered Authorized Capital
0
10
20
30
40
50
60
70
80
90
100
31
.01
.20
00
31
.03
.20
00
31
.05
.20
00
31
.07
.20
00
30
.09
.20
00
30
.11
.20
00
31
.01
.20
01
31
.03
.20
01
31
.05
.20
01
31
.07
.20
01
30
.09
.20
01
30
.11
.20
01
31
.01
.20
02
31
.03
.20
02
31
.05
.20
02
31
.07
.20
02
30
.09
.20
02
30
.11
.20
02
% 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
98BULLETIN OF BANKING STATISTICS № 1 (116)
0
20
40
60
80
100
% s
ha
re o
f bo
rro
win
gs
(f
rom
ma
jor
sou
rce
s)
1—5 6—20 21—50 51—200 201—1,000 1,001—1,332
Credit institutions grouped by assets
6.15 Comparative Data on Major Sources of Borrowing by Credit Institutions as of 30.11.2002
(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—1,332
Credit institutions grouped by assets
6.16 Comparative Data on Major Allocations of Funds by Credit Institutions as of 30.11.2002
(Based on Credit Institutions Grouped by Assets)
Investment in shares and equity interest of resident corporations (except banks)Investment in billsInvestment in government securities
Credits extended to banksPersonal loansCorporate loans
99BULLETIN OF BANKING STATISTICS № 1 (116)
6.18 Structure of personal deposits as of 30.11.2002
19.77%
24.73%12.94%
37.34%
1.38%
0.08%
3.77%
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
6.17 Structure of personal deposits as of 30.11.2001
28.89%
0.15%
5.33%
31.83%
9.05%
24.15%
0.61%
demand deposits
up to 30 days
31 to 90 days
91 to 180 days181 days to 1 year
1 year to 3 years
3 years and more
100BULLETIN OF BANKING STATISTICS № 1 (116)
6.19 Dynamics of Debt on Credits Extended
0
500
1,000
1,500
2,000
2,500
31
.01
.20
00
31
.03
.20
00
31
.05
.20
00
31
.07
.20
00
30
.09
.20
00
30
.11
.20
00
31
.01
.20
01
31
.03
.20
01
31
.05
.20
01
31
.07
.20
01
30
.09
.20
01
30
.11
.20
01
31
.01
.20
02
31
.03
.20
02
31
.05
.20
02
31
.07
.20
02
30
.09
.20
02
30
.11
.20
02
bill
ion
ru
ble
s
—30
—20
—10
0
10
20
30
40
%
Debt on loans to banks
Debt on personal loans
Debt on corporate loans
Overdue debt on loans as % at the beginning of the 1999 year (right(hand scale)
6.20 Ratio Dynamics between Payments Value of Credit Institutions (Branches) and Cash Balances in Their Correspondent Accounts (Subaccounts)
with Bank of Russia in 2002 Q3
0
50
100
150
200
250
300
350
02
.07
.20
02
04
.07
.20
02
08
.07
.20
02
10
.07
.20
02
12
.07
.20
02
16
.07
.20
02
18
.07
.20
02
22
.07
.20
02
24
.07
.20
02
26
.07
.20
02
30
.07
.20
02
01
.08
.20
02
05
.08
.20
02
07
.08
.20
02
09
.08
.20
02
13
.08
.20
02
15
.08
.20
02
19
.08
.20
02
21
.08
.20
02
23
.08
.20
02
27
.08
.20
02
29
.08
.20
02
02
.09
.20
02
04
.09
.20
02
06
.09
.20
02
10
.09
.20
02
12
.09
.20
02
16
.09
.20
02
18
.09
.20
02
20
.09
.20
02
24
.09
.20
02
26
.09
.20
02
30
.09
.20
02
bill
ion
ru
ble
s
Value of Payments Debited by Bank of Russia to Correspondent Accounts (Subaccounts) of Credit Institutions (Branches)
Cash Balances in Correspondent Accounts (Subaccounts) of Credit Institutions (Branches) with Bank of Russia
101BULLETIN OF BANKING STATISTICS № 1 (116)
6.21 Ruble Credits Extended to Legal Entities (by Economic Sector) and Individuals as of 30.09.2002
33.94%
3.53%
4.66%23.40%
3.87%
20.13%
10.47%
Industry Agriculture Construction Trade
Transport Other sectors Individuals
6.22 Foreign Currency Credits Extended to Legal Entities (by Economic Sector) and Individuals as of 30.09.2002
43.80%
0.67%4.82%17.19%
5.19%
24.12%
4.21%
Industry Agriculture Construction Trade
Transport Other sectors Individuals
102BULLETIN OF BANKING STATISTICS № 1 (116)
6.23 Dynamics of Debt on Loans Extended to Individual Sectors of Economy in Rubles and Foreign Currency
0
200
400
600
800
1,000
1,200
1,400
1,600
30
.06
.19
98
30
.09
.19
98
30
.12
.19
98
30
.03
.19
99
30
.06
.19
99
30
.09
.19
99
30
.12
.19
99
30
.03
.20
00
30
.06
.20
00
30
.09
.20
00
30
.12
.20
00
30
.03
.20
01
30
.06
.20
01
30
.09
.20
01
30
.12
.20
01
30
.03
.20
02
30
.06
.20
02
30
.09
.20
02
bill
ion
ru
ble
s
Industry Agriculture
Construction Trade and public cateringTransport and communications Other sectors
6.24 Dynamics of Overdue Debt on Loans Extended to Individual Sectors of Economy in Rubles and Foreign Currency
0
5
10
15
20
25
30
35
40
45
30
.06
.19
98
30
.09
.19
98
30
.12
.19
98
30
.03
.19
99
30
.06
.19
99
30
.09
.19
99
30
.12
.19
99
30
.03
.20
00
30
.06
.20
00
30
.09
.20
00
30
.12
.20
00
30
.03
.20
01
30
.06
.20
01
30
.09
.20
01
30
.12
.20
01
30
.03
.20
02
30
.06
.20
02
30
.09
.20
02
bill
ion
ru
ble
s
Industry AgricultureConstruction Trade and public cateringTransport and communications Other sectors
103BULLETIN OF BANKING STATISTICS № 1 (116)
Table 1.1Macroeconomic Indicators
General Provisions
The “Macroeconomic Indicators” table contains major(indicative) indicators characterizing the country’smacroeconomic situation.
Individual Indicators Highlights
Gross domestic product (GDP) — end result of residentproducers’ economic operations for the reporting period.
The GDP can be calculated on the basis of three methods:production method, end use method, and income distributionmethod.
The table presents GDP calculated by production methodas a difference between overall output of goods and servicesacross the country, on the one hand, and intermediateconsumption, on the other, or as a sum total of values addedthat are created by the economy.
Depending on the research area, GDP can be also calculatedby end use method as a sum total of costs across all economicsectors for final consumption, gross capital formation, and netexport. The framework for SNA calculations implies the use ofincome distribution method for compiling GDP which reflectsprimary income received by units directly involved in production,as well as by general government (spending units) and non-profit organizations serving households.
Pursuant to Procedures for developing and submittingdata on the gross domestic product (approved on 19 October1998), since October 1998 GDP has been calculated byGoskomstat with an annual and quarterly frequency.
Collecting more reliable data and applying new informationsources can entail updates of GDP’s current statisticalestimates.
GDP estimates and final results of its calculations arereleased by Goskomstat in due course in Goskomstat’s regularreports “Russia’s Socio—Economic Situation”, “StatisticalReview” Bulletin, other publications, as well as in the IMFstatistical publication “International Financial Statistics”.
For more details on the compilation of the “Gross DomesticProduct” indicator see the first issue of “MethodologicalProvisions on Statistics” (Moscow: Logos, 1996).
Percentage GDP against the previous year’s relevantperiod is calculated by the RF Committee on Statistics(Goskomstat of Russia) in comparable prices for the previousyear.
Percentage output of basic industries’ productionand services to the previous year’s relevant period —since October 1998 is calculated by Goskomstat on themonthly basis for measuring major economic developmenttendencies as the index of production output change by fivebasic industries (manufacturing, agriculture, construction,transport, trade, and public catering) covering approximately70% of an overall production and services output acrossRussia.
The Federal budget deficit to gross domestic productpercentage is calculated by the CBR as a percentage ratioof the federal budget deficit to the gross domestic product fora corresponding period.
Sources for calculating the said indicator are Goskomstat’sdata on gross domestic product and the RF Finance Ministryreport data on the federal budget performance.
Consumer price index (CPI) — one of the most importantindicators characterizing inflation rate. CPI reflects a changein time of the overall level of prices of goods and servicespurchased by households for nonproduction use. This index iscalculated by Goskomstat as a ratio of cost for a fixed set ofgoods and services in the current period to its cost in theprevious (base) period.
CPI monthly data are released in Goskomstat’s regularreports “Russia’s Socio—Economic Situation”, “StatisticalReview” Bulletin, other publications by Goskomstat, as well asin the IMF “International Financial Statistics”.
For more details on compiling this indicator see the firstissue of “Methodological Provisions on Statistics” (Moscow:Logos, 1996).
Table 1.2Individual Indicators Featuring the Fiscal Sphere
General Provisions
The “Individual Indicators Featuring the Fiscal Sphere”table comprises information on accumulated financial resourcesand expenditures made in the Russian Federation budgetarysphere, and also shows apportionment of the consolidatedbudgetary revenues and expenditures between the revenuesand expenditures of the federal budget and consolidatedregional budgets in the Russian Federation.
The table’s structure has been developed on the basis ofthe Russian Federation budgetary classification.
Individual Indicators Highlights
Budgetary revenues — money received on an irrevocablebasis as grants in compliance with the Russian Federationlaws to the discretion of the Russian Federation governmentauthorities, government authorities in the Russian Federationmember territories, and local governments. Budget revenuesare formed through tax and nontax receipts, and grants.
Tax receipts — incorporate federal, regional, and localtaxes and fees as well as fines and penalties envisaged by theRussian Federation tax law.
Nontax revenues include: revenues from the use ofgovernment or municipal property; revenues from selling orany other revocable divestiture of government or municipalproperty; receipts from paid services rendered by relevantgovernment authorities, by local authorities, and by spendingunits reporting respectively to federal executive authorities, tothe Russian Federation member territories, local authorities,funds received as a result of the enforcement of civil-law andadministrative penalties and criminal persecution, includingconfiscation and redress, and also funds received ascompensation for the damage done to the Russian Federationand its constituent territories and municipalities and otherconfiscated funds; revenues in the form of financial aid andbudgetary loans received from the budgets of other levels ofthe Russian budgetary system; other tax revenues.
Budgetary expenditures — funds transferred to financethe government and local authorities’ purposes and functions.
Budget deficit/surplus — excess of budgetaryexpenditures over its revenues/excess of budgetary revenuesover its expenditures.
Indicators in this table are calculated on a monthly basisby the Russian Federation Finance Ministry.
More detailed information on the federal budget deficit isreleased in the “Sources of Funding the Federal BudgetDeficit” table.
Table 1.3Sources of Funding the Federal Budget Deficit
General Provisions
The “Sources of Funding the Federal Budget Deficit” tableshows amounts and a breakdown of sources for funding thefederal budget deficit on a cash basis (raising funds —repaying the principal debt).
Section 1. Major Macroeconomic and Monetary Indicators
6. SUMMARY METHODOLOGY
104BULLETIN OF BANKING STATISTICS № 1 (116)
The table incorporates major sources of covering thefederal budget deficit. Their grouping was based on thebudgetary classification approved by federal law.
All indicators in the table are calculated by the RussianFederation Finance Ministry on a monthly basis.
Table 1.4The Russian Federation Balance of Payments
General Provisions
Balance of payments of the Russian Federation (hereafterreferred to as balance of payments) is a statistical statement,which reflects all economic transactions between the RussianFederation residents and nonresidents1 within a reportingperiod.
The table “Russian Federation Balance of Payments” iscompiled and published by the Bank of Russia (CBR) on aquarterly basis.
Balance of payments data are one of the major instrumentsused for elaborating the country’s macroeconomic policies —namely, foreign trade policy, foreign exchange regulation andcontrol, exchange rate policy.
Balance of payments is compiled by the CBR based on(i) the Law “On the Central Bank of the Russian Federation(Bank of Russia)” dated July 10, 2002 and (ii) the RussianFederation Government Order No. 849 dated July 18, 1994. TheInternational Monetary Fund’s 5th edition of the “Balance ofPayments Manual” (1993) serves as a methodological basisfor the balance of payments.
Sources of information comprise reporting data on allforeign economic transactions performed by Russianresidents. These data are regularly obtained by the CBR fromRussia’s Ministry of Finance (Minfin), State Customs Committee(SCC), State Statistics Committee (Goskomstat), FederalMigration Service, Federal Border Patrol Service, DefenseMinistry, Emergencies Ministry, as well as from creditinstitutions and nonfinancial enterprises.
A specific list of report forms and other sources ofinformation applied when compiling the balance of paymentsis presented in special issues of the CBR weekly edition“Vestnik Banka Rossii” that contain more detailed data on thebalance of payments for the reporting period, and compilationmethodology (e.g., see “Vestnik Banka Rossii” No. 24—25(452—453) dated May 15, 2000).
The table “Russian Federation Balance of Payments” is ananalytical presentation of balance of payments. In contrastwith the neutral presentation prescribed by the internationalstandards, an analytical presentation makes it possible toencompass the economy’s specifics and to group the data inthe way that reveals the most significant transactions (inparticular, based on the balance of payments’ financial accountit is possible to identify (i) total financial resources attractedfrom nonresidents that is treated as a net increase in Russia’stotal foreign liabilities (investments in the Russian economy),and (ii) a net increase in Russia’s foreign assets (net capitaloutflow abroad); classification of assets and liabilities bydomestic institutional sector helps assess the effect oftransactions performed by a particular sector on the country’sbalance of payments, etc.).
Balance of payments data for the previous years aresubject to revision mainly because of the updating of a primarydatabase (e.g., the SCC makes quarterly updates of itspreviously released data). Such revisions are also tied with theappearance of new sources of information, and the improvement
of methodologies for calculating individual indicators. Suchan approach provides users of balance of payments statisticswith access to the most exhaustive data that meet comparabilityrequirements.
Balance of payments data for the reporting period areavailable on the CBR’s Internet website and published (i) in theweekly print edition “Vestnik Banka Rossii”, (ii) in mass media(“Rossiyskaya Gazeta”, etc.), and (iii) in the IMF’s “InternationalFinancial Statistics” and “Balance of Payments StatisticsYearbook”.
Individual Indicators Highlights
1. Current account includes transactions in goods andservices, income, and current transfers.
1.1. Goods. Recorded in this item is the value of thegoods, ownership of which was transferred within a reportingperiod from residents to nonresidents (exports) and fromnonresidents to residents (imports). Apart from the exportsand imports of goods registered by the SCC, the item involvesthe following transactions in goods that are not registered bythe SCC: (i) fish and marine products caught in open sea andsold to nonresidents outside the customs border of theRussian Federation; (ii) goods procured in domestic/foreignports by carriers; (iii) goods for repairs; (iv) goods exported/imported by migrants; (v) goods undeclared and/or inad-equately declared when imported by legal entities; (vi) goodsexported/imported by individuals for the subsequent selling;(vii) other goods.
Exports and imports of goods are given in terms of f.o.b.values (the f.o.b. value is a delivery term, which implies that thevalue of the goods includes the transaction value as well as thevalue of delivery and loading on board the carrier at the borderof an exporting country).
1.2. Services includes services performed by residentsfor nonresidents and by nonresidents for residents — namely,transportation services, travel services, communicationsservices, construction services, financial services, insuranceservices, computer and information services, royalties andlicense fees, cultural and recreational services, governmentservices, and other business services.
1.3. Investment income and compensation ofemployees includes income on production factors (labour,capital) provided by residents to nonresidents and vice versa.
The item “compensation of employees” shows employeecompensation earned by residents working abroad, andcompensation earned by nonresidents employed in the Russianeconomy.
Recorded in the item “Investment income” is incomesderived from a resident’s ownership of foreign financial assets,i.e. receipts paid by nonresidents to residents on holdings offoreign assets (interest, dividends, and other similar types ofincome) and vice versa.
1.4. Current transfers. A transfer is an economictransaction resulting in provision by one institutional unit toanother of a commodity, service, asset and ownership withoutany counterparts of a commodity, service, asset andownership being received in return. Transfers are subdividedinto current transfers and capital transfers. The transfersthat can’t be regarded as capital in accordance with thedefinition are treated as current transfers (for the definitionof capital transfers see paragraph 2.1.1). Recorded as currenttransfers are those augmenting disposable income and po-tential power of a recipient country’s consumption, and reducingdisposable income and potential power of a donor country’s(e.g., humanitarian aid in the form of consumer goods andservices, and cash grants, unless the latter is capital transfers).
