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THE CENTRAL BANK OF THE RUSSIAN FEDERATION
BULLETINOF BANKING STATISTICS
MOSCOW 2002
№ 3 (106)
Registered by the Press Committee of the Russian FederationRegistration Number 012267
Published since June 1993
© Copyright: Central Bank of the Russian Federation
Publisher and distributor: Business news agency Prime-TASSAddress subscription requests to: 103009, Moscow, Tverskoy blvrd., 2.
Telephone: 974-7664, Telefax: 292-3690.Printed by Novosti Press
1BULLETIN OF BANKING STATISTICS № 3 (106)
In accordance with IMF Special Data Dissemination Standard (SDDS) we herein inform our readers aboutapproximate dates of publication of some banking statistics indicators in April—July 2002:
niatadesaeleR yluJ—lirpA 2002ninwohssietalerdesaelerebotatadhcihwot)etadro(doirepehT(
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lirpA yaM enuJ yluJ
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*2002.40.1)2002.20(
*2002.40.03)2002.30(
*2002.50.13)2002.40(
*2002.70.1)2002.50(
*2002.70.13)2002.60(
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*2002.40.71)2002.30(
*2002.50.71)2002.40(
*2002.60.71)2002.50(
*2002.70.71)2002.60(
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2002.60.82)2002.1Q(
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2002.70.21)2002.50(
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retrauqgnitroper
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2BULLETIN OF BANKING STATISTICS № 3 (106)
CONTENTS
1. MAJOR MACROECONOMIC AND MONETARY INDICATORS
1.1. Macroeconomic Indicators ................................................................ 5
1.2. Individual Indicators Featuring the Fiscal Sphere ..................................... 6
1.3. Sources of Funding the Federal Budget ................................................. 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. The Russian Federation Banking Sector’s InternationalInvestment Position* ...................................................................... 16
1.7. The Russian Federation Merchandise Trade(Based on the Balance of Payments Methodology)* ................................. 18
1.8. Gross International Reserves* ...........................................................20
1.9. Analytical Accounts of Monetary Authorities* ........................................22
1.10. Analytical Accounts of Credit Institutions .............................................23
1.11. Monetary Survey* ...........................................................................26
1.12. Money Supply (National Definition) .....................................................27
2. MAJOR INDICATORS AND INSTRUMENTSOF THE BANK OF RUSSIA MONETARY POLICY
2.1. Bank of Russia Balance Sheet ............................................................29
2.2. Refinancing Rate* ..........................................................................30
2.3. Credit Institutions’ Fixed Percentage Ratios in Bank of RussiaRequired Reserves .........................................................................30
2.4. Average Weighted Interest Rates on Bank of Russia Deposit Operationsin Money Market Using Reuters-Dealing System*....................................32
2.5. The Structure of Funds Borrowed in Bank of Russia Deposit Operationsin Money Market Using Reuters-Dealing System*....................................33
2.6. Official US Dollar to Ruble Rate ..........................................................35
2.7. Official Euro to Ruble Rate ................................................................38
2.8. Bank of Russia Precious Metals Quotes ................................................40
3. FINANCIAL MARKETS
3.1. Interbank Credit Market
3.1.1. Monthly Average Moscow Interbank Bid Rates (MIBID),Monthly Average Moscow Interbank Offered Rates (MIBOR) andMonthly Weighted Average Moscow Interbank Actual Credit Rates (MIACR) ........ 41
3.1.2. Daily Average Moscow Interbank Bid Rates (MIBID)Daily Average Moscow Interbank Offered Rates (MIBOR) andDaily Weighted Average Moscow Interbank Actual Credit Rates (MIACR)* ........... 42
3.2. Exchange Market
3.2.1. US Dollar Trade at Interbank Currency Exchange .............................................. 43
3.2.2. Euro Trade at Interbank Currency Exchange ..................................................... 45
3.2.3. Foreign Cash Flow Through Authorized Banks Across Russia ............................ 46
3.2.4. Selected Indicators Featuring Foreign Cash Transactionsby Authorized Banks’ Exchange Offices ........................................................... 48
3.2.5. Average Foreign Cash Purchase and Sale Transactions with Individualsby Authorized Banks and Their Branches ......................................................... 51
3BULLETIN OF BANKING STATISTICS № 3 (106)
3.3. Major Features of Transactions in Government Securities
3.3.1. Main Highlights of Auctions for GKO—OFZ Placement ...................................... 53
3.3.2. Data on Redemptions and Coupon Payments on Government Securities ............. 53
3.3.3. Term Structure of Bonded Debt (with Respect to GKO and OFZ) ........................ 54
3.3.4. Major Parameters of the GKOs—OFZs Secondary Market ................................. 55
3.3.5. Average Weighted Interest Rates on Government Securities Market ................... 58
3.4. Some Corporate Securities Market Indices* .......................................... 59
3.5. International Financial Markets
3.5.1. Treasury Bills Yield ........................................................................................ 60
3.5.2. Money Market Rates ..................................................................................... 61
3.5.3. Deposit Rates ............................................................................................... 62
3.5.4. Lending Rates .............................................................................................. 63
4. CREDIT INSTITUTIONS PERFORMANCE
4.1. General Description
4.1.1. Number and Structure of Credit Institutions ..................................................... 64
4.1.2. Credit Institutions Grouped by Registered Authorized Capital ............................ 67
4.1.3. Selected Indicators of Credit Institutions Performance Grouped by Assets .......... 69
4.2. Borrowings
4.2.1. Deposits ...................................................................................................... 71
4.2.2. Average Weighted Deposit Interest Rates on Corporate and Personalin Rubles ...................................................................................................... 74
4.2.3. Average Weighted Deposit Interest Rates on Corporate and Personalin US Dollars ................................................................................................ 75
4.2.4. Average Weighted Deposit Interest Rates on Interbank in Rubles ........................ 76
4.2.5. Deposit and Savings Certificates and Bonds .................................................... 77
4.2.6. Average Weighted Interest Rates on Deposit and
Savings Certificates and Bonds ...................................................................... 78
4.2.7. Funds Owned by Legal Entities and Individuals and Raised Through Bills ............. 79
4.2.8. Average Weighted Interest Rates on Bills ......................................................... 80
4.3. Lending
4.3.1. Corporate, Interbank and Personal Loans ........................................................ 81
4.3.2. Average Weighted Interest Rates on Corporate
and Personal Loans in Rubles ......................................................................... 83
4.3.3. Average Weighted Interest Rates on Corporate
and Personal Loans in US Dollars ................................................................... 84
4.3.4. Average Weighted Interest Rates on Interbank Loans in Rublesand in US Dollars .......................................................................................... 85
4.3.5. Structure of Credit Institutions’ Investment in Securities .................................... 86
4.3.6. Discounted Bills ............................................................................................ 88
4.3.7. Average Weighted Interest Rates on Discounted Bills ........................................ 89
4.4. Credit Institutions’ Claims and Liabilities on Financial Derivatives ............. 91
5. SUMMARY METHODOLOGY ........................................................ 94
4BULLETIN OF BANKING STATISTICS № 3 (106)
List of Charts
1. Gross International Reserves of the Russian Federation ...................................... 21
2. International Reserves Adequacy Ratio(International Reserves in Month of Import) ...................................................... 21
3. Structure of Aggregate Assets of Credit Institutions as of 31.01.2002 .................. 25
4. Structure of Aggregate Liabilities of Credit Institutions as of 31.01.2002 ............... 25
5. Money Supply Dynamics ............................................................................... 28
6. Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits ............ 31
7. Interest Rates Dynamics in 1997—2002 .......................................................... 34
8. Interest Rates Dynamics of Money Market in January, 2001 — February, 2002 ........ 34
9. Official US Dollar to Ruble Exchange Rate Dynamicsin August, 1998 — February, 2002 ................................................................. 37
10. Dynamics of Foreign Cash Purchase and Sale Transactions with Individualsby Authorized Banks and Their Branches .......................................................... 50
11. Foreign Cash Sources in January, 2002 ........................................................... 52
12. Structure of Foreign Cash Expenditures in January, 2002 .................................... 52
13. Corporate Securities Market Indices ............................................................... 60
14. Structure of Registered Credit Institutions ....................................................... 68
15. Credit Institutions Grouped by Registered Authorized Capital ............................... 68
16. Comparative Data on Major Sources of Borrowing by Credit Institutionsas of 31.01.2002 (Based on Credit Institutions Grouped by Assets) ..................... 70
17. Comparative Data on Major Allocations of Funds by Credit Institutionsas of 31.01.2002 (Based on Credit Institutions Grouped by Assets) ..................... 70
18. Structure of Personal Deposits as of 31.01.2001/31.01.2002 ............................ 73
19. Structure of Loans Extended by Credit Institutions in Ruble and Foreign Currency .... 82
20. Dynamics of Debt on Credits Extended ............................................................ 82
The procedure for publication of some table indicators marked with (*) is in compliance with the IMFSpecial Data Dissemination Standard (SDDS IMF).
Symbols and notes:— nil... not available0,0 non-significant volume
In some cases minor discrepancies between totals and sums of items are due to rounding.Figures in italics are revisions to previously published data.
The Bulletin of Banking Statistics on the Internet can be found on the Central Bank of RussiaInternet website http://www.cbr.ru.
5BULLETIN OF BANKING STATISTICS № 3 (106)
1. MAJOR MACROECONOMIC AND MONETARY INDICATORS
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yraunaJ 6.632 4.171 5.81 6.131 0.501 2.161 4.111 1.21 3.87 9.28 7.49 0.06 4.6 6.27 1.22
7BULLETIN OF BANKING STATISTICS № 3 (106)
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5991 174,03 344,25 319,28 187,3 213,4 574,2 765,01 184,39 661 211,4 030,3 498 356,89
6991 490,83 964,25 365,09 036,3 201,7 945,2 182,31 448,301 201 232,4 699,2 377 059,801
7991 474,73 435,15 800,98 946,3 461,7 862,3 080,41 880,301 722 041,4 277,2 014 468,701
8991 839,72 749,64 488,47 071,3 805,6 496,2 273,21 752,78 103 000,4 575,2 803 568,19
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0002 538,25 037,25 565,501 555,3 938,3 085,2 579,9 045,511 005 352,4 182,2 708 001,121
1002 963,25 428,05 291,301 556,4 057,3 394,2 898,01 090,411 426 671,6 716,2 498 487,121
0002,1Q 510,31 943,11 463,42 157 756 584 298,1 652,62 301 704,2 949,1 022 589,82
0002,2Q 523,21 586,21 900,52 349 569 335 144,2 054,72 611 206 511 152 914,82
0002,3Q 663,31 263,31 827,62 749 093,1 286 810,3 647,92 921 485 821 351 316,03
0002,4Q 921,41 533,51 464,92 519 828 188 426,2 880,23 251 956 09 381 380,33
1002,1Q 868,31 456,11 225,52 849 816 645 211,2 436,72 161 417,2 788,1 512 327,03
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10BULLETIN OF BANKING STATISTICS № 3 (106)
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5991 221,3 028— 0 028— 003,8 482,7 610,1 042,1 027,8 0 678,2 170,2 93 931,1 090,8— 245 992,4— 892,7
6991 660,3 072,2 216,1 856 416,8 750,6 755,2 — 42 068,01 0 002,4 435,2 681,2 093,3 957— 13 383,7 344,22
7991 731,2 944,44 288,01 765,33 216,12— 548,2 754,42— — 129 619,12 0 109,8 877,4 972,1 636,6 46— 0 926,21 544,34
8991 407,1 372,8 263— 536,8 070,4 149,1 921,2 364,2 608,41 397,3 262,6— 005,2 138 799,4 223 0 056,8 789,02
9991 588 868— 763 532,1— 593 3 293 843,1 578 719— 978— 518,2 522— 844— 192 0 334,2 215,1
0002 228,11 167,01— 744,1— 413,9— 268,1— 172,2— 904 890,2— 41— , 127 0 294,1 574,2 803 539— 0 0 848,1 11— , 183
1002 741,2 —2, 863 — 397 — 575,1 — 010,6 — 143,6 133 — 297,1 — 01 , 071 — 267,2 085,4 564,2 135 967 0 — 974 682,3 5— , 760
0002,1Q 112 101 821— 922 131 851— 982 9 042 0 85 694 964 277— 0 0 391 294
0002,2Q 281 143,1— 182— 060,1— 420,1— 921,1— 501 400,1 163,1— 0 831— 514 171— 351— 0 0 19 804,1—
0002,3Q 422,11 747,8— 765— 081,8— 8 8— 61 901,3— 11— , 748 0 955 016 98 132— 0 0 964 01— , 028
0002,4Q 502 477— 174— 303— 779— 579— 1— 3— 357,1— 0 310,1 459 97— 022 0 0 590,1 553
1002,1Q 39 411 691— 013 764,1— 988,1— 224 2 — 153,1 0 836 584 051— 762— 0 211 081 — 335
1002,2Q 68 — 103 902— — 29 — 307 — 007 3— 1 — 300,1 0 937,1 507 912 032— 0 22— 276 704,1
1002,3Q 811 — 364,1 542— — 8121 192,1— 345,1— 252 34— — 797,2 896— 722,1 838 102 423 0 783— 679 — 392,1
1002,4Q 058,1 817— 341— 575— 845,2— 802,2— 043— 257,1— 910,5— 460,2— 679 734 162 249 0 281— 954,1 846,4—
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4991 274,3— 121,2— 126,01 247,21— 699— 811,3— 199,2— 292— 325,5— 985,3— 580,4— — 92— 715,31— 626,91—
5991 964,3— 845,1— 100,9 945,01— 664 280,1— 079,3 469,1— 602 153,8 932,5— — 292— 260,1 159,3
6991 925,3— 803— 931,9 644,9— 13 772— 898,2— 071— 668,8— 451,9— 911,01— — 071— 874,82— 356,13—
7991 439,2— 243,1— 225,7 568,8— 585 857— 752,1— 661,3— 483,31— 107,6— 195,11— 811— 919— 088,53— 294,13—
8991 680,2— 854,1— 976,5 731,7— 803 941,1— 772 303,1— 667 388,6— 959,7— 778— 753— 216,61— 584,71—
9991 312,1— 631,1— 675,4 217,5— 112— 743,1— 804,3— 171,2— 130,1 052,5— 150,5— 553— 055— 643,21— 101,71—
0002 768— 237,1— 608,5 735,7— 511 716,1— 035,3— 093,3— 733— 081,4— 392,5— 056— 916,1— 864,51— 416,02—
1002 305,11— 274,9 432 832,9 955 030,01 736,1— 637,2— 392 606,1— 883,6— 563— 699— 008,11— 604,3—
0002,1Q 981— 468,1— 158,1 517,3— 491 076,1— 155,1— 196— 211— 637— 895,1— 996— 181— 610,4— 732,7—
0002,2Q 122— 672 449 866— 72— 942 906— 074— 364 481— 662,1— 313— 783— 751,2— 715,2—
0002,3Q 942— 47— 859 330,1— 8— 28— 910,1— 072,1— 413 748— 315,1— 666 771— 828,2— 929,3—
0002,4Q 902— 96— 250,2 121,2— 44— 311— 153— 959— 100,1— 314,2— 519— 503— 478— 864,6— 239,6—
1002,1Q 891— 718,1— 298 907,2— 94— 668,1— 507,3— 248— 146— 004,1 326,1— 091 613 102,1— 277,6—
1002,2Q 932— 27— 068 239— 191 021 029,1— 307— 755 688— 238— 871 043— 620,2— 628,3—
1002,3Q 051,01— 456,9 623,1— 089,01 982 349,9 015,1 219— 919 85— 913,2— 061— 242— 277,2— 086,8
1002,4Q 619— 607,1 391— 998,1 721 438,1 974,2 972— 245— 260,2— 416,1— 375— 137— 108,5— 884,1—
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5991 743— 836,7 0 748,6 632,3— 942,11 209,01 379,7— 683,01—
6991 364— 385,01 0 203,1 690,12— 012,9— 476,9— 298,4— 148,2
7991 797— 951,12 0 446,7 152,32— 155,5 557,4 158,4— 639,1—
8991 283— 656,31 397,3 689,5— 269,7— 205,3 021,3 480,9— 503,5
9991 823— 274— 719— 782,4— 319,9— 985,51— 719,51— 630,7— 877,1—
0002 559,01 833,61— 0 830,2— 026,31— 599,13— 040,12— 553,9— 010,61—
1002 653,9— 041— 267,2— 349,2 415,8— 474,8— 928,71— 050,9— 212,8—
0002,1Q 22 034,1— 0 394,1— 228,3— 547,6— 327,6— 511,2— 201,3—
0002,2Q 93— 211,1— 0 747— 660,2— 529,3— 469,3— 508— 912,6—
0002,3Q 679,01 929,11— 0 164— 953,2— 947,41— 377,3— 638,2— 979,3—
0002,4Q 4— 668,1— 0 366 373,5— 675,6— 085,6— 995,3— 017,2—
1002,1Q 501— 712,3— 0 760,3— 120,1— 503,7— 014,7— 902,2— 038,1—
1002,2Q 351— 388— 0 181— 453,1— 914,2— 275,2— 025,1— 043,5—
1002,3Q 130,01— 541,7 — 896 637,2 797,1— 683,7 546,2— 507,2— 054,2—
1002,4Q 439 581,3— 460,2— 554,3 243,4— 631,6— 302,5— 716,2— 704,1
15BULLETIN OF BANKING STATISTICS № 3 (106)
5.1elbaT
noitaredeFnaissuRehtfotbeDlanretxE)ygolodohteMlanoitanretnIotgnidroccA(
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1002.10.1 1002.40.1 1002.70.1 1002.01.1 2002.10.1
latoT 4.161 1.751 8.651 4.651 9.051
tnemnrevoGlareneG 5.721 1.321 9.021 2.911 8.311
tnemnrevoGlaredeF 3.621 1.221 3.021 8.811 8.211
tbeDnaissuRweN 0.06 2.85 0.75 8.35 0.15
srotiderclaretalitluM 8.51 2.51 8.41 9.41 4.41
FMI 8.8 2.8 9.7 9.7 4.7
DRBI 8.6 8.6 7.6 8.6 7.6
rehtO 2.0 2.0 2.0 2.0 2.0
srotidercrehtO 6.8 7.7 2.7 9.6 4.6
sdnobycnerruC 7.03 8.03 8.03 0.82 0.72
detalersdnobycnerrucgnidulcni(sdnoboruE)gnirutcurtsertbedbulCnodnoLdnaOKGot
9.92 0.03 0.03 1.72 0.62
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daorbastnemtsevnitceriD 863,1 07— 3 3— 07— 892,1
sgninraedetsevnierdnalatipacytiuqE 626 7— 72— 1— 53— 195
latipacrehtO 247 36— 13 2— 53— 707
stnemtsevnioiloftroP 386 012— 11— 0 122— 264
seitirucesytiuqE 51 2— 2— 0 —3 11
seitirucestbeD 966 902— 9— 0 812— 154
gnol - mret 453 461— 7— 0 271— 281
mret-trohs 513 54— 2— 0 64— 962
stnemtsevnirehtO 887,61 047,1 481— 311— 344,1 132,81
stisopeddnaycnerrucngieroF 478,31 307 231— 84— 325 893,41
ycnerrucngieroF 536 803 11— 8— 982 429
stisopedmretdnadnameD 932,31 593 121— 04— 432 474,31
gnol - mret 883 03— 0 1 92— 853
mret-trohs 258,21 624 121— 14— 462 511,31
snaoL 635,2 376 95— 22— 395 921,3
gnol - mret 313,1 172 7— 0 462 775,1
mret-trohs 322,1 204 25— 12— 923 255,1
sraerrA 46 811 1— 91— 99 361
stessarehtO 413 542 8 52— 822 245
gnol - mret 36 31— 1— 0 41— 94
mret-trohs 152 952 9 52— 242 394
stessaevreseR 279,72 212,8 66 273 056,8 226,63
dlogyratenoM 807,3 0 0 273 273 080,4
sthgirgniwardlaicepS 1 4 2— 0 2 3
dnuFehtninoitisopevreseR 1 0 0 0 0 1
egnahcxengieroF 362,42 802,8 76 0 672,8 835,23
stessaevreserottnemtsujdA 332 771 71— 0 061 393
17BULLETIN OF BANKING STATISTICS № 3 (106)
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5991 319,28 2.221 049,56 5.621 379,61 0.801 306,26 1.421 852,44 4.121 543,81 1.131 013,02 286,12 273,1—
6991 365,09 2.901 799,17 2.901 665,81 4.901 290,86 8.801 372,74 8.601 918,02 5.311 174,22 427,42 352,2—
7991 800,98 3.89 239,96 1.79 670,91 7.201 389,17 7.501 593,35 0.311 885,81 3.98 520,71 735,61 884
8991 488,47 1.48 090,95 5.48 497,51 8.28 510,85 6.08 417,34 9.18 103,41 9.67 968,61 673,51 394,1
9991 666,57 0.101 076,36 8.701 599,11 9.57 735,93 1.86 851,92 7.66 973,01 6.27 921,63 315,43 616,1
0002 565,501 5.931 133,19 4.341 432,41 7.811 268,44 5.311 434,13 8.701 824,31 4.921 307,06 798,95 708
1002 291,301 8.79 011,88 5.69 280,51 0.601 467,35 8.911 327,04 6.921 140,31 1.79 924,94 783,74 140,2
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2Q 900,52 3.741 637,12 4.941 372,3 7.431 973,01 7.201 483,7 5.201 599,2 1.301 036,41 353,41 872
3Q 827,62 0.141 505,32 8.541 322,3 6.311 721,11 3.711 575,7 0.801 255,3 7.341 106,51 039,51 — 923
4Q 464,92 9.121 084,52 3.521 489,3 8.301 573,31 5.321 434,9 1.021 249,3 5.231 980,61 740,61 24
yraunaJ 759,6 2.151 097,5 5.061 761,1 4.711 988,2 4.701 568,1 3.88 520,1 7.671 760,4 529,3 241
yraurbeF 701,8 2.161 409,6 2.861 302,1 1.031 924,3 2.611 216,2 9.111 718 6.231 876,4 292,4 683
hcraM 003,9 9.651 519,7 6.951 583,1 8.241 266,3 6.501 665,2 2.79 690,1 0.231 836,5 943,5 982
lirpA 011,8 4.421 510,7 6.221 590,1 6.731 683,3 3.301 804,2 4.49 879 3.431 427,4 706,4 711
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rebmevoN 691,01 9.431 068,8 4.041 633,1 8.601 253,4 7.521 520,3 2.021 723,1 1.041 448,5 538,5 9
rebmeceD 622,01 7.501 097,8 6.701 634,1 9.49 198,4 5.221 145,3 2.221 053,1 4.321 533,5 942,5 68
19BULLETIN OF BANKING STATISTICS № 3 (106)
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20BULLETIN OF BANKING STATISTICS № 3 (106)
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40.03 190,71 014,31 804,31 0 1 286,3
50.13 075,91 878,51 678,51 1 1 296,3
60.03 699,02 586,71 286,71 2 1 213,3
70.13 203,32 559,91 459,91 0 1 743,3
80.13 137,32 982,02 782,02 1 1 244,3
90.03 799,42 474,12 274,12 1 1 325,3
01.13 088,52 092,22 882,22 1 1 095,3
11.03 766,72 530,42 330,42 1 1 236,3
21.13 279,72 462,42 362,42 1 1 807,3
1002
10.13 836,92 888,52 788,52 1 1 947,3
20.82 543,82 195,42 685,42 3 1 457,3
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
2002
10.13 804,63 713,23 213,23 3 1 190,4
20.82 068,63 867,23 367,23 4 1 290,4
21BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 1
Chart 2
Gross International Reserves of the Russian Federation
0
5
10
15
20
25
30
35
403
1.1
2.1
99
33
1.0
3.1
99
43
0.0
6.1
99
43
0.0
9.1
99
43
1.1
2.1
99
43
1.0
3.1
99
53
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6.1
99
53
0.0
9.1
99
53
1.1
2.1
99
53
1.0
3.1
99
63
0.0
6.1
99
63
0.0
9.1
99
63
1.1
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99
63
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3.1
99
73
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6.1
99
73
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99
73
1.1
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73
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3.1
99
83
0.0
6.1
99
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99
83
1.1
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99
83
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99
93
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6.1
99
93
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93
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93
1.0
3.2
00
03
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00
03
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00
03
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2.2
00
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00
13
1.1
2.2
00
1
Bill
ion
s o
f U
S D
olla
rs
28
.02
.20
02
International Reserves Adequacy Ratio (international reserves in months of import)
1,61,9
1,2
2,8
2,1
2,6
3,4
2,9
2,0
2,6
3,6
4,34,60
4,70
5,90
5,6
5,80
5,30
2,72,8
2,32,22,1
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
Q2
19
94
Q3
19
94
Q4
19
94
Q1
19
95
Q2
19
95
Q3
19
95
Q4
19
95
Q1
19
96
Q2
19
96
Q3
19
96
Q4
19
96
Q1
19
97
Q2
19
97
Q3
19
97
Q4
19
97
Q1
19
98
Q2
19
98
Q3
19
98
Q4
19
98
Q1
19
99
Q2
19
99
Q3
19
99
Q4
19
99
Q1
20
00
Q2
20
00
Q3
20
00
Q4
20
00
Q1
20
01
Q2
20
01
Q3
20
01
Q4
20
01
mo
nth
s o
f im
po
rt
Actual international reserves adequacy ratio Internationally recognized adequacy ratio
22BULLETIN OF BANKING STATISTICS № 3 (106)
9.1
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1
1.
ata
dyr
ani
miler
P
23BULLETIN OF BANKING STATISTICS № 3 (106)
01.
