Annual Report 2019 Public Joint-Stock Company Lsr Group
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Annual Report 2017
ANNUAL REPORT 2017 10th Anniversary of IPO BANK SAINT PETERSBURG AT A GLANCE 50 000 1 930 000 Corporate customers Individual customers incl. 48 000 Internet Bank users incl. 960 000 Internet Bank users Assets Kaliningrad RUB bn 1 branch and 5 offices 607 3% of loans th 3% of deposits St. Petersburg 16 in Russia 58 offices 74% of loans 90% of deposits Moscow Novosibirsk 1 branch and 1 office Representative office Retail 24% of loans deposits 7% of deposits RUB bn 206 15th in Russia RECORD RESULTS IN THE HISTORY OF THE BANK: Revenues Net income RUB bn RUB bn 33 7.5 7% 75% BANK SAINT PETERSBURG Annual Report 2017 2 CONTENTS 04 STRATEGIC REPORT 05 Letter from the Management 07 10 years of public story 14 Strategy 2018–2020 Assets 17 FINANCIAL PERFORMANCE 18 Financial Highlights 607 23 Balance Structure 16th in Russia 27 Economic Trends 31 BUSINESS DIVISIONS 32 Corporate Banking 40 Retail Banking 43 Private Banking 44 Digital Banking 48 FROM RISK TO OPPORTUNITY 49 Risk Management 54 Development of credit risk evaluation approach 55 New horizons 56 CREATING WEALTH RESPONSIBLY 57 Customers 59 Colleagues 61 Community 64 Corporate Governance BANK SAINT PETERSBURG Annual Report 2017 3 Стратегический Финансовые Направления От рисков Корпоративная взгляд результаты бизнеса к возможностям ответственность STRATEGIC REPORT In 2017, Bank Saint Petersburg celebrated the 10th anniversary of IPO which was one of the most important events for the Bank and had a significant effect on all its subsequent history. BANK SAINT PETERSBURG Annual Report 2017 4 Стратегический Финансовые Направления От рисков Корпоративная взгляд результаты бизнеса к возможностям ответственность Strategic Financial Business From Risk Creating Wealth Report Performance Divisions to Opportunity Responsibly LETTER FROM THE MANAGEMENT Dear customers, investors and partners, We are pleased to present the annual results of Bank Saint Petersburg and development trends. -
KYMENLAAKSON AMMATTIKORKEAKOULU University of Applied Sciences Energy Engineering Double Degree / Specialization
KYMENLAAKSON AMMATTIKORKEAKOULU University of Applied Sciences Energy Engineering Double Degree / Specialization Iuliia Gerlitc Rinat Biktuganov A REVIEW TO WIND ENERGY UTILIZATION IN NORTH-WEST RUSSIA Bachelor’s Thesis 2013 ABSTRACT KYMENLAAKSON AMMATTIKORKEAKOULU University of Applied Sciences Energy Engineering Gerlitc Iuliia Biktuganov Rinat A Review to Wind Energy Utilization in North-West Russia Bachelor’s Thesis 79 pages + 1 page of appendices Supervisor Mäkelä Merja, Principal Lecturer Commissioned by Empower Oy November 2013 Keywords Wind turbines, electrical grid, and grid connection The problem of using renewable energy sources is studied in this thesis work. The at- tention is concentrated on the feasibilities of using the wind energy in the North-West Russia and on some problems which can appear. Some of them are the place of a pos- sible wind farm, laws of new sources connection, and the protection of the electrical grid. The aim of the work was to realize the possibility of inserting new energy resources into the Russian electrical grid and the importance of using renewables. An answer was sought to the question why the country network had no changes for a long time and what factors are preventing the changes. The study was carried out with the help of technical encyclopedias and energy com- panies official websites. Some information was retrieved through the conversation with specialists from the largest Russian energy companies. The idea of inserting new energy resources in the Russian economy looks very prom- ising. Naturally, some investments and time are needed. In the next few years the problem of renewables will become very actual and then this work will be very useful. -
WCER Problems of Reforming Local Self Governance