1 Economic transaction is defined as an economic flow that reflects the creation, transformation, exchange, transfer or extinction of economic value and involves changesin 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 economic territory. All the other institutional unitsare regarded as non-residents.Institutional unit is an economic unit, which can own assets, assume liabilities, implement entire spectrum of economic transactions from its behalf. Treated as such unitsare 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; within this territory, persons, goods andcapital circulate freely.An institutional unit has a center of economic interest within the country’s economic territory, on which the unit engages and intends to continue engaging in economicactivities and transactions on a significant scale.
105BULLETIN OF BANKING STATISTICS № 1 (116)
2. Capital and financial account includes two majorcategories: (i) capital account and (ii) financial account.
2.1. Capital account reflects capital transfers.2.1.1. Capital transfers result in changes in volume of
recipient and donor’s assets and liabilities, (e.g., provision ofownership of a fixed capital without a quid pro quo, debtforgiveness). A provision of funds, when no counterpart isreceived in return, is treated as a capital transfer only in casethe funds are assigned for acquisition of fixed assets, andcapital construction. Another feature of capital transfers is theirsignificant volume and irregular character.
2.2. Financial account. Recorded under this categoryare transactions in assets and liabilities performed by residentsvis-а-vis nonresidents. Assets and liabilities are classified bysector of the Russian economy — general government, bankingsector, other sectors — which are further classified function-ally into direct investment, portfolio investment, otherinvestment, and reserve assets.
2.2.1. Direct investment is the form of internationalinvestment that is performed by a resident entity of oneeconomy for the purpose of obtaining a lasting interest in anenterprise resident in another economy. The lasting interestimplies the existence of a long-term relationship between thedirect investor and the enterprise, and a significant degree ofinfluence by the investor on the management of the enterprise.Direct investment comprises not only the initial transactionsin acquiring participation in the equity, but also all subsequenttransactions between the investor and the enterprise. Accordingto the internationally approved definition of direct investmentdeveloped by the OECD, invested capital can be regarded asdirect investment when a direct investor owns 10 percent ormore of the ordinary shares of an enterprise.
2.2.2. Portfolio investment includes, in addition toparticipation in the capital, negotiable debt instruments andfinancial derivatives. Excluded are the aforementionedinstruments included under direct investment and reserveassets.
2.2.3. Other investment. All financial transactions notcovered under direct investment, portfolio investment, andreserve assets, are classified under “other investment” item.Assets and liabilities included in other investment are classifiedby type of financial instrument — namely, currency in cash,loans, trade credits, indebtedness on supplies according tointergovernmental agreements, non-repatriation of exportsproceeds and non-supply of goods and services againstimport advances, other assets and liabilities.
2.2.4. Reserve assets comprises monetary gold andliquid foreign assets of the Bank of Russia and Minfin of Russiain hard currencies. They include cash foreign exchange, reverserepos with nonresidents, bank deposits with nonresidentbanks (as well as with resident banks, up to the 3rd quarter of1999,), government securities and other securities issued bynonresidents, assets with the IMF (special drawing rights —SDRs, reserve position in the Fund), and other liquid assets.
Starting from the 3rd quarter of 1999, the value of balancesin foreign currency on resident banks’ accounts with the Bankof Russia is deducted from the amount of the internationalreserves, except for the funds extended by the Bank of Russiato the Vnesheconombank for the servicing of the governmentforeign debt.
Starting with the data for the 3rd quarter of 2002, the amountof reserve assets is given net of the assets, which is a collateralagainst the Bank of Russia’s short-term liabilities vis-а-visnonresidents denominated in hard currencies.
2.3. Net errors and omissions. Labeled by somecompilers as a balancing item or statistical discrepancy, thisitem is intended as an offset to the overstatement orunderstatement of the components recorded in the balance ofpayments.
Table 1.5External Debt of the Russian Federation
(According to International Methodology)
General Provisions
Data on external debt play an important role in analysisof external vulnerability of national economy.
When elaborating and preparing the data Bank of Russia’sexperts are guided by the definition of external debt reflectedin the draft jointly developed by international organizations,namely External Debt Statistics. Guide for compilers andusers (2001) stating that external debt as of the reporting dateis the outstanding amount of actual current (not contingent)liabilities, which are owed to nonresidents by residents of aneconomy and which require payments of interest and/orprincipal.
Calculation of external debt amount according to theinternational methodology includes indebtedness of all sectorsof an economy vis-a-vis nonresidents irrespective of type ofcurrency the indebtedness is nominated in.
Indebtedness on negotiable instruments is adjusted totransactions on secondary market between residents andnonresidents and covers only the liabilities to the latter.
As follows from the definition, the key feature of debt is theobligation of a debtor to make payment of interest and/orprincipal. Therefore, the table includes debt securities valuedat face values, and excludes equity capital, guarantees, opencredit lines and other contingent liabilities.
Such approach provides for compatibility of external debtdata with other macroeconomic systems within an economy(balance of payments, international investment position,statistics of national accounts) and on the international level.
Structurally, the table focuses on the following economicsectors as main functional categories, namely:— General government.— Bank of Russia (with respect to the IMF credit).— Banking system.— Nonfinancial enterprises.
Starting January 1, 2002, the item “Bank of Russia” is nolonger singled out separately under the external debt of theRussian Federation due to the final repayment of the IMF creditin Q4, 2001
Among sources of the information are report forms of theBank of Russia (CBR), Ministry of Finance of the RussianFederation (Minfin), State Customs Committee, StateCommittee on Statistics, international financial organizations,local governments, authorized banks, Vnesheconombank (VEB),depository clearing systems, nonfinancial enterprises.
Data on external debt of Russia are available on the websiteof the Bank of Russia (www.cbr.ru), published in mass media —Rossiiskaya gazeta newspaper and a weekly print editionVestnik Banka Rossii.
Individual Indicators Highlights
Federal government. This category comprises externalliabilities of the Russian Government which arose starting1992 (the new Russian debt) and had accumulated before 1992for which the Russian Government assumed responsibilityafter the USSR dissolution (the former USSR debt).
The new Russian debt is composed of indebtedness tononresidents on loans, securities and other liabilities. Includedloans are those from the IMF, IBRD, EBRD and foreigngovernments. Incorporated under securities is theindebtedness to nonresidents on all the sovereign eurobondsissued by the Russian Government including those issued in1998 for the GKO—OFZs restructuring and issued in 2000 forthe London Club debt restructuring, the Ministry of FinanceHard Currency Bonds (OVGVZs issued after 1996 and theOGVZs 1999) and OGNZs. All these obligations are notoverdue. Other liabilities are composed of the interstateindebtedness on clearing transactions and arrears on currenttransactions.
The former USSR debt comprises indebtedness on loansfrom the Paris Club, borrowings from the former socialist
106BULLETIN OF BANKING STATISTICS № 1 (116)
countries (including unsettled amount of the debt to theformer German Democratic Republic), from Non-Paris Clubcreditors, loans from the International Investment Bank (IIB)and the International Bank for Economic Co-Operation (IBEC).Partly, the amount of the indebtedness is overdue. In additionto the loans, indebtedness to the former socialist countriesincorporates balances on clearing accounts. Related toobligations on securities are the Ministry of Finance HardCurrency Bonds (OVGVZs) issued to settle the indebtednesson enterprises’ frozen foreign exchange accounts with VEB.Other liabilities item includes indebtedness on letters ofcredit, collection arrears, trade credits, loans drawn by theformer Soviet republics and foreign trade organizations (otherthan VEB), interest on arrears and indebtedness to the LondonClub on those holdings of PRINs and IANs which were nottendered in the exchange.
Local governments. Included is indebtedness tononresidents on loans drawn by local governments of theRussian Federation and on the eurobonds issued by the latter.
Banking system (net of participation) consists of the Bankof Russia’s liabilities (other than those singled out separatelyas liabilities to the IMF) and liabilities of authorized creditinstitutions including VEB (foreign debt managed by VEB asan agent of the Russian Government is reflected as the Generalgovernment debt).
Nonfinancial enterprises. Involved is indebtedness ofnonfinancial enterprises on external borrowings.
The more detailed information on the indebtednesscoverage, peculiarities of its recording, and compliance withbalance of payments items is available in the CBR’s weeklyprint edition Vestnik Banka Rossii including Methodologicalcommentary to external debt calculation presented as anappendix to quarterly data on the balance of payments, foreigndebt and international investment position of Russia.
Table 1.6External Debt of the Russian Federation in
Domestic and Foreign Currencies
General Provisions
On the whole, this section reproduces the contents of the“General Provisions” section of Table 1.5 “External Debt of theRussian Federation (According to the InternationalMethodology)”.
Indebtedness of the main sectors of the economy ispresented in a breakdown by domestic and foreign currency.
Such presentation of the foreign debt complies with therequirements of the IMF’s Special Data DisseminationStandard.
Individual Indicators Highlights
The description of indicators “General government”,“Banking system”, “Non-financial enterprises” conforms tothat set forth in commentary to Table 1.7.
Table 1.7External Debt of the Russian Federation (by
maturity)
General Provisions
On the whole, this section reproduces the contents of the“General Provisions” section of Table 1.5 “External Debt of theRussian Federation (According to the InternationalMethodology)”. Structurally, the table focuses on the followingeconomic sectors as main functional categories, namely:— General government— Banking system— Non-financial enterprises.
Each of these categories is subdivided into (i) short�termindebtedness (with maturity of 1 year or less) and (ii) long�
term indebtedness (with maturity of more than 1 year), whichare additionally classified by type of instrument.
Such presentation of the foreign debt complies with therequirements of the IMF’s Special Data DisseminationStandard.
Individual Indicators Highlights
General government. This category comprises externalliabilities of the Russian Government, which emerged (i) starting1992 (the new Russian debt) and (ii) prior to 1992, for which theRussian Government assumed responsibility after the USSRdissolution (the former USSR debt), (iii) indebtedness to non-residents on loans attracted by local governments of Russiaand on the eurobonds issued by the latter.
Debt securities. Included is non-overdue indebtednessvis-a-vis non-residents on securities (denominated in foreigncurrencies and Russian roubles) issued by the Government ofRussia, as well as on the eurobonds issued by local governments.
Current accounts and deposits is comprised ofindebtedness of the Vnesheconombank as an agent of theGovernment of Russia vis-a-vis non-residents on currentaccounts and deposits, including clearing and overdraftaccounts.
Loans includes non-overdue loans attracted from non-residents by the Russian Federal Government, localgovernments, and the former USSR.
Arrears is composed of the former USSR debt arrears(principle and interest) on debt securities, loans and otherinstruments; arrears on the current transactions of the Minfinof Russia; arrears on loans attracted by local governments ofRussia; interest on principle arrears and on interest arrears.
Banking system (excluding equity capital). Covered isindebtedness to non-residents of the Bank of Russia, creditinstitutions and Vnesheconombank (with respect tocommercial activities of the latter); the foreign debt managedby the VEB as an agent of the Government of Russia is reflectedunder the General government.
Debt securities includes indebtedness of the bankingsystem to non-residents on own issues of debt securities.
Loans. Included are loans attracted from non-residentsby the banking system, including repos and loans from aforeign direct investor.
Current accounts and deposits comprises indebted-ness of the banking system to non-residents on currentaccounts, short-term and long-term deposits. Also includedis Bank of Russia estimate of the amount outstanding ofroubles in cash owned by non-residents.
Other liabilities is composed of banking system arrearsincluding interest arrears, liabilities in the form of derivatives,and other liabilities to non-residents.
Non:financial enterprises (excluding equity capital).Covered is indebtedness of non-financial enterprises to non-residents on external funds attracted.
Loans. Included are loans and other capital obtained fromforeign direct investors; loans in foreign currency attracted bynon-financial enterprises from non-residents for more than180 days, as well as those attracted for less than 180 days;indebtedness on leases of equipment obtained from non-residents for more than 1 year.
Table 1.8International Investment Position of Russia at End
of Period
General Provisions
International investment position (IIP) is a statisticalstatement, which serves to assess the value of an economy’sstock of external assets and liabilities at the beginning or endof a reporting period, as well as all changes that occurredwithin the reporting period as a result of transactions, valuationchanges (changes due to revaluation), and other adjustments.
The IIP data for Russia disseminated at present includessectorization by: (i) General government (including data ontransactions in government external assets and liabilities
107BULLETIN OF BANKING STATISTICS № 1 (116)
performed by Vnesheconombank (VEB) as an agent of theGovernment of the Russian Federation), (ii) Bank of Russia andbanking sector, and (iii) non�financial enterprises andhouseholds.
Data sources used for Russia’s IIP compilation are asfollows: (i) report forms of the Bank of Russia (CBR), (ii) dataobtained from: Minfin of Russia (MOF), State CustomsCommittee (SCC), State Statistics Committee (Goskomstat),Ministry of Fuel and Energy, Federal Property Fund of Russia,international financial organizations, local governments, creditinstitutions, the VEB, non-financial enterprises, as well as(iii) CBR’s expert estimates.
Methodological basis for compilation of the IIP componentsis the Fifth Edition of the IMF’s Balance of Payments Manual1993.
As interdependency of the world economy increases,information that constitutes the IIP of Russia plays an importantrole in development of both foreign and internal economicpolicies. The economy’s net international investment position(which is a result of foreign financial assets and liabilities ofRussia being netted) makes it possible to determine thecondition of Russia’s external economic relations with othereconomies at a specific date. Depending on whether theinternational investment position is positive or negative, theeconomy can be regarded as a “net creditor” or “net debtor”vis-a-vis non-residents, respectively.
Information included in sections “Assets” and “Liabilities”permit, in addition to assessing the value of Russia’s externalassets and liabilities, to analyze structure of the assets andliabilities, and reveal the factors that caused changes affectedby (in addition to transactions) fluctuation of prices andexchange rates, as well as other adjustments.
The international investment position of the RussianFederation is published in CBR’s weekly print edition VestnikBanka Rossii, and available on CBR’s Internet website.
Individual Indicators Highlights
Foreign assets and foreign liabilities of the economy’sresidents at a specific date (which in case of being nettedresult in the net international investment position) are themajor classification groupings presented in lines of thetable.
The assets and liabilities, in their turn, are classified in thefollowing manner:— by functionality (direct investment, portfolio investment,
other investment);— by type of financial instrument (equity securities, debt
securities, loans, etc.);— by sector (General government, Bank of Russia and banking
sector, non-financial enterprises and households);— by maturity (long-term — refers to instruments with original
maturities of more than 12 months; short-term — refers tothose with maturities of 12 or fewer months).Due to the fact that methodological principles used for
compilation of the IIP of Russia are similar to those applied tobalance of payments statistics, the definitions for separateindicators coincide with those set forth in the comment toTable 1.4 “The Russian Federation Balance of Payments”.
Columns of the table reflect the value of Russian residents’foreign assets/liabilities at the beginning or end of a reportingperiod, and contain information on changes in foreign assets/liabilities in the breakdown set out below.
Changes due to transactions reflect net changes inforeign assets/liabilities, which occurred due to transactionsin these assets and liabilities, and which are included in thecorresponding items of the balance of payments of Russia.
Changes due to revaluation and other changes reflectchanges (on a net basis), which are not regarded as transactionsand, therefore, not included in the balance of payments ofRussia. Changes due to revaluation cover net changes inassets/liabilities that result from exchange rate fluctuationsand price changes. Other changes include all other changesin assets/liabilities (on a net basis) caused by reclassifica-tion, write-offs as a result of reconciliation, and other changes.
Total changes is an aggregate amount of net changes inassets/liabilities due to transactions, revaluation and otherchanges.
Valuation of indicators
External assets and liabilities are measured at marketvalues except for those given at book value, which are amountsoutstanding recorded under the items Loans and Arrears of theGeneral government sector on assets side. Following thenegotiations with borrowers within the Paris Club the aboveclaims will be discounted.
The item Trade credits of other investment includes bothaccounts receivable from and payable to non-residents onexport and import of goods. Due to the lack of information, thedebt outstanding as of January 1, 2002 is given as thatpublished in statistics of the Bank for International Settlements.
Monetary gold is valued at US$ 300 per troy ounce.
Table 1.9The Russian Federation Banking Sector’s
International Investment Position
General Provisions
International investment position (IIP) of the bankingsector of Russia — a component part of the IIP of Russia — isa statistical statement, which serves to assess the value of thestock of external assets and liabilities of the economy’sbanking sector at the beginning or end of a reporting period,as well as all changes that occurred within the reporting periodas a result of transactions, valuation changes (changes due torevaluation), and other adjustments.
The banking sector’s IIP, which is compiled by the Bank ofRussia (CBR), is comprised of data on the CBR and creditinstitutions, including Vnesheconombank (VEB) (net of thebalance-sheet positions pertaining to government foreigndebt and government foreign assets placed on the VEBbalance-sheet as of an agent of the Government of Russia).
Data sources used for compilation of the banking sector’sIIP are: (i) CBR’s accounting and operational data,(ii) information on foreign transactions collected fromauthorized credit institutions and the VEB. In addition, thereserve assets comprise assets of the Ministry of Finance ofthe Russian Federation (MOF) used by the latter to implementthe monetary authority functions.
Information provided by the banking sector’s IIP hassignificant importance in analyzing stability of the bankingsector and state of the economy on the whole.