1el
ba
T
sn
oitutit
snI
tid
erC
fo
stn
uo
cc
Al
acit
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pret
ne
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as
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dlo
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6,2
2
24BULLETIN OF BANKING STATISTICS № 3 (106)
Ed
n
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bur
noilli
m(
dn
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stiso
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d
dn
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6.0
1.
ata
dyr
ani
miler
P
25BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 3
Chart 4
Structure of Aggregate Assets of Credit Institutions as of 31.01.2001
8.87%
16.88%
17.42%
2.34%
40.86%
0.66%12.97%
ReservesForeign assetsClaims on general governmentClaims on non-financial public enterprisesClaims on non-financial private enterprises and householdsClaims on other financial institutionsOther assets
Structure of Aggregate Liabilities of Credit Institutions as of 31.01.2001
15.24%28.47%
1.17%
7.48%8.95%
2.46% 7.32%
18.50%
10.39%
Demand depositsTime and savings deposits and foreign currency depositsRestricted depositsMoney market instrumentsForeign liabilitiesGeneral government depositsLiabilities to monetary authoritiesCapital accountsOther liabilities
26BULLETIN OF BANKING STATISTICS № 3 (106)
11.
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42
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1.
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dyr
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miler
P
27BULLETIN OF BANKING STATISTICS № 3 (106)
21.
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5—
28BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 5
Money Supply Dynamics
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
31
.12
.19
98
31
.01
.19
99
28
.02
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99
31
.03
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99
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bill
ion
ru
ble
s
Cash (M0) Non-cash funds
29
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
2. MAJOR INDICATORS AND INSTRUMENTS OF THE BANK OF RUSSIA MONETARY POLICY
1.2elbaT
teehSecnalaBaissuRfoknaB)selburnoillim(
1002 2002
20.1 30.1 40.1 50.1 60.1 70.1 80.1 90.1 01.1 11.1 21.1 20.1 30.1
slatemsuoicerP.1 807,45 295,45 479,05 009,05 010,05 200,05 150,05 160,05 469,15 074,35 429,25 482,85 114,85
dlehycnerrucngierofniseitirucesdnasdnuF.2stnedisernonyb
828,627 223,717 999,957 635,718 482,178 938,029 120,969 761,899 197,100,1 046,210,1 302,000,1 559,799 815,910,1
stisopeddnastiderC.3 073,802 086,012 285,822 256,822 033,032 277,922 467,332 357,732 385,632 982,232 303,422 644,252 938,722
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snoitutitsnitiderctnediserotstiderc— 995,21 625,21 779,21 394,21 553,21 736,11 137,11 656,11 755,11 862,11 238,01 408,01 380,11
tbedtnemnrevogngierofgnicivresrof— 820,181 252,381 344,381 829,381 564,581 706,581 566,681 983,781 706,781 584,981 417,091 366,591 668,491
seitiruceS.4 198,813 990,913 929,813 179,813 936,123 201,323 343,323 009,223 280,323 661,323 890,323 367,823 319,243
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tnemnrevognaissuRfoseitiruces— 135,652 246,652 456,652 776,652 957,652 491,852 352,852 982,852 003,852 014,852 384,852 000,462 050,872
stessarehtO.5 018,57 232,27 973,27 608,37 374,57 735,57 196,17 668,27 362,47 735,57 234,67 647,07 955,96
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stessadexif— 282,54 690,54 739,44 957,44 856,44 984,44 443,44 632,44 732,44 911,44 923,44 604,05 990,05
stessalatoT 706,483,1 529,373,1 368,034,1 568,984,1 637,845,1 252,995,1 078,746,1 747,186,1 386,786,1 201,796,1 069,676,1 491,807,1 042,817,1
noitalucricnihsaC.1 632,604 121,414 709,524 034,364 682,664 563,305 260,125 340,735 958,165 089,365 511,065 245,765 599,975
aissuRfoknaBehthtiwstnuoccanisdnuF.2 927,506 202,675 625,395 854,016 289,456 150,166 335,586 195,596 703,886 302,827 467,817 165,617 940,696
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tnemnrevoglartnecehtfosdnuf— 560,021 109,811 689,621 901,251 486,371 816,671 942,402 792,502 632,781 154,612 675,612 143,991 721,081
snoitutitsnitiderctnediserfosdnuf— 081,462 601,062 366,962 028,242 065,062 417,462 200,152 368,652 793,062 664,382 751,262 704,872 585,072
taolF.3 349,21 825,51 097,51 371,51 183,51 506,02 273,81 376,12 691,42 139,61 804,71 530,51 208,32
seitilibailrehtO.4 747,591 531,402 217,132 788,632 390,642 942,842 239,652 584,162 824,742 751,222 488,412 197,571 431,581
:hcihwfo
naolFMI— 830,97 827,97 946,87 201,97 977,87 946,87 555,97 763,18 015,16 104,02 — — —
latipaC.5 259,361 939,361 829,361 719,361 499,561 289,561 179,561 559,561 398,561 138,561 987,561 562,332 062,332
seitilibaillatoT 706,483,1 529,373,1 368,034,1 568,984,1 637,845,1 252,995,1 078,746,1 747,186,1 386,786,1 201,796,1 069,676,1 491,807,1 042,817,1
.srotceriDfodraoBehtybdevorppasierutcurtsteehsecnalabaissuRfoknaBehT
30BULLETIN OF BANKING STATISTICS № 3 (106)
2.2elbaT
etaRgnicnanifeR
doireP %
.21.2 91 69 — 7991.20.9 84
.20.01 91 79 — 7991.40.72 24
.40.82 91 79 — 7991.60.51 63
.60.61 91 79 — 7991.01.5 42
.01.6 91 79 — 7991.11.01 12
.11.11 91 79 — 8991.20.1 82
.20.2 91 89 — 8991.20.61 24
.20.71 91 89 — 8991.30.1 93
.30.2 91 89 — 8991.30.51 63
.30.61 91 89 — 8991.50.81 03
.50.91 91 89 — 8991.50.62 05
.50.72 91 89 — 8991.60.4 051
.60.5 91 89 — 8991.60.82 06
.60.92 91 89 — 8991.70.32 08
.70.42 91 89 — 9991.60.9 06
.60.01 91 99 — 0002.10.32 55
0002.10.42 — 0002.30.6 54
0002.30.7 — 0002.30.02 83
0002.30.12 — 0002.70.9 33
0002.70.01 — 0002.11.3 82
0002.11.4 — 52
3.2elbaT
aissuRfoknaBnisoitaRegatnecrePdexiF’snoitutitsnItiderCsevreseRderiuqeR
)tnecrep(
etaD
sdnufroFmorfdeworrobseititnelagel
selburni
sdnufroFmorfdeworrobseititnelagel
ngierofniycnerruc
sdnufroFmorfdeworrob
slaudividniselburniseititne
sdnufroFmorfdeworrob
slaudividnilagelngierofniycnerruc
lanosrepnOselburnistisoped
knabrebSnisseldrager()ytirutamfo
8991.20.1 — 8991.80.32 11 8
8991.80.42 — 8991.80.13 01 7
8991.90.1 — 8991.11.03 01 5
8991.21.1 — 9991.30.81 5 5
9991.30.91 — 9991.60.9 7 7 5 7 5
9991.60.01 — 9991.21.13 5.8 5.8 5.5 5.8 5.5
0002.10.1 — 01 01 7 01 7
31BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 6
Dynamics of Individual Indicators on the Bank of Russia Overnight Deposits
0
2
4
6
8
10
12
14
16
Jan
uar
y 1
99
9Fe
bru
ary
19
99
Mar
ch 1
99
9A
pri
l 19
99
May
19
99
Jun
e 1
99
9Ju
ly 1
99
9A
ug
ust
19
99
Sep
tem
ber
19
99
Oct
ob
er 1
99
9N
ove
mb
er 1
99
9D
ecem
ber
19
99
Jan
uar
y 2
00
0Fe
bru
ary
20
00
Mar
ch 2
00
0A
pri
l 20
00
May
20
00
Jun
e 2
00
0Ju
ly 2
00
0A
ug
ust
20
00
Sep
tem
ber
20
00
Oct
ob
er 2
00
0N
ove
mb
er 2
00
0D
ecem
ber
20
00
Jan
uar
y 2
00
1Fe
bru
ary
20
01
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
%
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)
32
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
4.2elbaT
tekraMyenoMnisnoitarepOtisopeDaissuRfoknaBnosetaRtseretnIdethgieWegarevAmetsySgnilaeD-sretueRgnisU
).a.p%(
htnoMdnameDstisoped
thginrevO txen/moT topS txen keewenОeno/topS
keewskeewowT
owt/topSskeew
htnom1 htnom3 latoT
1002
yraunaJ — 22.1 — — 42.5 64.6 26.6 62.7 00.8 00.01 93.9
yraurbeF — 11.1 — 00.2 00.6 05.6 00.7 05.7 00.8 00.01 44.7
hcraM — 71.1 — — 00.6 05.6 00.7 05.7 00.8 00.01 99.5
lirpA — 14.1 08.1 — 00.6 05.6 00.7 05.7 00.8 00.01 54.9
yaM — 09.0 — 00.2 00.6 05.6 00.7 05.7 00.8 00.01 58.5
enuJ — 40.1 — — 90.6 05.6 70.7 05.7 01.8 84.11 10.7
yluJ — 14.1 03.2 — 42.7 15.7 57.8 00.9 00.01 00.21 11.9
tsuguA — 32.1 — — 05.7 — 00.9 05.9 00.01 00.21 20.8
rebmetpeS 07.2 86.1 — — 05.7 00.8 00.9 05.9 00.01 00.21 74.01
rebotcO — 86.1 — — 28.7 73.8 00.9 05.9 00.01 00.21 42.9
rebmevoN — 08.1 — — 00.8 05.8 00.9 05.9 00.01 00.21 42.9
rebmeceD — 67.2 — — 94.9 25.8 96.01 — 00.41 — 80.9
2002
yraunaJ 00.6 19.2 32.3 — 16.11 53.21 78.21 64.31 00.41 05.41 78.11
yraurbeF 00.6 05.4 29.2 — 00.21 05.21 00.31 05.31 00.41 05.41 43.31
33
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
5.2elbaT
snoitarepOtisopeDaissuRfoknaBnideworroBsdnuFfoerutcurtSehTmetsySgnilaeD-sretueRgnisUtekraMyenoMni
).a.p%(
htnoMdnameDstisoped
thginrevO txen/moT topS txen keewenО keeweno/topS skeewowTowt/topS
skeewhtnom1 htnom3
1002
yraunaJ — 01.74 — — 06.71 87.0 03.6 69.0 43.2 29.42
yraurbeF — 11.74 — 41.0 41.12 52.1 21.8 84.1 09.2 68.71
hcraM — 11.27 — — 80.91 33.0 81.6 43.0 32.1 37.0
lirpA — 91.93 30.0 — 16.61 12.1 74.6 69.9 65.0 79.52
yaM — 34.35 — 93.0 65.73 92.0 07.5 85.0 65.1 94.0
enuJ — 39.83 — — 66.02 64.0 02.43 55.0 12.4 99.0
yluJ — 27.14 41.3 — 85.12 39.2 35.9 13.01 05.8 92.2
tsuguA — 11.63 — — 46.53 — 89.91 63.7 97.0 21.0
rebmetpeS 30.0 77.23 — — 50.71 90.5 31.42 56.8 40.2 42.01
rebotcO — 48.51 — — 68.92 63.6 98.42 51.4 78.81 30.0
rebmevoN — 53.31 — — 63.52 32.0 06.62 59.91 93.41 21.0
rebmeceD — 76.16 — — 16.91 31.6 26.11 — 79.0 —
2002
yraunaJ 45.0 18.94 41.0 — 30.13 86.0 20.7 26.1 00.9 61.0
yraurbeF 43.0 86.14 61.0 — 17.62 60.0 70.51 52.3 81.7 55.5
34BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 7
Chart 8
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
2
% p
.a.
Bank of Russia deposit rate Interbank rate (overnight)
Yield on GKOs with maturities of up to 90 days Average weighted rate on Bank of Russia lombard credits
Bank of Russia bond yields
Interest Rates Dynamics of Money Market in January,2001 - February, 2002
0
10
20
30
40
50
60
29
.12
.20
00
8.0
1.2
00
11
8.0
1.2
00
12
8.0
1.2
00
17
.02
.20
01
17
.02
.20
01
27
.02
.20
01
9.0
3.2
00
11
9.0
3.2
00
12
9.0
3.2
00
18
.04
.20
01
18
.04
.20
01
28
.04
.20
01
8.0
5.2
00
11
8.0
5.2
00
12
8.0
5.2
00
17
.06
.20
01
17
.06
.20
01
27
.06
.20
01
7.0
7.2
00
11
7.0
7.2
00
12
7.0
7.2
00
16
.08
.20
01
16
.08
.20
01
26
.08
.20
01
5.0
9.2
00
11
5.0
9.2
00
12
5.0
9.2
00
15
.10
.20
01
15
.10
.20
01
25
.10
.20
01
4.1
1.2
00
11
4.1
1.2
00
12
4.1
1.2
00
14
.12
.20
01
14
.12
.20
01
24
.12
.20
01
3.0
1.2
00
21
3.0
1.2
00
22
3.0
1.2
00
22
.02
.20
02
12
.02
.20
02
22
.02
.20
02
% p
.a.
Interbank rate (overnight)
Yield on GKOs with maturities of up to 90 days
Refinancing rate
Bank of Russia deposit rate
35BULLETIN OF BANKING STATISTICS № 3 (106)
6.2
elb
aT
eta
Rel
bu
Rot
rall
oD
SU
lai
ciffO
)D
SU/
elb
ur(
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
36BULLETIN OF BANKING STATISTICS № 3 (106)
Ed
n
)D
SU/
elb
ur(
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—
——
37BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 9
Official US Dollar to Ruble Exchange Rate Dynamics in August, 1998 — February, 2002
28,650025,2900
23,0600
13,0000
8,6707
20,8250
6,4300
25,1000
30,2100
5
10
15
20
25
30
35
3.0
8.1
99
81
.09
.19
98
30
.09
.19
98
29
.10
.19
98
27
.11
.19
98
29
.12
.19
98
30
.01
.19
99
2.0
3.1
99
93
1.0
3.1
99
92
8.0
4.1
99
91
.06
.19
99
1.0
7.1
99
93
0.0
7.1
99
92
8.0
8.1
99
92
5.0
9.1
99
92
6.1
0.1
99
92
4.1
1.1
99
92
2.1
2.1
99
92
6.0
1.2
00
02
4.0
2.2
00
02
5.0
3.2
00
02
5.0
4.2
00
02
7.0
5.2
00
02
8.0
6.2
00
02
7.0
7.2
00
02
5.0
8.2
00
02
3.0
9.2
00
02
4.1
0.2
00
02
3.1
1.2
00
02
3.1
2.2
00
02
6.0
1.2
00
12
4.0
2.2
00
12
8.0
3.2
00
12
5.0
4.2
00
1
26
.05
.20
01
2
7.0
6.2
00
12
6.0
7.2
00
12
4.0
8.2
00
12
2.0
9.2
00
12
3.1
0.2
00
12
2.1
1.2
00
12
2.1
2.2
00
12
6.0
1.2
00
22
7.0
2.2
00
2
rub
le
Official rate
38BULLETIN OF BANKING STATISTICS № 3 (106)
7.2
elb
aT
eta
Rel
bu
Rot
oru
El
aiciff
O
)or
ue/
elb
ur(
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
39BULLETIN OF BANKING STATISTICS № 3 (106)
dn
E
)or
ue/
elb
ur(
61
71
81
91
02
12
22
32
42
52
62
72
82
92
03
13
10
02
yra
un
aJ2
8.6
22
6.6
26
7.6
22
6.6
22
8.6
2—
—0
5.6
25
7.6
27
5.6
26
1.6
28
1.6
2—
—8
1.6
20
0.6
2
yra
urb
eF
53.
62
00.
62
——
02.
62
34.
62
99.
52
20.
62
69.
52
——
93.
62
22.
62
——
—
hcra
M6
0.6
21
7.5
2—
—3
6.5
28
8.5
23
0.6
27
6.5
22
6.5
2—
—5
6.5
21
7.5
21
7.5
20
5.5
29
2.5
2
lirp
A—
46.
52
76.
52
44.
52
26.
52
68.
52
——
21.
62
09.
52
28.
52
88.
52
20.
62
76.
52
——
ya
M0
4.5
22
4.5
21
7.5
25
6.5
2—
—5
6.5
23
4.5
25
1.5
20
9.4
21
0.5
2—
—8
9.4
23
9.4
27
8.4
2
en
uJ7
0.5
2—
—8
0.5
20
0.5
26
8.4
27
8.4
25
8.4
2—
—1
0.5
24
0.5
24
1.5
23
0.5
27
5.4
2—
yluJ
—1
0.5
27
8.4
23
1.5
23
5.5
25
5.5
2—
—8
4.5
26
4.5
24
5.5
25
7.5
20
7.5
2—
—0
6.5
2
tsu
gu
A1
5.6
28
8.6
26
7.6
2—
—9
9.6
27
7.6
20
9.6
24
8.6
20
9.6
2—
—3
7.6
23
5.6
20
8.6
27
6.6
2
re
bm
etp
eS
——
92.
72
41.
72
42.
72
03.
72
01.
72
——
98.
62
39.
62
31.
72
20.
72
68.
62
——
re
botc
O6
29.
34
7.6
20
8.6
28
6.6
27
6.6
2—
—7
5.6
25
3.6
25
3.6
20
4.6
21
5.6
2—
—4
5.6
27
8.6
2
re
bm
evo
N6
2.
42
82.
62
——
62.
62
93.
62
43.
62
12.
62
43.
62
——
43.
62
24.
62
25.
62
25.
62
—
re
bm
ece
D—
—2
3.7
22
3.7
22
3.7
29
1.7
20
0.7
2—
—9
7.6
29
4.6
28
5.6
29
4.6
2—
——
20
02
yra
un
aJ2
2.7
21
9.6
29
9.6
26
9.6
2—
—6
0.7
28
9.6
21
1.7
24
8.6
23
8.6
2—
—1
5.6
21
4.6
25
5.6
2
yra
urb
eF
98.
62
——
29.
62
68.
62
01.
72
48.
62
08.
62
——
—0
9.6
21
7.6
2—
——
40BULLETIN OF BANKING STATISTICS № 3 (106)
8.2elbaT
setouQslateMsuoicerPaissuRfoknaB)margrepselbur(
setouqfoetaDdloG revliS munitalP muidallaP
yub lles yub lles yub lles yub lles
2002.20.1 88.262 85.972 48.3 42.4 77.983 41.544 54.923 58.363
2002.20.4 48.662 87.382 28.3 22.4 89.293 08.844 68.033 04.563
2002.20.5 40.172 52.882 78.3 72.4 87.393 27.944 01.823 63.263
2002.20.6 37.772 63.592 78.3 72.4 44.304 57.064 74.433 93.963
2002.20.7 63.082 61.892 20.4 44.4 18.604 06.464 80.733 72.273
2002.20.8 81.582 82.303 39.3 43.4 75.214 81.174 32.043 57.573
2002.20.11 92.282 12.003 59.3 63.4 41.414 79.274 01.833 04.373
2002.20.21 90.082 78.792 79.3 83.4 83.804 93.664 63.923 47.363
2002.20.31 28.972 95.792 69.3 73.4 35.704 24.564 04.833 37.373
2002.20.41 12.972 49.692 00.4 24.4 97.714 31.774 59.943 94.683
2002.20.51 03.182 61.992 70.4 94.4 96.714 20.774 63.543 14.183
2002.20.81 13.492 62.792 31.4 65.4 79.804 60.764 58.043 34.673
2002.20.91 87.392 37.692 11.4 45.4 38.014 81.964 60.833 53.373
2002.20.02 66.092 85.392 80.4 15.4 55.114 10.074 48.833 22.473
2002.20.12 14.782 03.092 60.4 84.4 43.014 26.864 40.433 19.863
2002.20.22 24.982 33.292 79.3 93.4 74.414 43.374 68.333 17.863
2002.20.62 85.982 94.292 79.3 93.4 75.914 61.974 60.833 53.373
2002.20.72 21.692 90.992 69.3 73.4 62.234 66.394 65.643 47.283
2002.20.82 25.392 74.692 30.4 54.4 75.134 78.294 81.243 09.773
41
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
3. FINANCIAL MARKETS
3.1. Interbank Credit Market
1.1.3elbaT
,)DIBIM(setaRdiBknabretnIwocsoMegarevAylhtnoM)ROBIM(setaRdereffOknabretnIwocsoMegarevAylhtnoM
)RCAIM(setaRtiderClautcAknabretnIwocsoMegarevAdethgieWylhtnoMdna)stidercelburrof.a.p%(
)DIBIM(setaRdiBknabretnIwocsoM setaRdereffOknabretnIwocsoM )ROBIM( setaRtiderClautcAknabretnIwocsoM )RCAIM(
tidercfomreT
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
1002
yraunaJ 45.3 82.5 27.7 03.11 86.21 83.61 04.6 65.8 99.21 18.61 84.71 75.12 83.5 73.5 83.01 19.9 64.3 84.32
yraurbeF 54.5 52.6 73.8 17.11 10.31 86.61 85.9 59.9 02.31 21.71 77.71 33.12 31.21 53.8 56.41 62.51 56.52 02.22
hcraM 56.5 41.7 93.9 79.11 74.31 95.61 10.01 23.11 80.51 37.71 54.81 27.12 53.8 58.01 22.41 54.11 30.72 79.02
lirpA 42.5 08.6 17.8 45.11 75.31 08.61 62.9 46.01 23.41 32.71 83.81 45.12 40.9 95.51 71.31 18.11 83.32 33.01
yaM 08.4 64.6 24.8 53.11 84.31 95.61 04.8 40.01 99.31 57.61 70.81 13.12 09.6 71.7 77.11 93.11 17.91 02.41
enuJ 45.7 81.8 47.9 22.21 10.41 59.61 73.21 84.21 16.51 80.81 59.81 89.12 22.31 97.9 44.11 06.31 24.6 81.02
yluJ 69.3 92.6 65.8 26.11 08.31 15.61 24.7 89.9 21.41 15.61 79.71 40.12 02.6 07.7 15.9 95.21 50.22 80.22
tsuguA 87.4 10.7 21.9 67.11 28.31 24.61 43.8 24.01 30.41 35.61 50.81 90.12 72.7 88.7 48.01 13.01 84.52 77.22
rebmetpeS 79.4 10.7 09.8 64.11 77.31 04.61 93.8 98.01 08.31 06.51 00.81 62.12 51.8 63.9 46.31 85.9 00.82 89.42
rebotcO 66.4 01.7 58.8 82.11 96.31 42.61 51.8 09.01 74.31 54.51 27.71 88.02 43.7 95.7 64.21 67.41 08.62 52.12
rebmevoN 94.8 49.8 26.01 33.21 35.41 30.71 06.31 28.31 37.51 58.61 30.91 82.22 15.31 55.61 99.11 98.41 20.22 00.81
rebmeceD 77.41 33.41 02.51 79.41 69.61 08.81 54.32 16.12 60.22 74.02 80.22 79.42 19.32 58.71 00.91 96.91 38.32 62.81
2002
yraunaJ 19.5 35.8 44.11 03.31 78.51 77.61 81.01 92.31 44.71 30.81 73.02 47.12 96.01 42.9 99.31 97.41 41.12 00.81
yraurbeF 04.7 79.9 07.11 05.31 13.61 62.71 85.11 22.41 05.61 69.71 07.02 54.22 92.31 19.21 60.41 13.31 25.22 00.81
42
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
2.1.3elbaT
,)DIBIM(setaRdiBknabretnIwocsoM)ROBIM(setaRdereffOknabretnIwocsoM
)RCAIM(etaRtiderClautcAknabretnIwocsoMdna)stidercelburrof.a.p%(
etaD
)DIBIM(setaRdiBknabretnIwocsoM setaRdereffOknabretnIwocsoM )ROBIM( setaRtiderClautcAknabretnIwocsoM )RCAIM(
tidercfomreT
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
yad1ot2
syad78 ot
03 syad13 ot
09 syadot19
syad081syad181raey1ot
2002.20.1 8. 17 01 . 25 21 . 30 31 . 36 61 . 17 71 . 95 31 . 55 41 . 16 71 . 42 81 . 21 39.02 80.32 69.6 51.01 81.42 00.51 — 00.81
2002.20.4 5. 37 9. 54 11 . 48 31 . 83 61 . 72 71 . 41 8. 29 31 . 61 51 . 59 71 . 58 02 . 46 22 . 42 7. 10 11 . 42 31 . 40 33.61 — 00.81
2002.20.5 4. 68 8. 55 11 . 60 31 . 50 51 . 28 61 . 18 8. 56 21 . 07 51 . 67 71 . 53 91 . 97 12 . 14 7. 40 21 . 94 41 . 71 74.61 — 00.81
2002.20.6 5. 02 01 . 30 11 . 03 31 . 50 51 . 28 61 . 18 8. 92 31 . 35 51 . 42 71 . 53 91 . 97 12 . 14 5. 29 11 . 03 — — — 00.81
2002.20.7 5. 10 9. 20 11 . 53 31 . 03 61 . 61 71 . 30 8. 73 31 . 81 51 . 96 71 . 58 05.02 42.22 73.01 96.9 21.31 61 . 60 — 00.81
2002.20.8 5. 39 9. 71 11 . 54 31 . 82 61 . 31 71 . 30 9. 31 21 . 07 51 . 01 71 . 58 05.02 42.22 71.8 84.9 00.71 — — 00.81
2002.20.11 5. 59 8. 46 11 . 42 31 . 12 61 . 61 71 . 30 9. 95 21 . 58 51 . 43 71 . 27 02 . 46 22 . 42 7. 36 01 . 15 31 . 48 72.51 — 00.81
2002.20.21 5. 77 9. 11 11 . 13 31 . 82 61 . 61 71 . 30 9. 21 31 . 61 51 . 13 71 . 06 02 . 63 22 . 42 8. 11 73.21 00.41 — — —
2002.20.31 6. 10 9. 46 11 . 43 31 . 31 61 . 61 71 . 82 9. 02 31 . 33 41 . 88 71 . 54 02 . 24 22 . 42 8. 80 8. 13 51 . 70 — — 00.81
2002.20.41 6. 20 9. 28 11 . 22 31 . 31 61 . 61 71 . 82 9. 72 31 . 37 51 . 88 71 . 04 02 . 24 22 . 42 22 . 45 41 . 39 14.51 — — 00.81
2002.20.51 9. 39 01 . 48 11 . 18 31 . 69 61 . 39 71 . 29 61 . 49 61 . 43 71 . 15 81 . 05 12 . 46 32 . 14 51 . 76 12 . 06 21 . 05 00.61 — 00.81
2002.20.81 7. 88 01 . 15 11 . 53 31 . 83 61 . 50 61 . 18 31 . 01 51 . 41 61 . 69 71 . 79 02 . 22 12 . 47 31 . 84 5. 80 21 . 05 00.81 — 00.81
2002.20.91 7. 26 01 . 71 11 . 86 31 . 83 61 . 61 71 . 95 11 . 16 41 . 53 61 . 59 71 . 77 02 . 97 32 . 80 7. 67 21 . 91 41 . 80 — — —
2002.20.02 7. 30 9. 73 01 . 69 31 . 31 51 . 28 61 . 18 01 . 19 31 . 66 61 . 25 71 . 73 39.91 19.12 71.41 26.21 92.41 — 00.32 00.81
2002.20.12 8. 68 01 . 16 21 . 81 41 . 50 61 . 17 71 . 95 21 . 26 41 . 17 71 . 22 81 . 76 12 . 22 32 . 80 32 . 14 11 . 15 67.81 28.71 00.81 —
2002.20.22 11 . 52 11 . 11 21 . 65 41 . 50 61 . 17 71 . 95 71 . 63 61 . 24 81 . 63 81 . 05 22.12 80.32 80.51 36.51 00.61 — — —
2002.20.62 8. 62 01 . 41 21 . 30 31 . 55 61 . 61 71 . 61 31 . 83 51 . 10 71 . 93 71 . 59 29.02 80.22 15.8 18.9 67.31 30.31 — —
2002.20.72 6. 46 01 . 17 11 . 69 31 . 55 61 . 61 61 . 29 01 . 53 51 . 81 71 . 76 71 . 59 46.02 80.22 99.11 02.61 00.61 06.4 97.02 —
2002.20.82 41 . 10 21 . 31 31 . 46 41 . 69 71 . 06 81 . 74 91 . 66 61 . 64 81 . 15 02 . 20 46.22 14.42 46.93 55.41 03.21 29.31 — 00.81
43
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
3.2. Exchange Market
.2.3elbaT 1
egnahcxEycnerruCknabretnItaedarTralloDSU
etarelbur/ralloddethgiewegarevA
STUXECIM
XECEPS XEBIS XERU XEPSAyadoT 1 worromoT 2 topS 3 txen/topS 4
1002
yraunaJ 2883.82 7393.82 1314.82 2133.82 — 7114.82 8183.82 — 3234.82
yraurbeF 0906.82 6126.82 7466.82 9396.82 — 8536.82 1875.82 — 1506.82
hcraM 2386.82 8996.82 3617.82 3776.82 — 0796.82 5786.82 — 4776.82
lirpA 5758.82 2778.82 3188.82 0059.82 — 6068.82 3958.82 — 8378.82
yaM 2530.92 6270.92 3180.92 5301.92 — 6850.92 2630.92 0071.92 5630.92
enuJ 4211.92 2731.92 8141.92 4451.92 — 8421.92 8411.92 — 5911.92
yluJ 3822.92 4832.92 4742.92 7102.92 — 4752.92 9532.92 — 4622.92
tsuguA 5243.92 1763.92 4663.92 1814.92 0024.92 5863.92 2153.92 — 1343.92
rebmetpeS 0234.92 7054.92 8944.92 0344.92 — 7334.92 0454.92 — 3314.92
rebotcO 4545.92 0185.92 2156.92 3425.92 — 3945.92 4725.92 1445.92 6565.92
rebmevoN 0408.92 3448.92 0788.92 4978.92 — 7038.92 5408.92 0088.92 6628.92
rebmeceD 1831.03 7541.03 1541.03 9161.03 — 7871.03 8490.03 0059.92 2161.03
2002
yraunaJ 6245.03 5775.03 3106.03 0006.03 — 4075.03 6155.03 0025.03 2943.03
yraurbeF 8538.03 4938.03 4808.03 9988.03 5258.03 6448.03 4638.03 1388.03 0528.03
44BULLETIN OF BANKING STATISTICS № 3 (106)
dn
E
,e
mul
ovg
nid
arT
noilli
mD
SU
ST
UX
ECI
MX
EC
EP
SX
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10
02
yra
un
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55
7,2
6.9
19,
59.
