Capital Adequacy

Capital adequacy in accordance with the Basel Capital Accord is presented in the table below.

In 2011, the Group’s core capital adequacy ratio decreased by 0.3 p.p. to 11.6%. In 2011, the Group’s total capital adequacy ratio decreased by 1.6 p.p. to 15.2%. However, the total capital adequacy ratio is notably higher than the minimum 8% ratio set by the Basel Committee.

RUB million 2011 2010
Core capital adequacy ratio 11.6% 11.9%
Total capital adequacy ratio 15.2% 16.8%
CAPITAL COMPONENTS
Core capital
Share capital 87,742 87,742
Share premium 232,553 232,553
Retained earnings 882,766 585,819
Treasury shares (6,962) -
Less goodwill (15,050) (8,251)
Total core capital 1,181,049 897,863
Supplementary capital
Revaluation reserve for premises 81,527 53,648
Fair value reserve for investment securities available for sale (3,357) 13,437
Foreign currency translation reserve (5,692) (1,136)
Subordinated capital 303,518 303,513
Less investments in associates (4,677) (2,479)
Total supplementary capital 371,319 366,983
Total capital 1,552,368 1,264,846
Risk-weighted assets 10,216,842 7,526,973

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