Consortium for Economic Policy Research and Advice WCER Canadian Association Institute Working Academy International of Universities for the Economy Center of National Development and Colleges in Transition for Economic Economy Agency of Canada Reform Problems of Reforming Local Selfgovernance: Structural and Financial Aspects Moscow 2005 УДК 352+336.132.11 ББК 65.050.2+65.261.8 P93 Problems of Reforming Local Selfgovernance: Structural and Financial Aspects. M.: IET, 2005. P. 421. Agency CIP RSL Team leader – I. Starodubrovskaya Authors: Chapters 1, 6–7, Introduction, Conclusion – I. Starodubrovskaya; Chapter 2 – I. Starodubrovskaya, M. Slavgorodskaya, T. Letunova; Chapters 3, 4 – M. Slavgorodskaya; Chapter 5 – I. Starodubrovskaya, M. Slavgorodskaya; Chapter 8 – I. Starodubrovskaya, N. Mironova; Chapter 9 – E. Slack, Consulting Inc., Canada; Chapters 10, 12 – H. Kitchen, Department of Economics, The Trent University, Canada; Chapter 11 – G. Gaboury, F. Vaillancourt, Department of Economics, The University of Montreal, Canada. The paper considers territorial models of local selfgovernance that had emerged in Russian regions prior to the reform and their impact on various aspects of municipal establishments' activities. The authors evaluate the regional law in the area of local selfgovernance and interbudgetary relations and consider issues associated with the rise and emergence of territorial foundations of the institute in question until 2003. The authors also analyze reforms undertaken in RF regions in 2004 that addressed the problem of a new territorial structure of local selfgovernance. Individual chapters highlight on international experiences in the area of organization and financing of local administrations. JEL Classification: H11, H70, H77, K10. Editors: Glavatskaya N., Mezentseva K., Serianova S. -
Environmental Assessment Report of the Interreg 2021-2027 South-East Finland – Russia Programme
Environmental assessment report of the Interreg 2021-2027 South-East Finland – Russia Programme President _____________________ Mr. Nikolay Matsukov St-Petersburg 2021 Interreg 2021-2027 South-East Finland-Russia programme Environmental report Brukhanov A.U., Matsukov N.N., Vorobyeva E.A., Vasilev E.V., Oblomkova N.S. SPA ISH Version 30 June 2021 2 The Interreg 2021-2027 South-East Finland - Russia Programme is undergoing a strategic environmental assessment (SEA). The SEA procedure includes several phases: determination of the scope of the environmental assessment, preparation of an environmental report, which includes an assessment of risks from the implementation of the program, consultations / public hearings with environmental authorities and other stakeholders on the content of the environmental report, preparation of the SEA report based on the results of consultations / public hearings. One of the main parts of the SEA is the assessment of possible environmental risks and consequences during the implementation of the program. The task of the experts preparing the report is to assess how ecologically important problems for the region are reflected in the preparation of the program and how they will be taken into account in its further implementation. Such an assessment and the final recommendations of the SEA are extremely relevant, as they are taken into account when developing the final version of the program. 3 Content Introduction .................................................................................................................................... -
The Landscape of the Karelian Isthmus and Its Imagery Since 1944
The landscape of the Karelian Isthmus and its imagery since 1944 GREGORY A. ISACHENKO Isachenko, Gregory A. (2004). The landscape of the Karelian Isthmus and its imagery since 1944. Fennia 182: 1, pp. 47–59. Helsinki. ISSN 0015-0010. This paper traces the correlation between the functions of landscape, its dy- namics under its human influences and the dominant images of its terrain. A great deal of attention is given to Vyborg Karelia – the part of the Karelian Isthmus ceded by Finland to the Soviet Union in 1940. The author considers the consequences on the landscape of population exchange and settlement after 1944, alterations in landscape due to increased recreation, forest protec- tion, the abandonment of agricultural lands, bog drainage and open-cut min- ing. The conclusions reached concerning the landscape imagery of the region are based chiefly on an analysis of texts and pictures from between the 1950s and the 