Financial reporting

Security functioning norms fulfillment

CJSC “Zepter Bank” as of 01.05.2012

 

norms for newly opened banks

value

minimal amount of the regulatory capital, equivalent in mln. euro

 at least 25  26.0

regulatory capital, mln. rub.

 

277 914.6

authorized fund, mln. rub.

 

149 487.0

ratio of obtained funds from private individuals and assets with limited risk, units

maximum 1

0.1

capital sufficiency indicators:

 

 

regulatory capital sufficiency, %

at least 8

42.2

capital stock sufficiency, %

at least 4

21.8


 

liquidity indicators:

as of  01.05.2012

min value on april 2012

max value on april 2012

ration of liquid and total assets, %

at least  20

38.1

36.5

44.3

- momentary liquidity, %

at least  20

474.6

416.9

749.4

- current liquidity, %

at least  70

396.4

239.5

406.0

- short-term liquidity, units

at least  1

10.8

6.0

13.9



Data of actual and require reserves for potential losses on assets and operations
not covered by the balance as of 01.05.2012
  Estimated reserve amount, mln. rub.  Actual amount, mln. rub
on assets subject to credit risks 6 986.7 6 985.5
under depreciation of securities 1 167.5 1 167.5
on contingent liabilities 778.1 778.1

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