Compilation methodology, valuation principles, anddefinitions for separate indicators of the banking sector’s IIPcoincide with those applied to the IIP of the Russian Federation.
“Assets” section of the table contains (i) data on theamount of foreign claims held by the banking sector of Russiaat the beginning or end of the reporting period, (ii) compositionof the foreign claims and (iii) level of their liquidity. Based onthe data available, it is possible to identify the factors thatcaused changes in assets during the reporting period.
One of the most important components of the foreignassets is official international reserves, which comprise short-term highly liquid foreign assets of the CBR and the MOF.Reserve assets are used to maintain steadiness of nationalcurrency, and to service the government debt to nonresidents.
Consequently, data contained in the “Liabilities” sectionmake it possible to evaluate (i) size of the foreign liabilities,which the banking sector accumulated at the beginning or endof the reporting period, and (ii) composition of those liabilities.Besides, data in this section reveal major motives, due towhich changes in liabilities occurred within the reportingperiod.
Depending on whether the banking sector’s net internationalinvestment position is positive or negative, this sector can beregarded as a “net creditor” or “net debtor” vis-а-visnonresidents, respectively.
108BULLETIN OF BANKING STATISTICS № 1 (116)
The international investment position of Russia’s bankingsector is published in the CBR’s weekly print edition “VestnikBanka Rossii” and available on the CBR’s Internet website.
Individual Indicators Highlights
Foreign assets and foreign liabilities of the banking sectorat a specific date (which in case of being netted result in thenet international investment position) are the majorclassification groupings presented in lines of the table. Thecomponents singled out in the table’s lines are identical tothose in the financial account of balance of payments, namely,direct investment, portfolio investment, other investment,reserve assets. More detailed information on these componentsis given in the comment to Table 1.4.
Columns of the table reflect the stock of foreign assets/liabilities of Russia’s banking system at the beginning or endof the reporting period, as well as information on changes inforeign assets/liabilities in the breakdown specified below.
Changes due to transactions reflect only those netchanges in foreign assets/liabilities of Russia’s bankingsector, which occurred as a result of transactions in theseassets/liabilities. These transactions are included in thefinancial account of Russia’s balance of payments.
Changes due to revaluation and other changes reflectchanges (on a net basis), which are not regarded as transactionsand, therefore, not included in the balance of payments ofRussia. Changes due to revaluation cover net changes inassets/liabilities that result from exchange rate fluctuationsand price changes. Other changes include all other changesin assets/liabilities (on a net basis) caused by:(i) reclassification (e.g., the transition from portfolio investmentto direct investment following an increase of investor’s sharein equity capital of an enterprise), (ii) unilateral write-offs ofdebts by a creditor, (iii) write-offs resulted from reconcilia-tion, (iv) other changes (e.g., assets and liabilities of Russia’scredit institutions, whose licenses to carry out banking activitieswere revoked within a reporting period).
Total changes is an aggregate amount of net changes inassets/liabilities due to transactions, revaluation and otherchanges.
Valuation of indicators
Prior to the 3rd quarter of 1999, the item “Currency anddeposits” (short�term), on the assets side, was given net ofthe value of short-term foreign exchange deposits of the Bankof Russia and Minfin of Russia with resident banks, and whichwere included in the international reserves. Starting from the3rd quarter of 1999, this item includes the value of balances inforeign currency on resident banks’ accounts with the Bank ofRussia, except for the funds extended by the Bank of Russiato the Vnesheconombank for the servicing of the governmentforeign debt.
Gold is valued at US$ 300 per troy ounce.The item “IMF credit” shows the indebtedness of the CBR
to the IMF.Column “Other adjustments” includes assets and liabilities
of credit institutions, whose licenses to carry out bankingactivities were cancelled within the reporting period.
Table 1.10The Russian Federation Merchandise Trade (Based
on the Balance of Payments Methodology)
General Provisions
The table “The Russian Federation Merchandise Trade”includes monthly data on merchandise trade of the RussianFederation with a geographical breakdown by(i) Commonwealth of Independent States member countries(CIS-countries) and (ii) non-CIS countries. The data arepresented in millions of U.S. dollars and valued in accordancewith the goods values converted into f.o.b. (definition of thef.o.b. value is provided in commentary to Table 1.4 “TheRussian Federation Balance of Payments”, “Goods” section).
Data provided in the table “The Russian FederationMerchandise Trade” are included in the current account of thebalance of payments and are compiled in compliance with the5th edition of the IMF’s Balance of Payments Manual.
The table’s sources of information are the following:— reporting data on exports/imports of goods recorded by
the State Customs Committee of Russia (SCC) withcustoms procedures singled out separately;
— reporting data by the State Statistics Committee of Russia(Goskomstat) on: (i) exports of fish and marine productscaught in open sea and sold outside the customs borderof the Russian Federation, (ii) xports/imports of bunkerfuel, (iii) migration flows that is the basis for estimation ofmigrants’ property;
— reporting data by the major exporting enterprises;— partner country data on selected items.
Data on merchandise trade are published in the CBR’sweekly print edition “Vestnik Banka Rossii”, and are availableon the CBR’s Internet website.
Individual Indicators Highlights
Exports of Goods (balance of payments methodology) is themovement of (i) goods out of the customs territory of theRussian Federation recorded by the SCC in accordance with thegeneral trade system, and (ii) goods not registered by theSCC — namely, fish and marine products caught in open seaand sold to nonresidents outside the customs border of theRussian Federation, goods procured by foreign carriers inRussian ports, goods for repairs, goods exported by migrants,goods exported by individuals for the subsequent selling, andother goods.
Imports of Goods (balance of payments methodology)covers (i) goods brought into the Russian customs territoryand recorded by the SCC in compliance with the general tradesystem, and (ii) goods not registered by the SCC — namely,goods acquired from nonresidents without crossing Russia‘scustoms border, goods procured by Russian carriers in foreignports, goods for repairs, goods brought in by migrants, goodsundeclared and/or inadequately declared when imported bylegal entities, goods imported by individuals for the subsequentselling in Russia, and other goods.
Trade balance is defined as difference between exportsand imports of goods.
Table 1.11Gross International Reserves
General Provisions
International reserves include highly liquid financial assetsheld by the Bank of Russia (CBR) and the Minfin of Russia(MOF) and readily available for direct financing of Russia’spayments imbalances.
International reserves are calculated on the basis of theCBR accounting and operational information, and the dataobtained from the MOF.
When developing international reserves data, the CBR isguided by the definition of gold and forex gross reserves, thatlargely complies with the definition available in the 5th editionof the IMF’s Balance of Payments Manual.
Data on the international reserves are published on aregular basis in the weekly print edition “Vestnik BankaRossii”, in the IMF statistical publication “International FinancialStatistics”, and available on the CBR’s Internet website(published are monthly and weekly data on the internationalreserves of the Russian Federation).
Individual Indicators Highlights
The international reserves comprise monetary gold, specialdrawing rights (SDRs), reserve position in the IMF, and foreignexchange.
Monetary gold is valued at US$300 per troy ounce. Thegold placed on unallocated “metal” accounts is recordedunder foreign exchange.
109BULLETIN OF BANKING STATISTICS № 1 (116)
SDRs are international reserve assets issued by the IMFwith a view to replenish reserve assets.
The reserve position in the IMF reflects an amount bywhich Russia’s quota with the IMF exceeds the IMF rubledenominated assets.
The foreign exchange includes foreign currency assetsof the Bank of Russia and Minfin of Russia in the form of cashforeign exchange, reverse repos with nonresidents, bank depositswith nonresident banks (which minimally have “A” rating byFitch IBCA and by Standard and Poor’s, or “A2” rating byMoody’s) as well as government and other securities issued bynonresidents with a similar rating. From September 1, 1999 anamount equivalent to the foreign exchange balances in residentbanks’ correspondent accounts with the Bank of Russia isdeducted from the assets listed above, except for fundsintended for servicing the government foreign debt.
From August 1, 2002, the amount of reserve assets is givennet of the assets, which is a collateral against the Bank ofRussia’s short-term liabilities vis-а-vis nonresidentsdenominated in hard currencies.
Analytical Accounts of MonetaryAuthorities,
Analytical Accounts of Credit Institutionsand Monetary Survey Tables
The tables entitled “Analytical Accounts of MonetaryAuthorities”, “Analytical Accounts of Credit Institutions”, and“Monetary Survey” represent aggregate indicators featuringthe economy’s monetary sphere.Methodological basis forconstructing the above indicated tables is a monetary surveyscheme developed by the IMF as a standard analytical presen-tation of monetary statistics data. This scheme stipulates thecompilation of major monetary aggregates based on accountingrecords on transactions and reserves of the CBR, the Ministryof Finance of the Russian Federation, and credit institutions insuch a way that enables to represent monetary liabilities of thespecified organizations, on the one hand, and their claims onRussian enterprises, organizations and households, and theexternal world, on the other. Such data presentation is used foranalyzing money supply and its profile as well as relationshipsbetween monetary authorities and other sectors of the Russianeconomy and nonresidents.
Within the term set by the IMF Special Data DisseminationStandard the CBR Internet web site publishes preliminarydata on major indicators from “Analytical Accounts of MonetaryAuthorities” and “Monetary Survey”. Some elements of theseare estimate-based. Within the quarter (for December datawithin half a year) data can be updated. Final data are releasedin the “Bulletin of Banking Statistics” and the IMF statisticalpublication “International Financial Statistics”.
Table 1.12Analytical Accounts of Monetary Authorities
General Provisions
The Bank of Russia’s monthly aggregate balance sheetand the RF Finance Ministry’s flash data reflecting transactionson managing the Russian Federation international reserves aresources of information for compiling the “Analytical Accountsof Monetary Authorities” table.
Individual Indicators Highlights
Foreign assets — the Russian Federation internationalreserves (see their content in comments to the “Gross
International Reserves” table) and less liquid, nonreserveassets. Nonreserve assets in this table comprise the Bank ofRussia’s all other assets placed with nonresidents1, namely,assets denominated in currency with limited conversionpotential and in the Russian Federation currency, and alsolong—term credits and deposits in convertible currency, andnonresident banks’ equity interest.
Claims on general government — loans extended to theRF Finance Ministry (Minfin), the RF government’s securitiesbought by the CBR, except for securities transferred to theCBR by credit institutions on REPO2 terms. In compliance withinternational standards on analytical presentation of monetaryauthorities’ statistics, this indicator incorporates the IMFloans extended to Minfin.
Claims on nonfinancial public enterprises — credits(including outstanding debt), outstanding interest on creditsextended to nonfinancial government enterprises3.
Claims on nonfinancial private enterprises andhouseholds — credits (including outstanding debt),outstanding interest on credits extended to nonfinancialnongovernment enterprises, self—employed individuals, andhouseholds as well as the Bank of Russia’s deposits intosecurities of private sector enterprises.
Claims on credit institutions — credit institutions’arrears to the CBR (including loans extended to banks withrevoked licenses and overdue interest on them) and fundsextended to credit institutions on REPO terms.
Reserve money — cash issued by the CBR (excludingcash in its vaults), balances on required reserves’ accountsdeposited by credit institutions with the CBR, on correspondingaccounts, and other cash balances on accounts of creditinstitutions (including banks with revoked licenses) with theCBR, credit institutions deposits in the CBR bonds, as well asdemand deposits of nonfinancial enterprises and organiza-tions serviced in the CBR in compliance with the effective law.
Money outside banks — cash issued by the CBR excludingcash available in the CBR’s and credit institutions’ cashoffices.
Time deposits and deposits in foreign currency —time deposits in the Russian Federation currency and alldeposits in foreign currency of nonfinancial enterprises andorganizations serviced by the CBR in compliance with theeffective law.
Foreign liabilities include all types of borrowings by theCBR from nonresidents (credits, deposits, nonresident banks’correspondent accounts with the CBR, etc.) as well as IMFloans extended to Minfin and the CBR.
General government’s deposits — balances on accountsof the federal budget, the Russian Federation member—territories’ budgets and local budgets, deposits and otherfunds contracted from Minfin, fiscal authorities in the RussianFederation member—territories and local authorities, govern-ment extrabudgetary funds and extrabudgetary funds of theRussian Federation member—territories and local authorities.Apart from these items, the indicator includes a balancing entryequaling a sum total of international reserves administered byMinfin.
Capital accounts include the CBR’s authorized capital,supplementary capital, its reserve and other funds, and Bankof Russia losses in previous years.
Other items (net) — assets and liabilities balancesexcluded from the above mentioned aggregates that featuretransactions in maintaining the CBR operations (fixed assetsitems, cost of economic operations, settlements withorganizations affiliated with the CBR), as well as interbranchsettlements balance, deferred revenues and expenditure, andsome other items.
1 Definitions of nonresidents and residents for this table and for the “Analytical Accounts of Credit Institutions” and “Monetary Survey” tables correspond to similardefinitions in the balance of payments statistics — see comments to the “The Russian Federation Balance of 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 thecommitment to their eventual repurchase (sale) in a certain period at a previously fixed price.3 Hereinafter nonfinancial enterprises and organizations used in the “Bulletin of Banking Statistics” shall be rendered as enterprises and organizations engaged inmarketing goods and services and not referred to the economy’s financial sector.
110BULLETIN OF BANKING STATISTICS № 1 (116)
Table 1.13Analytical Accounts of Credit Institutions
General Provisions
The source of information for compiling the “AnalyticalAccounts of Credit Institutions” is a balance sheet aggregatedon a monthly basis for credit institutions (excluding thebranches of the Russian credit institutions abroad), balancesheets of the foreign banks located in the Russian Federation,and Vneshekonombank’s selected balance items compiledbased on its commercial transactions (excluding transactionson managing the RF foreign debt made by Vneshekonombankas the Russian Federation Government’s agent).
Individual Indicators Highlights
Reserves — cash in the Russian Federation currency in thevaults of credit institutions as well as credit institutions’ fundsdeposited in the CBR (balances on correspondent accounts,required reserves, deposits, investments into the CBR bonds,other).
Foreign assets — balances on credit institutions’ accountsrecording transactions made with nonresidents in foreigncurrency, the Russian Federation currency and precious metals(balances on correspondent accounts; deposits and otherfunds placed in nonresident banks; credits extended to non-resident banks, nonresident legal entities and individuals,debt liabilities, and bills acquired from foreign governments,banks and other nonresidents, investments into foreigncompanies’ and banks’ shares of stock) as well as foreigncurrency cash in credit institutions’ vaults.
Claims on general government — credits extended toMinfin, fiscal authorities in the RF member—territories and tolocal authorities, to the government extrabudgetary funds ofthe Russian Federation and of the Russian Federationmember—territories, securities issued by the Russian Fed-eration Government, the RF member territories, and localauthorities and held by credit institutions.
Claims on nonfinancial public enterprises — credits(including debt outstanding), deferred interest on creditsextended to nonfinancial government enterprises.
Claims on nonfinancial private enterprises andhouseholds — credits (including outstanding debt), deferredinterest on credits extended to nonfinancial nongovernmententerprises, self-employed individuals and households, aswell as credit institutions’ investments into securities issuedby private sector enterprises.
Claims on other financial institutions — fundstransferred to financial (except for credit ones) institutionregardless of their type of property and credits extended to thesaid organizations1.
Demand deposits — balances held by the RussianFederation residents (enterprises, organizations, self-employed individuals and households) on checking, current,deposit, and other demand accounts (including plastic cardspayment accounts) opened with credit institutions in theRussian Federation currency.
Time and saving deposits and foreign currencydeposits — balances on time deposits and other funds heldin the Russian currency and all kind of foreign-currency depositsby the Russian Federation residents (enterprises,organizations, self—employed individuals and households)contracted for a specific term and kept with credit institutions,and resident clients’ accounts (except for credit institutions)in precious metals.
Restricted deposits — amounts on accounts with creditinstitutions whose owners cannot use them during a certainperiod of time due to terms of contract or current terms of thecredit institution’s operations (for instance, accrued intereston deposits with yet nondue payment date, clients’ accountsreserved for conducting conversion transactions and futurestransactions in purchase/sale of hard currency, and someothers).
Money market instruments — additional financialinstruments issued by credit institutions and representingsimilar money substitutes, i.e. bonds, deposit and savingcertificates, bills, and bank acceptances circulating outsidethe banking system.
Foreign liabilities — funds drawn by credit institutionsfrom nonresidents: balances on LORO accounts, creditscontracted, deposits, and other funds denominated in foreigncurrency, in the Russian Federation currency, and preciousmetals and contracted from nonresident banks, nonresidentindividuals and legal entities.
General government deposits — balances on accountsof the federal budget, the Russian Federation memberterritories’ budgets and local budgets, deposits and otherfunds drawn by Minfin, financial authorities of the RussianFederation member territories and local authorities,government extrabud-getary funds of the Russian Federationmember—territories and local authorities.