1980s, and the author’s observations and research data. Predominant- ly examined is the perception of the residents of Leningrad (now St. Peters- burg) as being the widest human cross-section vis-à-vis Vyborg Karelia at the period under examination. The radical changes in its imagery during the post- war period were wrought by: 1) great alterations in landscape functions and land use; 2) the loss of historical recollection of past landscapes in the present population; and 3) the strong ideologization of landscape perception during the Soviet period. An integral image, dominating up to now, embodies the principally “recreational model” of landscape development, one which is not completely adequate to the present state of the landscape. -
ENGLISH Burngullow Jc Looe Plymouth Alderney South Devon Kingswear Railway St
KEY to ATLAS LINE TYPES Multiple track main line with inter-city services . HSL denotes a purpose-built High Speed Line. Single track main line with inter-city services . Multiple track secondary line . Single track secondary line. Multiple track freight line. Single track freight line. Line out of use (OOU). The above lines are built to the normal gauge for the country concerned. Ireland uses 1600 mm gauge; Spain and Portugal use the Iberian 1668 mm broad gauge. Finland, Russia, Estonia, Latvia, Lithuania, Belarus, Ukraine and Moldova use the Russian 1520 mm broad gauge; (Finland 1524 mm). All other countries use the European 1435 mm standard gauge. Localised variations and gauge change over points are noted on the maps. Multiple track narrow gauge lines. The gauge is stated on the maps. Single track narrow gauge line. Narrow gauge lines out of use (OOU). LINE COLOURS Black = Non-electrified. Red = 25kV a/c electrification. Blue = 15kV a/c electrification. Brown = 3000V d/c electrification. Green = 1500V d/c electrification. Orange = Electrification at less than 1500V d/c. The voltage stated on the maps. Lavender = 750V d/c third-rail electrification. Grey = Proposed lines; electrification system noted beside it where relevant. Pink = Heritage railways. The steam engine symbol denotes steam traction on some trains. The few electrified heritage railways have a note as to their electrification system. All unusual electrification systems are noted on the maps and shown in the nearest suitable colour. UE (in the relevant colour) denotes a line undergoing electrification work. LOCATIONS & SYMBOLS Passenger station - Heritage line station - Proposed station - Border customs station. -
Distribution and Spread of Bark Beetles (Coleoptera: Scolytidae)
© Entomologica Fennica. 22 December 2004 Distribution and spread of bark beetles (Coleoptera: Scolytidae) around the Gulf of Finland: a comparative study with notes on rare species of Estonia, Finland and North-Western Russia Kaljo Voolma, Mikhail J. Mandelshtam, Alexander N. Shcherbakov, Eugene B. Yakovlev, Heino Õunap, Ilmar Süda, Boris G. Popovichev, Tatiana V. Sharapa, Tamara V. Galasjeva, Roman R. Khairetdinov, Vladimir A. Lipatkin & Ekaterina G. Mozolevskaya Voolma, K., Mandelshtam, M. J., Shcherbakov, A. N., Yakovlev, E. B., Õunap, H., Süda, I., Popovichev, B. G., Sharapa, T. V., Galasjeva, T. V., Khairetdinov, R. R., Lipatkin, V. A. & Mozolevskaya, E. G. 2004: Distribution and spread of bark beetles (Coleoptera: Scolytidae) around the Gulf of Finland: a comparative study with notes on rare species of Estonia, Finland and North-Western Russia. — Entomol. Fennica 15: 198–210. A long-term faunistic study of bark beetles (Coleoptera: Scolytidae), conducted in Estonia, as well as in Karelia, Leningrad (St. Petersburg) and Murmansk prov- inces of Russia, enables a comparison of the species composition of bark beetles in the regions bordering Finland. Altogether the distribution patterns of 83 spe- cies of scolytids are examined. The northern borders of the distribution range for Scolytus scolytus, S. multistriatus, S. laevis, Hylastes ater, H. opacus, Ortho- tomicus longicollis, Pityogenes trepanatus, Ips amitinus and Cryphalus abietis in Northern Europe are redefined. The list of bark beetles for Estonia and North- Western Russia (Karelia, Leningrad and Murmansk provinces) with their occur- rence in some biogeographical provinces of Fennoscandia (Ik, Kl, Kon, Ks, Kk, Lim) is given. Recent records of bark beetles, endangered or rare in Finland, and their current distribution in the neighbouring regions are discussed. -