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urb
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5.4
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29.
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2—
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05
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04,
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81
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2
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5.8
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M6.
61
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0.7
85,
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41
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78
1,2
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7.7
95,
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5,2
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51
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81
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etp
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1.0
2.1
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bm
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57
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76,
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91
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66,
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82
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45BULLETIN OF BANKING STATISTICS № 3 (106)
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TA
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yraunaJ 9.572,4 2.883,1 0.564,1 0.244 7.838 9.141
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rebmeceD 0.450,7 7.241,2 2.163,2 2.466 9.626,1 0.952
2002
yraunaJ 7.811,5 4.964,1 3.586,1 2.774 5.313,1 2.371
47BULLETIN OF BANKING STATISTICS № 3 (106)
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48
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yraurbeF 0.89 0.613 0.241,2 0.354,1 2671.82 0519.82 47.0 1.59 2.79
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rebmevoN 0.211 0.674 7.989,1 0.103,1 2682.92 3040.03 57.0 7.19 8.79
rebmeceD 0.811 0.294 4.878,1 3.155,1 0976.92 7495.03 29.0 1.68 8.89
2002
yraunaJ 0.111 0.834 9.376,1 8.791,1 7300.03 6888.03 88.0 9.39 7.19
49BULLETIN OF BANKING STATISTICS № 3 (106)
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50BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 10
Dynamics of Foreign Cash Purchase and Sale Transactions with Individuals by Authorized Banks and Their Branches
0
500
1,000
1,500
2,000
2,500
3,000
Jan
uar
y 1
99
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
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20
01
No
vem
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20
01
Jan
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00
2
$ m
illio
n
Foreign cash purchases from individuals
Foreign cash sales to individuals
51
BU
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esahcrup )stinudnasuoht(snoitcasnartforebmun 5.062,2 6.822,2 5.855,2 3.675,2 6.626,2 7.845,2 3.127,2 7.597,2 7.344,2 4.863,2 1.601,2 4.221,2 8.337,1
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elas )stinudnasuoht(snoitcasnartforebmun 0.327 0.117 0.177 4.616 5.695 5.406 3.416 9.726 9.174 0.284 2.543 8.273 3.123
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005$ot152$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 9.72 7.24 8.75 2.28 5.85 4.06 9.78 8.101 0.523 9.711 5.97 3.77 7.55
)noillim$(snoitcasnartfoeulav 8.8 3.31 3.81 8.52 5.81 0.91 3.82 2.33 4.401 0.73 8.42 2.52 8.71
elas )stinudnasuoht(snoitcasnartforebmun 6.555 5.006 8.225 4.764 2.505 7.835 8.385 3.535 0.133 0.643 0.194 2.695 2.916
)noillim$(snoitcasnartfoeulav 7.402 7.612 0.091 9.561 9.181 5.791 0.712 3.002 0.911 4.921 4.081 4.322 6.322
000,2$ot105$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 2.6 6.6 1.7 3.9 4.8 5.6 8.6 9.11 1.53 5.51 2.9 0.8 9.5
)noillim$(snoitcasnartfoeulav 5.4 0.5 9.5 9.6 9.5 1.5 6.5 6.8 3.42 3.01 8.6 8.5 9.4
elas )stinudnasuoht(snoitcasnartforebmun 1.622 4.381 0.681 9.181 2.832 4.352 4.013 3.833 0.102 3.662 9.505 2.416 6.473
)noillim$(snoitcasnartfoeulav 9.261 0.031 5.921 2.621 3.761 7.871 3.322 7.442 2.241 1.991 2.873 9.954 5.872
000,5$ot100,2$morf
esahcrup )stinudnasuoht(snoitcasnartforebmun 3.0 2.0 5.0 5.0 3.0 3.0 3.0 3.0 3.0 5.0 7.0 7.0 4.0
)noillim$(snoitcasnartfoeulav 1.1 8.0 3.1 3.1 1.1 2.1 8.0 0.1 8.0 4.1 5.1 1.2 1.1
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)noillim$(snoitcasnartfoeulav 2.6 8.6 8.8 7.01 8.8 8.7 8.6 8.8 1.31 3.41 3.41 1.32 6.11
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)noillim$(snoitcasnartfoeulav 3.1 9.1 8.1 8.2 3.1 2.1 2.1 2.1 9.2 7.3 0.5 7.2 4.2
52BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 11
Chart 12
Foreign Cash Sources in January, 2002
28.71%
32.92%
9.32%
25.66% 3.38%
Banks' imports to Russia entered to cash account
Purchased from resident banks
Purchased from individuals and accepted for conversion
Received from individuals (residents and nonresidents) for entering to their foreign currency accounts
Other sources
Structure of Foreign Cash Expenditures in January, 2002
33.37%
16.30% 42.94%
3.77%3.62%
Banks' exports from Russia cash accounts debit
Sales to resident banks
Sales to individuals
Payments from personal foreign currency accounts residents and nonresidents
Other
53
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1002.80.8 2002.20.6 5SFMR51072US 811 . 32 3, 424 . 49 2 41
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8991.80.91 2002.20.02 0SFMR80072US 353 . 70 9, 245 . 23 21 51
1002.11.12 2002.20.02 3SFMR61072US 212 . 51 5, 276 . 94 1 51
54
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50.1 85.1 08.7 87.46 97.61 50.9
60.1 96.4 27.5 40.46 95.61 59.8
70.1 70.3 27.7 41.46 82.61 87.8
80.1 05.4 10.7 89.36 29.51 95.8
90.1 73.8 76.3 67.46 76.51 45.7
01.1 77.8 01.5 84.86 05.61 51.1
11.1 18.5 30.6 01.07 78.61 91.1
21.1 78.3 78.5 44.77 56.11 71.1
2002
10.1 91.6 99.5 15.68 — 13.1
20.1 12.4 72.7 12.78 — 23.1
30.1 19.2 56.01 90.58 — 53.1
55
BU
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ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
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4.3.3elbaT
tekraMyradnoceSsZFO—sOKGehtfosretemaraProjaM
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tnemnrevoGtrohs — sdnobmret
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—tnenamreP emocnisdnobnaollaredef
dexiF laredefemocni—sdnobnaol
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2002.20.1 41.31 99.21 05.41 25.31 71.61 36.41
2002.20.4 37.31 60.31 84.41 13.31 03.61 94.41
2002.20.5 37.31 90.31 52.41 86.21 65.61 14.41
2002.20.6 39.21 29.21 48.31 58.21 79.51 93.41
2002.20.7 96.21 68.21 11.41 98.21 82.51 71.41
2002.20.8 30.31 88.21 71.41 38.21 90.51 95.41
2002.20.11 11.31 10.31 22.41 86,21 20.61 90.41
2002.20.21 31.31 80.31 91.41 69.21 53.61 82.41
2002.20.31 12.31 01.31 12.41 11.31 71.61 35.41
2002.20.41 33.31 89.21 63.41 62.31 49.51 83.41
2002.20.51 84.31 80.31 25.41 84.31 75.61 94.41
2002.20.81 76.31 80.31 44.41 15.31 23.61 25.41
2002.20.91 56.31 29.21 91.41 23.31 09.51 22.41
2002.20.02 66.31 38.21 71.41 88.31 00.0 02.41
2002.20.12 44.31 19.21 92.41 88.31 88.51 61.41
2002.20.22 04.31 29.21 73.41 56.31 00.0 58.31
2002.20.62 54.31 02.31 36.41 15.31 00.0 33.41
2002.20.72 91.31 03.31 28.41 00.31 00.0 77.41
2002.20.82 31 . 84 31 . 91 41 . 76 45.31 71.61 28.41
56BULLETIN OF BANKING STATISTICS № 3 (106)
.tn
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1
57BULLETIN OF BANKING STATISTICS № 3 (106)
dn
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3
58BULLETIN OF BANKING STATISTICS № 3 (106)
5.3.3elbaT
tekraMseitiruceStnemnrevoGnosetaRtseretnIdethgieWegarevA).a.p%(
etaDsmretnoitpmedernoseitirucestnemnrevoG
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2002.20.1 01.21 64.31 86.41
2002.20.4 74.51 86.31 26.41
2002.20.5 07.71 14.31 04.41
2002.20.6 34.61 79.21 60.41
2002.20.7 38.21 73.31 62.41
2002.20.8 70.71 13.31 63.41
2002.20.11 60.71 63.31 14.41
2002.20.21 50.71 73.31 73.41
2002.20.31 40.71 73.31 04.41
2002.20.41 29.61 75.31 35.41
2002.20.51 59.61 17.31 96.41
2002.20.81 76.61 26.31 26.41
2002.20.91 45.51 55.31 43.41
2002.20.02 53.51 26.31 03.41
2002.20.12 66.31 47.31 04.41
2002.20.22 05.31 17.31 15.41
2002.20.62 58.31 10.41 47.41
2002.20.72 81.41 51.41 19.41
2002.20.82 94.41 10.41 87.41
59BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 13
Corporate securities market indices
220
230
240
250
260
270
280
290
300
310
3.01.2
002
8.01.2
002
10.01.2
002
14.01.2
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16.01.2
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18.01.2
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22.01.2
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24.01.2
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28.01.2
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30.01.2
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1.02.2
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5.02.2
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7.02.2
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11.02.2
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15.02.2
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19.02.2
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26.02.2
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28.02.2
002
po
ints
0
50
100
150
200
250
$ 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)
4.3elbaT
secidnItekraMseitiruceSetaroproCemoS
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2002.20.1 4. 867 551 . 93 262 . 31 41 . 56 882 . 10
2002.20.4 3. 618 421 . 81 752 . 10 41 . 58 882 . 56
2002.20.5 3. 509 721 . 90 552 . 20 21 . 30 582 . 28
2002.20.6 3. 053 901 . 00 062 . 62 91 . 66 292 . 67
2002.20.7 4. 522 731 . 25 562 . 11 91 . 22 492 . 14
2002.20.8 4. 607 69.251 762 . 72 41 . 00 392 . 28
2002.20.11 3. 430 89 . 64 762 . 13 9. 19 492 . 53
2002.20.21 4. 110 031 . 70 962 . 78 51 . 78 23.892
2002.20.31 2. 666 68 . 44 662 . 73 8. 48 592 . 68
2002.20.41 4. 464 441 . 08 262 . 16 71 . 36 492 . 38
2002.20.51 2. 049 59 . 04 262 . 22 7. 65 392 . 55
2002.20.81 3. 041 101 . 98 652 . 58 01 . 40 092 . 89
2002.20.91 3. 498 621 . 90 752 . 35 11 . 80 882 . 68
2002.20.02 3. 296 911 . 45 052 . 75 31 . 63 282 . 65
2002.20.12 3. 664 211 . 23 552 . 43 41 . 32 882 . 79
2002.20.22 4. 902 631 . 74 262 . 55 41 . 66 592 . 53
2002.20.62 4. 680 231 . 52 862 . 88 61 . 51 492 . 33
2002.20.72 4. 436 28.941 462 . 15 01 . 87 192 . 46
2002.20.82 4. 386 151 . 53 262 . 55 41 . 70 092 . 57
60
BU
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rebmetpeS 78.2 59.3 53.3 34.4 57.3 ... 17.71 02.2 ...
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rebmevoN 39.1 93.3 50.3 ... 11.3 ... 36.61 57.1 ...
rebmeceD 27.1 43.3 00.3 ... 51.3 ... 73.61 96.1 ...
V,scitsitatSlaicnaniFlanoitanretnIFMI:ecruoS .2002,2—1.oN,VL.loV,1002,21—1.oN,VIL.lo
61BULLETIN OF BANKING STATISTICS № 3 (106)
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62BULLETIN OF BANKING STATISTICS № 3 (106)
3.5.
3el
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op
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63BULLETIN OF BANKING STATISTICS № 3 (106)
4.5.
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ba
T
set
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p%(
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64
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
4. CREDIT INSTITUTIONS PERFORMANCE
4.1. General Description
1.1.4elbaT
snoitutitsnItiderCfoerutcurtSdnarebmuN
1002 2002
20.82 30.13 40.03 50.13 60.03 70.13 80.13 90.03 01.13 11.03 21.13 10.13 20.82
aissuRfoknaBybderetsigersnoitutitsnitiderC.1 411,2 411,2 311,2 001,2 570,2 180,2 260,2 950,2 650,2 560,2 100,2 899,1 199,1
:hcihwfo
sknab— 470,2 470,2 270,2 950,2 430,2 040,2 120,2 810,2 510,2 810,2 359,1 059,1 449,1
snoitutitsnitidercgniknabnon— 04 04 14 14 14 14 14 14 14 74 84 84 74
snoitutitsnitidercdenwo-ngieroftnecrep001deretsigeR.1.1 32 32 32 32 32 32 32 32 32 32 32 62 62
,aissuRfoknaBybderetsiger,snoitutitsnitiderC.2.1dnalatipacdesirohtuariehtpudiapteytonevahhcihw
)walybtestimil-emitehtnihtiw(ecnecildeviecerteytonevah1 1 21 5 2 6 6 1 1 01 7 7 8
:hcihwfo
sknab— 1 1 11 5 2 6 6 1 1 4 2 6 8
snoitutitsnitidercgniknabnon— 0 0 1 0 0 0 0 0 0 6 5 1 —
seidobrehtoybderetsigersnoitutitsnitidercknabnoN.2 2 2 2 2 2 2 2 2 2 2 2 2 2
snoitcasnartgniknabtcudnocotdesnecilsnoitutitsnitiderC.3 913,1 813,1 613,1 223,1 223,1 223,1 223,1 223,1 023,1 913,1 913,1 323,1 423,1
:hcihwfo
sknab— 972,1 872,1 672,1 182,1 182,1 182,1 182,1 182,1 972,1 872,1 672,1 672,1 772,1
snoitutitsnitidercgniknabnon— 04 04 04 14 14 14 14 14 14 14 34 74 74
:)noissimrep(ecnecilhtiwsnoitutitsnitiderC.1.3
stisopedlanosreptcarttaot— 832,1 732,1 532,1 432,1 232,1 032,1 132,1 722,1 722,1 622,1 322,1 022,1 912,1
ycnerrucngierofnisnoitcasnarttcudnocot— 977 287 087 197 497 597 797 508 508 508 018 518 718
ecnecillareneghtiwsnoitutitsnitiderc— 442 742 552 552 552 852 062 752 752 262 262 562 762
:slatemsuoicerphtiwsnoitcasnarttcudnocot—
stimrep— 9 9 8 8 8 8 8 8 8 8 7 7 7
secnecil— 1 851 161 161 361 461 461 461 261 261 261 461 461 461
65BULLETIN OF BANKING STATISTICS № 3 (106)
.tn
oC
10
02
20
02
20.
82
30.
13
40.
03
50.
13
60.
03
70.
13
80.
13
90.
03
01.
13
11.
03
21.
13
10.
13
20.
82
,lati
pac
desir
oht
ua
niek
atsn
gier
ofa
htiw
sn
oitutits
niti
der
C.
2.3
sn
oitcas
nart
gnik
na
btc
ud
noc
otd
esn
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31
43
14
31
33
13
31
33
13
31
03
19
21
82
15
21
72
16
21
:hci
hw
fo
sn
oitasi
na
gro
de
nw
o-n
gier
oft
necr
ep
00
1—
32
32
32
32
32
32
32
32
32
32
32
42
52
%0
01
ot0
5m
orfpi
hsre
nw
on
gier
ofhti
ws
noit
utitsni
tid
erc—
01
01
01
01
11
21
31
21
21
21
21
21
11
sn
oitutits
niti
derc
gnit
are
po
fol
atip
acd
eziro
htu
ad
eretsi
ge
R.
4)s
elb
urd
eta
nim
on
ed
ern
oillim(
77
6,7
12
95
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22
56
8,2
22
23
5,4
22
03
7,2
32
94
9,5
32
94
7,2
42
46
5,2
42
71
6,8
42
41
8,1
52
98
9,0
62
33
0,7
62
75
0,9
62
aissu
Rni
sn
oitutits
niti
derc
gnit
are
po
fo
se
hcn
arB
.5
43
7,3
97
6,3
83
6,3
50
6,3
65
5,3
91
5,3
48
4,3
35
4,3
93
4,3
23
4,3
33
4,3
55
4,3
45
4,3
:hci
hw
fo
se
hcn
arb
kn
abr
eb
S—
21
5,1
25
4,1
91
4,1
29
3,1
44
3,1
51
3,1
09
2,1
76
2,1
24
2,1
93
2,1
33
2,1
23
2,1
23
2,1
skn
ab
de
nw
o-n
gier
oft
necr
ep
00
1f
os
ehc
nar
b—
88
88
88
89
99
99
01
da
orb
as
noit
utitsni
tid
ercf
os
ehc
nar
B.
63
33
33
33
33
33
33
aissu
Rni
skn
ab
tn
edis
ern
on
fo
se
hcn
arB
.7
11
11
11
11
11
11
1
sn
oitutits
niti
derc
gnit
are
po
fo
seciff
oevit
atn
eser
pe
R.
82
09
11
91
28
18
71
97
14
81
08
13
81
57
17
71
87
15
71
67
1
:hci
hw
fo
aissu
Rni
—7
31
83
11
31
92
10
31
33
11
31
33
19
21
13
11
31
13
11
31
seirt
nu
ocSI
C-n
on
ni—
93
93
73
53
53
73
73
83
53
53
63
43
53
seirt
nu
ocSI
Cni
—4
14
14
14
14
14
12
12
11
11
11
10
10
1
.o
Nevit
alu
muc
—s
ecn
ecild
ekov
erhti
ws
noit
utitsni
tid
erC
.9
69
77
97
78
75
77
35
75
57
63
78
37
73
78
37
77
60
76
26
6
66BULLETIN OF BANKING STATISTICS № 3 (106)
dn
E
10
02
20
02
20.
82
30.
13
40.
03
50.
13
60.
03
70.
13
80.
13
90.
03
01.
13
11.
03
21.
13
10.
13
20.