Liabilities to monetary authorities — debt of operatingcredit institutions on the CBR credits (including debtoutstanding and overdue interest) as well as funds extendedby the CBR to credit institutions on the REPO terms. In contrastto the “Claims on Credit Institutions” aggregate representedin the “Analytical Accounts of Monetary Authorities” table, theydo not include the amount of debt referred to credit institutionswith revoked licenses.
Capital accounts — credit institutions’ own funds. Theyinclude authorized and supplementary capital, special,provident and other funds formed through profits, reservesformed to cover possible losses on active transactions,securities, precious metals and funds in foreign currencyrevaluation results, current-year financial results and profitsand losses of previous years.
Other items (net) — assets and liabilities balancesexcluded from the above enumerated aggregates; they featuretransactions among credit institutions and interbanktransactions as well as transactions related to credit institutions’logistics operations (fixed assets accounting entries (lessdepreciation), capital investments, and other costs associatedwith economic activities, revenues and deferred costs), goldand other precious metals reserves.
Table 1.14Monetary Survey
General Provisions
The “Monetary Survey” table presents results ofconsolidating data shown in the “Analytical Accounts ofMonetary Authorities” and “Analytical Accounts of CreditInstitutions” tables (consolidation is made through subtractingall mutual claims and liabilities between credit institutionsand the CBR and by adding up their transactions in othereconomic sectors to nonresidents’ transactions). The table isbased on the data from the CBR monthly balance sheet,balance sheet of operating credit institutions (excluding thebranches of the Russian credit institutions abroad) aggre-gated in a monthly basis, balance sheets of the foreign bankslocated in the Russian Federation, and Vneshekonombank’sselected balance items compiled based on its commercialoperations (excluding its transactions on managing the RussianFederation foreign debt which Vneshekonombank makes asthe Russian Federation Government’s agent), flash reports byMinfin on administering international reserves.
Individual Indicators Highlights
Net foreign assets of monetary authorities and creditinstitutions — balances of transactions in assets and liabilitiesmade by monetary authorities and credit institutions withnonresidents in foreign currency, in the Russian Federationcurrency and precious metals.
1 List of financial institutions was specified in the “Rules for Accounting in Credit Institutions Located on the Russian Federation Territory” No. 61 approved by the CBRon 18.06.97; it incorporates investment funds; trust, leasing, and factoring companies; stock and currency exchanges; brokers operating in the stock market; insurancecompanies, nongovernment pension funds, and a number of other financial institutions.
111BULLETIN OF BANKING STATISTICS № 1 (116)
Domestic credit — totality of the banking system’sclaims on government nonfinancial enterprises, private sector,including households, financial (except for credit ones)institutions and net credit to general government in the RussianFederation currency, in foreign currency, and precious metals.
Net credit to general government — the bankingsystem’s claims on Minfin, fiscal authorities in the RussianFederation member territories and local authorities,government extrabudgetary funds and extrabudgetary fundsin the Russian Federation member territories and localauthorities less deposits and other investments of the specifiedorganizations into the Russian Federation banking system.
Money — all money supply in the country’s economy whichcan be immediately used for making payments. This aggregateis compiled as an array of aggregates “Money Outside Banks”and “Demand Deposits” in the banking system.
Quasimoney — banking system deposits which can notbe directly used for making payments and are less liquid than“Money”. This includes time deposits in the Russian Federationcurrency and all deposits in foreign currency. An array of the“Money” and “Quasimoney” aggregates form a “Broad Money”aggregate (money M2 according to the monetary surveymethodology).
Other items (net) — sum total of correspondingaggregates in the “Analytical Accounts of MonetaryAuthorities” and “Analytical Accounts of Credit Institutions”tables as well as a sum of differences in credit institutions’and the CBR data on mutual debt.
Table 1.15Money Supply (National Definition)
General Provisions
The “Money Supply (National Definition)” table showsvolume, profile, and dynamics of money supply, which is oneof the major monetary aggregates used in formulating economicpolicies and identifying quantitative criteria for macroeconomicproportions. Money supply is defined as an array of fundsdenominated in the Russian Federation currency intended aspayments for goods, works, and services, as well as forsavings by nonfinancial enterprises, organizations, andhouseholds which are residents of the Russian Federation.
The source of information for calculating money supply isdata from monthly aggregate balance sheets of the RussianFederation operating credit institutions (also recorded arecredit institutions’ liabilities for (liabilities balances) toeconomic transactors).
Along with releasing information on the volume, profile,and dynamics of money supply through “Bulletin of BankingStatistics”, it is also available on the CBR web site in theInternet, as well as in the “Bank of Russia Bulletin”.
Individual Indicators Highlights
Money supply can be identified through two components.Cash in circulation (money aggregate M0) — the most
liquid part of the money supply accessible for immediate useas a payment means; includes bank-notes and coins incirculation (see the “Money Outside Bank” indicator in the“Analytical Accounts of Monetary Authorities” table).
Noncash funds include balances of nonfinancialenterprises, organizations, self-employed individuals, andhouseholds on checking, current, deposit, and other claim
accounts (including plastic cards accounts) and term accountsopen with credit institutions in the Russian Federation currency.
Money supply (M2) is calculated as a sum total of cashin circulation and noncash funds. The money supply in thenational definition in contrast to a similar indicator calculatedby the monetary survey methodology (as a sum total of“Money” and “Quasimoney” aggregates — see comments to“Monetary survey” table) does not include deposits in foreigncurrency. However, it does partially incorporate restricteddeposits singled out as an independent aggregate whencompiling the monetary survey and unrecorded calculatingmoney supply aggregates.
Table 1.16Broad Monetary Base
General Provisions
Table “Broad Monetary Base” presents information on thevolume, structure and dynamics of the monetary base. Thisindicator characterises the ruble-denominated monetaryobligations of the Bank of Russia, which ensure growth in themoney supply. The monetary base is not a monetary aggregatebut it serves as a basis for creating monetary aggregates andtherefore it is also called “high-powered money”.
The broad monetary base comprises cash put intocirculation by the Bank of Russia, including cash balances inbank vaults, the balances in the required reserve accounts,deposited by credit institutions with the Bank of Russia, fundsin credit institutions’ correspondent accounts and bankdeposits in the Bank of Russia, credit institutions’ investmentsin Bank of Russia bonds and other Bank of Russia ruble-denominated obligations on operations with credit institutions.Unlike the Reserves indicator, Table “Analytical Accounts ofMonetary Authorities” does not show demand deposits of theenterprises and organisations serviced by the Bank of Russiaas part of the monetary base.
The source of information used in calculating the broadmonetary base is data from the Bank of Russia monthlyconsolidated balance sheet. In addition to the “Bulletin ofBanking Statistics”, data on the volume, structure and dynam-ics of the broad monetary base can be found in the Bank ofRussia home page in the Internet.
Individual Indicators Highlights
All elements of the broad monetary base are calculated inthe Russian currency only.
Cash in circulation, including cash balances in bankvaults, is calculated as a sum of Cash (see Table 1.12 “MoneySupply (National Definition)”) and cash balances in bankvaults. Cash balances in Bank of Russia cash departments arenot taken into account.
Required reserves are the balances in the requiredreserve accounts deposited by credit institutions with theBank of Russia on borrowed funds in rubles and foreigncurrency.
Bank of Russia obligations on the reverse repurchaseof securities currently denote Bank of Russia obligations tocredit institutions on operations conducted in accordancewith Bank of Russia Provision No. 176-P, dated January 11,2002, “On the Procedure for Selling Securities by the Bank ofRussia on the Reverse Repurchase Basis”.
112BULLETIN OF BANKING STATISTICS № 1 (116)
Section 2. Major Indicators and Instruments of the Bank of RussiaMonetary Policy
The CBR major function comprises development andconduct of a unified government monetary policy aimed atdefending and securing the sustainability of the ruble.
To implement the said function, the CBR applies a set oftechniques and methods specified in the Federal Law “On theRussian Federation Central Bank (Bank of Russia)”: interestrates for the CBR transactions, percentage ratios for requiredreserves deposited in the CBR, open market operations, banksrefinancing, foreign exchange regulation, and other.
The present section contains information characterizingmajor areas of the CBR operations as well as instruments andmethods applied for monetary regulation of the economy.
Table 2.1Bank of Russia Balance Sheet
General Provisions
In compliance with Article 25 of the “On the RussianFederation Central Bank (Bank of Russia)” Federal Law, Bankof Russia monthly publishes its consolidated (grouped) balancesheet integrating balances across all its institutions andaffiliates. The balance sheet structure for publication pur-poses is set by the Bank of Russia Board of Directors. The CBRbalance sheet data are used for different purposes includingmonetary analysis and research, planning and control inmonetary policies sphere, application of rules and implemen-tation of decisions on specific uses of monetary policy instru-ments.
Methodological framework for compiling the CBR aggre-gate balance sheet is set by the “Rules for Accounting in theRussian Federation Central Bank (Bank of Russia)” on 18.09.97No. 66. Pursuant to the specified Rules, the compilation of theaggregate balance sheet is exercised through the use of majorinternational accounting standards. (The only difference dealswith the application of a cash method of accounting for recordsof the CBR revenues and expenditures in compliance withwhich revenues and expenditures are entered to relevantaccounts after revenues are actually received and expendi-tures made. International standards prescribe accrual basisof accounting which implies recording of all revenues andexpenditures over the reporting year regardless of actualtiming of their execution).
Along with the publication in the monthly “Bulletin of BankingStatistics”, the Bank of Russia’s balance sheet is included in the“Bank of Russia Annual Report” and it is also placed on the CBRInternet web site.
Individual Indicators Highlights
By assetsPrecious metals — this entry records precious metals
reserves at purchasing price.Foreign currency and securities held by nonresi6
dents — include the CBR balances in ruble equivalent oncorrespondent accounts with nonresident banks, balances ondeposit accounts with nonresident banks, loans extended tononresident banks as well as nonresidents’ securities ac-quired by the CBR.
Credits and deposits — include credits extended to anddeposits made by the CBR in resident credit institutions indomestic and foreign currencies, for servicing the governmentforeign debt and to enterprises and organisations serviced bythe CBR’s institutions, and settlements on domestic govern-ment debt of the former USSR.
Securities — record the CBR investments into governmentsecurities (excluding liabilities bought on the REPO terms) aswell as into shares of stock of affiliates and subsidiaries, andbanks.
Other assets — incorporate balances on Bank of Russiafixed assets accounts, the Bank’s claims on other operations,investments in securities from the Bank of Russia’s additional
pension funds, operations—related settlements and otherBank of Russia 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, deposit accounts, andrequired reserves accounts deposited by credit institutionswith the CBR, accounts balances with the Russian FederationCentral Bank open for recording budgetary funds of thefederal budget and budgets of republics and lower regionallevels, as well as extrabudgetary funds, and the CBR otherclients’ budgets.
Float — record cash flows in settlements on Russia’sterritory.
Capital — is formed as a sum of authorized capital,supplementary capital, reserve fund, and special earmarkedfunds, with Bank of Russia losses in 1998 taken into account.
Other liabilities — include balance of deferred incomeand expenditure on securities transactions, on creditoperations, amounts of Bank of Russia bonds, the IMF loan,provisions and balances on some other accounts.
Table 2.2Refinancing Rate
General Provisions
The “Refinancing Rate” table presents dynamics ofchanges in the refinancing rate since December 1995 (moreprolonged dynamics of the refinancing rate since 1.01.91 canbe found on the CBR web site in the Internet).
Data on the effective refinancing rate are allocated on theCBR web site in the Internet on the next day after being fixedby the Board of Directors, are disseminated through theReuters agency, and published weekly in the “Bank of RussiaBulletin”.
Individual Indicators Highlights
Refinancing rate — monetary instrument by means ofwhich the CBR affects interbank market rates, and rates ondeposits of legal entities and individuals, and also rates oncredits extended to them by credit institutions. Refinancingrate is one of the 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 Required Reserves
General Provisions
The “Credit Institutions’ Fixed Percentage Ratios in Bankof Russia Required Reserves” table shows the dynamics ofchanges in fixed ratios in required reserves by terms and typesof legal entities’ and individuals’ funds denominated in theRussian Federation currency and foreign currency and drawnby credit institutions.
Data on ratios in required reserves and their changes arepublished by the resolution of the CBR Board of Directors inthe weekly “Bank of Russia Bulletin”. These data are alsoplaced on the CBR Internet web site and disseminated throughReuters.
Individual Indicators Highlights
Required reserves (reserve claims) — one of the majorinstruments of the CBR monetary policy. They represent amechanism for regulating the banking system’s generalliquidity. Reserve requirements are set with a view of restricting
113BULLETIN OF BANKING STATISTICS № 1 (116)
credit institutions’ lending facilities and making barriers tounrestricted growth of money supply. Once a credit institution’slicense for banking operations is revoked, its required reservesdeposited with the CBR can be used in accordance with theprocedure established by federal laws and Bank of Russiaregulatory rules issued in compliance with these laws.
Pursuant to Article 38 of the Federal Law “On the RussianFederation Central Bank (Bank of Russia)”, required reservesin percentage to credit institutions’ liabilities as well as theorder of depositing them in Bank of Russia are set by the Bankof Russia Board of Directors.
Table 2.4Average Weighted Interest Rates on Bank of
Russia Deposit Operations in Money Market UsingReuters:Dealing System
Table 2.5The Structure of Funds Borrowed in Bank of Russia
Deposit Operations in Money Market UsingReuters:Dealing System
General Provisions
The Bank of Russia conducts deposit operations incompliance with Article 45 of the Federal Law on the CentralBank of the Russian Federation (Bank of Russia) with the aimof regulating banking sector liquidity by taking banks’ fundson deposit. Deposit operations are conducted with residentbanks in the Russian Federation currency only.
Tables 2.4 and 2.5 contain data on Bank of Russia depositoperations with banks in the Moscow Region and the regionalbanks that have branches in the Moscow Region and havesigned with the Bank of Russia general agreements onconducting deposit operations using the Reuters-DealingSystem: average interest rates weighted by the term and valueof the deposits and the share of each type of deposit transac-tions in the total amount of funds taken on deposit. Groupedby the dates on which funds were taken on deposit, these dataare derived from the Bank of Russia First Operations Depart-ment.
For more detailed information on the conditions andprocedure for conducting deposit operations by the Bank ofRussia, see Bank of Russia Regulation No. 67-P, datedJanuary 13, 1999, “On the Procedure for Conducting DepositOperations by the Central Bank of the Russian Federation withResident Banks in the Russian Federation Currency” (withchanges and additions).
In addition to the Bulletin of Banking Statistics, the latestdata on Bank of Russia deposit operations are available on theBank of Russia website and the Reuters Agency’s home pageCBDEPOS.
Individual Indicators Highlights
Demand — a deposit operation in which funds are entered(transferred) to a demand deposit account opened with theBank of Russia on the transaction day, while the sum taken ondeposit is reflowed and interest on it is paid at a bank’s requestmade to the Bank of Russia using the Reuters-Dealing Systemwithin the term indicated by the bank in the document confirmingthe negotiations on the return of the demand deposit to thebank. The Bank of Russia has conducted demand depositoperations since August 30, 2001.
Overnight — a deposit operation conducted for oneworking day (the term of an overnight deposit transactionconducted on Friday extends from Friday through Monday), inwhich funds are entered (transferred) to a deposit accountopened with the Bank of Russia on the transaction day, whilethe deposit amount is reflowed and interest on it is paid on thefirst working day following the date on which the funds wereentered (transferred) to the deposit account in the Bank ofRussia.
Tom/next — a deposit operation conducted for oneworking day (the term of a tom/next operation conducted on
a Thursday extends from Friday through Monday), in whichfunds are entered (transferred) to a deposit account openedwith the Bank of Russia on the working day following thetransaction day, while the deposit amount is reflowed andinterest on is paid on the first working day following the dateon which the funds were entered (transferred) to the depositaccount in the Bank of Russia.
1 week — a deposit operation conducted for sevencalendar days, in which funds are entered (transferred) to adeposit account opened with the Bank of Russia on thetransaction day, while the deposit amount is reflowed andinterest on it is paid on the seventh day after the date on whichthe funds were entered (transferred) to the deposit accountin the Bank of Russia (if the seventh day of the deposit is aholiday, the deposit amount is reflowed and interest on it ispaid on the next working day).
2 weeks — a deposit operation conducted for 14 calendardays, in which funds are entered (transferred) to a depositaccount opened with the Bank of Russia on the transaction day,while the deposit amount is reflowed and interest on it is paidon the 14th day after the day on which the funds were entered(transferred) to the deposit account in the Bank of Russia (ifthe 14th day of the deposit is a holiday, the deposit amount isreflowed and interest on it is paid on the next working day). TheBank of Russia has conducted 2-week deposit operationssince October 8, 1998.
Spot/next — a deposit operation conducted for oneworking day (the term of such a deposit operation conductedon Wednesday extends from Friday through Monday), inwhich funds are entered (transferred) to a deposit accountopened with the Bank of Russia on the second working dayafter the transaction day, while the deposit amount isreflowed and interest on it is paid on the first working dayfollowing the date on which the funds were entered (trans-ferred) to the deposit account in the Bank of Russia. TheBank of Russia has conducted spot/next deposit operationssince August 9, 1999.
