General trends
The Group’s liability structure is dominated by retail and corporate customer funds totaling 10.2 trln RUB, or 75.5% of total liabilities as of end 2012.
The Group increased borrowings from banks by a considerable 920 bln RUB (up 172.8% y-o-y); 66.7% of this incremental addition is attributable to repo operations mainly with the Central Bank of Russia.
| bln RUB |
December 31, 2012 |
December 31, 2011 |
Change, RUB bln |
Change, % |
|---|---|---|---|---|
|
Due to banks |
1,452.4 |
532.4 |
920.0 |
172.8% |
|
Due to individuals |
6,983.2 |
5,726.3 |
1,256.9 |
21.9% |
|
Due to corporate customers |
3,196.1 |
2,205.8 |
990.3 |
44.9% |
|
Debt securities in issue |
691.7 |
268.7 |
423.0 |
157.4% |
|
Other borrowed funds |
469.2 |
244.0 |
225.2 |
92.3% |
|
Deferred income tax liability |
33.2 |
21.2 |
12.0 |
56.6% |
|
Other financial liabilities |
199.7 |
222.8 |
(23.1) |
-10.4% |
|
Other non-financial liabilities |
63.4 |
42.4 |
21.0 |
49.5% |
|
Subordinated debt | 384.7 |
303.5 |
81.2 |
26.8% |
|
Total |
13,473.6 |
9,567.1 |
3,906.5 |
40.8% |