82
.o
Nevit
alu
muc
—n
oita
diu
qilot
detc
ejb
uss
noit
utitsni
tid
erC
.0
18
57
56
76
57
74
74
27
62
71
17
21
71
17
41
73
56
74
62
46
miret
nid
etni
op
pa
tru
ochti
wpi
hsrevi
ecer
nis
noit
utitsni
tid
erC
.1
1.
oN
evital
um
uc—
se
etsurt
56
48
74
07
43
64
55
48
44
73
46
24
80
40
93
07
37
63
75
3
seitit
nel
ag
els
ad
eta
diu
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ad
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ger
sn
oitutits
niti
dercl
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21
sn
oitutits
nIti
der
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or
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etat
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08
81
88
39
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09
23
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39
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23
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:hci
hw
fo
rof
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over
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tid
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na
noit
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ab
fo
noit
aloiv
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35
25
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75
77
56
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89
51
06
10
64
66
47
62
86
noit
asin
agr
oer
otg
niw
od
eta
diu
qils
noit
utitsni
tid
erc—
05
31
53
15
31
53
15
31
53
15
32
53
25
32
53
35
33
53
45
3
:hci
hw
fo
re
gre
mot
gni
wo
det
adi
uqil
sn
oitutits
niti
derc
—0
00
00
00
00
00
0—
rev
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gni
wo
det
adi
uqil
sn
oitutits
niti
derc
—0
53
15
31
53
15
31
53
15
31
53
25
32
53
25
33
53
35
34
53
:hci
hw
fo
skn
ab
re
hto
fo
se
hcn
arb
otni
noit
asin
agr
oer
—8
13
91
39
13
91
39
13
91
39
13
91
39
13
91
30
23
02
31
23
)hc
nar
ba
gnit
aerc
tu
ohti
w(sk
na
br
eht
oy
br
evo
nek
at—
23
23
23
23
23
23
23
33
33
33
33
33
33
sisa
byr
atn
ulov
an
osr
entr
ap
yb
det
adi
uqil
sn
oitutits
niti
derc
—4
44
44
44
44
44
44
wal
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fo
noit
aloiv
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ote
ud
det
adi
uqil
sn
oitutits
niti
derc
—t
ne
mya
perl
atip
acd
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——
——
——
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11
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aissu
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am
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gni
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hw
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hT
67
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
2.1.4elbaT
latipaCdezirohtuAderetsigeRybdepuorGsnoitutitsnItiderC
nahtsseLselburnoillim3
noillim3morFselburnoillim01ot
noillim01morFselburnoillim03ot
noillim03morFselburnoillim06ot
noillim06morFselburnoillim051ot
noillim051morFselburnoillim003ot
selburnoillim003eromdna
latoT
rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmun erahs% rebmuN
0002
21.13 471 3.31 282 5.12 313 9.32 452 3.91 721 7.9 86 2.5 39 1.7 113,1
1002
10.13 471 2.31 572 9.02 213 7.32 152 1.91 921 8.9 47 6.5 99 6.7 413,1
20.82 071 9.21 072 5.02 213 7.32 252 1.91 531 2.01 87 9.5 201 7.7 913,1
30.13 561 5.21 062 7.91 713 1.42 452 3.91 631 3.01 28 2.6 401 9.7 813,1
40.03 361 4.21 652 5.91 513 9.32 452 3.91 831 5.01 58 5.6 501 0.8 613,1
50.13 451 6.11 952 6.91 713 0.42 852 5.91 041 6.01 88 7.6 601 0.8 223,1
60.03 051 3.11 452 2.91 613 9.32 652 4.91 441 9.01 09 8.6 211 5.8 223,1
70.13 441 9.01 842 8.81 613 9.32 552 3.91 151 4.11 29 0.7 611 8.8 223,1
80.13 931 5.01 542 5.81 313 7.32 452 2.91 451 6.11 29 0.7 521 5.9 223,1
90.03 431 1.01 632 9.71 813 42 .1 352 91 .1 461 4.21 39 0.7 421 4.9 223,1
01.13 231 1.01 032 4.71 023 2.42 452 2.91 261 3.21 59 2.7 721 6.9 023,1
11.03 231 0.01 812 5.61 223 4.42 552 3.91 661 6.21 69 3.7 031 9.9 913,1
21.13 821 7.9 812 5.61 713 0.42 552 3.91 171 0.31 79 4.7 331 1.01 913,1
2002
10.13 621 5.9 012 9.51 213 6.32 752 4.91 671 3.31 501 9.7 731 4.01 323,1
20.82 321 3.9 902 8.51 803 3.32 262 8.91 671 3.31 601 0.8 041 5.01 423,1
68BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 14
Chart 15
Structure of Registered Credit Institutions
0
20
40
60
80
100
31
.12
.19
98
28
.02
.19
99
30
.04
.19
99
30
.06
.19
99
31
.08
.19
99
31
.10
.19
99
31
.12
.19
99
29
.02
.20
00
30
.04
.20
00
30
.06
.20
00
31
.08
.20
00
31
.10
.20
00
31
.12
.20
00
28
.02
.20
01
30
.04
.20
01
30
.06
.20
01
31
.08
.20
01
31
.10
.20
01
31
.12
.20
01
28
.02
.20
02
% s
ha
re o
f a
ll cr
ed
it in
stitu
tion
s re
gis
tere
d b
y B
an
k o
f R
uss
ia
Nonbank credit institutions registered by Bank of Russia
Credit institutions with licence
Credit institutions whose licence was revoked for violations of banking legislation and Bank of Russia regulations
Credit Institutions Grouped by Registered Authorized Capital
0
10
20
30
40
50
60
70
80
90
100
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
.05
.19
99
30
.06
.19
99
31
.07
.19
99
31
.08
.19
99
30
.09
.19
99
31
.10
.19
99
30
.11
.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
.09
.20
00
31
.10
.20
00
30
.11
.20
00
31
.12
.20
00
31
.01
.20
01
28
.02
.20
01
31
.03
.20
01
30
.04
.20
01
31
.05
.20
01
30
.06
.20
01
31
.07
.20
01
31
.08
.20
01
30
.09
.20
01
31
.10
.20
01
30
.11
.20
01
31
.12
.20
01
31
.01
.20
02
28
.02
.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
69
BU
LL
ET
IN O
F B
AN
KIN
G S
TA
TIS
TIC
S №
3 (1
06
)
3.1.4elbaT
stessAybdepuorGecnamrofrePsnoitutitsnItiderCfosrotacidnIdetceleS)selburnoillim(
detatsesiwrehtosselnuselburnoillim,srotacidnI1002.10.13fosa)redrognidnecsedni(stessaybdepuorgsnoitutitsnitiderC
5—1 02—6 12 — 05 15 — 002 102 — 000,1 323,1—100,1 latoT
stinu,yrotirretFRehttuohguorhtsehcnarbfo.oN 133,1 962 814 216 447 18 554,3
dednetxestiderC 772,707 942,552 057,791 266,612 907,921 480,3 927,905,1
tbedgnidnatstuo:hcihwfo 783,12 823,11 955,2 850,6 214,2 78 238,34
snaoletaroproc— 497,565 435,102 715,941 941,261 757,79 289,1 337,871,1
tbedgnidnatstuo:hcihwfo 105,21 459,8 513,2 480,5 648,1 54 647,03
snaollanosrep— 478,24 694,31 781,5 543,61 048,51 529 766,49
tbedgnidnatstuo:hcihwfo 556 583 121 883 504 43 1, 889
sknabotdednetxestiderc— 5 ,7 495 92 , 312 83 , 772 82 , 252 21 , 119 041 661 , 883
tbedgnidnatstuo:hcihwfo ,7 085 1, 972 83 545 911 8 9, 965
seitirucestnemnrevognitnemtsevnI 62 ,5 738 63 , 532 91 , 290 71 , 009 11 , 727 791 053 , 989
sllibnitnemtsevnI 51 , 728 24 , 583 41 , 491 94 , 188 14 , 198 669 561 , 441
)sknabroftpecxe(snoitaroproctnediserfotseretniytiuqednaserahsnitnemtsevnI 31 , 734 51 , 141 4, 245 5, 909 357,1 17 04 , 358
sknabhtiwsdnufetaroproC 561 , 944 11 ,4 264 86 , 327 99 , 609 28 , 702 2, 671 235 , 229
sknabhtiwsdnufyrategduB 61 , 030 54 , 226 01 , 112 7, 850 831,4 58 38 , 441
stisopedlanosreP 345 , 412 45 , 085 82 , 915 74 , 408 14 , 684 398 617 , 694
tbedelbaitogeN 39 , 324 46 , 578 63 , 969 94 , 297 62 , 469 313 272 , 733
stessalatoT 1, 973 , 821 369,446 416,863 500,264 105,333 467,8 579,691,3
70BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 16
Chart 17
0
20
40
60
80
100
% s
ha
re o
f b
orr
ow
ing
s (f
rom
ma
jor
sou
rce
s)
1—5 6—20 21—50 51—200 201—1,000 1,001—1,323
Credit institutions grouped by assets
Comparative Data on Major Sources of Borrowing by Credit Institutions as of 31.01.2002
(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—1,323
Credit institutions grouped by assets
Comparative Data on Major Allocations of Funds by Credit Institutions as of 31.01.2002
(Based on Credit Institutions Grouped by Assets)
Investment in shares and equity interest of resident corporations (except banks)Investment in billsInvestment in government securitiesCredits extended to banks
Personal loansCorporate loans
71BULLETIN OF BANKING STATISTICS № 3 (106)
4.2
. B
orr
ow
ing
s
1.2.
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ba
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bur
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7,7
50
4,2
72BULLETIN OF BANKING STATISTICS № 3 (106)
dn
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2
73BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 18
Structure of personal deposits as of 31.01.2001
31.94%
0.07%
6.93%39.75%
7.37%
13.37%0.57%
demand deposits
up to 30 days
31 to 90 days
91 to 180 days
181 days to 1 year
1 year to 3 years
3 years and more
Structure of personal deposits as of 31.01.2002
23.02%
0.06%
5.09%
30.89%9.79%
30.51%
0.64%
demand deposits
up to 30 days
31 to 90 days
91 to 180 days
181 days to 1 year
1 year to 3 years
3 years and more
74
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yluJ 5.4 0.3 8.01 6.21 3.51 5.81 2.7 7.4 1.31 7.31 4.31 8.81
tsuguA 9.5 4.3 1.01 8.21 2.51 0.81 6.5 5.4 0.01 8.51 6.01 3.31
rebmetpeS 0.6 7.3 6.01 6.21 6.51 6.71 5.6 8.4 9.9 7.31 4.51 1.5
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2002
yraunaJ 6.5 7.2 0.11 7.21 4.51 6.31 8.8 5.6 1.21 8.21 3.21 1.23
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yraurbeF 7.2 9.0 9.6 0.7 0.7 2.8 4.4 4.4 8.4 3.8 0.7 0.5
hcraM 3.2 8.0 9.4 9.6 4.7 1.8 1.4 0.4 9.4 8.8 1.8 1.4
lirpA 6.2 8.0 3.5 8.6 7.7 8.5 8.3 8.3 9.4 1.7 4.3 2.7
yaM 4.2 8.0 9.4 9.6 3.7 1.8 5.3 2.3 9.3 8.6 5.8 7.6
enuJ 0.3 3.1 6.5 0.7 6.7 3.01 1.3 9.2 0.4 7.4 8.2 3.7
yluJ 0.3 2.1 5.4 0.7 5.8 4.8 3.3 1.3 8.3 8.5 1.5 4.8
tsuguA 0.3 2.1 6.4 9.6 3.7 2.8 0.3 9.2 3.3 9.6 4.5 3.9
rebmetpeS 2.3 3.1 4.5 0.7 5.7 3.8 8.2 6.2 2.4 1.4 9.2 5.7
rebotcO 0.3 1.1 8.4 8.6 5.7 4.8 0.2 9.1 6.2 6.6 6.4 8.8
rebmevoN 1.3 2.1 0.5 8.6 0.8 8.8 6.1 3.1 6.2 5.7 4.3 8.5
rebmeceD 1 9.2 1.1 2.3 1.4 3.8 — 1.2 1.1 2.2 0.7 9.7 —
2002
yraunaJ 2.3 1.1 4.5 9.6 8.7 6.8 4.1 1.1 8.3 5.6 2.4 7.5
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yraunaJ 7.8 6.8 8.9 5.31 2.31 7.71 8.6
1 .atadyranimilerP
77BULLETIN OF BANKING STATISTICS № 3 (106)
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yraurbeF 1.21 0.9 6.6 8.31 4.4 — — 6.9 0.22 — — — — 2.02 —
hcraM 5.6 3.21 7.8 9.21 9.2 — 0.71 8.01 3.32 9.71 — — — 1.12 —
lirpA 5.6 2.01 0.21 0.21 0.3 — 5.61 0.11 3.32 5.71 — — — 1.02 —
yaM 1.6 0.11 0.9 9.41 5.2 1.01 3.01 0.21 8.22 0.81 — — 9.81 — —
enuJ 5.01 6.01 3.31 8.91 6.1 0.61 0.81 7.71 6.51 9.71 — — 9.91 5.41 —
yluJ 9.6 3.01 6.31 0.61 3.3 — 0.01 1.31 2.61 9.71 — — 9.91 — 0.91
tsuguA 1.8 2.9 3.41 8.01 0.2 — 0.41 6.91 7.51 0.81 — 8.71 — — 4.02
rebmetpeS 1.9 5.01 4.51 0.91 4.1 — — 8.01 7.51 9.71 — 0.61 — — 3.12
rebotcO 5.7 1.11 3.41 0.41 5.2 0.01 8.41 6.21 9.41 0.71 0.41 — — — 9.92
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rebmeceD 1 2.9 6.01 2.41 7.21 8.9 0.7 4.01 0.81 7.61 — — — — 5.91 —
2002
yraunaJ 8.7 3.11 3.81 1.21 3.4 — — 2.31 8.31 4.71 — — — 7.12 7.12
1 .atadyranimilerP
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30.13 199,07 581,12 693,5 763,41 594,11 782,01 655,2 858 208,83 426,2 248 956,01 615,9 016,5 059,3 818,1
60.03 603,37 966,22 726,5 054,11 279,11 143,11 215,3 980,1 332,93 237,2 530,1 365,7 437,11 889,6 578,3 778,1
90.03 119,59 457,82 195,5 124,31 091,02 558,11 586,4 165,3 834,24 399,5 760,1 727,5 009,8 758,7 877,4 067,4
21.13 195,621 624,53 988,31 570,61 015,81 787,51 045,6 506,31 266,64 402,7 512,1 065,01 076,9 435,6 119,4 711,4
1002
10.13 794,211 227,03 585,5 989,41 556,71 783,51 175,7 716,31 172,24 504,6 357 167,7 626,8 560,7 277,4 173,4
20.82 316,621 442,03 353,6 172,72 934,71 157,51 943,8 209,31 994,54 172,6 165,1 673,9 862,9 980,8 907,4 437,4
30.13 325,821 716,23 604,6 287,51 690,51 201,02 626,8 166,31 523,94 074,6 740,1 973,7 150,31 832,8 304,4 604,4
40.03 977,811 407,92 734,6 488,81 648,61 665,61 950,9 519,41 276,05 349,6 048,1 048,9 893,21 931,9 438,4 990,4
50.13 895,311 627,03 433,6 595,51 334,61 748,21 002,9 171,61 344,15 272,8 858 114,8 344,31 783,9 551,5 706,4
60.03 575,811 678,03 808,6 262,61 980,81 855,41 791,9 675,61 268,25 850,9 135,1 819,6 589,11 124,11 441,5 401,5
70.13 828,221 725,13 968,5 116,71 807,81 063,61 849,9 800,71 424,65 816,6 008,1 543,8 975,51 925,21 377,4 199,4
80.13 647,531 461,73 784,6 874,61 911,12 525,81 469,11 573,71 675,75 740,7 631,2 860,8 995,71 669,01 358,3 900,5
90.03 905,731 556,63 296,8 053,41 046,12 382,91 135,31 704,71 636,48 226,9 329,2 970,21 479,32 021,02 107,8 120,5
01.13 922,641 114,63 007,7 514,91 694,02 423,02 268,71 463,81 177,38 814,11 947 434,41 728,02 220,02 216,8 272,5
11.03 570,441 738,43 373,7 024,71 859,81 560,12 351,91 917,81 691,78 580,61 935,1 147,21 878,91 976,02 498,8 490,5
21.13 1 564,151 303,63 677,11 355,81 191,91 722,02 528,81 826,91 404,78 052,81 571,1 183,11 619,21 487,72 706,8 985,5
2002
10.13 479,441 419,33 634,8 494,71 645,81 125,02 130,02 358,91 162,69 999,61 326,1 411,21 204,11 365,92 966,71 830,5
1 .atadyranimilerP
80BULLETIN OF BANKING STATISTICS № 3 (106)
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21.13 043,885 555,43 383,705 702,14 212,05 358,001 812,881 172,76 153,13 757,44 359,763 491,01 369,552 958,9 777,8 039,91 929,57 187,96 880,85 759,95
1002
10.13 061,895 094,04 193,205 836,82 712,94 124,49 796,991 944,56 338,13 746,35 787,373 071,01 908,452 465,3 071,8 229,12 162,47 624,47 439,85 308,86
20.82 998,526 700,84 803,325 178,13 240,54 795,59 193,312 875,86 183,33 197,25 441,383 175,01 233,262 035,5 339,9 143,32 181,67 896,27 211,95 576,86
30.13 352,166 782,94 974,935 992,36 522,04 515,29 775,422 813,27 151,63 831,07 752,604 258,01 685,862 695,7 482,11 287,32 895,87 050,27 801,06 004,48
40.03 001,886 708,15 396,565 397,76 624,54 212,79 906,242 986,36 059,73 592,86 926,714 995,21 139,072 737,7 219,21 873,52 134,18 917,57 346,55 390,98
50.13 779,727 315,36 118,775 383,96 832,34 699,79 275,942 530,76 500,83 914,38 765,324 419,21 215,472 338,5 584,01 869,72 397,48 561,57 473,55 423,09
60.03 638,957 887,85 873,416 215,87 508,64 838,101 639,162 383,17 751,14 116,18 592,124 315,31 241,082 048,4 485,01 475,72 897,09 442,57 293,55 883,18
70.13 188,387 270,16 847,036 678,08 473,54 493,111 686,162 090,77 821,14 301,78 365,354 655,41 960,192 474,6 817,21 888,03 073,29 005,77 284,55 135,001
80.13 556,138 019,56 244,176 576,68 037,74 045,121 997,272 530,48 020,54 246,98 868,934 797,41 508,003 034,6 331,11 080,33 280,001 362,08 797,35 264,57
90.03 276,488 954,96 324,527 178,59 544,05 120,631 855,392 257,88 208,54 130,58 839,734 710,51 653,903 857,7 357,01 338,33 229,99 581,68 489,35 718,46
01.13 974,109 757,37 717,137 726,501 952,25 499,331 417,882 097,09 430,64 921,19 837,254 649,51 713,123 648,9 320,21 067,93 650,101 057,78 821,45 205,56
11.03 041,449 905,87 566,177 397,221 434,07 782,731 027,682 177,29 657,54 759,88 658,374 921,71 717,933 460,51 678,71 012,24 824,601 250,98 038,25 220,86
21.13 1 046,279 644,87 021,228 655,161 892,29 457,431 736,662 178,711 881,63 651,86 948,494 702,61 233,963 878,31 201,62 614,14 288,801 711,311 671,15 377,16
2002
10.13 151,559 635,87 101,797 972,251 870,27 390,331 761,662 750,121 111,53 349,57 518,635 131,61 336,183 896,81 750,62 346,83 053,611 609,411 345,35 544,09
1 .atadyranimilerP
82BULLETIN OF BANKING STATISTICS № 3 (106)
Chart 19
Chart 20
Structure of Loans Extended by Credit Institutions in Ruble and Foreign Currency
0
200
400
600
800
1,000
1,200
1,400
1,600
31
.12
.19
98
31
.01
.19
99
28
.02
.19
99
31
.03
.19
99
30
.04
.19
99
31
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.19
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.19
99
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.07
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31
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30
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.19
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31
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.19
99
30
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.19
99
31
.12
.19
99
31
.01
.20
00
29
.02
.20
00
31
.03
.20
00
30
.04
.20
00
31
.05
.20
00
30
.06
.20
00
31
.07
.20
00
31
.08
.20
00
30
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.20
00
31
.10
.20
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30
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.20
00
31
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.20
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31
.01
.20
01
28
.02
.20
01
31
.03
.20
01
30
.04
.20
01
31
.05
.20
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30
.06
.20
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31
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.20
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31
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01
30
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31
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01
30
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.20
01
31
.12
.20
01
31
.01
.20
02
bill
ion
ru
ble
s
Personal loans in rublesCorporate loans in rublesLoans to banks in rubleLoans in foreign currency
Dynamics of Debt on Credits Extended
0
200
400
600
800
1,000
1,200
1,400
1,600
31
.12
.19
98
28
.02
.19
99
30
.04
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99
30
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31
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31
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31
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28
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01
30
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01
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01
31
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01
31
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01
31
.12
.20
01
bill
ion
ru
ble
s
— 50
— 40
— 30
— 20
— 10
0
10
20
%
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)
83
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rebmeceD 9.12 3.12 0.82 6.62 7.02 1.12 7.71 0.81 6.61 1.22 7.22 3.71 7.61 0.01
1002
yraunaJ 6.22 6.32 7.82 1.03 7.12 6.91 6.81 6.81 9.61 2.12 5.12 2.91 3.12 6.21
yraurbeF 3.22 0.72 1.72 6.62 8.91 6.02 0.91 1.91 0.71 4.02 8.22 4.12 1.91 5.81
hcraM 0.12 4.02 1.72 5.12 6.02 8.12 7.81 6.81 9.71 3.12 3.12 0.81 3.02 0.7
lirpA 4.22 7.91 5.72 3.62 4.22 6.12 2.02 6.71 8.51 2.02 7.12 8.71 3.12 0.9
yaM 4.22 0.42 6.42 4.02 5.22 0.22 2.91 1.81 1.61 5.02 8.12 7.91 3.81 5.31
enuJ 1.22 5.22 5.62 8.02 6.12 2.32 5.91 0.81 0.61 7.91 5.22 3.02 1.02 5.21
yluJ 8.12 5.12 8.52 4.12 4.32 7.22 9.41 7.81 6.61 6.02 2.22 2.02 3.12 3.21
tsuguA 6.32 3.32 5.12 7.72 4.22 5.02 3.91 2.81 7.61 4.12 8.02 9.71 9.81 0.81
rebmetpeS 3.02 0.22 2.02 9.62 5.61 1.22 3.91 3.71 5.51 5.02 1.02 2.71 5.91 7.11
rebotcO 9.22 1.32 0.42 5,42 1.32 4.02 3.91 1.71 4.51 9.91 2.02 8.02 6.31 4.21
rebmevoN 3.22 0.12 7.12 5.52 6.42 1.22 1.91 1.71 0.51 7.91 4.22 4.71 5.02 4.81
rebmeceD 1 3.22 9.02 1.32 0.62 7.32 0.22 4.81 5.61 9.51 2.81 2.81 7.71 4.81 2.12
2002
yraunaJ 4.12 3.22 3.22 4.02 3.22 6.91 9.81 1.81 6.51 5.02 5.12 3.91 1.61 7.31
1 .atadyranimilerP
84
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rebmeceD 2.21 1.11 6.61 3.71 6.61 6.41 7.11 9.11 5.01 7.21 0.31 8.31 9.11 6.31
1002
yraunaJ 0.31 9.21 6.61 5.81 6.51 8.01 5.21 5.11 8.9 8.11 7.21 8.21 5.31 9.21
yraurbeF 0.11 0.01 4.51 6.81 5.61 5.31 9.31 6.51 0.9 5.71 7.61 1.61 6.41 7.01
hcraM 8.11 8.01 1.71 0.91 5.61 1.21 7.21 9.11 9.01 3.11 8.21 7.31 2.11 4.8
lirpA 6.01 7.9 3.61 2.81 2.71 0.51 4.21 7.11 2.01 1.21 7.21 4.21 4.31 2.01
yaM 7.01 7.9 1.61 7.81 9.51 7.11 7.31 7.11 6.01 1.21 4.31 2.21 3.21 0.9
enuJ 7.01 8.9 7.51 7.71 0.61 7.41 9.21 0.01 2.9 0.11 2.21 3.8 3.31 9.01
yluJ 3.01 6.9 7.61 0.61 0.41 3.51 5.31 4.11 5.9 5.21 8.21 3.11 7.31 6.31
tsuguA 8.01 2.01 0.71 9.51 3.61 2.51 7.21 0.21 9.01 4.21 7.21 2.21 1.31 3.11
rebmetpeS 8.01 8.9 3.31 9.61 5.51 0.61 8.31 4.11 0.01 6.01 8.21 4.21 7.31 2.9
rebotcO 2.11 7.9 6.81 9.71 3.61 7.51 8.31 3.11 5.9 8.01 9.21 1.31 0.31 9.8
rebmevoN 3.31 8.9 9.62 0.61 9.11 7.31 8.31 1.11 6.9 2.21 9.11 7.11 0.31 9.9
rebmeceD 1 9.01 0.01 4.61 3.71 1.51 6.41 6.31 3.01 2.8 5.01 4.11 9.11 0.11 1.5
2002
yraunaJ 0.41 2.11 8.02 7.91 3.51 2.41 5.41 1.01 6.8 4.01 8.11 8.11 8.11 0.6
1 .atadyranimilerP
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rebmeceD 9.7 9.7 8.7 1.9 4.6 7.01 0.01 7.8 8.6 8.6 5.8 9.6 2.7 6.7 —
1002
yraunaJ 8.5 8.5 0.6 1.8 5.9 1.3 7.01 8.8 0.6 0.6 7.6 1.6 2.1 1.6 —
yraurbeF 1.11 1.11 9.21 1.21 5.61 6.9 1.81 9.8 5.5 5.5 2.6 6.9 4.8 4.2 —
hcraM 0.8 0.8 7.7 5.8 7.51 1.4 1.6 9.6 3.5 3.5 9.5 9.5 0.4 1.11 —
lirpA 5.8 5.8 0.8 3.01 1.51 2.7 7.61 4.9 8.4 8.4 1.5 2.8 3.4 0.9 0.4
yaM 7.6 7.6 9.6 6.01 9.41 9.11 2.51 8.9 1.4 1.4 8.5 7.4 8.5 5.21 7.8
enuJ 6.11 6.11 3.21 0.9 2.8 7.8 8.8 3.01 9.3 9.3 1.5 8.4 9.9 6.7 3.3
yluJ 2.6 0.6 3.6 4.01 5.41 6.9 4.11 7.5 7.3 7.3 5.4 5.7 9.9 0.11 3.6
tsuguA 1.7 0.7 5.7 1.01 3.51 8.02 8.71 — 6.3 6.3 1.4 2.8 6.21 4.8 —
rebmetpeS 0.8 0.8 2.7 5.7 3.02 1.12 5.51 — 0.3 0.3 9.3 0.3 0.5 7.11 —
rebotcO 2.7 1.7 5.7 9.9 1.91 0.91 5.9 — 6.2 5.2 2.4 8.5 2.5 0.4 —
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10.13 877,873 989,053 446,2 735,8 920,1 173,1 5 008,5 0 080,21 48
87BULLETIN OF BANKING STATISTICS № 3 (106)
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yraunaJ 3.11 0.01 4.11 3.21 2.7 0.92 9.91 0.02 9.02 6.71 4.81 6,01
90BULLETIN OF BANKING STATISTICS № 3 (106)
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92BULLETIN OF BANKING STATISTICS № 3 (106)
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97,
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65
6,3
52
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9,4
43
1,8
71
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39
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9,5
93BULLETIN OF BANKING STATISTICS № 3 (106)
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94BULLETIN OF BANKING STATISTICS № 3 (106)
Table 1.1Macroeconomic Indicators
General Provisions
The “Macroeconomic Indicators” table containsmajor (indicative) indicators characterizing thecountry’s macroeconomic situation.
Individual Indicators Highlights
Gross domestic product (GDP) — end resultof resident producers’ economic operations for thereporting period.
The GDP can be calculated on the basis of threemethods: production method, end use method, andincome distribution method.
The table presents GDP calculated by produc-tion method as a difference between overall outputof goods and services across the country, on the onehand, and intermediate consumption, on the other,or as a sum total of values added that are created bythe economy.
Depending on the research area, GDP can bealso calculated by end use method as a sum total ofcosts across all economic sectors for final consump-tion, gross capital formation, and net export. Theframework for SNA calculations implies the use ofincome distribution method for compiling GDP whichreflects primary income received by units directlyinvolved in production, as well as by general govern-ment (spending units) and nonprofit organizationsserving households.
Pursuant to Procedures for developing and sub-mitting data on the gross domestic product (ap-proved on 19 October 1998), since October 1998GDP has been calculated by Goskomstat with anannual and quarterly frequency.
Collecting more reliable data and applying newinformation sources can entail updates of GDP’scurrent statistical estimates.
GDP estimates and final results of its calculationsare released by Goskomstat in due course inGoskomstat’s regular reports “Russia’s Socio—Eco-nomic Situation”, “Statistical Review” Bulletin, otherpublications, as well as in the IMF statistical publica-tion “International Financial Statistics”.
For more details on the compilation of the “GrossDomestic Product” indicator see the first issue of“Methodological Provisions on Statistics” (Moscow:Logos, 1996).
Percentage GDP against the previous year’srelevant period is calculated by the RF Committeeon Statistics (Goskomstat of Russia) in comparableprices for the previous year.
Percentage output of basic industries’ pro-duction and services to the previous year’s rel-evant period — since October 1998 is calculated by
Goskomstat on the monthly basis for measuringmajor economic development tendencies as the in-dex of production output change by five basic indus-tries (manufacturing, agriculture, construction,transport, trade, and public catering) covering ap-proximately 70% of an overall production and ser-vices output across Russia.