Spot/1 week — a deposit operation conducted forseven calendar days, in which funds are entered (transferred)to a deposit account opened with the Bank of Russia on thesecond working day after the transaction day, while thedeposit amount is reflowed and interest on it is paid on theseventh day after the day on which the funds were entered(transferred) to the deposit account in the Bank of Russia(if the seventh day of a deposit falls on a holiday, the depositamount is reflowed and interest on it is paid on the firstworking day following the holiday). The Bank of Russia hasconducted spot/1 week deposit operations since August 9,1999.
Spot/2 weeks — a deposit operation conducted for 14calendar days, in which funds are entered (transferred) to adeposit account opened with the Bank of Russia on the secondworking day after the transaction day, while the depositamount is reflowed and interest on it is paid on the 14th day afterthe day on which the funds were entered (transferred) to thedeposit account in the Bank of Russia (should the 14th day ofthe deposit fall on a holiday, the deposit amount is reflowedand interest on it is paid on the first working day following theholiday). The Bank of Russia has conducted spot/2 weekdeposit operations since August 9, 1999.
1 month — a deposit operation conducted for one month,in which funds are entered (transferred) to a deposit accountopened with the Bank of Russia on the transaction day, whilethe deposit amount is reflowed and interest on it is paid onthe same date next month (that is, when the deposit termends) as the date on which the funds were entered (trans-ferred) (if there is no corresponding date in the month whenthe term of the deposit ends, the last day of that month isconsidered the end of the deposit term). If the end of thedeposit term falls on a holiday, the Bank of Russia returns thedeposit and pays interest on it on the first working dayfollowing the holiday. The Bank of Russia has conducted 1-month deposit operations since March 24, 1999. FromFebruary 24, 1999, to March 23, 1999, the Bank of Russia tookmoney on deposit for a term of 30 days.
114BULLETIN OF BANKING STATISTICS № 1 (116)
3 months — a deposit operation conducted for threemonths, in which funds are entered (transferred) to a depositaccount opened with the Bank of Russia on the transactionday, while the deposit amount is reflowed and interest on itis paid on the same date in 3 months (that is, when thedeposit term ends) as the date on which the funds wereentered (transferred) (should the term of the deposit end ina month that has no corresponding date, the last day of thatmonth is considered the end of the deposit term). If the endof the deposit term falls on a holiday, the Bank of Russiareturns the deposit and pays interest on it on the first workingday following the holiday. The Bank of Russia has conducted3-month deposit operations since March 24, 1999.
All terms — an average interest rate on funds taken by theBank of Russia on deposit for the corresponding period,weighted by the term and amount of the deposit.
Table 2.6Official US Dollar to Ruble Rate
Table 2.7Official Euro to Ruble Rate
General Provisions
Foreign currencies’ official rates to the Russian ruble arefixed and quoted by the Russian Federation Central Bankpursuant to Article 52 of the Federal Law “On the RussianFederation Central Bank (Bank of Russia)”. They are appliedfor calculating revenues and expenditures of the governmentbudget for all types of payments and settlements by thegovernment with enterprises, associations, organizations,and households as well as for taxation and accounting.
Foreign currencies’ official rates to the Russian ruble arequoted daily by the CBR to Reuters and other mass media. Theyalso are published in the weekly “Bank of Russia Bulletin” andplaced on the CBR Internet web site.
Individual Indicators Highlights
Official US dollar to ruble rate — is set by the Bank ofRussia each business day on the basis of current business-dayquotations for US dollar/Russian ruble operations on theinterbank exchange and over-the-counter currency markets.
Official Euro to ruble rate — is calculated and set on thebasis of the official US dollar/Russian ruble rate and euro/USdollar rate set in international currency markets for spottransactions.
These rates come into effect on the calendar day followingthe day they were set on and remain effective until the nextofficial rate of these currencies comes into effect unless Bankof Russia rules otherwise.
Table 2.8Bank of Russia Precious Metals Quotes
General Provisions
To organise an interbank market for precious metals inRussia, the Bank of Russia, guided by the Law on the CentralBank of the Russian Federation (Bank of Russia), quotes on adaily basis the buying and selling rates for refined bar gold,silver, platinum and palladium. The Table “Bank of RussiaPrecious Metals Quotes” shows the daily quotations for theseprecious metals during the reporting month. The quotationsare calculated by the Bank of Russia in accordance with itsInstruction No. 652—U, dated September 30, 1999, “On theProcedure for Calculating Bank of Russia Buying and SellingQuotations for the Refined Precious Metals in Operations withCredit Institutions”, Bank of Russia Instruction No. 700—U,dated December 17, 1999, “On Amending Bank of RussiaInstruction No. 652—U of September 30, 1999”, and Bank ofRussia Instruction No. 776—U, dated January 11, 2000, “OnAmending Some Bank of Russia Regulatory Rules”.
For the purpose of making the accounting of preciousmetals (gold, silver, platinum and palladium) in creditinstitutions, the Bank of Russia buying rate for refined gold,silver, platinum and palladium comes into effect on the businessday following the day on which it was set and remains effectiveuntil a new rate (accounting price) is set by the Bank of Russia.
For the purpose of effecting transactions, Bank of Russiabuy and sell rates for refined bar gold, silver, platinum andpalladium are effective from 14:00 to 17:00 Moscow time on theday the quotations are set.
Individual Indicators Highlights
Bank of Russia buy quotes for precious metals arecalculated as the London spot market price of gold, silver,platinum and palladium minus 5.5% for gold and 9% for silver,platinum and palladium and recalculated into rubles at thecurrent rate set at the singled US dollar trading session on theinterbank currency exchanges.
Bank of Russia sell quotes for precious metals arecalculated as the London spot market price of gold, silver,platinum and palladium plus 0.5% and recalculated intorubles at the current rate set at the singled US dollar tradingsession on the interbank currency exchanges.
115BULLETIN OF BANKING STATISTICS № 1 (116)
гдеVi
Ri Vir ,=–
r–
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 3.1.2
Daily Average Moscow Interbank Bid Rates(MIBID)
Daily Average Moscow Interbank Offered Rates(MIBOR) and
Daily Weighted Average Moscow Interbank ActualCredit Rates (MIACR)
General Provisions
The tables 3.1.1—3.1.2 present the credit institutions’rates for attracting/offering and loans for conventional fixedterms (1 day, 2 to 7 days, 8 to 30 days, 31 to 90 days, 91 to 180days, 181 days to 1 year). The tables show the range andchanges in the interbank multiterm loans. MIBOR and MIACRtables can be used for analyzing fluctuations in posted bidrates as compared against the offered rates and actual ratessettled for extended credits. In general, the data in the tablesare consistent with other data published in the Bulletin and canbe applied to a comprehensiv analysis of the financial marketstanding.
Data source: daily sampling of credit institutions which areprincipal agents of the Moscow Interbank Market.
The interbank credit rates are published in the weekly“Bank of Russia Bulletin”, the “Bulletin of Banking Statistics”and placed on the CBR Internet web site.
Individual Indicators Highlights
Moscow Interbank Bid Rates (MIBID) and MoscowInterbank Offered Rates are calculated as monthly averagefrom daily recalculated bid/offered rates on interbank credits.
Moscow Interbank Actual Credit Rate (MIACR) iscalculated as average monthly weighted of actual transactionvolumes of interbank credits.
Moscow interbank bid/offered rates are defined foreach date and term as simple average of daily recalculatedbid/offered rates for corresponding terms and for all relatedbanks. The calculation, however, does not include bid/offeredrates for banks’ branches.
For each standard term the posted bid/offered rates arecomputed as a simple average by the following formula:
— current actual credit rate (MIACR);K
n — rate of interbank credits extended by n-bank on this day;
Sn — total loans extended by n-bank over this day;
n — number of banks whose data are used to compute a ratefor a specified credit term.
Terms are based on number of working days within aperiod.
Subsection 3.2Exchange Market
Table 3.2.1US Dollar Trade at Interbank Currency Exchange
Table 3.2.2Euro Trade at Interbank Currency Exchange
General Provisions
Trade in foreign currencies for Russian rubles is conductedat the interbank exchange markets — special markets li-censed by the CBR for arranging purchase and sale of foreigncurrencies for Russian rubles, including the following settle-ments. Bids are performed on a daily basis except weekendsand public holidays. The bidding participants are authorisedbanks, members of the exchanges (the Bank of Russia mayalso take part). Trading and settlements on the interbankcurrency exchanges are regulated by the rules approved by theauthorised bodies of the interbank currency exchanges andagreed with the Bank of Russia.
The tables contain data on the principal interbank exchangemarkets operating with US dollars, German marks and Euro.The data are obtained from monthly reporting of the authorizedexchange markets and the CBR regional departments.
The bidding results are published in the “Bulletin ofBanking Statistics”, the weekly “Bank of Russia Bulletin” andplaced on the CBR Internet web site. In addition, the relevantinformation is released daily to the mass media fordissemination through the mass media.
Individual Indicators Highlights
Average weighted rate is defined as an average weightedrate with the following formula:
гдеSn
KnSnp ,=–
— average weighted rate;R
i — average weighted rate of a bidding session;
Vi — trading volume.
Trading volume is the total number of contracts settledover a bidding session.
Table 3.2.3Foreign Cash Flow Through Authorized Banks
Across Russia
General Provisions
The table “Foreign Cash Flow Through Authorized BanksAcross Russia” comprises principal indicators of foreign cashcirculation within the RF territory.
Data in the table are obtained from monthly reporting onforeign cash flows and documentary payments in foreigncurrency by credit institutions licensed for foreign currencytransactions (authorized banks).
Information on foreign cash flow through Russia’sauthorized banks is published in the “Bulletin of BankingStatistics”, the weekly “Bank of Russia Bulletin” and placedon the CBR Internet web site.
гдеnPn
p ,=–
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 computingspecific standard term.
Moscow interbank actual credit rates are calculatedfor each date and every standard credit term as an averageweighted of total actual credit contracts. No records are madeof rates on credits extended by banks to its branches or onrollover credits.
Interbank actual credit rates are defined for every standardcredit term as a weighted average through the formula:
p–
116BULLETIN OF BANKING STATISTICS № 1 (116)
Individual Indicators Highlights
Total foreign currency receipts — include all foreigncurrency cash receipts to vaults in authorized banks (and theirbranches) excluding the interbranch turnover.
Banks’ imports (entered to cash account) to Russia— the amount of foreign cash imported to the Russian territoryby the authorized banks and entered to cash account.
Purchased from resident banks1 — foreign cash postedto tills of authorized banks as a result of transactions with otherresident banks.
Purchased from individuals and accepted forconversion — amount of foreign cash purchased or acceptedfor conversion (exchange of one foreign currency for another)from individuals (residents and nonresidents) as recorded inthe foreign cash registers.
Received from individuals (residents and nonresi6dents) for entering to their foreign currency accounts —foreign cash received from individuals (resident andnonresident) for entering to their foreign currency accounts.
Received from legal entities for entering to theirforeign currency accounts — foreign cash receipts fromcorporate bodies (residents and nonresidents) to reflectearlier withdrawals from an authorized bank to pay for travelsabroad, if there is any surplus, and foreign cash credited toforeign currency accounts by legal entities (residents andnonresidents) based on the Bank of Russia’s permission.
Other receipts include other foreign cash amounts,inclusive of:— commission charged in foreign currency for transactions
with foreign cash and foreign currency payment documents;— the returned balances of the amounts that were withdrawn
by legal entities (resident and nonresident) from theirforeign currency accounts with authorized banks to covertravel expenses on business trips abroad and not spent infull;
— foreign cash entered to current accounts of legal entitiesupon the approval by the Bank of Russia;
— foreign currency brought to the Russian Federation bynonresident banks to replenish their correspondentaccounts and posted to tills of the authorized banks;
— posting to tills of the authorized banks of foreign banknoteswhose authenticity has been confirmed by the appropriateauthentication expertise certificates;
— non-usable foreign banknotes bought for cash rubles andposted to tills of authorized banks;
— entering of contributions, sponsorial and other charitabledonations to accounts of enterprises and organisations;
— crediting of earnings from selling goods (services andworks) abroad to accounts of enterprises and organisations;
— entering of earnings from selling goods for foreign currencyin duty-free shops to accounts of resident legal entities;
— entering of duties and customs levied in foreign currency;— foreign cash deposited by individuals for non-commercial
transfers abroad;— foreign cash deposited by individuals for redemption of
loans granted by authorized banks;— earnings from foreign currency documentary payment;— other legitimate foreign currency receipts.
Total foreign cash expenses — all types of foreign cashexpenditures by authorized banks (branches) except forinterbranch turnover payments.
Banks’ exports from Russia (“cash” account debit) —amount of foreign cash exported from the Russian Federationby authorized banks.
Sales to resident banks — amount of foreign cashwithdrawn from tills of authorized banks as a result oftransactions with other resident banks.
Sales to individuals — amount of foreign currency sold toindividuals (residents and nonresidents) or paid out as a resultof foreign currency conversion (exchanged for another foreigncurrency) as recorded in the foreign cash registers.
Payments from personal foreign currency accounts(residents and nonresidents) — foreign cash amountspaid out to individuals (resident and nonresident) from theirforeign currency accounts.
Payments from corporate foreign currency accounts— foreign cash withdrawals by corporate clients (residentsand nonresidents) from their foreign currency accounts to payoff overseas business travels, and foreign cash withdrawalsfrom current foreign currency accounts of corporate entities(residents and nonresidents) as authorized by the CBR.
Other — other types of foreign cash use, inclusive 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) upon the approval bythe Bank of Russia;
— other expenses allowed by foreign exchange legislation,including amounts in foreign cash paid out to legal entities(resident and nonresident) from their foreign currencyaccounts with authorized banks to cover expenses relatedto business trips of their employees abroad.Foreign cash balances at the end of reporting period
— amount of foreign cash balance at the end of reportingmonth.
Table 3.2.4Selected Indicators Featuring Foreign Cash
Transactions by Authorized Banks’ ExchangeOffices
General Provisions
The “Selected Indicators Featuring Foreign CashTransactions by Authorized Banks’Exchange Offices” tableshows transactions in US dollars and German marks, which arethe key currencies available at the domestic foreign cashmarket.
Data are provided by monthly reporting on foreign cashflows and documentary payments in foreign currency by creditinstitutions licensed for foreign currency transactions(authorized banks).
Along with releasing information on selected indicators offoreign cash operations by exchange offices of the authorizedbanks through “Bulletin of Banking Statistics”, it is alsoavailable on the CBR Internet web site.
Individual Indicators Highlights
Average single transaction — average foreign cashinvolved in one transaction. The indicator is defined as the ratioof foreign cash amount purchased/sold to/from residents ornonresidents for ruble cash to the number of transactions forforeign cash purchase/sale for rubles in cash .
Number of transactions — number of foreign cashpurchases/sales for cash rubles.
Average monthly rate — average rate of foreign cashsales/purchases defined as the ratio of cash rubles received/paid for foreign cash to the amount of foreign currencypurchased/sold for cash rubles from/to residents andnonresidents.
Average transaction margin — difference between ratesof foreign cash purchase and sale.
Percentage share of a specific foreign currencytransaction in total volume of foreign cash transactionsby exchange offices — share of purchase/sale transactionsfor a specific currency (US dollar, German mark) in the totalvolume of transactions in all foreign currencies.
1 Foreign cash withdrawals from individuals’ foreign currency accounts (resident and nonresident) through the ATM of authorized banks (and their branches) that arenot issuers of credit and debit cards used for withdrawals, are included in item “Other”.
117BULLETIN OF BANKING STATISTICS № 1 (116)
Table 3.2.5Average Foreign Cash Purchase
and Sale Transactions with Individualsby Authorized Banksand Their Branches
General Provisions
The table shows purchase and sale transactions withindividuals by authorized banks and their branches ranged byan average transaction amount. This differentiates betweentotals of foreign cash purchases/sales to/from individualsbased on fixed amount intervals for transactions. Theinformation is provided by monthly reporting on foreign cashflows and documentary payments in foreign currency by creditinstitutions licensed for foreign currency transactions (autho-rized banks).
Along with releasing information on average foreign cashpurchase and sale transactions with individuals by authorizedbanks and their branches through “Bulletin of BankingStatistics”, it is also available on the CBR Internet web site.
Individual Indicators Highlights
Transactions volume—based distribution is defined asthe ratio of foreign cash purchased/sold to/from residentsand nonresidents in cash rubles to a number of foreignexchange transactions in cash rubles reported by eachauthorized bank’s (branch or headquaters for lack of branches).The amount of purchased/sold foreign cash and the numberof within—an—interval transactions by all branches or head-quarters show the general distribution of the estimated averagetransaction.
Subsection 3.3Main Characteristics of the Government
Securities MarketThe subsection “Main Characteristics of the Government
Securities Market” comprises data on specific placement andredemption parameters of short-term government bond (GKO)and federal loan bond (OFZ) issues and indicatorscharacterising GKO and OFZ secondary trading.