The Federal budget deficit to gross domesticproduct percentage is calculated by the CBR as apercentage ratio of the federal budget deficit to thegross domestic product for a corresponding period.
Sources for calculating the said indicator areGoskomstat’s data on gross domestic product andthe RF Finance Ministry report data on the federalbudget performance.
Consumer price index (CPI) — one of the mostimportant indicators characterizing inflation rate.CPI reflects a change in time of the overall level ofprices of goods and services purchased by house-holds for nonproduction use. This index is calcu-lated by Goskomstat as a ratio of cost for a fixed setof goods and services in the current period to its costin the previous (base) period.
CPI monthly data are released in Goskomstat’sregular reports “Russia’s Socio—Economic Situa-tion”, “Statistical Review” Bulletin, other publica-tions by Goskomstat, as well as in the IMF “Interna-tional Financial Statistics”.
For more details on compiling this indicator seethe first issue of “Methodological Provisions on Sta-tistics” (Moscow: Logos, 1996).
Table 1.2Individual Indicators Featuring
the Fiscal Sphere
General Provisions
The “Individual Indicators Featuring the FiscalSphere” table comprises information on accumu-lated financial resources and expenditures made inthe Russian Federation budgetary sphere, and alsoshows apportionment of the consolidated budgetaryrevenues and expenditures between the revenuesand expenditures of the federal budget and consoli-dated regional budgets in the Russian Federation.
The table’s structure has been developed on thebasis of the Russian Federation budgetary classifi-cation.
Individual Indicators Highlights
Budgetary revenues — money received on anirrevocable basis as grants in compliance with theRussian Federation laws to the discretion of theRussian Federation government authorities, gov-
Section 1. Major Macroeconomic and Monetary Indicators
5. SUMMARY METHODOLOGY
95BULLETIN OF BANKING STATISTICS № 3 (106)
ernment authorities in the Russian Federation mem-ber territories, and local governments. Budget rev-enues are formed through tax and nontax receipts,and grants.
Tax receipts — incorporate federal, regional, andlocal taxes and fees as well as fines and penaltiesenvisaged by the Russian Federation tax law.
Nontax revenues include: revenues from the useof government or municipal property; revenues fromselling or any other revocable divestiture of govern-ment or municipal property; receipts from paid ser-vices rendered by relevant government authorities,by local authorities, and by spending units reportingrespectively to federal executive authorities, to theRussian Federation member territories, local au-thorities, funds received as a result of the enforce-ment of civil-law and administrative penalties andcriminal persecution, including confiscation and re-dress, and also funds received as compensation forthe damage done to the Russian Federation and itsconstituent territories and municipalities and otherconfiscated funds; revenues in the form of financialaid and budgetary loans received from the budgetsof other levels of the Russian budgetary system;other tax revenues.
Budgetary expenditures — funds transferredto finance the government and local authorities’purposes and functions.
Budget deficit/surplus — excess of budgetaryexpenditures over its revenues/excess of budgetaryrevenues over its expenditures.
Indicators in this table are calculated on a monthlybasis by the Russian Federation Finance Ministry.
More detailed information on the federal budgetdeficit is released in the “Sources of Funding theFederal Budget Deficit” table.
Table 1.3Sources of Funding the Federal
Budget Deficit
General Provisions
The “Sources of Funding the Federal BudgetDeficit” table shows amounts and a breakdown ofsources for funding the federal budget deficit on acash basis (raising funds — repaying the principaldebt).
The table incorporates major sources of cover-ing the federal budget deficit. Their grouping was
based on the budgetary classification approved byfederal law.
All indicators in the table are calculated by theRussian Federation Finance Ministry on a monthlybasis.
Table 1.4The Russian Federation
Balance of Payments
General Provisions
Balance of payments of the Russian Federation(thereafter referred to as balance of payments) is astatistical statement, which reflects all economictransactions between the Russian Federation resi-dents and non-residents1 within a reporting period.
The table “Russian Federation Balance of Pay-ments” is compiled and published by the CBR on aquarterly basis.
Balance of payments data are one of the majorinstruments used for elaborating the country’s mac-roeconomic policies, namely: foreign trade policy,foreign exchange regulation and control, exchangerate policy.
Balance of payments is compiled by the CBRbased on the Law “On the Central Bank of the Rus-sian Federation (Bank of Russia)” dated 26 April1995 and the Russian Federation Government Or-der No. 849 dated 18 July 1994. The InternationalMonetary Fund’s fifth edition of the “Balance of Pay-ments Manual” serves as a methodological basis forthe balance of payments.
Information sources comprise reported data andestimates on all foreign economic transactions madeby Russian residents. These data are regulary ob-tained by the CBR from the Russia’s Finance Minis-try (Minfin); State Customs Committee (SCC); StateStatistics Committee (Goskomstat); Federation,National & Migration Policies Ministry (Minfedera-tion); Federal Border Patrol Service, Defense Minis-try; Emergencies Ministry, as well as from creditinstitutions and nonfinancial institutions.
A specific list of report forms applied when com-piling the balance of payments and other informationis given in special issues of the “Bank of Russia Bulle-tin” that contain more detailed data on the balance ofpayments as of the reporting period and methodol-ogy for compilation (e.g., see “Bank of Russia Bulle-tin” No. 24—25 (452—453) dated 15.05.2000).
1 Economic transaction is defined as an economic flow that reflects the creation, transformation, exchange, transfer or extinctionof economic value and involves changes in ownership of goods and/or financial assets, or the provision of labour and capital.Residents of a country incorporate all the institutional units, whose center of economic interest is located within the economicterritory. All the other institutional units are regarded as non-residents.Institutional unit is an economic unit, which can own assets, assume liabilities, implement entire spectrum of economic transactionsfrom its behalf. Treated as such units are individuals and legal entities, enterprises and organisations.The economic territory of a country consists of the geographic territory (including free zones) administered by a government; withinthis territory, persons, goods and capital circulate freely.An institutional unit has a center of economic interest within the country’s economic territory, on which the unit engages and intendsto continue engaging in economic activities and transactions on a significant scale.
96BULLETIN OF BANKING STATISTICS № 3 (106)
The table published in the “Bulletin of BankingStatistics” is an analytical presentation of the bal-ance of payments. In contrast with neutral presenta-tion prescribed by international standards, the ana-lytical presentation makes it possible to encompassthe economy’s specifics and to group data in such away that provides the best coverage of the mostsignificant transactions (in particular, based on thebalance of payments’ financial account it is possibleto track, firstly, total financial resources contractedfrom non-residents which is treated as net incre-ment in total foreign liabilities or investments into theRussian economy, and secondly, net increment inRussian residents’ foreign assets, or net capital flightabroad; classification of assets and liabilities by theRussian economic sector helps assess implicationsof a particular sector’s transactions for the country’sbalance of payments, etc.).
Balance of payments data as of previous yearsare subject to revision mainly because of the primarydata base updates (e.g., the SCC makes quarterlyupdates of its previously released data). These revi-sions are also attributable to the emergence of newinformation sources and improvements in method-ologies for calculating individual indicators. Such anapproach guarantees to all users of balance of pay-ments statistics an access to the most complete setof data that meets a comparability criterion.
Balance of payments data as of the reportingperiod are placed on the CBR Internet web site andare published in the “Bank of Russia Bulletin”,“Vestnik Banka Rossii”, in mass media (“RossiyskayaGazeta”, etc.), and in the IMF’s “International Finan-cial Statistics” and “Balance of Payments StatisticsYearbook”.
Individual Indicators Highlights
1. Current account includes transactions withgoods, services, income, and current transfers.
1.1. Goods. Recorded in this item is cost ofgoods, ownership of which was transferred within areporting period from residents to non-residents(export) and from non-residents to residents (im-port) between residents and non-residents. Apartfrom export and import of goods registered by StateCustoms Committee (SCC), the item involves thefollowing transactions in commodity exports andimports unregistered by SCC: exports/imports ofgoods sold (acquired) without crossing the frontier;exports of goods procured by in ports by carriers;transferred for repairs; exported/imported by mi-grants; undeclared and/or inadequately declaredwhen imported by legal entities; exported/importedby individuals for the subsequent selling; othergoods.
Exports and imports are given in FOB prices (FOBis the term for selling goods which implies that theprice of goods includes its cost as well as its freightand delivery costs on board the ship in the port ofdeparture).
1.2. Services — Services performed by resi-dents for non-residents (export) and by non-resi-dents for residents (import), namely: — transporta-tion, travel, communications, construction, finan-cial services, insurance services, computer and in-formation services, royalties and license fees, finan-cial leasing and other services.
1.3. Investment income and compensationof employees balance — Income on productionfactors (labour, capital) provided by residents tonon-residents and vice versa.
The item “compensation of employees” showsremuneration to employees paid by and compensa-tion paid by residents to non-residents employed inthe Russian economy.
Recorded in the item “Investment income” areincomes derived from a resident’s ownership of for-eign financial assets, i.e. receipts paid by non-resi-dents to residents on holdings of foreign assets(interest, dividends and other similar types of in-come) and vice versa.
1.4. Current transfers. A transfer is an eco-nomic transaction resulting in provision of a com-modity, service, asset and ownership accomplishedby one institutional unit for another without any coun-terparts of a commodity, service, asset and owner-ship being received in return. Transfers are subdi-vided into current transfers and capital transfers.The transfers that can’t be regarded as capital inaccordance with the definition are treated as currenttransfers (for definition of capital transfers see para-graph 2.1.1). Recorded as current transfers are thoseaugmenting disposable income and potential powerof a recipient country’s consumption and reducingdisposable income of a donor country’s (e.g., hu-manitarian aid in form of consumer goods and ser-vices).
2. Capital and financial account includes twomajor categories: capital account and financial ac-count.
2.1. Capital account reflects capital transfers.2.1.1. Capital transfers — Result in changes in
volume of recipient and donor’s assets and liabili-ties, (e.g., provision of ownership fixed capital, debtforgiveness without a quid pro quo, debt forgive-ness). A provision of funds is treated as a capitaltransfer only in case the funds are assigned foracquisition of fixed assets, and capital construction.Another feature of capital transfers is their signifi-cant volume and irregular character.
2.2. Financial account. Recorded under thiscategory are transactions in assets and liabilitiesaccomplished by residents vis-а-vis non-residents.Assets and liabilities are classified functionally. Itemsincluded here are direct investment, portfolio in-vestment, other investment, and reserve assets.
2.2.1. Direct investment — is the category ofinternational investment that is performed by a resi-dent entity of one economy for the purpose of ob-taining a lasting interest in an enterprise resident in
97BULLETIN OF BANKING STATISTICS № 3 (106)
another economy. The lasting interest implies theexistence of a long-term relationship between thedirect investor and the enterprise, and a significantdegree of influence by the investor on the manage-ment of the enterprise. Direct investment comprisesnot only the initial transaction establishing the rela-tionship between the investor and the enterprise butalso all subsequent transactions between them. Ac-cording to the internationally approved definition ofdirect investment developed by the OECD, investedcapital can be regarded as direct investment when adirect investor owns 10 percent or more of the ordi-nary shares of an enterprise.
2.2.2. Portfolio investment. Portfolio invest-ment includes, in addition to equity securities anddebt securities in the form of bonds and notes, moneymarket instruments and financial derivatives. Ex-cluded are aforementioned instruments included inthe categories of direct investment and reserve as-sets.
2.2.3. Other investment. All financial transac-tions not covered in direct investment, portfolio in-vestment, and reserve assets, are classified under“other investment” item. Assets and liabilities forother investment are classified primarily on an in-strument basis: currency and deposits; trade cred-its; loans; arrears; other assets and liabilities.
2.2.4. Reserve assets comprise monetary goldand liquid foreign assets of the Bank of Russia andGovernment of the Russian Federation. They in-clude cash foreign exchange, correspondent ac-count balances, current accounts and short-termdeposits with non-resident banks (and also with resi-dent banks up to the 3rd quarter of 1999), liquidsecurities issued by foreign governments, assetswith the IMF (Special drawing rights (SDRs), reserveposition in the Fund) and other liquid assets.
2.2.5. The adjustment to reserve assets. Theitem “Adjustment to reserve assets” was introducedfor the purpose of reconciliation of balance of pay-ments and international investment position datathat are prepared in accordance with the 5th Editionof IMF’s Balance of Payments Manual, on the onehand, and international reserves data, which havenational peculiarities, on the other. The methodol-ogy of compilation of official reserves statistics hasthe following differences from the one contained inthe Manual:— up to the 3rd quarter, 1999 short-term foreign
currency deposits in resident banks were in-cluded in the international reserves;
— started from the 3rd quarter, 1999 reserve assetsare determined net of counterpart of foreign ex-change funds placed on the resident banks’ ac-counts with the Bank of Russia (excluding fundsextended by the Bank of Russia for the servicingof official foreign debt).2.3. Net errors and omissions. Labeled by
some compilers as balancing item or statistical dis-
crepancy, this item is intended as an offset to theoverstatement or understatement of the compo-nents recorded in the balance of payments.
Table 1.5External Debt of the Russian Federation
(According to International Methodology)
The methodological commentary to the giventable will be presented in the following issue of theBulletin of banking statistics.
Table 1.6The Russian Federation Banking Sector’s
International Investment Position
General Provisions
IInternational investment position (IIP) is a statis-tical statement which contains data on a country’sforeign assets and liabilities at the beginning or endof reporting period and also all other changes thatoccurred within the reporting period as a result oftransactions, changes due to revaluation and otherchanges.
The CBR is currently compiling the Russia’s Bank-ing Sector International Investment Position whichcomprises the Bank of Russia and credit institutions,including Vnesheconombank (net of the assets andliabilities managed by VEB as an agent of the Gov-ernment of Russia).
Data sources used for IIP compilation are asfollows: CBR accounting and operational data; in-formation on foreign transactions collected fromauthorised credit institutions and VEB. In addition,the reserve assets comprise assets of the Minfinused by the latter to implement the monetary au-thority functions.
Methodological basis for IIP compilation is the 5th
Edition of the IMF’s Balance of Payments Manual(1993).
Information provided by the banking sector’sinternational investment position has significant im-portance in analyzing stability of the economy’sexternal sector and state of the economy on thewhole.
“Assets” section of the table contains data on theamount of foreign claims held by the banking sectorof Russia at the beginning or end of reporting period,composition of the foreign claims and level of theirliquidity. Based on the data available, it is possible toidentify the factors that caused changes in assetsduring the reporting period.
One of the most important components of for-eign assets are official international reserves whichconstitute short-term highly-liquid foreign assets ofthe CBR and MOF. Reserve assets are used to main-
98BULLETIN OF BANKING STATISTICS № 3 (106)
tain steadiness of national currency and service thegovernment debt to non-residents.
Consequently, data contained in the “Liabilities”section make it possible to evaluate size of the for-eign liabilities which the banking sector accumu-lated at the beginning or end of reporting period,and composition of those liabilities. Besides, data inthis section reveal major motives, due to whichchanges in liabilities occurred within the reportingperiod.
Depending on whether the net banking sector’sinternational investment position is positive or nega-tive, this sector can be regarded as a “net creditor”or “net debtor” vis-а-vis non-residents.
Individual Indicators Highlights
Foreign assets and liabilities of the banking sec-tor at a specific date are the major classificationgroupings presented in rows of the table, which incase of being netted result in the net internationalinvestment position. The components singled out inthe table’s rows are identical to those in the financialaccount of balance of payments, namely direct in-vestment, portfolio investment, other investment,reserve assets and adjustment to reserve assets.More detailed information on those components isgiven in the comment to Table 1.4.
Columns of the table reflect Russian residents’foreign assets/liabilities at the beginning or end ofreporting period; it also contains information onchanges in foreign assets/liabilities in the break-down specified below.
Changes due to transactions — only those netchanges in foreign assets/liabilities of the bankingsector of Russia can be recorded here which tookplace due to transactions in these assets/liabilities.Those transactions are reflected in the financial ac-count of Russia’s balance of payments.
Changes due to revaluation and otherchanges reflect changes (on a net basis), which arenot regarded as transactions and, therefore, ex-cluded from the balance of payments of Russia.Changes due to revaluation cover net changes inassets/liabilities that result from exchange rate andprice changes, besides, other changes include allother changes in assets/liabilities (on a net basis)caused by reclassification (e.g., a transition fromportfolio investment to direct investment followingan increase of investor’s share in the equity capitalof an enterprise); unilateral write-offs of debts by acreditor; write-offs as a result of reconciliation; otherchanges (e.g., among included here are assets andliabilities of credit institutions of Russia, whose li-cences to carry out banking activities were revokedwithin a reporting period).
Total changes — aggregate sum of net changesin assets/liabilities due to transactions, revaluationand other changes.
Table 1.7The Russian Federation Merchandise
Trade (Based on the Balance of PaymentsMethodology)
General Provisions
“The Russian Federation Merchandise Trade”includes monthly data on merchandise trade of theRussian Federation broken down by the Common-wealth of Independent States (CIS) and other coun-tries. Data are in millions of U.S. dollars and valued atf.o.b. prices (definition of f.o.b. price is provided incommentary for “Goods” in “Balance of Payments”section).
Data of “The Russian Federation MerchandiseTrade” are included in current account of balance ofpayments and are compiled in accordance with themethodological principles of the 5th edition of theIMF’s Balance of Payments Manual.
Sources of information for merchandise tradedata are the following:— data on goods recorded by the Russian Federa-
tion State Customs Committee (SCC);— data on goods unrecorded by SCC and provided
by the State Committee of the Russian Federa-tion on Statistics (Goscomstat of Russia);
— administrative information of the Ministry on theAffaires of Federation, Nationalities and Migra-tion Policy of the Russian Federation used formigrants effects estimation;
— partner country data on selected items.Data on merchandise trade are published in
Vestnik Banka Rossii and located on the CBR Internetweb site.
Individual Indicators Highlights
Exports of Goods (balance of payments meth-odology) — merchandise shipped out of the cus-toms territory of the Russian Federation recorded bySCC in accordance with the general system. Also,goods not registered by SCC: goods sold to nonresi-dents without crossing Russia‘s customs border;goods procured by foreign carriers in Russian ports;goods taken out by migrants; goods taken out byindividuals for sale abroad; and other goods.
Imports of Goods (balance of payments meth-odology) — goods brought into the country and re-corded by SCC in accordance with the general sys-tem; goods not registered by SCC: goods acquiredfrom nonresidents without crossing Russia‘s cus-toms border; goods procured by Russian carriers inforeign ports; goods brought in by migrants; goodspurchased by individuals abroad for sale in Russia;goods undeclared and/or inadequately declaredwhen imported by legal entities; and other goods.
Trade balance is defined as difference betweenexports and imports.
99BULLETIN OF BANKING STATISTICS № 3 (106)
Table 1.8Gross International Reserves
General Provisions
International reserves include highly liquid finan-cial assets held by the Bank of Russia and the Minfinof Russia (MOF) and readily available for direct fi-nancing of Russia’s payments imbalances.
International reserves are calculated on the ba-sis of the CBR accounting and operational informa-tion, and data obtained from the MOF.
When developing international reserves data, theCBR is guided by the definition of gold and forexgross reserves which largely complies with the defi-nition of this category available in the IMF “Balanceof Payments Manual” fifth edition.
Data on international reserves are published on aregular basis in the weekly “Bank of Russia Bulletin”,the IMF statistical publication “International FinancialStatistics”, as well as are placed on the CBR Internetweb site (published are monthly and weekly data onthe international reserves of the Russian Federation).
Individual Indicators Highlights
The international reserves comprise monetarygold, special drawing rights (SDRs), reserve posi-tion in the IMF, and foreign exchange.
Monetary gold is valued at US$300 per Troyounce. Gold placed on unallocated “metal” accountsis covered by the category “foreign exchange”.
SDRs are international reserve assets issued bythe IMF with a view to replenish reserve assets.
The reserve position in the IMF reflects anamount by which Russia’s quota with the IMF ex-ceeds the IMF ruble denominated assets.
The foreign exchange includes foreign currencyassets of the Bank of Russia and Minfin of Russia inthe form of currency, reverse repos with non-resi-dents, bank deposits with non-resident banks (withminimum rating A by Fitch IBCA and Standard andPoor’s or A2 by Moody’s) as well as government andother securities issued by non-residents with the simi-lar rating. From September 1, 1999 an amount equiva-lent to the foreign exchange balances in residentbanks’ correspondent accounts with the Bank of Rus-sia is deducted from the assets listed above, exceptfor funds intended for servicing the government for-eign debt and allotted to Vneshekonombank by theBank of Russia.
Analytical Accountsof Monetary Authorities,
Analytical Accounts of Credit Institutionsand Monetary Survey Tables
The tables entitled “Analytical Accounts of Mon-etary Authorities”, “Analytical Accounts of Credit In-
stitutions”, and “Monetary Survey” represent ag-gregate indicators featuring the economy’s mon-etary sphere.Methodological basis for constructingthe above indicated tables is a monetary surveyscheme developed by the IMF as a standard analyti-cal presentation of monetary statistics data. Thisscheme stipulates the compilation of major mon-etary aggregates based on accounting records ontransactions and reserves of the CBR, the RF Fi-nance Ministry, and credit institutions in such a waythat enables to represent monetary liabilities of thespecified organizations, on the one hand, and theirclaims on Russian enterprises, organizations andhouseholds, and the external world, on the other.Such data presentation is used for analyzing moneysupply and its profile as well as relationships be-tween monetary authorities and other sectors of theRussian economy and nonresidents.
Within the term set by the IMF Special Data Dis-semination Standard the CBR Internet web site pub-lishes preliminary data on major indicators from “Ana-lytical Accounts of Monetary Authorities” and “Mon-etary Survey”. Some elements of these are esti-mate—based. Within the quarter (for December datawithin half a year) data can be updated. Final dataare released in the “Bulletin of Banking Statistics”and the IMF statistical publication “International Fi-nancial Statistics”.
Table 1.9Analytical Accounts
of Monetary Authorities
General Provisions
The Bank of Russia’s monthly aggregate bal-ance sheet and the RF Finance Ministry’s flash datareflecting transactions on managing the RussianFederation international reserves are sources of in-formation for compiling the “Analytical Accounts ofMonetary Authorities” table.
Individual Indicators Highlights
Foreign assets — the Russian Federation in-ternational reserves (see their content in commentsto the “Gross International Reserves” table) andless liquid, nonreserve assets. Nonreserve assetsin this table comprise the Bank of Russia’s all otherassets placed with nonresidents1, namely, assetsdenominated in currency with limited conversionpotential and in the Russian Federation currency,and also long—term credits and deposits in con-vertible currency, and nonresident banks’ equityinterest.
Claims on general government — loans ex-tended to the RF Finance Ministry (Minfin), the RFgovernment’s securities bought by the CBR, except
1 Definitions of nonresidents and residents for this table and for the “Analytical Accounts of Credit Institutions” and “Monetary Survey”tables correspond to similar definitions in the balance of payments statistics — see comments to the “The Russian Federation Balanceof Payments” table.
100BULLETIN OF BANKING STATISTICS № 3 (106)
for securities transferred to the CBR by credit insti-tutions on REPO1 terms. In compliance with interna-tional standards on analytical presentation of mon-etary authorities’ statistics, this indicator incorpo-rates the IMF loans extended to Minfin.
Claims on nonfinancial public enterprises —credits (including outstanding debt), outstandinginterest on credits extended to nonfinancial govern-ment enterprises2.
Claims on nonfinancial private enterprisesand households — credits (including outstandingdebt), outstanding interest on credits extended tononfinancial nongovernment enterprises, self—em-ployed individuals, and households as well as theBank of Russia’s deposits into securities of privatesector enterprises.
Claims on credit institutions — credit institu-tions’ arrears to the CBR (including loans extendedto banks with revoked licenses and overdue intereston them) and funds extended to credit institutionson REPO terms.
Reserve money — cash issued by the CBR (ex-cluding cash in its vaults), balances on requiredreserves’ accounts deposited by credit institutionswith the CBR, on corresponding accounts, and othercash balances on accounts of credit institutions (in-cluding banks with revoked licenses) with the CBR,credit institutions deposits in the CBR bonds, as wellas demand deposits of nonfinancial enterprises andorganizations serviced in the CBR in compliancewith the effective law.
Money outside banks — cash issued by theCBR excluding cash available in the CBR’s and creditinstitutions’ cash offices.
Time deposits and deposits in foreign cur-rency — time deposits in the Russian Federationcurrency and all deposits in foreign currency of non-financial enterprises and organizations serviced bythe CBR in compliance with the effective law.
Foreign liabilities include all types of borrow-ings by the CBR from nonresidents (credits, depos-its, nonresident banks’ correspondent accounts withthe CBR, etc.) as well as IMF loans extended toMinfin and the CBR.
General government’s deposits — balanceson accounts of the federal budget, the Russian Fed-eration member—territories’ budgets and local bud-gets, deposits and other funds contracted fromMinfin, fiscal authorities in the Russian Federationmember—territories and local authorities, govern-ment extrabudgetary funds and extrabudgetaryfunds of the Russian Federation member—territo-ries and local authorities. Apart from these items,the indicator includes a balancing entry equaling asum total of international reserves administered byMinfin.
Capital accounts include the CBR’s authorizedcapital, supplementary capital, its reserve and otherfunds, and Bank of Russia losses in previous years.
Other items (net) — assets and liabilities bal-ances excluded from the above mentioned aggre-gates that feature transactions in maintaining theCBR operations (fixed assets items, cost of eco-nomic operations, settlements with organizationsaffiliated with the CBR), as well as interbranch settle-ments balance, deferred revenues and expendi-ture, and some other items.
Table 1.10Analytical Accounts of Credit Institutions
General Provisions
The source of information for compiling the “Ana-lytical Accounts of Credit Institutions” is a balancesheet aggregated on a monthly basis for credit insti-tutions (excluding the branches of the Russian creditinstitutions abroad), balance sheets of the foreignbanks located in the Russian Federation, andVneshekonombank’s selected balance items com-piled based on its commercial transactions (exclud-ing transactions on managing the RF foreign debtmade by Vneshekonombank as the Russian Federa-tion Government’s agent).