For details about the terms and conditions of governmentsecurities issues, circulation and redemption, see the Provisionon the Servicing and Circulation of Couponless Short-TermGovernment Bonds, approved by Bank of Russia Order No. 02—125, dated June 15, 1995, hereinafter referred to as the Provision.
The data source for all tables characterising the GKO—OFZ market is the global certificate of issue and informationprovided on a daily basis by the Moscow Interbank CurrencyExchange (MICEX).
Data on operations with government securities are publishednot only in the Bulletin of Banking Statistics, but also in theweekly Bank of Russia Bulletin (Vestnik Banka Rossii) and in thesubsection “Government Securities Market” of the section“Financial Markets” in the Bank of Russia site on the Internet.
Table 3.3.1Main Highlights of Auctions
for GKO—OFZ Placement
General Provisions
The Table “Main Highlights of Auctions for GKO—OFZPlacement” contains information on the results of the GKO—OFZ primary placement.
Individual Indicators Highlights
Date — date of the GKO—OFZ primary placement.Bond code determines the issue put up for auction.Demand volume — maximum volume of the issue that
auction participants were ready to acquire.
Volume placed — the issue volume actually acquired byauction participants.
Cut6off price determines the bottom price level ofaccepted bids.
Average weighted price is the ratio of proceeds to thebond volume placed.
Official yield by the average weighted price — yield tomaturity calculated by the average weighted price inaccordance with the official method of yield assessment forthe given type of bonds (GKO — simple yield, OFZ — effectiveyield).
Table 3.3.2Data on Government Securities Redemption and
Coupon Payments
General Provisions
The table “Data on Government Securities Redemptionand Coupon Payments” contains data on the expenses involvedin bond redemption in the GKO—OFZ market.
Individual Indicators Highlights
Date of placement — the date of floating a security issuewhich was redeemed or on which the coupon payments wereeffected.
Security code — a unique identifier of an issue given inaccordance with the Provision.
Volume of redemption/coupon payment — the moneyspent on redemption/coupon payment.
Volume in circulation — the current nominal amount ofsecurities in circulation on the payment date.
Current coupon rate — the rate of coupon income on thepayment date.
Table 3.3.3Term Structure of Bonded Debt (the GKO—OFZ
part of there)Table 3.3.4
Main Characteristics of the Secondary GKO—OFZMarket
General Provisions
The table “Term Structure of Bonded Debt (the GKO—OFZ part there of)” shows how the GKO—OFZ market isstructured in terms of bond maturity.
The table “Main Characteristics of the Secondary GKO—OFZ Market” contains the principal indicators on GKO—OFZsecondary trading.
These data apply to outstanding bonds only. For detailsabout how these indicators are calculated, visit the Bank ofRussia site on the Internet.
Individual Indicators Highlights
Share of total volume in circulation at par — calculatedas the ratio of the volume in circulation of a specific kind ofsecurities to the volume of all outstanding bonds at face value.
Market portfolio indicator — mean effective yield on aspecific kind of securities, weighted by time to redemptionand volume in circulation.
Market turnover indicator — mean effective yield on aspecific type of securities, weighted by time to redemptionand turnover.
Turnover rate — the ratio of secondary market turnoverto market volume.
Duration — the average volume-weighted period tointerest payments on securities, including coupon payments.
Government short6term bonds — short-term couponlesstreasury bills.
Investment federal loan bonds — zero-coupon federalloan bonds.
118BULLETIN OF BANKING STATISTICS № 1 (116)
Permanent6income federal loan bonds — federal loanbonds with a permanent coupon interest rate (these do notinclude investment federal loan bonds). This kind of securitiesdiffers from others in that their coupon interest rate remainsunchanged throughout their life.
Fixed6income federal loan bonds — federal loan bondswith a fixed coupon interest rate. Unlike the permanent-income federal loan bonds, these bonds have coupon interestrates that change throughout their life.
Federal loan bonds with debt depreciation — federalloan bonds whose nominal value is redeemed by instalments.The coupon interest rate on these bonds is fixed for eachcoupon and coupon income is paid on the unredeemed partof nominal value.
Table 3.3.5Average Weighted Interest Rates of the
Government Securities Market
General Provisions
Table “Average Weighted Interest Rates of the GovernmentSecurities Market” reflects the GKO—OFZ interest ratesdepending on residual maturities. The calculation covers allmarketable issues.
The information on the average weighted interest rates ofthe Government securities market is published in the Bulletinof Banking Statistics and placed on the Bank of Russiawebsite.
Individual Indicators Highlights
The short6term indicator of the market portfolio — anaverage of effective yields on issues with residual maturitiesupto 90 days inclusive, weighted by residual maturities andtrading volumes.
The medium6term indicator of the market portfolio —an average of effective yields on issues with residual maturitiesfrom 91 to 364 days inclusive, weighted by residual maturtiesand trading volumes.
The long6term indicator of the market portfolio — anaverage of effective yields on issues with residual maturitiesover 364 days, weighted by residual maturities and tradingvolumes.
Table 3.4Some Corporate Securities Market Indicators
General Provisions
Table “Some corporate securities market indices” presentsdata on the values of the MICEX and RTS indices and tradeturnovers on the Moscow Interbank Currency Exchange (MICEX)and the Russian Trading System (RTS).
The MICEX index is arrived at by using the classicalaggregate reference Paasche index which shows the relativechange of the equity market capitalization vs. the marketcapitalization of the same equity at the initial date. The MICEXindex is computed on a daily basis starting from September 22,
1997. The index is arrived at with the shares included in theMICEX quotation lists serving as its base.
The RTS index is the only official indicator of the RussianTrading System. All prices are in US dollars. The list of sharesused in computing the RTS index contains shares included inthe quotation lists of the first and second levels as well asshares selected on the basis of the expert appraisal. The listof shares used in computing the RTS index may be revised notmore than once in three months.
Individual Indicators Highlights
MICEX trade turnover — total amount of transactionswith shares and corporate bonds concluded in the MICEXStock Market Section.
MICEX index (aggregate stock market index) is arrivedat by using the share prices in rubles according to the formula:
гдеD
1IMICEX ,=
=i 1
=j 1
N
M
ki Qi Pi
Qb
j Pb
j
( ) ( )Q
I— number of i-type shares at the time of index computation;
PI— average-weighted i-type share price at the time of index
computation;k
I— weight ratio;
N — number of shares included in the index computation baseat the time of its computation;Qb
j— number of j-type shares at the time of determining the
index initial value;Pb
j— average-weighted j-type share price at the time of
determining the index initial value;M — number of shares included in the index computation baseat the time of determining its initial value;D — correction ratio adjusting the index value when the indexcomputation base changes.
RTS trade turnover — total amount of transactions withshares and corporate bonds concluded at the RTS at secondarytrades.
RTS index (foreign exchange value) is computed at thesettlement date (I
n) as the ratio of the total market capitalization
of shares (MCn) included in the list for index computation to the
total market capitalization of the same shares at the initial date(MC
1) multiplied by the index value at the initial date (I
1):
гдеMC0
MCnI In ,1=
=
=
L
i
in гдеQPMCn
1
, ,i
QI— number of shares of the corresponding name emitted by
the issuer at the current date;P
n,i— price of i-th share in US dollars at the settlement time n;
L — number of share names included in the list by which theindex is computed.
119BULLETIN OF BANKING STATISTICS № 1 (116)
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 Institutions” tableprovides data on the number and structure of the registeredcredit institutions in the Russian Federation.
Credit institutions are subject to the state registrationpursuant to the Federal Law on the State Registration of LegalEntities. They are registered according to the procedureestablished by Articles 4 and 59 of the Federal Law on theCentral Bank of the Russian Federation (Bank of Russia) andArticle 12 of the Federal Law on Banks and Banking Activities.
The Bank of Russia takes decisions on the state registrationof credit institutions, grants banking licences to them andsuspends and revokes such licences.
Data on the establishment, reorganisation and liquidationof credit institutions and other data stipulated by federal lawsare entered into the single state register of legal entities by theauthorised registering body on the basis of a Bank of Russiadecision on the corresponding state registration. The Bank ofRussia interacts with the authorised registering body onissues relating to the state registration of credit institutionsin accordance with the procedure agreed by the Bank of Russiawith the authorised registering body. (For the procedure toregister credit institutions and license banking activities, seealso Bank of Russia Instruction No. 75-I, dated July 23, 1998,“On the Procedure for Applying the Federal Laws Regulatingthe Procedure for Registering Credit Institutions and LicensingBanking Activities” (with changes and additions).)
To fulfil its controlling and supervisory functions, the Bankof Russia keeps the State Register of Credit Institutions inaccordance with the procedure established by the federallaws and Bank of Russia rules and regulations issued inpursuance of these laws.
The register of the licences granted to credit institutionsmust be published by the Bank of Russia in the official Bankof Russia Bulletin at least once a year. Any change or additionto the register is published by the Bank of Russia within onemonth from the day it was entered into the register.
Information on official registration of credit institutions,granting them licences, changes in their names, location,restructuring and breakdowns are reported in the officialweekly “Bank of Russia Bulletin” and placed on the CBRInternet web site.
Individual Indicators Highlights
The concepts of a credit institution, bank and nonbankingcredit institutions are determined by the Federal Law “OnBanks and Banking Activity” (Article 1):
Credit institution — legal entity authorized by a specialCBR permission (license) to make its profits from bankingtransactions within the framework of the above legislation. Acredit institution may be established on the basis of any formof ownership as an economic agent.
Bank — credit institution having an exclusive authority forcomplex banking operations , namely: to attract deposits oflegal entities and individuals1, to accommodate raised fundson its behalf and at its cost on terms of repayability,chargeability, and promptness, and also to open and keepbanking accounts of individuals and incorporated entities.
Nonbanking credit institution — credit institutionauthorized for selected banking operation, within the rangespecified by the CBR.
Registered credit institutions — credit institutions havingon a reporting date the status of legal entities, including those
from prohibited performing banking operations but still existingas legal entities.
Credit institutions licensed for banking transactions —credit institutions registered by the Bank of Russia beforeJuly 1, 2002, or by the authorised registering body, and entitledto conduct banking operations, and also non-bank creditinstitutions registered by other bodies and granted a Bank ofRussia banking licence.
Bank of Russia’s licence is a special permission of theCentral Bank of the Russian Federation (Bank of Russia) onwhose basis a credit institution has the right to conduct bankingoperations. The banking licence spells out the banking operationsthe given credit institution has the right to effect, and also thecurrency in which these banking operations can be performed.Licensing of the banking activity of newly created creditinstitutions and expanding the activities of credit throughgranting additional licences are specified by the Bank ofRussia’s regulation.
The following types of licences may be issued to the newlycreated credit institutions:— licence to conduct banking operations in rubles (without
the right to attract natural persons’ funds into deposits);— licence to conduct banking operations in rubles and
foreign currency (without the right to attract naturalpersons’ funds into deposits);
— licence to take on deposit and place precious metals. Thislicence may be granted to a bank along with a licence toconduct banking operations with funds in rubles and foreigncurrency (without the right to take household funds ondeposit).The following types of banking licences may be issued to
an operating bank for expansion of its activities:— licence to conduct banking operations in rubles and
foreign currency (without the right to attract naturalpersons’ funds into deposits);
— licence to attract funds into deposits and place preciousmetals. This licence may be issued to a bank provided thatthe latter has already the licence to conduct bankingoperations in rubles and foreign currency or simultaneouslywith it;
— licence to attract natural persons’ funds in rubles intodeposits;
— licence to attract natural persons’ funds in rubles andforeign currency into deposits.General licence may be issued to a bank having licenses
to conduct banking operations in rubles and foreign currency(without the right to take household funds on deposit) and toopen ruble and foreign-currency accounts for private individualsand complying with the Bank of Russia’s capital adequacyrequirements. The Bank of Russia’s regulation establishes thesize of own funds (capital) of a bank applying for the Generalbanking licence. The bank with the General licence has theright to establish branches outside the Russian Federationand (or) acquire shares in the authorized capital of non-resident credit institutions.
The Bank of Russia’s licences to attract householdfunds — pursuant to the Federal law “On Banks and BankingActivities” (Article 36) the right to attract funds of naturalpersons into deposits is granted to banks whose officialregistration dates back to no less than two years.
Authorized capital of credit institution is based onshares and provides a minimal amount of assets serving asguarantee for creditors (Article 11 of Federal Law “On Banksand Banking Activity”). The size of authorized capital is notrestricted by legislation but, to assure a credit institution’sstability, the CBR introduced the minimal amount of authorizedcapital (the minimum amount of authorised capital for newcredit institutions is established by the corresponding Bankof Russia regulation).
Registered authorized capital of operating creditinstitutions — the authorised capital paid up by members of
120BULLETIN OF BANKING STATISTICS № 1 (116)
the credit institution and entered down in its foundingdocuments (i.e. by the authorised registering body has madean entry in the single state register of legal entities on the stateregistration of the changes in the founding documents of thecredit institution (an entry on the state registration of a newversion of the founding documents of the credit institution),containing information on the amount of authorised capital).
Branches of operating credit institutions — separatelylocated structural units of credit institutions having a differentlocation and performing on their behalf a full range or selectedbanking transactions specified by the CBR license.
Starting the line “Sberbank branches” records Russia’sSberbank branches entered into the State Register of CreditInstitutions with reference numbers attached. Before January 1,1998, a total number of Savings Bank (Sberbank) brancheswas written down in this line in the monthly Data on CreditInstitutions.
Representative offices of operating creditinstitutions — autonomous structural units of credit institutionshaving a different location, acting on their behalf and protectingtheir interests. Representative offices are not entitled forbanking transactions.
Credit institutions with revoked licenses — creditinstitutions whose banking licenses were revoked by theCBR’s resolution based on the Federal Law “On the RussianFederation Central Bank (Bank of Russia)”.
Once a resolution on revoking a license is published, acredit institution loses its authority to make transactions orcomplete contracts except for ones specified in items 3 and4, section 4, Article 20 of the Federal Law “On Banks andBanking Activity”, and item 2.1 of the Russian FederationCentral Bank Provisions “On Banking Licenses Revocationfrom Banks and Other Credit Institutions in the RussianFederation” No. 264 dated 2.04.96.
Credit institutions subject to liquidation — creditinstitutions 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 liquidationin accordance with paragraph 2 of point 2 of Article 61 ofthe Civil Code of the Russian Federation);
— an arbitration court (compulsory liquidation in accordancewith paragraph 3 of point 2 of Article 61 of the Civil Codeof the Russian Federation).b) with procedures of bankruptcy by the decision of:
— a general meeting of stockholders or its body authorisedin accordance with the founding documents to pass theliquidation decision and declare the credit institutionbankrupt with its creditors’ consent (a voluntary declarationof bankruptcy of a credit institution and its liquidation inaccordance with point 2 of Article 65 of the Civil Code ofthe Russian Federation before the coming into force ofFederal Law No. 40-FZ, dated February 25, 1999, “OnInsolvency (Bankruptcy) of Credit Institutions”);
— an arbitration court (which may rule a credit institutionbankrupt and initiate bankruptcy proceedings inaccordance with point 1 of Article 65 of the Civil Code ofthe Russian Federation, Federal Law No. 6-FZ, datedJanuary 6, 1998, “On Insolvency (Bankruptcy) and FederalLaw No. 40-FZ, dated February 25, 1999, “On Insolvency(Bankruptcy) of Credit Institutions).Credit institutions in receivership with court—
appointed interim trustees (structure of a liquidatingcommission is agreed) — credit institutions subject toliquidation:
a) without any signs of bankruptcy, in which— the founders or a body that has taken the decision to
liquidate the credit institution have appointed liquidationcommissions (liquidators), approved by the Bank of Russia;
— a liquidator has been appointed by the decision of anarbitration court;b) with procedures of bankruptcy in which by the decision
of:— a general meeting of stockholders or its body authorised
to do so by the founding documents the liquidating
commissions are appointed;— an arbitration court bankruptcy proceedings (are is open
begun) and the receiver is appointed.
Table 4.1.2Number of operating credit institutions with non:residents’ participation in the authorized capital
licensed by the Bank of Russia
General Provisions
Table “Number of operating credit institutions with non-residents’ participation in the authorized capital licensed by theBank of Russia” carries information on non-residents’ partici-pation in the authorized capital of credit institutions in theRussian Federation
Individual Indicators Highlights
Residents/Non6residents — the notions “residents” and“non-residents” used for calculating the indicators of thistable are defined in accordance with the Russian FederationLaw “On Foreign Exchange Regulation and Foreign ExchangeControl”, No. 3615-1 of October 9, 1992.
Credit institution with non6residents’ participation inthe authorized capital is a resident credit institution whoseauthorized capital is formed with the non-residents’participation regardless of their share in it.
When calculating indicators of the table, the banks with theGeneral licence were not included in the number of bankslicensed by the Bank of Russia to conduct operations in foreigncurrency.