Individual Indicators Highlights
Reserves — cash in the Russian Federation cur-rency in the vaults of credit institutions as well ascredit institutions’ funds deposited in the CBR (bal-ances on correspondent accounts, required re-serves, deposits, investments into the CBR bonds,other).
Foreign assets — balances on credit institu-tions’ accounts recording transactions made withnonresidents in foreign currency, the Russian Fed-eration currency and precious metals (balances oncorrespondent accounts; deposits and other fundsplaced in nonresident banks; credits extended tononresident banks, nonresident legal entities andindividuals, debt liabilities, and bills acquired fromforeign governments, banks and other nonresidents,investments into foreign companies’ and banks’shares of stock) as well as foreign currency cash incredit institutions’ vaults.
Claims on general government — credits ex-tended to Minfin, fiscal authorities in the RF mem-ber—territories and to local authorities, to the gov-ernment extrabudgetary funds of the Russian Fed-eration and of the Russian Federation member—territories, securities issued by the Russian Federa-tion Government, the RF member territories, andlocal authorities and held by credit institutions.
1 Hereinafter transactions in securities purchased on REPO (from the word “repurchase”) terms shall be treated as deals on the sale(purchase) of securities with the commitment to their eventual repurchase (sale) in a certain period at a previously fixed price.2 Hereinafter nonfinancial enterprises and organizations used in the “Bulletin of Banking Statistics” shall be rendered as enterprisesand organizations engaged in marketing goods and services and not referred to the economy’s financial sector.
101BULLETIN OF BANKING STATISTICS № 3 (106)
Claims on nonfinancial public enterprises —credits (including debt outstanding), deferred inter-est on credits extended to nonfinancial governmententerprises.
Claims on nonfinancial private enterprisesand households — credits (including outstandingdebt), deferred interest on credits extended to non-financial nongovernment enterprises, self—em-ployed individuals and households, as well as creditinstitutions’ investments into securities issued byprivate sector enterprises.
Claims on other financial institutions — fundstransferred to financial (except for credit ones) insti-tution regardless of their type of property and cred-its extended to the said organizations1.
Demand deposits — balances held by the Rus-sian Federation residents (enterprises, organiza-tions, self-employed individuals and households)on checking, current, deposit, and other demandaccounts (including plastic cards payment accounts)opened with credit institutions in the Russian Fed-eration currency.
Time and saving deposits and foreign cur-rency deposits — balances on time deposits andother funds held in the Russian currency and all kindof foreign-currency deposits by the Russian Fed-eration residents (enterprises, organizations, self—employed individuals and households) contractedfor a specific term and kept with credit institutions,and resident clients’ accounts (except for creditinstitutions) in precious metals.
Restricted deposits — amounts on accountswith credit institutions whose owners cannot usethem during a certain period of time due to terms ofcontract or current terms of the credit institution’soperations (for instance, accrued interest on de-posits with yet nondue payment date, clients’ ac-counts reserved for conducting conversion transac-tions and futures transactions in purchase/sale ofhard currency, and some others).
Money market instruments — additional fi-nancial instruments issued by credit institutions andrepresenting similar money substitutes, i.e. bonds,deposit and saving certificates, bills, and bank ac-ceptances circulating outside the banking system.
Foreign liabilities — funds drawn by credit insti-tutions from nonresidents: balances on LORO ac-counts, credits contracted, deposits, and other fundsdenominated in foreign currency, in the RussianFederation currency, and precious metals and con-tracted from nonresident banks, nonresident indi-viduals and legal entities.
General government deposits — balances onaccounts of the federal budget, the Russian Federa-tion member territories’ budgets and local budgets,deposits and other funds drawn by Minfin, financial
authorities of the Russian Federation member terri-tories and local authorities, government extrabud-getary funds of the Russian Federation member—territories and local authorities.
Liabilities to monetary authorities — debt ofoperating credit institutions on the CBR credits (in-cluding debt outstanding and overdue interest) aswell as funds extended by the CBR to credit institu-tions on the REPO terms. In contrast to the “Claimson Credit Institutions” aggregate represented in the“Analytical Accounts of Monetary Authorities” table,they do not include the amount of debt referred tocredit institutions with revoked licenses.
Capital accounts — credit institutions’ ownfunds. They include authorized and supplementarycapital, special, provident and other funds formedthrough profits, reserves formed to cover possiblelosses on active transactions, securities, preciousmetals and funds in foreign currency revaluationresults, current-year financial results and profits andlosses of previous years.
Other items (net) — assets and liabilities bal-ances excluded from the above enumerated aggre-gates; they feature transactions among credit institu-tions and interbank transactions as well as transac-tions related to credit institutions’ logistics opera-tions (fixed assets accounting entries (less deprecia-tion), capital investments, and other costs associatedwith economic activities, revenues and deferredcosts), gold and other precious metals reserves.
Table 1.11Monetary Survey
General Provisions
The “Monetary Survey” table presents results ofconsolidating data shown in the “Analytical Accountsof Monetary Authorities” and “Analytical Accounts ofCredit Institutions” tables (consolidation is madethrough subtracting all mutual claims and liabilitiesbetween credit institutions and the CBR and by add-ing up their transactions in other economic sectorsto nonresidents’ transactions). The table is basedon the data from the CBR monthly balance sheet,balance sheet of operating credit institutions (ex-cluding the branches of the Russian credit institu-tions abroad) aggregated in a monthly basis, bal-ance sheets of the foreign banks located in theRussian Federation, and Vneshekonombank’s se-lected balance items compiled based on its com-mercial operations (excluding its transactions onmanaging the Russian Federation foreign debt whichVneshekonombank makes as the Russian Federa-tion Government’s agent), flash reports by Minfin onadministering international reserves.
1 List of financial institutions was specified in the “Rules for Accounting in Credit Institutions Located on the Russian FederationTerritory” No. 61 approved by the CBR on 18.06.97; it incorporates investment funds; trust, leasing, and factoring companies; stockand currency exchanges; brokers operating in the stock market; insurance companies, nongovernment pension funds, and a numberof other financial institutions.
102BULLETIN OF BANKING STATISTICS № 3 (106)
Individual Indicators Highlights
Net foreign assets of monetary authoritiesand credit institutions — balances of transactionsin assets and liabilities made by monetary authori-ties and credit institutions with nonresidents in for-eign currency, in the Russian Federation currencyand precious metals.
Domestic credit — totality of the bankingsystem’s claims on government nonfinancial enter-prises, private sector, including households, finan-cial (except for credit ones) institutions and net creditto general government in the Russian Federationcurrency, in foreign currency, and precious metals.
Net credit to general government — the bank-ing system’s claims on Minfin, fiscal authorities inthe Russian Federation member territories and localauthorities, government extrabudgetary funds andextrabudgetary funds in the Russian Federationmember territories and local authorities less depos-its and other investments of the specified organiza-tions into the Russian Federation banking system.
Money — all money supply in the country’seconomy which can be immediately used for makingpayments. This aggregate is compiled as an array ofaggregates “Money Outside Banks” and “DemandDeposits” in the banking system.
Quasimoney — banking system deposits whichcan not be directly used for making payments andare less liquid than “Money”. This includes time de-posits in the Russian Federation currency and alldeposits in foreign currency. An array of the “Money”and “Quasimoney” aggregates form a “BroadMoney” aggregate (money M2 according to themonetary survey methodology).
Other items (net) — sum total of correspondingaggregates in the “Analytical Accounts of MonetaryAuthorities” and “Analytical Accounts of Credit Insti-tutions” tables as well as a sum of differences incredit institutions’ and the CBR data on mutual debt.
Table 1.12Money Supply (National Definition)
General Provisions
The “Money Supply (National Definition)” tableshows volume, profile, and dynamics of money sup-
ply, which is one of the major monetary aggregatesused in formulating economic policies and identify-ing quantitative criteria for macroeconomic propor-tions. Money supply is defined as an array of fundsdenominated in the Russian Federation currencyintended as payments for goods, works, and ser-vices, as well as for savings by nonfinancial enter-prises, organizations, and households which are resi-dents of the Russian Federation.
The source of information for calculating moneysupply is data from monthly aggregate balancesheets of the Russian Federation operating creditinstitutions (also recorded are credit institutions’liabilities for (liabilities balances) to economic trans-actors).
Along with releasing information on the volume,profile, and dynamics of money supply through “Bul-letin of Banking Statistics”, it is also available on theCBR web site in the Internet, as well as in the “Bankof Russia Bulletin”.
Individual Indicators Highlights
Money supply can be identified through two com-ponents.
Cash in circulation (money aggregate M0) —the most liquid part of the money supply accessiblefor immediate use as a payment means; includesbank—notes and coins in circulation (see the “MoneyOutside Bank” indicator in the “Analytical Accountsof Monetary Authorities” table).
Noncash funds include balances of nonfinan-cial enterprises, organizations, self—employed in-dividuals, and households on checking, current,deposit, and other claim accounts (including plas-tic cards accounts) and term accounts open withcredit institutions in the Russian Federation cur-rency.
Money supply (M2) is calculated as a sum totalof cash in circulation and noncash funds. The moneysupply in the national definition in contrast to asimilar indicator calculated by the monetary surveymethodology (as a sum total of “Money” and“Quasimoney” aggregates — see comments to“Monetary survey” table) does not include depositsin foreign currency. However, it does partially in-corporate restricted deposits singled out as an in-dependent aggregate when compiling the mon-etary survey and unrecorded calculating moneysupply aggregates.
103BULLETIN OF BANKING STATISTICS № 3 (106)
Section 2. Major Indicators and Instrumentsof the Bank of Russia Monetary Policy
The CBR major function comprises developmentand conduct of a unified government monetary policyaimed at defending and securing the sustainabilityof the ruble.
To implement the said function, the CBR appliesa set of techniques and methods specified in theFederal Law “On the Russian Federation CentralBank (Bank of Russia)”: interest rates for the CBRtransactions, percentage ratios for required reservesdeposited in the CBR, open market operations, banksrefinancing, foreign exchange regulation, and other.
The present section contains information char-acterizing major areas of the CBR operations as wellas instruments and methods applied for monetaryregulation of the economy.
Table 2.1Bank of Russia Balance Sheet
General Provisions
In compliance with Article 25 of the “On the Rus-sian Federation Central Bank (Bank of Russia)” Fed-eral Law, Bank of Russia monthly publishes its con-solidated (grouped) balance sheet integrating bal-ances across all its institutions and affiliates. Thebalance sheet structure for publication purposes isset by the Bank of Russia Board of Directors. TheCBR balance sheet data are used for different pur-poses including monetary analysis and research,planning and control in monetary policies sphere,application of rules and implementation of decisionson specific uses of monetary policy instruments.
Methodological framework for compiling the CBRaggregate balance sheet is set by the “Rules forAccounting in the Russian Federation Central Bank(Bank of Russia)” on 18.09.97 No. 66. Pursuant tothe specified Rules, the compilation of the aggre-gate balance sheet is exercised through the use ofmajor international accounting standards. (The onlydifference deals with the application of a cash methodof accounting for records of the CBR revenues andexpenditures in compliance with which revenuesand expenditures are entered to relevant accountsafter revenues are actually received and expendi-tures made. International standards prescribe ac-crual basis of accounting which implies recording ofall revenues and expenditures over the reportingyear regardless of actual timing of their execution).
Along with the publication in the monthly “Bulletin ofBanking Statistics”, the Bank of Russia’s balance sheetis included in the “Bank of Russia Annual Report” andit is also placed on the CBR Internet web site.
Individual Indicators Highlights
By assetsPrecious metals — this entry records precious
metals reserves at purchasing price.Foreign currency and securities held by non-
residents — include the CBR balances in rubleequivalent on correspondent accounts with non-resident banks, balances on deposit accounts withnonresident banks, loans extended to nonresidentbanks as well as nonresidents’ securities acquiredby the CBR.
Credits and deposits — include credits ex-tended to and deposits made by the CBR in residentcredit institutions in domestic and foreign curren-cies, for servicing the government foreign debt andto enterprises and organisations serviced by theCBR’s institutions, and settlements on domestic gov-ernment debt of the former USSR.
Securities — record the CBR investments intogovernment securities (excluding liabilities boughton the REPO terms) as well as into shares of stock ofaffiliates and subsidiaries, and banks.
Other assets — incorporate balances on Bankof Russia fixed assets accounts, the Bank’s claimson other operations, investments in securities fromthe Bank of Russia’s additional pension funds, op-erations—related settlements and other Bank of Rus-sia transactions.
By liabilitiesCash in circulation — sum total of the CBR
bank—notes and coins issued for circulation.Funds on accounts with the Bank of Russia —
include cash balances on correspondent, depositaccounts, and required reserves accounts depos-ited by credit institutions with the CBR, accountsbalances with the Russian Federation Central Bankopen for recording budgetary funds of the federalbudget and budgets of republics and lower regionallevels, as well as extrabudgetary funds, and the CBRother clients’ budgets.
Float — record cash flows in settlements onRussia’s territory.
Capital — is formed as a sum of authorizedcapital, supplementary capital, reserve fund, andspecial earmarked funds, with Bank of Russia lossesin 1998 taken into account.
Other liabilities — include balance of deferredincome and expenditure on securities transactions,on credit operations, amounts of Bank of Russiabonds, the IMF loan, provisions and balances onsome other accounts.
104BULLETIN OF BANKING STATISTICS № 3 (106)
Table 2.2Refinancing Rate
General Provisions
The “Refinancing Rate” table presents dynamicsof changes in the refinancing rate since December1995 (more prolonged dynamics of the refinancingrate since 1.01.91 can be found on the CBR web sitein the Internet).
Data on the effective refinancing rate are allo-cated on the CBR web site in the Internet on the nextday after being fixed by the Board of Directors, aredisseminated through the Reuters agency, and pub-lished weekly in the “Bank of Russia Bulletin”.
Individual Indicators Highlights
Refinancing rate — monetary instrument bymeans of which the CBR affects interbank marketrates, and rates on deposits of legal entities andindividuals, and also rates on credits extended tothem by credit institutions. Refinancing rate is one ofthe interest rates used by the CBR for extendingcredits to banks in the form of refinancing.
Table 2.3Credit Institutions’ Fixed Percentage
Ratios in Bank of Russia RequiredReserves
General Provisions
The “Credit Institutions’ Fixed Percentage Ratiosin Bank of Russia Required Reserves” table showsthe dynamics of changes in fixed ratios in requiredreserves by terms and types of legal entities’ andindividuals’ funds denominated in the Russian Fed-eration currency and foreign currency and drawn bycredit institutions.
Data on ratios in required reserves and theirchanges are published by the resolution of the CBRBoard of Directors in the weekly “Bank of RussiaBulletin”. These data are also placed on the CBRInternet web site and disseminated through Reuters.
Individual Indicators Highlights
Required reserves (reserve claims) — one ofthe major instruments of the CBR monetary policy.They represent a mechanism for regulating the bank-ing system’s general liquidity. Reserve requirementsare set with a view of restricting credit institutions’lending facilities and making barriers to unrestrictedgrowth of money supply. Once a credit institution’slicense for banking operations is revoked, its re-quired reserves deposited with the CBR can be usedin accordance with the procedure established byfederal laws and Bank of Russia regulatory rulesissued in compliance with these laws.
Pursuant to Article 38 of the Federal Law “On theRussian Federation Central Bank (Bank of Russia)”,required reserves in percentage to credit institu-tions’ liabilities as well as the order of depositingthem in Bank of Russia are set by the Bank of RussiaBoard of Directors.
Table 2.4Average Weighted Interest Rates on Bank
of Russia Deposit Operations in MoneyMarket Using Reuters-Dealing System
Table 2.5The Structure of Funds Borrowed in Bank
of Russia Deposit Operations in MoneyMarket Using Reuters-Dealing System
General Provisions
The Bank of Russia conducts deposit operationsin compliance with Article 45 of the Federal Law onthe Central Bank of the Russian Federation (Bank ofRussia) with the aim of regulating banking sectorliquidity by taking banks’ funds on deposit. Depositoperations are conducted with resident banks in theRussian Federation currency only.
Tables 2.4 and 2.5 contain data on Bank of Rus-sia deposit operations with banks in the MoscowRegion and the regional banks that have branches inthe Moscow Region and have signed with the Bankof Russia general agreements on conducting de-posit operations using the Reuters-Dealing System:average interest rates weighted by the term andvalue of the deposits and the share of each type ofdeposit transactions in the total amount of fundstaken on deposit. Grouped by the dates on whichfunds were taken on deposit, these data are derivedfrom the Bank of Russia First Operations Depart-ment.
For more detailed information on the conditionsand procedure for conducting deposit operationsby the Bank of Russia, see Bank of Russia Regula-tion No. 67-P, dated January 13, 1999, “On the Pro-cedure for Conducting Deposit Operations by theCentral Bank of the Russian Federation with Resi-dent Banks in the Russian Federation Currency”(with changes and additions).
In addition to the Bulletin of Banking Statistics,the latest data on Bank of Russia deposit operationsare available on the Bank of Russia website and theReuters Agency’s home page CBDEPOS.
Individual Indicators Highlights
Demand — a deposit operation in which fundsare entered (transferred) to a demand deposit ac-count opened with the Bank of Russia on the trans-
105BULLETIN OF BANKING STATISTICS № 3 (106)
action day, while the sum taken on deposit is reflowedand interest on it is paid at a bank’s request made tothe Bank of Russia using the Reuters-Dealing Sys-tem within the term indicated by the bank in thedocument confirming the negotiations on the returnof the demand deposit to the bank. The Bank ofRussia has conducted demand deposit operationssince August 30, 2001.
Overnight — a deposit operation conducted forone working day (the term of an overnight deposittransaction conducted on Friday extends from Fri-day through Monday), in which funds are entered(transferred) to a deposit account opened with theBank of Russia on the transaction day, while thedeposit amount is reflowed and interest on it is paidon the first working day following the date on whichthe funds were entered (transferred) to the depositaccount in the Bank of Russia.
Tom/next — a deposit operation conducted forone working day (the term of a tom/next operationconducted on a Thursday extends from Fridaythrough Monday), in which funds are entered (trans-ferred) to a deposit account opened with the Bankof Russia on the working day following the transac-tion day, while the deposit amount is reflowed andinterest on is paid on the first working day followingthe date on which the funds were entered (trans-ferred) to the deposit account in the Bank of Rus-sia.
1 week — a deposit operation conducted forseven calendar days, in which funds are entered(transferred) to a deposit account opened with theBank of Russia on the transaction day, while thedeposit amount is reflowed and interest on it is paidon the seventh day after the date on which thefunds were entered (transferred) to the depositaccount in the Bank of Russia (if the seventh day ofthe deposit is a holiday, the deposit amount isreflowed and interest on it is paid on the next work-ing day).
2 weeks — a deposit operation conducted for14 calendar days, in which funds are entered (trans-ferred) to a deposit account opened with the Bank ofRussia on the transaction day, while the depositamount is reflowed and interest on it is paid on the14th day after the day on which the funds were en-tered (transferred) to the deposit account in theBank of Russia (if the 14th day of the deposit is aholiday, the deposit amount is reflowed and intereston it is paid on the next working day). The Bank ofRussia has conducted 2-week deposit operationssince October 8, 1998.
Spot/next — a deposit operation conducted forone working day (the term of such a deposit opera-tion conducted on Wednesday extends from Fridaythrough Monday), in which funds are entered (trans-ferred) to a deposit account opened with the Bank of
Russia on the second working day after the transac-tion day, while the deposit amount is reflowed andinterest on it is paid on the first working day followingthe date on which the funds were entered (trans-ferred) to the deposit account in the Bank of Russia.The Bank of Russia has conducted spot/next de-posit operations since August 9, 1999.
Spot/1 week — a deposit operation conductedfor seven calendar days, in which funds are en-tered (transferred) to a deposit account openedwith the Bank of Russia on the second working dayafter the transaction day, while the deposit amountis reflowed and interest on it is paid on the seventhday after the day on which the funds were entered(transferred) to the deposit account in the Bank ofRussia (if the seventh day of a deposit falls on aholiday, the deposit amount is reflowed and inter-est on it is paid on the first working day followingthe holiday). The Bank of Russia has conductedspot/1 week deposit operations since August 9,1999.
Spot/2 weeks — a deposit operation conductedfor 14 calendar days, in which funds are entered(transferred) to a deposit account opened with theBank of Russia on the second working day after thetransaction day, while the deposit amount is reflowedand interest on it is paid on the 14th day after the dayon which the funds were entered (transferred) to thedeposit account in the Bank of Russia (should the14th day of the deposit fall on a holiday, the depositamount is reflowed and interest on it is paid on thefirst working day following the holiday). The Bank ofRussia has conducted spot/2 week deposit opera-tions since August 9, 1999.
1 month — a deposit operation conducted forone month, in which funds are entered (transferred)to a deposit account opened with the Bank of Russiaon the transaction day, while the deposit amount isreflowed and interest on it is paid on the same datenext month (that is, when the deposit term ends) asthe date on which the funds were entered (trans-ferred) (if there is no corresponding date in themonth when the term of the deposit ends, the lastday of that month is considered the end of the de-posit term). If the end of the deposit term falls on aholiday, the Bank of Russia returns the deposit andpays interest on it on the first working day followingthe holiday. The Bank of Russia has conducted 1-month deposit operations since March 24, 1999.From February 24, 1999, to March 23, 1999, theBank of Russia took money on deposit for a term of30 days.
3 months — a deposit operation conducted forthree months, in which funds are entered (trans-ferred) to a deposit account opened with the Bankof Russia on the transaction day, while the depositamount is reflowed and interest on it is paid on the
106BULLETIN OF BANKING STATISTICS № 3 (106)
same date in 3 months (that is, when the depositterm ends) as the date on which the funds wereentered (transferred) (should the term of the de-posit end in a month that has no correspondingdate, the last day of that month is considered theend of the deposit term). If the end of the depositterm falls on a holiday, the Bank of Russia returnsthe deposit and pays interest on it on the first work-ing day following the holiday. The Bank of Russiahas conducted 3-month deposit operations sinceMarch 24, 1999.
Table 2.6Official US Dollar to Ruble Rate
Table 2.7Official Euro to Ruble Rate
General Provisions
Foreign currencies’ official rates to the Russianruble are fixed and quoted by the Russian Federa-tion Central Bank pursuant to Article 52 of the Fed-eral Law “On the Russian Federation Central Bank(Bank of Russia)”. They are applied for calculatingrevenues and expenditures of the government bud-get for all types of payments and settlements by thegovernment with enterprises, associations, organi-zations, and households as well as for taxation andaccounting.
Foreign currencies’ official rates to the Russianruble are quoted daily by the CBR to Reuters andother mass media. They also are published in theweekly “Bank of Russia Bulletin” and placed on theCBR Internet web site.
Individual Indicators Highlights
Official US dollar to ruble rate — is set by theBank of Russia each business day on the basis ofcurrent business-day quotations for US dollar/Rus-sian ruble operations on the interbank exchangeand over-the-counter currency markets.
Official Euro to ruble rate — is calculated andset on the basis of the official US dollar/Russianruble rate and euro/US dollar rate set in internationalcurrency markets for spot transactions.
These rates come into effect on the calendar dayfollowing the day they were set on and remain effec-tive until the next official rate of these currenciescomes into effect unless Bank of Russia rules other-wise.
Table 2.8Bank of Russia Precious Metals Quotes
General Provisions
To organise an interbank market for preciousmetals in Russia, the Bank of Russia, guided by theLaw on the Central Bank of the Russian Federation(Bank of Russia), quotes on a daily basis the buyingand selling rates for refined bar gold, silver, platinumand palladium. The Table “Bank of Russia PreciousMetals Quotes” shows the daily quotations for theseprecious metals during the reporting month. Thequotations are calculated by the Bank of Russia inaccordance with its Instruction No. 652—U, datedSeptember 30, 1999, “On the Procedure for Calcu-lating Bank of Russia Buying and Selling Quotationsfor the Refined Precious Metals in Operations withCredit Institutions”, Bank of Russia InstructionNo. 700—U, dated December 17, 1999, “On Amend-ing Bank of Russia Instruction No. 652—U of Sep-tember 30, 1999”, and Bank of Russia InstructionNo. 776—U, dated January 11, 2000, “On Amend-ing Some Bank of Russia Regulatory Rules”.
For the purpose of making the accounting ofprecious metals (gold, silver, platinum and palla-dium) in credit institutions, the Bank of Russia buy-ing rate for refined gold, silver, platinum and palla-dium comes into effect on the business day follow-ing the day on which it was set and remains effectiveuntil a new rate (accounting price) is set by the Bankof Russia.
For the purpose of effecting transactions, Bankof Russia buy and sell rates for refined bar gold,silver, platinum and palladium are effective from14:00 to 17:00 Moscow time on the day the quota-tions are set.
Individual Indicators Highlights
Bank of Russia buy quotes for precious met-als are calculated as the London spot market priceof gold, silver, platinum and palladium minus 5.5%for gold and 9% for silver, platinum and palladiumand recalculated into rubles at the current rate set atthe singled US dollar trading session on the inter-bank currency exchanges.
Bank of Russia sell quotes for precious met-als are calculated as the London spot market priceof gold, silver, platinum and palladium plus 0.5% andrecalculated into rubles at the current rate set at thesingled US dollar trading session on the interbankcurrency exchanges.
107BULLETIN OF BANKING STATISTICS № 3 (106)
Section 3. Financial Markets
Subsection 3.1Interbank Credit Market
Table 3.1.1Monthly Average Moscow Interbank Bid
Rates (MIBID),Monthly Average Moscow Interbank
Offered Rates (MIBOR) andMonthly Weighted Average
Moscow Interbank Actual Credit Rates(MIACR)
Table 3.1.2Daily Average Moscow Interbank Bid
Rates (MIBID)Daily Average Moscow Interbank
Offered Rates (MIBOR) andDaily Weighted Average Moscow
Interbank Actual Credit Rates (MIACR)
General Provisions
The tables 3.1.1—3.1.2 present the credit insti-tutions’ rates for attracting/offering and loans forconventional fixed terms (1 day, 2 to 7 days, 8 to30 days, 31 to 90 days, 91 to 180 days, 181 days to1 year). The tables show the range and changes inthe interbank multiterm loans. MIBOR and MIACRtables can be used for analyzing fluctuations inposted bid rates as compared against the offeredrates and actual rates settled for extended credits.In general, the data in the tables are consistent withother data published in the Bulletin and can be ap-plied to a comprehensiv analysis of the financialmarket standing.
Data source: daily sampling of credit institutionswhich are principal agents of the Moscow InterbankMarket.
The interbank credit rates are published in theweekly “Bank of Russia Bulletin”, the “Bulletin ofBanking Statistics” and placed on the CBR Internetweb site.
Individual Indicators Highlights
Moscow Interbank Bid Rates (MIBID) andMoscow Interbank Offered Rates are calculatedas monthly average from daily recalculated bid/of-fered rates on interbank credits.
Moscow Interbank Actual Credit Rate(MIACR) is calculated as average monthly weightedof actual transaction volumes of interbank credits.
Moscow interbank bid/offered rates are de-fined for each date and term as simple average ofdaily recalculated bid/offered rates for correspond-ing terms and for all related banks. The calculation,
however, does not include bid/offered rates forbanks’ branches.
For each standard term the posted bid/offeredrates are computed as a simple average by thefollowing formula:
wherenPn
p ,=–
— posted current bid/offered rates(MIBID/MIBOR);P
n — posted current bid/offered rate by a specific
bank;n — number of banks whose data are used for com-puting specific standard term.
Moscow interbank actual credit rates are cal-culated for each date and every standard credit termas an average weighted of total actual credit con-tracts. No records are made of rates on creditsextended by banks to its branches or on rollovercredits.
Interbank actual credit rates are defined for ev-ery standard credit term as a weighted averagethrough the formula:
p–
whereSn
KnSnp ,=–
— current actual credit rate (MIACR);K
n — rate of interbank credits extended by n-bank on
this day;S
n — total loans extended by n-bank over this day;
n — number of banks whose data are used to com-pute a rate for a specified credit term.
Terms are based on number of working dayswithin a period.
Subsection 3.2Exchange Market
Table 3.2.1US Dollar Trade
at Interbank Currency ExchangeTable 3.2.2Euro Trade
at Interbank Currency Exchange
General Provisions
Trade in foreign currencies for Russian rubles isconducted at the interbank exchange markets —special markets licensed by the CBR for arrangingpurchase and sale of foreign currencies for Russianrubles, including the following settlements. Bids areperformed on a daily basis except weekends andpublic holidays. The bidding participants are
p–
108BULLETIN OF BANKING STATISTICS № 3 (106)
authorised banks, members of the exchanges (theBank of Russia may also take part). Trading andsettlements on the interbank currency exchangesare regulated by the rules approved by the authorisedbodies of the interbank currency exchanges andagreed with the Bank of Russia.
The tables contain data on the principal inter-bank exchange markets operating with US dollars,German marks and Euro. The data are obtainedfrom monthly reporting of the authorized exchangemarkets and the CBR regional departments.
The bidding results are published in the “Bulletinof Banking Statistics”, the weekly “Bank of RussiaBulletin” and placed on the CBR Internet web site. Inaddition, the relevant information is released daily tothe mass media for dissemination through the massmedia.
Individual Indicators Highlights
Average weighted rate is defined as an aver-age weighted rate with the following formula:
Banks’ imports (entered to cash account) toRussia — the amount of foreign cash imported tothe Russian territory by the authorized banks andentered to cash account.
Purchased from resident banks1 — foreigncash posted to tills of authorized banks as a result oftransactions with other resident banks.
Purchased from individuals and accepted forconversion — amount of foreign cash purchased oraccepted for conversion (exchange of one foreigncurrency for another) from individuals (residentsand nonresidents) as recorded in the foreign cashregisters.
Received from individuals (residents andnonresidents) for entering to their foreign cur-rency accounts — foreign cash received from indi-viduals (resident and nonresident) for entering totheir foreign currency accounts.
Received from legal entities for entering totheir foreign currency accounts — foreign cashreceipts from corporate bodies (residents and non-residents) to reflect earlier withdrawals from an au-thorized bank to pay for travels abroad, if there is anysurplus, and foreign cash credited to foreign cur-rency accounts by legal entities (residents and non-residents) based on the Bank of Russia’s permis-sion.
Other receipts include other foreign cashamounts, inclusive of:— commission charged in foreign currency for
transactions with foreign cash and foreign cur-rency payment documents;
— the returned balances of the amounts that werewithdrawn by legal entities (resident and non-resident) from their foreign currency accountswith authorized banks to cover travel expenseson business trips abroad and not spent in full;
— foreign cash entered to current accounts of le-gal entities upon the approval by the Bank ofRussia;
— foreign currency brought to the Russian Federa-tion by nonresident banks to replenish their cor-respondent accounts and posted to tills of theauthorized banks;
— posting to tills of the authorized banks of foreignbanknotes whose authenticity has been con-firmed by the appropriate authentication exper-tise certificates;
— non-usable foreign banknotes bought for cashrubles and posted to tills of authorized banks;
— entering of contributions, sponsorial and othercharitable donations to accounts of enterprisesand organisations;
— crediting of earnings from selling goods (ser-vices and works) abroad to accounts of enter-prises and organisations;
1 Foreign cash withdrawals from individuals’ foreign currency accounts (resident and nonresident) through the ATM of authorizedbanks (and their branches) that are not issuers of credit and debit cards used for withdrawals, are included in item “Other”.
whereVi
Ri Vir ,=–
— average weighted rate;R
i — average weighted rate of a bidding session;
Vi — trading volume.
Trading volume is the total number of contractssettled over a bidding session.
Table 3.2.3Foreign Cash Flow Through Authorized
Banks Across Russia
General Provisions
The table “Foreign Cash Flow Through Autho-rized Banks Across Russia” comprises principal in-dicators of foreign cash circulation within the RFterritory.
Data in the table are obtained from monthly re-porting on foreign cash flows and documentary pay-ments in foreign currency by credit institutions li-censed for foreign currency transactions (autho-rized banks).
Information on foreign cash flow through Russia’sauthorized banks is published in the “Bulletin ofBanking Statistics”, the weekly “Bank of Russia Bul-letin” and placed on the CBR Internet web site.
Individual Indicators Highlights
Total foreign currency receipts — include allforeign currency cash receipts to vaults in autho-rized banks (and their branches) excluding theinterbranch turnover.
r–
109BULLETIN OF BANKING STATISTICS № 3 (106)
— entering of earnings from selling goods for for-eign currency in duty-free shops to accounts ofresident legal entities;
— entering of duties and customs levied in foreigncurrency;
— foreign cash deposited by individuals for non-commercial transfers abroad;
— foreign cash deposited by individuals for redemp-tion of loans granted by authorized banks;
— earnings from foreign currency documentarypayment;
— other legitimate foreign currency receipts.Total foreign cash expenses — all types of
foreign cash expenditures by authorized banks(branches) except for interbranch turnover pay-ments.
Banks’ exports from Russia (“cash” accountdebit) — amount of foreign cash exported from theRussian Federation by authorized banks.
Sales to resident banks — amount of foreigncash withdrawn from tills of authorized banks as aresult of transactions with other resident banks.
Sales to individuals — amount of foreign cur-rency sold to individuals (residents and nonresi-dents) or paid out as a result of foreign currencyconversion (exchanged for another foreign currency)as recorded in the foreign cash registers.
Payments from personal foreign currencyaccounts (residents and nonresidents) — for-eign cash amounts paid out to individuals (residentand nonresident) from their foreign currency ac-counts.
Payments from corporate foreign currencyaccounts — foreign cash withdrawals by corporateclients (residents and nonresidents) from their for-eign currency accounts to pay off overseas busi-ness travels, and foreign cash withdrawals from cur-rent foreign currency accounts of corporate entities(residents and nonresidents) as authorized by theCBR.
Other — other types of foreign cash use, inclu-sive of:— expenses to acquire foreign currency payment
documents;— foreign currency loans to individuals;— foreign cash payments to individuals from their
ruble accounts (including through ruble cards);— foreign cash payments from current accounts of
legal entities (resident and nonresident) uponthe approval by the Bank of Russia;
— other expenses allowed by foreign exchange leg-islation, including amounts in foreign cash paidout to legal entities (resident and nonresident)from their foreign currency accounts with autho-rized banks to cover expenses related to busi-ness trips of their employees abroad.Foreign cash balances at the end of report-
ing period — amount of foreign cash balance at theend of reporting month.
Table 3.2.4Selected Indicators Featuring Foreign
Cash Transactions by Authorized Banks’Exchange Offices
General Provisions
The “Selected Indicators Featuring Foreign CashTransactions by Authorized Banks’Exchange Of-fices” table shows transactions in US dollars andGerman marks, which are the key currencies avail-able at the domestic foreign cash market.
Data are provided by monthly reporting on for-eign cash flows and documentary payments in for-eign currency by credit institutions licensed for for-eign currency transactions (authorized banks).
Along with releasing information on selected in-dicators of foreign cash operations by exchangeoffices of the authorized banks through “Bulletin ofBanking Statistics”, it is also available on the CBRInternet web site.
Individual Indicators Highlights
Average single transaction — average foreigncash involved in one transaction. The indicator isdefined as the ratio of foreign cash amount pur-chased/sold to/from residents or nonresidents forruble cash to the number of transactions for foreigncash purchase/sale for rubles in cash .
Number of transactions — number of foreigncash purchases/sales for cash rubles.
Average monthly rate — average rate of for-eign cash sales/purchases defined as the ratio ofcash rubles received/paid for foreign cash to theamount of foreign currency purchased/sold for cashrubles from/to residents and nonresidents.
Average transaction margin — difference be-tween rates of foreign cash purchase and sale.
Percentage share of a specific foreign cur-rency transaction in total volume of foreign cashtransactions by exchange offices — share of pur-chase/sale transactions for a specific currency (USdollar, German mark) in the total volume of transac-tions in all foreign currencies.
Table 3.2.5Average Foreign Cash Purchase
and Sale Transactions with Individualsby Authorized Banksand Their Branches
General Provisions
The table shows purchase and sale transactionswith individuals by authorized banks and theirbranches ranged by an average transaction amount.This differentiates between totals of foreign cashpurchases/sales to/from individuals based on fixedamount intervals for transactions. The information is
110BULLETIN OF BANKING STATISTICS № 3 (106)
provided by monthly reporting on foreign cash flowsand documentary payments in foreign currency bycredit institutions licensed for foreign currency trans-actions (authorized banks).
Along with releasing information on average for-eign cash purchase and sale transactions with indi-viduals by authorized banks and their branchesthrough “Bulletin of Banking Statistics”, it is alsoavailable on the CBR Internet web site.
Individual Indicators Highlights
Transactions volume—based distribution isdefined as the ratio of foreign cash purchased/soldto/from residents and nonresidents in cash rubles toa number of foreign exchange transactions in cashrubles reported by each authorized bank’s (branchor headquaters for lack of branches). The amount ofpurchased/sold foreign cash and the number ofwithin—an—interval transactions by all branches orheadquarters show the general distribution of theestimated average transaction.
Subsection 3.3Main Characteristics of the Government
Securities Market
The subsection “Main Characteristics of the Gov-ernment Securities Market” comprises data on spe-cific placement and redemption parameters of short-term government bond (GKO) and federal loan bond(OFZ) issues and indicators characterising GKO andOFZ secondary trading.
For details about the terms and conditions of gov-ernment securities issues, circulation and redemp-tion, see the Provision on the Servicing and Circulationof Couponless Short-Term Government Bonds, ap-proved by Bank of Russia Order No. 02—125, datedJune 15, 1995, hereinafter referred to as the Provision.
The data source for all tables characterising theGKO—OFZ market is the global certificate of issueand information provided on a daily basis by theMoscow Interbank Currency Exchange (MICEX).
Data on operations with government securitiesare published not only in the Bulletin of Banking Sta-tistics, but also in the weekly Bank of Russia Bulletin(Vestnik Banka Rossii) and in the subsection “Gov-ernment Securities Market” of the section “FinancialMarkets” in the Bank of Russia site on the Internet.
Table 3.3.1Main Highlights of Auctions
for GKO—OFZ Placement
General Provisions
The Table “Main Highlights of Auctions for GKO—OFZ Placement” contains information on the resultsof the GKO—OFZ primary placement.
Individual Indicators Highlights
Date — date of the GKO—OFZ primary place-ment.
Bond code determines the issue put up for auc-tion.
Demand volume — maximum volume of the is-sue that auction participants were ready to acquire.
Volume placed — the issue volume actually ac-quired by auction participants.
Cut-off price determines the bottom price levelof accepted bids.
Average weighted price is the ratio of pro-ceeds to the bond volume placed.
Official yield by the average weighted price —yield to maturity calculated by the average weightedprice in accordance with the official method of yieldassessment for the given type of bonds (GKO —simple yield, OFZ — effective yield).
Table 3.3.2Data on Government Securities
Redemption and Coupon Payments
General Provisions
The table “Data on Government Securities Re-demption and Coupon Payments” contains data onthe expenses involved in bond redemption in theGKO—OFZ market.
Individual Indicators Highlights
Date of placement — the date of floating asecurity issue which was redeemed or on which thecoupon payments were effected.
Security code — a unique identifier of an issuegiven in accordance with the Provision.
Volume of redemption/coupon payment —the money spent on redemption/coupon payment.
Volume in circulation — the current nominalamount of securities in circulation on the paymentdate.
Current coupon rate — the rate of coupon in-come on the payment date.
Table 3.3.3Term Structure of Bonded Debt
(the GKO—OFZ part of there)Table 3.3.4
Main Characteristics of the SecondaryGKO—OFZ Market
General Provisions
The table “Term Structure of Bonded Debt (theGKO—OFZ part there of)” shows how the GKO—OFZ market is structured in terms of bond matu-rity.
111BULLETIN OF BANKING STATISTICS № 3 (106)
D1
I MICEX ,= =i 1
=j 1
N
M
ki Qi Pi
Qbj Pb
j
( ) ( ) where
The table “Main Characteristics of the Second-ary GKO—OFZ Market” contains the principal indi-cators on GKO—OFZ secondary trading.
These data apply to outstanding bonds only. Fordetails about how these indicators are calculated,visit the Bank of Russia site on the Internet.
Individual Indicators Highlights
Share of total volume in circulation at par —calculated as the ratio of the volume in circulation ofa specific kind of securities to the volume of alloutstanding bonds at face value.
Market portfolio indicator — mean effectiveyield on a specific kind of securities, weighted bytime to redemption and volume in circulation.
Market turnover indicator — mean effectiveyield on a specific type of securities, weighted bytime to redemption and turnover.
Turnover rate — the ratio of secondary marketturnover to market volume.
Duration — the average volume-weighted pe-riod to interest payments on securities, includingcoupon payments.
Government short-term bonds — short-termcouponless treasury bills.
Investment federal loan bonds — zero-cou-pon federal loan bonds.
Permanent-income federal loan bonds — fed-eral loan bonds with a permanent coupon interestrate (these do not include investment federal loanbonds). This kind of securities differs from others inthat their coupon interest rate remains unchangedthroughout their life.
Fixed-income federal loan bonds — federalloan bonds with a fixed coupon interest rate. Unlikethe permanent-income federal loan bonds, thesebonds have coupon interest rates that changethroughout their life.
Table 3.3.5Average Weighted Interest Rates of the
Government Securities Market
General Provisions
Table “Average Weighted Interest Rates of theGovernment Securities Market” reflects the GKO—OFZ interest rates depending on residual maturities.The calculation covers all marketable issues.
The information on the average weighted inter-est rates of the Government securities market ispublished in the Bulletin of Banking Statistics andplaced on the Bank of Russia website.
Individual Indicators Highlights
The short-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities upto 90 days inclusive, weightedby residual maturities and trading volumes.
The medium-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities from 91 to 364 days inclusive,weighted by residual maturties and trading volumes.
The long-term indicator of the market port-folio — an average of effective yields on issues withresidual maturities over 364 days, weighted by re-sidual maturities and trading volumes.
Table 3.4Some Corporate Securities
Market Indicators
General Provisions
Table “Some corporate securities market indi-ces” presents data on the values of the MICEX andRTS indices and trade turnovers on the MoscowInterbank Currency Exchange (MICEX) and the Rus-sian Trading System (RTS).
The MICEX index is arrived at by using the classi-cal aggregate reference Paasche index which showsthe relative change of the equity market capitaliza-tion vs. the market capitalization of the same equityat the initial date. The MICEX index is computed on adaily basis starting from September 22, 1997. Theindex is arrived at with the shares included in theMICEX quotation lists serving as its base.
The RTS index is the only official indicator of theRussian Trading System. All prices are in US dollars.The list of shares used in computing the RTS indexcontains shares included in the quotation lists of thefirst and second levels as well as shares selected onthe basis of the expert appraisal. The list of sharesused in computing the RTS index may be revised notmore than once in three months.
Individual Indicators Highlights
MICEX trade turnover — total amount of trans-actions with shares and corporate bonds concludedin the MICEX Stock Market Section.
MICEX index (aggregate stock market index)is arrived at by using the share prices in rubles ac-cording to the formula:
QI— number of i-type shares at the time of index
computation;P
I— average-weighted i-type share price at the time
of index computation;k
I— weight ratio;
N — number of shares included in the index compu-tation base at the time of its computation;
112BULLETIN OF BANKING STATISTICS № 3 (106)
Qbj— number of j-type shares at the time of deter-
mining 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 compu-tation base at the time of determining its initial value;D — correction ratio adjusting the index value whenthe index computation base changes.
RTS trade turnover — total amount of transac-tions with shares and corporate bonds concluded atthe RTS at secondary trades.
RTS index (foreign exchange value) is com-puted at the settlement date (I
n) as the ratio of the
total market capitalization of shares (MCn) included
in the list for index computation to the total marketcapitalization of the same shares at the initial date(MC
1) multiplied by the index value at the initial date
(I1):
treasury bills’ yield is an interest rate of the pri-mary placement of securities or an averageweighted rate of securities circulated on the sec-ondary market.
Individual Indicators Highlights
By country computation of government short—term liabilities:— USA — average annual discount for new issues of
T—bills with 3 months maturity;— Germany — yield of federal T—bills with
12 months maturity;— Great Britain — auction rate of T—bills place-
ment for 91 days period. Monthly rates are basedon average weighted rates by end of workingweek;
— Italy — gross average weighted yield of recur-rently placed T—bills issued for periods of 3, 6and 12 months;
— Bulgaria — average weighted yield on one yearmaturity T—bills sold at an auction;
— China (Hong Kong) — annual yield of T—bills with91 days maturity;
— Lithuania — average auction rate of T—bills with91 days maturity.
Table 3.5.2Money Market Rates
General Provisions
The “Money Market Rates” table shows interestrates on domestic borrowings by financial institu-tions to maintain current liquidity. This indicator isusually obvious from overnight credit interest ratesbut may also be defined for longer credit terms (upto three months) based on different monetary mar-ket specifications.
Individual Indicators Highlights
By country computation of domestic short—termborrowing rates:— USA — rates at which banks purchase (or bor-
row) funds in this interbank market to meet theirreserve requirements in the short run of financeloans and investments in the longer run. Monthlyfigures are average of all calendar days, wherethe rate for a weekend or holiday is taken to bethe rate prevailing on the preceding day. Thedaily rate is the average of the rates on a givenday weighted by the volume of the transaction atthese rates;
— Japan — overnight interest rate at Tokyo inter-bank market;
— Germany — overnight interest rate defined asaverage weighted rate based on relevant ratesfor every ten days;
— Great Britain — offered overnight bid rate;— Italy — average weighted interest rate on inter-
bank three—month loans;
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 settle-
ment time n;L — number of share names included in the list bywhich the index is computed.
Subsection 3.5International Financial Markets
The “International Financial Markets” subsec-tion contains key interest rates of selected membercountries of the International Monetary Fund (IMF)and four tables which individually describe financialmarket sectors. The subsection covers both leadingindustrial countries and developing countries. Thisfacilitates comparison of profitability of similar fi-nancial instruments at financial markets of variouscountries.
Quarterly interest rates are the simple averagesof interest rates for the monthly periods under re-view.
Data are derived from the International FinancialStatistics by the IMF.
Table 3.5.1Treasury Bills Yield
General Provisions
The “Treasury Bills Yield” table shows yield oftreasury bills issued by various countries. Thecompilation methodology for the indicator candiffer under specific provisions for a certain typeof transactions in financial assets. In general,
MC0
MCnI In ,1= where
=
=L
i
in QPMCn
1
, ,i where
113BULLETIN OF BANKING STATISTICS № 3 (106)
— Spain — daily average rate on interbank opera-tions effected through the Bank of Spain’s cableservice;
— Indonesia — overnight interbank interest rate;— Korea — average weighted interest rate on over-
night loans;— Singapore — the rates are the modes of the
three—month interbank rates quoted by moneybrokers. Monthly data refer to the rates on thelast Friday (or working day closest to the lastFriday) of the month;
— Ukraine — average weighted interest rate onloans between financial institutions in nationalcurrency. The rate is weighted by daily loanamounts;
— China (Hong Kong) — midpoint (average of offerand bid rates) overnight closing rates in the inter-bank money market;
— Bulgaria — average weighted interest rate oninterbank loans;
— Lithuania — average interest rate on interbankone—month loans.
Table 3.5.3Deposit Rates
General Provisions
The “Deposit Rates” table shows rates for at-tracting residents’ funds to demand, time and sav-ings deposits. Time and savings deposits are classi-fied according to the borrowing period. Banks andsome other financial institutions attracting depositmoney can issue deposit certificates distinguishedby different periods of depositing and quantities ofsingle value deposits.
Individual Indicators Highlights
By country computation of resident deposit ratesfor demand, time and savings deposits:— USA — rate is computed based on daily
unweighted three—month deposit rates at sec-ondary market, posted by at least five dealers atthe beginning of an operational day;
— Japan — average rate for three—month timedeposits for amount from 3 to 10 million yens;
— France — rate of tax exempt savings;— Germany — rate of three month deposits under
3 million marks;— Italy — rate on current accounts, savings ac-
counts and deposits;— Spain — rate offered by banks on six— to 12—
month time deposits;— Indonesia — average weighted rate on three—
month deposits with commercial banks;— Korea — the rate is an average, weighted by the
amount of deposit for periods of one year or
more but less than two years at nationwide com-mercial banks;
— Singapore — average rate on three month timedeposits settled by ten key commercial banks;
— Ukraine — average weighted rate offered by com-mercial banks on deposits in national currency;
— China (Hong Kong) — average weighted rate onone—month time deposits of ten key banks;
— Bulgaria — average weighted rate offered bycommercial banks on one—month deposits inleva;
— Lithuania — average weighted rate on time de-posits in domestic currency.
Table 3.5.4Lending Rates
General Provisions
The “Lending Rates” table encompasses lendinginterest rates offered to the private sector includingboth individuals and nongovernment enterprises andinstitutions. The rates are classified on the basis ofborrowers’ solvency and lending targets.
Individual Indicators Highlights
By country computation of private sector lendingrates:— USA — key banks short term lending rate for the
most reliable borrowers;— Japan — weighted arithmetics average of con-
tracted interest rates charged by all banks onboth short and long term loans, discounts, andoverdrafts;
— France — lending rate of commercial banks tothe most reliable borrowers;
— Germany — rates on crediting current accountswith minimum balance of 1 million marks;
— Great Britain — minimum base rate of Londonclearing banks;
— Italy — average rate settled for short term liracredits;
— Indonesia — average weighted lending rate forprivate loans pledged with working capital;
— Korea — minimal rate settled by deposit moneybanks for one—year loans to large enterprisespledged by fixed assets;
— Singapore — minimal lending rate reflecting anaverage rate settled by ten key banks;
— Ukraine — average weighed rate for domesticcurrency loans by all commercial banks;
— China (Hong Kong) — rate fixed by the HongKong and Shanghai Banking Corporation;
— Bulgaria — average weighted commercial ratefor one—year loans in domestic currency;
— Lithuania — average weighted rate for all domes-tic currency loans.
114BULLETIN OF BANKING STATISTICS № 3 (106)
Section 4. Credit Institutions Performance
1 The right to take household savings on deposit is granted to banks that have operated for at least two years after their state registration.
Subsection 4.1General Description
Table 4.1.1Number and Structure of Credit
Institutions
General Provisions
The “Number and Structure of Credit Institu-tions” table provides data on the number and struc-ture of the registered credit institutions in the Rus-sian Federation.
Registration of credit institutions, licensing forbanking operations and license withdrawals are per-formed by the CBR pursuant to Articles 4 and 58 ofthe Federal Law “On the Russian Federation CentralBank (Bank of Russia)” and Article 12 of the FederalLaw “On Banks and Banking Activity” (for the regis-tration and licensing procedures for credit institu-tions see also the CBR Instruction “On Use of Fed-eral Legislation Regulating Registration of CreditInstitutions and Licensing for Banking Activities”No. 75—I dated 23.07.98 (in view of changes andadditions).
The CBR keeps the State Register of Credit Insti-tutions. The Register includes records of credit insti-tutions — banking and nonbanking — for which theCBR took a decision on registration and licensing forbanking activities. The Register also records creditinstitutions’ branches and representative offices inRussia and abroad.
Information on official registration of credit insti-tutions, granting them licences, changes in theirnames, location, restructuring and breakdowns arereported in the weekly “Bank of Russia Bulletin” andplaced on the CBR Internet web site.
Individual Indicators Highlights
The concepts of a credit institution, bank andnonbanking credit institutions are determined bythe Federal Law “On Banks and Banking Activity”(Article 1):
Credit institution — legal entity authorized by aspecial CBR permission (license) to make its profitsfrom banking transactions within the framework ofthe above legislation. A credit institution is estab-lished as an economic entity.