Table 4.1.3Credit Institutions Grouped byRegistered Authorized Capital
General Provisions
The “Credit Institutions Grouped by RegisteredAuthorized Capital” table is complementary to the “Numberand Structure of Credit Institutions” table and presentsquantitative distribution by the size of registered authorizedcapital (see comments on the “Number and Structure ofCredit Institution” table). Authorized capital is broken downby intervals giving an overall picture of Russian small,medium and large credit institutions. The quarterly supple-ment to the “Bulletin of Banking Statistics” provides similardata dissected by Russian regions.
The State Register of Credit Institutions serves as datasource for the said.
Along with releasing information on the breakdown ofcredit institutions by the size of their authorized capitalthrough the “Bulletin of Banking Statistics”, it is also availableweekly in the “Bank of Russia Bulletin”, and on the CBR Internetweb site.
Table 4.1.4Groupings of operating credit institutions by non:
residents’ participation share in the authorizedcapital
General Provisions
The Table “Groupings of operating credit institutions bynon-residents’ participation share in the authorized capital”shows the numerical distribution of credit institutions rangedby the size of the non-residents’ participation share in theauthorized capital and incorporated into groups.
Data source are credit institutions’ reports
Individual Indicators Highlights
See the commentary to Table 4.1.2 “Number of the operatingcredit institutions with non-residents’ participation in theauthorized capital licensed by the Bank of Russia”.
121BULLETIN OF BANKING STATISTICS № 1 (116)
Table 4.1.5Selected Indicators of Credit Institutions
Performance Grouped by Assets
General Provisions
The “Selected Indicators of Credit Institutions’ PerformanceGrouped by Assets” table includes groups which are shapedthrough constructing credit institutions series by descendingassets criterion with the subsequent grouping intohomogeneous-similar assets groups within a series. Suchgrouping exemplifies cases of concentrated banking invest-ments and borrowings specific groups of banks, and fund—raising and investment operations by credit institutions withdifferent assets.
Data are taken from the monthly aggregate balance sheetof the operating credit institutions (with all branches). Assetsand liabilities items included in the “Credit InstitutionsPerformance” subsection of the Bulletin are broken down bytheir initial market value at time of purchase. Assets andliabilities in foreign currency, precious metals and securitiesinclude revaluation results except for bills which are notsubject to revaluation.
Individual Indicators Highlights
Number of branches throughout the RF territory —branches of credit institutions recorded in the State Register(on the State Register see comments on the “Number andStructure of Credit Institutions” table).
Credits extended — debt (including overdue) of legalentities and individuals to credit institutions on all loansincluding loans to all—level government authorities, foreigncountry, extrabudgetary funds, nonresidents in domestic andforeign currency and in precious metals. Funds provided bycredit institutions on REPO terms are excluded, they are shownas investments in securities.
Corporate loans — debt (including overdue) ofnonfinancial and financial resident institutions (excludingcredit ones) to credit institutions on all domestic and foreigncurrency loans and precious metals loans.
Personal loans — debt (including overdue) of residentand nonresident individuals and self—employed individualson consumer loans in domestic and foreign currency.
Bank credits — debt (including overdue) on interbankcredits, of which credits extended to nonresident banks.Deposits and other funds placed with banks are excluded.
Outstanding debt on credits extended to enterprisesand entities/banks/individuals; — corporations; —individuals — including outstanding debt on credits, deposits
and other placements given to residents and nonresidentslegal entities and individuals, to foreign country and also onoperations with precious metals. Outstanding debt does notinclude overdue interest.
Investment in government securities — creditinstitutions’ investment in Russian government bonds.
Investment in bills — amount of discounted bills in thecredit institutions’ portfolio.
Investments in shares and equity interest by residentcorporations (except for banks) — includes creditinstitutions’ investments in shares made with the aim ofobtaining controlling interest in the activity of subsidiary andaffiliate join-stock companies and other interest in theauthorised capital of resident enterprises and organisationsand investment in (listed and unlisted) shares of enterprisesand organisations made with the purpose of receiving incomeon investment (for credit institutions’ investment in securitiessee Note to Table “Structure of Credit Institutions’ Investmentsin Securities”).
Corporate funds with banks — balances on enter-prises’ and agencies’ accounts in domestic and foreigncurrency and precious metals. (Account balances on self—employed individuals’ accounts are not included). Alsoexcluded deposits and means which have been written offfrom accounts of clients.
Budgetary funds with banks — funds of all-level budgetsand government extrabudgetary funds.
Personal deposits — demand and term personal depositsand other raised found by residents and nonresidents, anddomestic/foreign currency accounts of self—employed indi-viduals and also non fulfilled engagements on demand andterm personal deposits and other raised found by residentsand nonresidents. Accrued interest on deposits is kept ondifferent accounts excluded when this indicator calculating.
Negotiable debt — nominal value of banks’ securities:bonds, deposit and savings certificates, bills and acceptances.
Own funds (capital) is the free of obligations property ofcredit institutions. Up to January 1, 2002, this indicator iscalculated in accordance with Bank of Russia Provision No. 31-P, dated June 1, 1998, and from January 1, 2002, — inaccordance with Bank of Russia Provision No. 159-P, datedNovember 6, 2001, On the Methodology of Calculation ofCredit Institutions’ Own Funds (Capital).
The source of data is the reports of Russian creditinstitutions as per form No. 134 “Calculation of Own Funds(Capital)”.
Total assets — value of credit institutions’ assets(balances on accounts reflecting credit institutions’settlements are included in total assets).
More descriptive data on the selected indicators withdissection by domestic and foreign currency are given in thefollowing tables: “Deposits”, “Deposit and Savings Certificatesand Bonds”, “Funds Owned by Legal Entities and Individualsand Raised Through Bills”, “Structure of Credit Institutions’Investments in Securities”, “Discounted Bills”. This informationcan be complemented by monthly balance sheets of selectedcredit institutions which are included on the CBR Internet website (see the CBR web site for ”Credit Institutions” within the“Banking System” section).
Table 4.1.6Financial Performance of Credit Institutions
General Provisions
Table “Financial Performance of Credit Institutions”contains data characterising the financial performance ofcredit institutions.
The source of information is data from the reports compiledby credit institutions in accordance with Form 101 “Statementof Accounts of Credit Institutions.”
Individual Indicators Highlights
Total volume of profit (+)/losses (—) of operatingcredit institutions is arrived at by summing the derivedincome minus the expenses over the accounting period,previous years’ retained profit (loss) of operating creditinstitutions. Profit (loss) is arrived at on an accrual basis.
Volume of profit of credit institutions showing profitis arrived at by summing the derived income minus theexpenses over the accounting period, previous years’ retainedprofit (loss) of credit institutions which obtained profit or hada zero financial result over the accounting period. Profit isarrived at on an accrual basis.
Share of credit institutions showing profit is the shareof credit institutions showing profit or zero financial resulttaking into account the previous years’ results in the totalnumber of operating credit institutions registered in theRussian Federation.
Volume of losses of credit institutions showing lossesis arrived at by summing the derived income minus theexpenses over the accounting period, previous years’ retainedprofit (loss) of credit institutions that had losses over theaccounting period. The loss is arrived at on an accrual basis.
Share of credit institutions which posted losses is theshare of credit institutions taking into account the previousyears’ results in the total number of operating credit institutionsregistered in the Russian Federation.
Profit application — use of profit of the current andpreceding financial years for settlement of the tax and otherobligatory payments with the budget; transfer of funds madeunder the decision of general meeting of shareholders (par-
122BULLETIN OF BANKING STATISTICS № 1 (116)
ticipants) or in accordance with the founding documents of thecredit organization to the reserve fund, special fund, accumu-lation and other funds; payments of dividends, cover of lossesof the last years and other operations established by thelegislation of the Russian Federation.
Table 4.1.7Financial Performance of Credit Institutions (from
the begining of the year net of profit/lossesof previous years)
The Table “Financial Performance of Credit Institutions(since start of year, net of profits/losses of previous years)”contains indicators characterising the financial results of theactivities of credit institutions in the period since the beginningof the current year. The financial results of the activities ofcredit institutions in the years preceding the current year arenot taken into account.
Information for this Table is derived from data reported byoperating credit institutions in accordance with Form No. 101“The Account Book of a Credit Institution”.
Individual Indicators Highlights
A total amount of profits (+)/losses(—) made byoperating credit institutions is calculated by summing upthe incomes received net of the expenses made by operatingcredit institutions in the period under review and the current-year retained profit (loss) of operating credit institutions.Profit (loss) is calculated on an accrual basis.
The amount of profits made by profit6making creditinstitutions is calculated by summing up the incomes receivednet of the expenses made in the period under review and thecurrent-year profit (loss) made by credit institutions withprofit or zero financial result for the current year. Profit iscalculated on an accrual basis.
The share of profit6making credit institutions is theshare of credit institutions that have made profit or posted zeroresult from its activities in the period from the start of the yearunder review in the total number of operating credit institutionsregistered in Russia.
The amount of losses incurred by loss6making creditinstitutions is calculated by summing up the incomes receivednet of the expenses made in the period under review and thecurrent-year retained profit (loss) of the loss-making creditinstitutions in the period under review. Loss is calculated onan accrual basis.
The share of loss6making credit institutions is theshare of credit institutions that have incurred losses in theperiod from the beginning of the year under review in the totalnumber of operating credit institutions registered in Russia.
Profit used signifies the use by operating credit institutionsof their current-year profits on tax payments, duties and mandatorypayments to the budget; allocations made by the decision of theshareholders’ (members’) general meeting or in accordance withthe credit institution’s founding documents to the reserve fund,special funds, accumulation fund and other funds, dividendpayments to shareholders (members), cover of previous years’losses and other operations stipulated by the legislation of theRussian Federation.
Subsection 4.2Borrowings
Table 4.2.1Deposits
General Provisions
The table presents data on one of the major transactionsin liabilities, namely, borrowings by credit institutions —drawings of domestic and foreign currency from legal entitiesand individuals to bank deposits. Data are grouped byborrowing periods specified according to the deposit andother raised fund contract terms including all complementary
agreements. The table shows total funds raised by creditinstitutions in deposits. The data compilation methodology forthe information in this table differs from that used for similardata in the “Analytical Accounts of Credit Institutions” tableincluded in the analysis of money supply and its structure. Datain table 4.2.1 is presented in a view to highlight these differ-ences in the methodology. The “Deposits” table does not coverdeposits of legal entities and individuals with theVneshekonombank which is not within the scope of creditinstitutions, but includes the RF nonresident funds. Also notcover accrued interest. Discrepancies among individual indi-cators can be found below.
The data are drawn from monthly aggregate balance sheetof Russian operating credit institutions.
Individual Indicators Highlights
Total ruble/foreign currency deposits by maturity —money (cash and noncash rubles and foreign currency) depos-ited by the owners (residents and nonresidents) in banksunder determined conditions. Data in the table are presentedby type of depositor (individuals and legal entities — corpo-rations and agencies), terms and withdrawal procedures(demand and time deposits).
Demand deposits — funds of residents and nonresidentskept with a bank for an undetermined period which can not befixed at the time the funds are credited to an account, and canbe completely or partially withdrawn at any time. Includingdeposits with use of banking cards.
Time deposits — money deposits with a precisely determinedterm of repayment and interest rate.
Personal deposits (from 1.04.2001 — Personal depositsand other raised found) — demand deposits (includingamounts deposited for debit and credit cards settlements,from 1.04.2001 also including non fulfilled engagements ondeposits and other raised founds) and time deposits byresident and nonresident individuals, and funds on self—employed individuals’ accounts.
Corporate deposits — demand deposits (includingdeposits intended for debit and credit card settlements,from 1.04.2001 also including non fulfilled engagements ondeposits and other raised founds) and time deposits of all—level budgets, extrabudgetary funds, financial institutions(except for credit ones), nonfinancial institutions of all typesof property, and also nonresident legal entities. (The table“Analytical Accounts of Credit Institutions” shows corporatedeposit funds as included in different aggregates (seecolumns 9, 10, 15 in the table) which apart from depositedmoney include amounts in settlements and current accountsof resident legal entities, and precious metals accounts.)
Bank deposits include deposits and other money attractedfrom resident credit institutions and nonresident banks.
Table 4.2.2Average Weighted Deposit Interest Rates on
Corporate and Personal in RublesTable 4.2.3
Average Weighted Deposit Interest Rates onCorporate 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 rates inRussian rubles and US dollar offered by credit institutions.The data are dissected by type of depositor (individuals,corporations, banks in the table 4.2.2, individuals,corporations in the table 4.2.3) and maturity within areporting period.
Data source: monthly financial reporting of operatingcredit institutions (see Bank of Russia Instruction “On FinancialReporting Compilation” No. 17 dated 1.10.97 for the maincompilation guidelines).
123BULLETIN OF BANKING STATISTICS № 1 (116)
гдеV
PVP ,=–
P–
Along with the CBR monthly “Bulletin of Banking Statistics”,data on average weighted rates on personal short-term depositsin the domestic currency are published in the IMF “InternationalFinancial Statistics”.
Individual Indicators Highlights
Interest rates on personal deposits by term, interestrates on corporate deposits by term and interest rates onbank deposits by term are average weighted annualisedinterest rates on personal, corporate and bank depositsattracted by operating credit institutions during the monthunder review for all terms and broken down into deposits withthe following terms: up to 30 days (including demanddeposits), from 31 to 90 days, from 91 to 180 days, from181 days to 1 year and longer than 1 year. Interest rates onpersonal deposits with all terms, except demand deposits,and interest rates on deposits with terms up to 30 days, exceptdemand deposits, are also published.
Average weighted deposit rates for a certain period aredefined as follows:
institutions (for the main compilation guidelines see the CBRInstruction “On Financial Reporting Compilation ” No. 17 dated1.10.97).
Individual Indicators Highlights
Deposit certificate interest rates by maturity; savingscertificate interest rates by maturity; interest rates onbonds, by maturity — average annual interest on funds raisedthrough the certificates and bonds within the reporting periodbroken down by maturity: under 30 days, 31—90 days, 91—180days, 181 days—1 year, 1—3 years, over 3 years. The lack ofinterest rates data over the selected deposit periods indicatesunavailability of a particular type of certificates and bondsissued by reporting institutions.
Average weighted interest on deposit/savings certifi-cates and bonds is defined as follows:
— average deposit rate;
P — nominal annual deposit rate;
V — value of a deposit.
Table 4.2.5Deposit and Savings Certificates and Bonds
General Provisions
The “Deposit and Savings Certificates and Bonds” tablecontains data on Russian and foreign currency funds raised bycredit institutions by issue of securities (deposit and savingscertificates and bonds). Values of the deposit and savingscertificates and bonds are given in nominal value with thematurity breakdown. Absence of data on specific periods ofborrowing means absence of such borrowings over the de-scribed periods.
The data are obtained from the monthly aggregate balancesheet of the Russian operating credit institutions.
Individual Indicators Highlights
Savings (deposit) certificate — a time deposit variety(see comments on indicator “Time deposits” in the “Deposits”table), which is a security proving depositing in a bank, andalso a right of the depositor (certificate holder) to receive inthe bank—issuer or in its branches after a maturity period ofthe deposited funds and due interest payment specified inthe certificate. The certificates are issued in the Russianrubles. Savings certificates can be held only by individuals,deposit certificates only by legal entities. For more detailedinformation on the savings (deposit) certificates, seeProvisions “ On Savings and Deposit Certificates” No. 333—U dated 31.08.98.
Bond — a financial security proving the holder’s right forreceiving, in due time, the nominal value of the bond or any othertangible equivalent. Bonds also provide fixed interest paymentsor any other tangible equivalent.
Table 4.2.6Average Weighted Interest Rates on Deposit and
Savings Certificates and Bonds
General Provisions
The table features average weighted interest rates ondeposit and savings certificates and bonds issued in Russianrubles. Data are categorized by maturity of deposit/savingscertificates and bonds placed on the primary market.Datasource: monthly financial reporting of the operating credit
— average weighted interest rates on depo-sit/savingscertificates 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 Individuals RaisedThrough Bills” table contains credit institutions’ liabilities onissued bills and banker’s acceptances.
The data are obtained from monthly aggregate balancesheet of the operating credit institutions.
Individual Indicators Highlights
Bill — direct financial liability completed in a legallyprescribed form and issued by a promissor to a billholderwhich gives the latter an unconditional authority to makeclaims to the promissor in term of specific amount, time andplace.
Banking bill of exchange — bill which is mainly earmarkedto attract funds to a bank.
Acceptance — an agreement on repayment of a billimposing obligation on the acceptor.
Banker’s acceptance — bill secured by the bank’sunconditional obligation to pay a specific amount after acertain period (accepted by the bank).
Total rubles/foreign currency raised by bills, byredemption periods — Russian ruble/foreign currency (in arouble equivalent) attracted to the credit institutions by issu-ing at par bills and discounting bank acceptances.
Total Russian/foreign currency receipts raised by bills andbanker’s acceptances are broken down by redemption periods.Bills at a particular date sight, and bills at fixed time sight(term bills) are discounted by actual residual period. Demandand fixed—time demand bills are included in the demandposition, and bills presented for payment are discountedsimilarly to term bills (Accounting Rules for Credit InstitutionsBased in the Russian Federation, dated June 18, 1997, No. 61).