Bank — credit institution having an exclusiveauthority for complex banking operations , namely:to attract deposits of legal entities and individu-als1, to accommodate raised funds on its behalfand at its cost on terms of repayabil ity,chargeability, and promptness, and also to openand keep banking accounts of individuals and in-corporated entities.
Nonbanking credit institution — credit institu-tion authorized for selected banking operation, withinthe range specified by the CBR.
Registered credit institutions — credit institu-tions having on a reporting date the status of legalentities, including those from prohibited performingbanking operations but still existing as legal entities.
Credit institutions licensed for banking trans-actions — registered credit institutions (banks andnonbanking credit institutions) entitled to conductbanking operations, as well as nonbanking institu-tions registered by other authorities (before enact-ment of the Federal Law “On Banks and BankingActivity”) but licensed for banking transactions bythe CBR.
Authorized capital of credit institution is basedon shares and provides a minimal amount of assetsserving as guarantee for creditors (Article 11 of Fed-eral Law “On Banks and Banking Activity”). The sizeof authorized capital is not restricted by legislationbut, to assure a credit institution’s stability, the CBRintroduced the minimal amount of authorized capital(minimal authorized capital for newly establishedcredit institutions should not be less than the sumequivalent to 1 million euros).
Registered authorized capital of operatingcredit institutions — authorized paid-up stock in-cluded in a credit institution’s charter and registeredby the CBR.
Branches of operating credit institutions —separately located structural units of credit institu-tions having a different location and performing ontheir behalf a full range or selected banking transac-tions specified by the CBR license.
Starting the line “Sberbank branches” recordsRussia’s Sberbank branches entered into the StateRegister of Credit Institutions with reference num-bers attached .
Representative offices of operating creditinstitutions — autonomous structural units of creditinstitutions having a different location, acting ontheir behalf and protecting their interests. Repre-sentative offices are not entitled for banking trans-actions.
Credit institutions with revoked licenses —credit institutions whose banking licenses were re-voked by the CBR’s resolution based on the FederalLaw “On the Russian Federation Central Bank (Bankof Russia)”.
Once a resolution on revoking a license is pub-lished, a credit institution loses its authority to maketransactions or complete contracts except for onesspecified in items 3 and 4, section 4, Article 20 of theFederal Law “On Banks and Banking Activity”, anditem 2.1 of the Russian Federation Central BankProvisions “On Banking Licenses Revocation from
115BULLETIN OF BANKING STATISTICS № 3 (106)
Banks and Other Credit Institutions in the RussianFederation” No. 264 dated 2.04.96.
Credit institutions subject to liquidation —credit institutions subject to liquidation:
a) without signs of bankruptcy by the decision of:— a general meeting of stockholders or its body
authorised to do so by the founding documents(voluntary liquidation in accordance with para-graph 2 of point 2 of Article 61 of the Civil Code ofthe Russian Federation);
— an arbitration court (compulsory liquidation inaccordance with paragraph 3 of point 2 of Article61 of the Civil Code of the Russian Federation).b) with procedures of bankruptcy by the deci-
sion of:— a general meeting of stockholders or its body
authorised in accordance with the founding docu-ments to pass the liquidation decision and de-clare the credit institution bankrupt with its credi-tors’ consent (a voluntary declaration of bank-ruptcy of a credit institution and its liquidation inaccordance with point 2 of Article 65 of the CivilCode of the Russian Federation before the com-ing into force of Federal Law No. 40—FZ, datedFebruary 25, 1999, “On Insolvency (Bankruptcy)of Credit Institutions”);
— an arbitration court (which may rule a creditinstitution bankrupt and initiate bankruptcy pro-ceedings in accordance with point 1 of Article65 of the Civil Code of the Russian Federation,Federal Law No. 6—FZ, dated January 6, 1998,“On Insolvency (Bankruptcy) and Federal LawNo. 40—FZ, dated February 25, 1999, “On Insol-vency (Bankruptcy) of Credit Institutions).Credit institutions in receivership with court—
appointed interim trustees (structure of a liqui-dating commission is agreed) — credit institu-tions subject to liquidation:
a) without signs of bankruptcy in which by thedecision of a general meeting of stockholders or itsbody the liquidating commissions are appointed asagreed with Bank of Russia;
b) with procedures of bankruptcy in which by thedecision of:— a general meeting of stockholders or its body
authorised to do so by the founding documentsthe liquidating commissions are appointed;
— an arbitration court bankruptcy proceedings (areis open begun) and the receiver is appointed.
Table 4.1.2Credit Institutions Grouped byRegistered Authorized Capital
General Provisions
The “Credit Institutions Grouped by RegisteredAuthorized Capital” table is complementary to the“Number and Structure of Credit Institutions” table
and presents quantitative distribution by the size ofregistered authorized capital (see comments on the“Number and Structure of Credit Institution” table).Authorized capital is broken down by intervals givingan overall picture of Russian small, medium andlarge credit institutions. The quarterly supplementto the “Bulletin of Banking Statistics” provides simi-lar data dissected by Russian regions.
The State Register of Credit Institutions servesas data source for the said.
Along with releasing information on the break-down of credit institutions by the size of their autho-rized capital through the “Bulletin of Banking Statis-tics”, it is also available weekly in the “Bank of RussiaBulletin”, and on the CBR Internet web site.
Table 4.1.3Selected Indicators of Credit Institutions
Performance Grouped by Assets
General Provisions
The “Selected Indicators of Credit Institutions’Performance Grouped by Assets” table includesgroups which are shaped through constructing creditinstitutions series by descending assets criterionwith the subsequent grouping into homogeneous—similar assets groups within a series. Such groupingexemplifies cases of concentrated banking invest-ments and borrowings specific groups of banks, andfund—raising and investment operations by creditinstitutions with different assets.
Data are taken from the monthly aggregate bal-ance sheet of the operating credit institutions (withall branches). Assets and liabilities items included inthe “Credit Institutions Performance” subsection ofthe Bulletin are broken down by their initial marketvalue at time of purchase. Assets and liabilities inforeign currency, precious metals and securitiesinclude revaluation results except for bills which arenot subject to revaluation.
Individual Indicators Highlights
Number of branches throughout the RF terri-tory — branches of credit institutions recorded inthe State Register (on the State Register see com-ments on the “Number and Structure of Credit Insti-tutions” table).
Credits extended — debt (including overdue)of legal entities and individuals to credit institutionson all loans including loans to all—level governmentauthorities, foreign country, extrabudgetary funds,nonresidents in domestic and foreign currency andin precious metals. Funds provided by credit institu-tions on REPO terms are excluded, they are shownas investments in securities.
Corporate loans — debt (including overdue) ofnonfinancial and financial resident institutions (ex-cluding credit ones) to credit institutions on all do-
116BULLETIN OF BANKING STATISTICS № 3 (106)
mestic and foreign currency loans and preciousmetals loans.
Personal loans — debt (including overdue) ofresident and nonresident individuals and self—em-ployed individuals on consumer loans in domesticand foreign currency.
Bank credits — debt (including overdue) oninterbank credits, of which credits extended to non-resident banks. Deposits and other funds placedwith banks are excluded.
Outstanding debt on credits extended to en-terprises and entities/banks/individuals; —cor-porations; — individuals — including outstandingdebt on credits, deposits and other placements givento residents and nonresidents legal entities and indi-viduals, to foreign country and also on operationswith precious metals. Outstanding debt does notinclude overdue interest.
Investment in government securities — creditinstitutions’ investment in Russian governmentbonds.
Investment in bills — amount of discountedbills in the credit institutions’ portfolio.
Investments in shares and equity interest byresident corporations (except for banks) — creditinstitutions’ investments in shares of joint—stockresident companies (except for banks) and partici-pating interests of resident corporations (for creditinstitutions’ investments in securities see also notesto the “Structure of Credit Institutions’ Investmentsin Securities” table).
Corporate funds with banks — balances onenterprises’ and agencies’ accounts in domesticand foreign currency and precious metals. (Accountbalances on self—employed individuals’ accountsare not included). Also excluded deposits and meanswhich have been written off from accounts of clients.
Budgetary funds with banks — funds of all—level budgets and government extrabudgetary funds.
Personal deposits — demand and term per-sonal deposits and other raised found by residentsand nonresidents, and domestic/foreign currencyaccounts of self—employed individuals and also nonfulfilled engagements on demand and term per-sonal deposits and other raised found by residentsand nonresidents. Accrued interest on deposits iskept on different accounts excluded when this indi-cator calculating.
Negotiable debt — nominal value of banks’ se-curities: bonds, deposit and savings certificates,bills and acceptances.
Total assets — value of credit institutions’ as-sets (balances on accounts reflecting credit institu-tions’ settlements are included in total assets).
More descriptive data on the selected indicatorswith dissection by domestic and foreign currencyare given in the following tables: “Deposits”, “De-posit and Savings Certificates and Bonds”, “FundsOwned by Legal Entities and Individuals and RaisedThrough Bills”, “Structure of Credit Institutions’ In-
vestments in Securities”, “Discounted Bills”. Thisinformation can be complemented by monthly bal-ance sheets of selected credit institutions which areincluded on the CBR Internet web site (see the CBRweb site for ”Credit Institutions” within the “BankingSystem” section).
Subsection 4.2Borrowings
Table 4.2.1Deposits
General Provisions
The table presents data on one of the major trans-actions in liabilities, namely, borrowings by creditinstitutions — drawings of domestic and foreign cur-rency from legal entities and individuals to bank de-posits. Data are grouped by borrowing periods speci-fied according to the deposit and other raised fundcontract terms including all complementary agree-ments. The table shows total funds raised by creditinstitutions in deposits. The data compilation meth-odology for the information in this table differs fromthat used for similar data in the “Analytical Accountsof Credit Institutions” table included in the analysis ofmoney supply and its structure. Data in table 4.2.1 ispresented in a view to highlight these differences inthe methodology. The “Deposits” table does not coverdeposits of legal entities and individuals with theVneshekonombank which is not within the scope ofcredit institutions, but includes the RF nonresidentfunds. Also not cover accrued interest. Discrepan-cies among individual indicators can be found below.
The data are drawn from monthly aggregate bal-ance sheet of Russian operating credit institutions.
Individual Indicators Highlights
Total ruble/foreign currency deposits by ma-turity — money (cash and noncash rubles and for-eign currency) deposited by the owners (residentsand nonresidents) in banks under determined con-ditions. Data in the table are presented by type ofdepositor (individuals and legal entities — corpora-tions and agencies), terms and withdrawal proce-dures (demand and time deposits).
Demand deposits — funds of residents andnonresidents kept with a bank for an undeterminedperiod which can not be fixed at the time the fundsare credited to an account, and can be completely orpartially withdrawn at any time. Including depositswith use of banking cards.
Time deposits — money deposits with a pre-cisely determined term of repayment and interestrate.
Personal deposits (from 1.04.2001 — Personaldeposits and other raised found) — demand depos-its (including amounts deposited for debit and credit
117BULLETIN OF BANKING STATISTICS № 3 (106)
cards settlements, from 1.04.2001 also includingnon fulfilled engagements on deposits and otherraised founds) and time deposits by resident andnonresident individuals, and funds on self—em-ployed individuals’ accounts.
Corporate deposits — demand deposits (in-cluding deposits intended for debit and credit cardsettlements, from 1.04.2001 also including non ful-filled engagements on deposits and other raisedfounds) and time deposits of all—level budgets,extrabudgetary funds, financial institutions (exceptfor credit ones), nonfinancial institutions of all typesof property, and also nonresident legal entities. (Thetable “Analytical Accounts of Credit Institutions”shows corporate deposit funds as included in differ-ent aggregates (see columns 9, 10, 15 in the table)which apart from deposited money include amountsin settlements and current accounts of resident le-gal entities, and precious metals accounts.)
Bank deposits include deposits and other moneyattracted from resident credit institutions and non-resident banks.
Table 4.2.2Average Weighted Deposit Interest Rates
on Corporate and Personal in RublesTable 4.2.3
Average Weighted Deposit Interest Rateson Corporate and Personal in US Dollars
Table 4.2.4Average Weighted Deposit Interest Rates
on Interbank in Rubles
General Provisions
The table displays weighted deposit interest ratesin Russian rubles and US dollar offered by creditinstitutions. The data are dissected by type of de-positor (individuals, corporations, banks in thetable 4.2.2, individuals, corporations in thetable 4.2.3) and maturity within a reporting period.
Data source: monthly financial reporting of oper-ating credit institutions (see Bank of Russia Instruc-tion “On Financial Reporting Compilation” No. 17dated 1.10.97 for the main compilation guidelines).
Along with the CBR monthly “Bulletin of BankingStatistics”, data on average weighted rates on per-sonal short-term deposits in the domestic currencyare published in the IMF “International Financial Sta-tistics”.
Individual Indicators Highlights
Personal deposit rates by maturity; corpo-rate deposit rates by maturity; banks’ depositrates, by maturity — annual average weighted in-terest rates on personal, corporate and banks’ de-posits attracted within a reporting period with break-down by maturity: under 30 days, 31—90 days,181 days—1 year, 1—3 years, over 3 years. De-
mand deposits are included in the calculation ofrates on personal deposits under 30 days.
Average weighted deposit rates for a certain pe-riod are defined as follows:
whereVPV
P ,=–
P– — 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 andBonds” table contains data on Russian and foreigncurrency funds raised by credit institutions by issueof securities (deposit and savings certificates andbonds). Values of the deposit and savings certifi-cates and bonds are given in nominal value with thematurity breakdown. Absence of data on specificperiods of borrowing means absence of such bor-rowings over the described periods.
The data are obtained from the monthly aggre-gate balance sheet of the Russian operating creditinstitutions.
Individual Indicators Highlights
Savings (deposit) certificate — a time depositvariety (see comments on indicator “Time deposits”in the “Deposits” table), which is a security provingdepositing in a bank, and also a right of the depositor(certificate holder) to receive in the bank—issuer orin its branches after a maturity period of the depos-ited funds and due interest payment specified in thecertificate. The certificates are issued in the Russianrubles. Savings certificates can be held only by indi-viduals, deposit certificates only by legal entities.For more detailed information on the savings (de-posit) certificates, see Provisions “ On Savings andDeposit Certificates” No. 333—U dated 31.08.98.
Bond — a financial security proving the holder’sright for receiving, in due time, the nominal value ofthe bond or any other tangible equivalent. Bondsalso provide fixed interest payments or any othertangible equivalent.
Table 4.2.6Average Weighted Interest Rates on
Deposit and Savings Certificates and Bonds
General Provisions
The table features average weighted interestrates on deposit and savings certificates and bonds
118BULLETIN OF BANKING STATISTICS № 3 (106)
issued in Russian rubles. Data are categorized bymaturity of deposit/savings certificates and bondsplaced on the primary market.Data source: monthlyfinancial reporting of the operating credit institu-tions (for the main compilation guidelines see theCBR Instruction “On Financial Reporting Compila-tion ” No. 17 dated 1.10.97).
Individual Indicators Highlights
Deposit certificate interest rates by matu-rity; savings certificate interest rates by matu-rity; interest rates on bonds, by maturity — aver-age annual interest on funds raised through thecertificates and bonds within the reporting periodbroken down by maturity: under 30 days, 31—90 days, 91—180 days, 181 days—1 year, 1—3 years, over 3 years. The lack of interest rates dataover the selected deposit periods indicates unavail-ability of a particular type of certificates and bondsissued by reporting institutions.
Average weighted interest on deposit/savingscertificates and bonds is defined as follows:
credit institutions by issuing at par bills and dis-counting bank acceptances.
Total Russian/foreign currency receipts raisedby bills and banker’s acceptances are broken downby redemption periods. Bills at a particular datesight, and bills at fixed time sight (term bills) arediscounted by actual residual period. Demand andfixed—time demand bills are included in the demandposition, and bills presented for payment are dis-counted similarly to term bills (Accounting Rules forCredit Institutions Based in the Russian Federation,dated June 18, 1997, No. 61).
Table 4.2.8Average Weighted Interest Rates on Bills
General Provisions
The table contains average weighted interestrates on bills issued by credit institutions.
Interest rates on ruble denominated bills placedon the primary market over the report period aregiven by type of primary holder (legal entities andindividuals) and redemption periods.
Data are drawn from monthly financial reportingof operating credit institutions (for the main compi-lation guidelines and indicators see the CBR Instruc-tion “On Financial Reporting Compilation” No. 17dated 1.10.97).
Individual Indicators Highlights
Interest rates on ruble denominated bills soldto legal entities, by maturity; interest rates onruble denominated bills sold to individuals, bymaturity — average annual interest rates on rubledenominated bills sold to legal entities/individualswith dissection by periods of redemption periods:under 30 days, 31—90 days, 91—180 days,181 days—1 year, 1—3 years, over 3 years.
Average weighted interest rates on issued billsare defined as follows:
whereVPV
P ,=–
— average weighted interest rates on depo-sit/savings certificates and bonds;P — annual yield on a matured security;V — book value of a security.
Table 4.2.7Funds Owned by Legal Entities and
Individuals and Raised Through Bills
General Provisions
The “Funds Owned by Legal Entities and Indi-viduals Raised Through Bills” table contains creditinstitutions’ liabilities on issued bills and banker’sacceptances.
The data are obtained from monthly aggregatebalance sheet of the operating credit institutions.
Individual Indicators Highlights
Bill — direct financial liability completed in alegally prescribed form and issued by a promissor toa billholder which gives the latter an unconditionalauthority to make claims to the promissor in term ofspecific amount, time and place.
Banking bill of exchange — bill which is mainlyearmarked to attract funds to a bank.
Acceptance — an agreement on repayment of abill imposing obligation on the acceptor.
Banker’s acceptance — bill secured by thebank’s unconditional obligation to pay a specificamount after a certain period (accepted by the bank).
Total rubles/foreign currency raised by bills,by redemption periods — Russian ruble/foreigncurrency (in a rouble equivalent) attracted to the
P–
whereVPV
P ,=–
— average weighted interest rate on issued bills;P — bill’s annual yield against redemption;V — value of a bill specified in the requisites.
Subsection 4.3Lending
Table 4.3.1Corporate, Interbank and Personal Loans
General Provisions
Data in the table reflect one of the major bankingactivities in placing banking resources to be lent to
P–
119BULLETIN OF BANKING STATISTICS № 3 (106)
clients (residents and nonresidents). Loans are bro-ken down by currency (Russian and foreign), bor-rowers (individuals, corporations, banks) and matu-rity periods (maturity period is a term for repaying aloan specified in a credit agreement). The ruble andforeign currency loan is lower than that in the “Se-lected Indicators by Credit Institutions PerformanceGrouped by Assets” table because of loans extendedto all—level budgets, government extrabudgetaryfunds.
Data are provided by the monthly aggregate bal-ance sheet of Russian operating credit institutions.
Individual Indicators Highlights
Total loans in rubles/foreign currency— cli-ents’ debt (including overdue loans and other allo-cated funds) to credit institutions on all loans ex-tended. Lent funds totals, apart from the breakdownof specific loans, loans to foreign governments andnonresident legal entities.
Total personal loans in rubles/foreign cur-rency — resident and nonresident personal clients’debt on consumer loans (including overdue), en-compass self—employed individuals.
Total corporate loans in rubles/foreign cur-rency, by maturity — debt (including overdue) onall loans (including precious metal loans) contractedto resident financial (except for credit ones) andnonfinancial institutions of all types of property (for“financial institution” and “nonfinancial institution”concepts see notes to “Analytical Accounts of CreditInstitutions” table, and comments on “claims onnonfinancial public enterprises” included in “Ana-lytical Accounts of Monetary Authorities” table).Loans given for the term up for 30 days includedemand loans and “overdraft” (loan as giving creditfor money stringency on current account).
Total loans to banks in rubles/foreign cur-rency — debt (including overdue) on interbank loans.Without deposits and other placed means in banks.
Table 4.3.2Average Weighted Interest Rates on
Corporate and Personal Loans in RublesTable 4.3.3
Average Weighted Interest Rateson Corporate and Personal Loans
in US DollarsTable 4.3.4
Average Weighted Interest Rateson Interbank Loans in Rubles and
in US Dollars
General Provisions
The tables contain average weighed rates onruble and US dollars loans to corporations, banksand individuals. Data are presented by type of bor-
rowers (corporations, banks and individuals intable 4.3.2, corporations and individuals intable 4.3.3) and credit terms.Data source: monthlyfinancial reporting by Russian credit institutions(for the main compilation guidelines and indicatorssee CBR Instruction “On Financial Reporting Com-pilation” No. 17 dated 10.01.97).
Along with the CBR monthly “Bulletin of BankingStatistics”, data on average weighted rates on shortterm corporate loans in rubles are published in theIMF “International Financial Statistics”.
Individual Indicators Highlights
Average weighted interest rates on personalloans/ Average weighted interest rates on cor-porate loans/Average weighted interest rateson interbank loans in ruble/US dollar, by matu-rity — annual average weighted rates specified inloan agreements with individuals, corporations andbanks. The rates are presented in classification bythe loan terms: under 30 days, 31—90 days, 91—180 days, 181 days—1 year, 1—3 years, over 3 years.
Average weighted interest rates for correspond-ing loan periods are defined as follows:
whereVPV
P ,=–
— average weighted loan interest rate;P — contracted nominal annual interest rate;V — contracted value of loan.
Table 4.3.5Structure of Credit Institutions’
Investments in Securities
General Provisions
Data are dissected by types of securities andgroups of issuers. REPO transactions being a rela-tively new source of high liquid banking resourcesare singled out of total investment (for REPO con-tracts see footnote on “Analytical Accounts of Mon-etary Authorities” table). The highlighted shares ofstock singled out of the overall investments intoshares of stock represent those which are kept in thecredit institutions’ portfolio over six month and pur-chased solely for investment purposes.
Investments in government securities are in-cluded at their market value, and in other securi-ties — by purchase value (book value).
Data source: monthly aggregate balance sheetof Russian operating credit institutions.
Analysis of data in the table can be comple-mented by information on the structure of invest-ment in securities of individual credit institutions —holders releasing their data to Internet under theCBR Provisions “On Data Release by the Bank ofRussia and Credit Institutions — Financial MarketsAgents” No. 43—P dated 8.07.98.
P–
120BULLETIN OF BANKING STATISTICS № 3 (106)
Individual Indicators Highlights
Securities include bonds (government, munici-pal, commercial), deposit and savings certificates,and other documents related to securities pursuantto effective law.
Investment in debt instruments — includecredit institutions’ funds allocated for purchase ofgovernment securities, bonds, deposit and savingscertificates of various legal entities.
Financial securities in investment portfolio candiffer by issuers:
government debt instruments — all Russiangovernment bonds (GKO, OFZ, etc.) including bondsdenominated in foreign currency;
debt instruments of the Russian Federationmember territories and local authorities — debtinstruments (bonds and other) issued by RussianFederation member territories (including debt in-struments in foreign currency) and local authorities(debt instruments in rubles);
resident credit institutions’ debt instru-ments — bonds, deposit certificates and other se-curities issued by resident credit institutions;
nonresident issuers’ debt instruments —bonds issued by foreign governments, nonresidentbanks, and nonresidents issuer’s other securities;
other debt instruments — bonds, savings anddeposit certificates issued by other legal entities(different from the above).
Investment in shares is defined by:— resident credit institutions’ shares;— nonresidents’ shares, including shares issued
by nonresident banks;— other shares (different from the above).
Credit institutions equity interests in legalentities (affiliated and subsidiary joint—stockcompanies), other participation — records ofcredit institutions’ ownership capital allocated foracquiring interest in authorized capital of residentand nonresident legal entities.
Table 4.3.6Discounted Bills
General Provisions
The table includes data on the value of discountedbills in credit institutions (including overdue bills).
Data are obtained from monthly aggregate bal-ance sheet of Russian operating credit institutions.
Individual Indicators Highlights
Total discounted bills denominated inrubles — value of bills denominated in rubles/for-eign currency and acquired prior to their maturity(including overdue bills).
Total of discounted ruble/foreign currency billsare broken down by promissors:
— bills issued and guaranteed (“avaled”) by federalgovernment;
— bills issued and guaranteed by RF member terri-tories and local authorities;
— bank’s bills;— nonresidents’ bills;— other bills.
Table 4.3.7Average Weighted Interest Rates on
Discounted Bills
General Provisions
The table contains average weighted rates ondiscounted bills and loans secured by credit bills.
Average weighted rates on discounted bills andloans against credit bills (ruble and foreign cur-rency) are shown by maturity.
Data source: monthly financial reporting of oper-ating credit institutions (for compilation guidelinessee the CBR Instruction “On Financial ReportingCompilation ” No. 17 dated 1.10.97).
Individual Indicators Highlights
Interest rates on ruble/US dollar credit bills —interest rates on credit bills—secured loans.
Interest rates on discounted bills denomi-nated in rubles and US dollars, by maturity —interest rates on acquired (discounted) bills.
Average weighted rates on discounted bills orcredit bills—secured loans are defined as follows:
whereVPV
P ,=–
P–
— average weighted interest rate on bills or creditbills—secured loans;P — discount rate defined by the formula for annualyield against maturity, or nominal interest creditrate;V — book value (purchase price) of a discounted billor value of credit bills—secured loan.
Table 4.4Credit Institutions’ Claims and Liabilities
on Financial Derivatives
General Provisions
The table presents credit institutions’ liabilitiesand claims on financial derivatives. Financial for-ward settlement contracts, options, fixed termtransactions included in SWAPs and REPOs whichfall due not earlier than on the third day after com-pleting the contract. Futures transactions are ac-counted off—balance from the contract date till thevalue date. Futures claims on and liabilities to fi-
121BULLETIN OF BANKING STATISTICS № 3 (106)
nancial instruments with market or official prices(rates) are recorded at these prices and discountedin due order.
Credit institutions’ liabilities and claims on finan-cial derivatives are broken down by major financialinstruments (rubles and foreign currency, preciousmetals, securities) and by term of settlement: 2—
30 days, 31—90 days, over 90 days. Total of claimsand liabilities across all financial instruments pre-sented in the table also include amounts due forrepayment “on the following day”.
Data are obtained from monthly aggregate bal-ance sheet (Subsection D “Transactions in Deriva-tives”) of Russian operating credit institutions.