Table 4.2.8Average Weighted Interest Rates on Bills
General Provisions
The table contains average weighted interest rates on billsissued by credit institutions.
Interest rates on ruble denominated bills placed on theprimary market over the report period are given by type ofprimary holder (legal entities and individuals) and redemptionperiods.
гдеV
PVP ,=–
P–
124BULLETIN OF BANKING STATISTICS № 1 (116)
Table 4.3.2Average Weighted Interest Rates on Corporate and
Personal Loans in RublesTable 4.3.3
Average Weighted Interest Rates on Corporate andPersonal Loans
in US DollarsTable 4.3.4
Average Weighted Interest Rates on InterbankLoans in Rubles and
in US Dollars
General Provisions
The tables contain average weighed rates on ruble and USdollars loans to corporations, banks and individuals. Data arepresented by type of borrowers (corporations, banks andindividuals in table 4.3.2, corporations and individuals intable 4.3.3) and credit terms.Data source: monthly financialreporting by Russian credit institutions (for the maincompilation guidelines and indicators see CBR Instruction“On Financial Reporting Compilation” No. 17 dated 10.01.97).
Along with the CBR monthly “Bulletin of Banking Statistics”,data on average weighted rates on short term corporate loansin rubles are published in the IMF “International FinancialStatistics”.
Individual Indicators Highlights
Average weighted interest rates on personal loans/Average weighted interest rates on corporate loans/Average weighted interest rates on interbank loans inruble/US dollar, by maturity — annual average weightedrates specified in loan agreements with individuals,corporations and banks. The rates are presented inclassification by the 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 corresponding loanperiods are defined as follows:
Data are drawn from monthly financial reporting of operatingcredit institutions (for the main compilation guidelines andindicators see the CBR Instruction “On Financial ReportingCompilation” No. 17 dated 1.10.97).
Individual Indicators Highlights
Interest rates on ruble denominated bills sold to legalentities, by maturity; interest rates on ruble denominatedbills sold to individuals, by maturity — average annualinterest rates on ruble denominated bills sold to legal entities/individuals with 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 bills are definedas follows:
гдеV
PVP ,=–
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 banking activitiesin placing banking resources to be lent to clients (residents andnonresidents). Loans are broken down by currency (Russian andforeign), borrowers (individuals, corporations, banks) and ma-turity periods (maturity period is a term for repaying a loanspecified in a credit agreement). The ruble and foreign currencyloan is lower than that in the “Selected Indicators by CreditInstitutions Performance Grouped by Assets” table because ofloans extended to all—level budgets, governmentextrabudgetary funds.
Data are provided by the monthly aggregate balancesheet of Russian operating credit institutions.
Individual Indicators Highlights
Total loans in rubles/foreign currency— clients’ debt(including overdue loans and other allocated funds) to creditinstitutions on all loans extended. Lent funds totals, apart fromthe breakdown of specific loans, loans to foreign governmentsand nonresident legal entities.
Total personal loans in rubles/foreign currency —resident and nonresident personal clients’ debt on consumerloans (including overdue), encompass self—employedindividuals.
Total corporate loans in rubles/foreign currency, bymaturity — debt (including overdue) on all loans (includingprecious metal loans) contracted to resident financial (exceptfor credit ones) and nonfinancial institutions of all types ofproperty (for “financial institution” and “nonfinancial institu-tion” concepts see notes to “Analytical Accounts of CreditInstitutions” table, and comments on “claims on nonfinancialpublic enterprises” included in “Analytical Accounts of Mon-etary Authorities” table). Loans given for the term up for 30 daysinclude demand loans and “overdraft” (loan as giving credit formoney stringency on current account).
Total loans to banks in rubles/foreign currency —debt (including overdue) on interbank loans. Without depositsand other placed means in banks.
гдеV
PVP ,=–
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 and groups ofissuers. REPO transactions being a relatively new source ofhigh liquid banking resources are singled out of total investment(for REPO contracts see footnote on “Analytical Accounts ofMonetary Authorities” table). The highlighted shares of stocksingled out of the overall investments into shares of stockrepresent those which are kept in the credit institutions’portfolio over six month and purchased solely for investmentpurposes.
Investments in government securities are included at theirmarket value, and in other securities — by purchase value(book value).
Data source: monthly aggregate balance sheet of Russianoperating credit institutions.
Analysis of data in the table can be complemented byinformation on the structure of investment in securities ofindividual credit institutions — holders releasing their data toInternet under the CBR Provisions “On Data Release by theBank of Russia and Credit Institutions — Financial MarketsAgents” No. 43-P dated 8.07.98.
125BULLETIN OF BANKING STATISTICS № 1 (116)
Individual Indicators Highlights
Securities include bonds (government, municipal,commercial), deposit and savings certificates, and otherdocuments related to securities pursuant to effective law.
Investment in debt instruments — include creditinstitutions’ funds allocated for purchase of governmentsecurities, bonds, deposit and savings certificates of variouslegal entities.
Financial securities in investment portfolio can differ byissuers:
government debt instruments — all Russian governmentbonds (GKO, OFZ, etc.) including bonds denominated inforeign currency;
debt instruments of the Russian Federation memberterritories and local authorities — debt instruments (bondsand other) issued by Russian Federation member territories(including debt instruments in foreign currency) and localauthorities (debt instruments in rubles);
resident credit institutions’ debt instruments — bonds,deposit certificates and other securities issued by residentcredit institutions;
nonresident issuers’ debt instruments — bonds is-sued by foreign governments, nonresident banks, and non-residents issuer’s other securities;
other debt instruments — bonds, savings and depositcertificates issued by other legal entities (different from theabove).
Debt obligations under reverse repurchase agree6ments — listed and unlisted debt instruments acquired underagreements providing for their reverse repurchase within180 calendar days (regardless of the issuer).
Debt obligations under loan agreements — listed andunlisted debt instruments acquired under loan agreements(regardless of the term of the agreement and issuer).
Overdue debt obligations — debt obligations that havenot been repaid in due time.
Investment in shares is defined by:— resident credit institutions’ shares;— nonresidents’ shares, including shares issued by
nonresident banks;— other shares (different from the above).
Indicator Investments in Shares has been supplementedby indicators Under Reverse Repurchase Agreements andUnder Loan Agreements (see note to indicators “DebtObligations under Reverse Repurchase Agreements” and“Debt Obligations under Loan Agreements”).
Investments in shares of corresponding issuersacquired for investment purposes — listed and unlistedshares acquired with the purpose of obtaining investmentincome and in anticipation of growth in their value in the longterm or after an indefinite period of time.
Participation in subsidiary and affiliated joint6stockcompanies signifies investment in shares acquired in thenumber allowing the investor to gain control over themanagement of the issuing organisation or exert significantinfluence on it.
Other participation signifies the funds paid by banksinto the authorised capital of resident and non-resident legalentities and also funds transferred to non-resident bankswhen opening branches abroad.
Table 4.3.6Discounted Bills
General Provisions
The table includes data on the value of discounted billsin credit institutions (including overdue bills).
Data are obtained from monthly aggregate balance sheetof Russian operating credit institutions.
Individual Indicators Highlights
Total discounted bills denominated in rubles — valueof bills denominated in rubles/foreign currency and acquired
prior to their maturity (including overdue bills).Total of discounted ruble/foreign currency bills are broken
down by promissors:— bills issued and guaranteed (“avaled”) by federal
government;— bills issued and guaranteed by RF member territories 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 on discountedbills and loans secured by credit bills.
Average weighted rates on discounted bills and loansagainst credit bills (ruble and foreign currency) are shown bymaturity.
Data source: monthly financial reporting of operatingcredit institutions (for compilation guidelines see the CBRInstruction “On Financial Reporting Compilation ” No. 17 dated1.10.97).
Individual Indicators Highlights
Interest rates on ruble/US dollar credit bills — interestrates on credit bills—secured loans.
Interest rates on discounted bills denominated inrubles and US dollars, by maturity — interest rates onacquired (discounted) bills.
Average weighted rates on discounted bills or creditbills—secured loans are defined as follows:
— average weighted interest rate on bills or credit bills—secured loans;P — discount rate defined by the formula for annual yieldagainst maturity, or nominal interest credit rate;V — book value (purchase price) of a discounted bill or valueof credit bills—secured loan.
Table 4.4Credit Institutions’ Claims and Liabilities on
Financial Derivatives
General Provisions
The table presents credit institutions’ liabilities and claimson financial derivatives. Financial forward settlement contracts,options, forward parts of the deals on reverse repurchase ofsecurities, which fall due not earlier than on the third day aftercompleting the contract. Futures transactions are accountedoff—balance from the contract date till the value date. Futuresclaims on and liabilities to financial instruments with marketor official prices (rates) are recorded at these prices anddiscounted in due order.
Credit institutions’ liabilities and claims on financialderivatives are broken down by major financial instruments(rubles and foreign currency, precious metals, securities) andby term of settlement: 2—30 days, 31—90 days, over 90 days.Total of claims and liabilities across all financial instrumentspresented in the table also include amounts due for repayment“on the following day”.
Data are obtained from monthly aggregate balance sheet(Subsection D “Transactions in Derivatives”) of Russianoperating credit institutions.
гдеV
PVP ,=–
P–
126BULLETIN OF BANKING STATISTICS № 1 (116)
Section 5. Selected Indicators Characterisingthe State of Russia’s Payment System
Table 5.1Payments Effected by the Russian Payment
System
General Provisions
The Table presents data on the number and value of non-cash payments effected by the Russian payment system,including payments effected by the Bank of Russia paymentsystem and private payment systems formed by creditinstitutions.
The source of these data is quarterly payment reports ofcredit institutions and Bank of Russia regional branches.
Individual Indicators Highlights
Payments effected by the Bank of Russia paymentsystem include payments effected by credit institutions andtheir branches and their clients, payments effected by Bankof Russia clients other than credit institutions and Bank ofRussia payments per se, made to payees through Bank ofRussia institutions.
Payments effected by private payment systems includepayments effected by clients of credit institutions and theirbranches and payments effected by credit institutions andtheir branches, routed by settlement non-bank creditinstitutions through their payment systems and by creditinstitutions and their branches through correspondentaccounts, opened in other credit institutions and their branches,and through interaffiliate settlement accounts, opened insubdivisions of a credit institution, and also payments withina subdivision of a credit institution (parent credit institutionor its branch).
Table 5.2Payments Effected by Bank of Russia Payment
System and Private Payment Systems by Methodof Payment
General Provisions
The Table presents data on the number and value of non-cash payments effected by the Bank of Russian paymentsystem and private payment systems electronically and onpaper.
Individual Indicators Highlights
Electronic payments are payments effected in the Bankof Russia payment system and private payment systemswithout using paper settlement documents, while funds arecredited to payees’ accounts on the basis of electronic paymentdocuments. Other payments are considered paymentseffected on paper.
Table 5.3Data on Customers Members of Bank of Russia
Payment System Exchanging ElectronicDocuments with Bank of Russia
General Provisions
The Table presents data on the number and makeup ofBank of Russia clients using the electronic exchange ofsettlement documents in effecting non-cash settlementsthrough the Bank of Russia payment system. These data are
grouped for credit institutions and their branches, the FederalTreasury bodies and other Bank of Russia clients.
The sources of information are the Bank IdentificationCode (BIC) Directory of the Russian Federation and otherstatistical data collected by the Bank of Russia.
Individual Indicators Highlights
The total number of operating credit institutions andtheir branches participating in the Bank of Russia paymentsystem are the operating credit institutions and their branchesaccording to the BIC Directory.
The total number of the Federal Treasury bodies arethe divisions and departments of the Russian Finance Ministry’sFederal Treasury that are clients of the Bank of Russia.
The total number of other Bank of Russia clients arethe Bank of Russia clients other than credit institutions or theirbranches and Federal Treasury bodies.
Of which participate in exchange signifies operatingcredit institutions and their branches, Federal Treasury bodiesand other Bank of Russia clients that have concluded anagreement with the Bank of Russia on the exchange ofelectronic documents in effecting settlements through theBank of Russia payment system.
Table 5.4No. of Participants (Users) in Bank of Russia
Intraregional and Interregional ElectronicSettlements
General Provisions
The Table presents data on the number of participants inand users of Bank of Russia intraregional and interregionalelectronic settlements.
Bank of Russia interregional electronic settlements signifythe entirety of relations between Bank of Russia institutions,credit institutions and their branches and other Bank of Russiaclients other than credit institutions, located in various Russianregions, pertaining to the effectuation of payments usingelectronic payment and internal information documents.Intraregional electronic settlements are the entirety of theaforementioned relations within a single region.
The source of information is the BIC Directory.
Individual Indicators Highlights
Bank of Russia institutions are the main cash settlementcentres, cash settlement centres and operations divisions anddepartments of the Bank of Russia included in the BICDirectory.
Participants in intraregional and interregionalelectronic settlements are the Bank of Russia institutionsthat have the corresponding software and hardware and meetthe requirements of the Bank of Russia instructions regulatingthe procedure for implementing intraregional and interregionalelectronic settlements.
Credit institutions (branches of credit institutions) areoperating credit institutions (branches of credit institutions)according to the BIC Directory.
Users of intraregional and interregional electronicsettlements are credit institutions (branches of creditinstitutions) that have correspondent accounts (subaccounts)in Bank of Russia institutions participating in intraregional andinterregional electronic settlements.
127BULLETIN OF BANKING STATISTICS № 1 (116)
Table 5.5Value of Backlogs of Settlement Documents
Unpaid Owing to Lack of Funds in CorrespondentAccounts (Subaccounts) of Operating
Credit Institutions (Branches)
General Provisions
The Table contains data on the value of the backlogs ofpayment documents that have not been paid on time byoperating credit institutions or their branches due to the lackof funds in their correspondent accounts and subaccounts andon the number of operating credit institutions whose brancheshave such backlogs.
The sources of information for this Table are 10-dayreports on the backlogs of settlement documents unpaid bycredit institutions or their branches due to the lack of funds intheir correspondent accounts (subaccounts), monthlyconsolidated balance sheet of Russian credit institutions andthe BIC Directory.
Individual Indicators Highlights
Operating credit institutions participating in the Bankof Russia payment system signify the number of operatingcredit institutions according to the BIC Directory.
Operating credit institutions whose branches havebacklogs of unpaid documents denote the number ofoperating credit institutions whose main divisions or brancheshave backlogs of settlement documents that have not beenpaid on time due to the lack of funds in their correspondentaccounts (subaccounts).
The total value of backlogs of settlement documentssignifies the total value of settlement documents of operatingcredit institutions or their branches that have not been paid ontime due to the lack of funds in their correspondent accounts(subaccounts) and are kept on file in the Bank of Russia andin credit institutions or their branches.
Unpaid settlement documents kept on file in the Bankof Russia are the settlement documents unpaid due to thelack of funds in the correspondent accounts (subaccounts) ofoperating credit institutions or their branches and kept on fileby the Bank of Russia as settlement documents that have notbeen paid on time. Funds are written down from them on thebasis of execution documents ordering the transfer or paymentof money from accounts to meet claims for compensation ofdamage to life and health and claims for alimony; the paymentof severance wage and wage to persons working under labouragreements, including contracts; the payment of royalties
under authorship agreements; settlement documents on thetransfer or payment of wages and salaries to persons workingunder labour agreements (contracts) and deductions to thePension Fund of the Russian Federation, Social Insurance Fundof the Russian Federation, the State Employment Fund of theRussian Federation and compulsory medical insurance funds,payments to the budget and extra-budgetary funds, andsettlement documents on execution documents providing forthe satisfaction of other pecuniary claims.
Unpaid settlement documents kept on file in creditinstitutions (branches) are the settlement documents unpaiddue to the lack of funds in the correspondent accounts(subaccounts) of operating credit institutions or their brancheson other payments that may not be kept on file in the Bank ofRussia and are kept on file in the credit institutions or theirbranches.
Unpaid settlement documents included by creditinstitutions and their branches in the loro correspondentaccount are the settlement documents unpaid due to the lackof funds in the correspondent accounts of operating creditinstitutions or their branches opened in other credit institutionsor their branches for indisputable (nonacceptance) writingdown of funds from these accounts and included in thebacklogs of unpaid documents attached to these accounts.
Table 5.6Selected Indicators Characterising Transactions
Implemented Using Bank Cards
General Provisions
This Table shows the dynamics of cash withdrawals andpayments for goods (works or services) using bank cardsinside and outside Russia by private individuals and legalentities.
Data for this Table are derived from the quarterly statisticalreports submitted by credit institutions to the Bank of Russia.
Individual Indicators Highlights
Bank card is a payment card issued by a credit institution.The number of bank cards in use denotes the actual
number of bank cards issued by credit institutions to theircustomers.
Data on the number of bank cards are given as of the firstday of the month following the accounting quarter.
Data on the value of operations conducted with the use ofbank cards are given for the accounting quarter.