NW-Nettiversio Engl
FINNISH-RUSSIAN DEVELOPMENT PROGRAMME ON SUSTAINABLE FOREST MANAGEMENT AND CONSERVATION OF BIOLOGICAL DIVERSITY IN NORTHWEST RUSSIA Second Phase (NWRDP II) for 2001-2004 Editorial . 2 Presentation of the NWRDP, Phase II . 3 1. Nature protection projects . 6 s 1.1. Good news for the Onezhskoye Pomorye National Park . 6 V.Yefimov Head of the protected areas and biodiversity section, Institute for Northern ecology, The Urals Department of the Russian Academy of Sciences 1.2. National parks under development in Karelia . 9 J. Högmander, Metsähallitus (Finnish Forest and Park Service) 1.3. Nature protected areas network in the Karelian Isthmus: current status and future development . 11 D. Kovaljev, G. Noskov, Institute of Biology, University of St. Petersburg 1.4. National nature reserve ”Ingermanlandsky” background and development prospects . 13 A.Gaginskaja, G. Noskov, D. Kovaljev, State University of St. Petersburg, Research Institute of Biology 2. Forestry projects . 16 2.1. Landscape Ecological Planning of Forestry on the Karelian Isthmus . 16 Zoltan Kosy, Metsähallitus (Finnish Forest and Park Service) 2.2. Sustainable Forest Management in the Kargopol District of the Arkhangelsk Region . 18 Pasi Poikonen, Indufor Oy Article 3. International projects . 21 3.1. The Second Meeting of the International Contact Forum on Habitat Conservation in the Barents Region in Petrozavodsk, November 26–29, 2001 . 21 Riitta Hemmi 3.2. WWF Arctic Bulletin - “CAFF Delivers Report on Arctic Flora and Fauna” . 22 Henry Huntington 3.3. Barents Forest Sector Programme . 25 Paavo Pelkonen, The university of Joensuu Foreword ○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○○ After the completion of the first phase of the Finnish-Russian Develop- ment Programme on Sustainable Forest Management and Conservation of Biological Diversity in Northwest Russia (NWRDP) in 1997–2000, the Programme has entered its second phase for the years 2001-2004. -
Chronology of Vegetation and Paleoclimatic Stages of Northwestern Russia During the Late Glacial and Holocene
RADIOCARBON, Vol 41, Nr 1, 1999, p 25-45 ©1999 by the Arizona Board of Regents on behalf of the University of Arizona CHRONOLOGY OF VEGETATION AND PALEOCLIMATIC STAGES OF NORTHWESTERN RUSSIA DURING THE LATE GLACIAL AND HOLOCENE Kh A Arslanovl L A Saveljeval N A Geyl V A Klimanov2 S B Chernovl G M Chernova3 G F Kuzmin4 T V Tertychnayal D A Subettos V P Denisenkov3 ABSTRACT. We have studied 6 reference sections of bog and lake sediments in the Leningrad and Novgorod provinces to develop a geochronological scale for vegetational and paleoclimatic changes in northwestern Russia during the Late Glacial and Holocene. Every 10-cm layer along the peat and gyttja sections (4-8.5 m thick) was investigated palynologically and the great majority of them were radiocarbon dated. Using the data obtained, standard palynological diagrams were plotted and vegetation history reconstructed. The palynozones indicated on the diagrams were related to the climatic periods and subpe- riods (phases) of the Blytt-Sernander scheme. On the basis of 230'4C dates obtained, we derived the geochronology of cli- matic periods and phases, as well as the chronology for the appearance and areal distribution of forest-forming tree species. The uppermost peat layers were dated by using the "bomb effect". We compared the stages of Holocene vegetation and pale- oclimatic changes discovered for the Leningrad and Novgorod provinces with the those obtained for Karelia, which we had studied earlier using the same methodology. INTRODUCTION The climatic-geochronological division of the Holocene has been based on recognition of climatic periods and phases using the Blytt-Sernander scheme. -
Mining Production As a Factor of Transformation of Soils and Soil Cover
E3S Web of Conferences 265, 03011 (2021) https://doi.org/10.1051/e3sconf/202126503011 APEEM 2021 Mining production as a factor of transformation of soils and soil cover Yulya Timofeeva1,* and Elena Sukhacheva1,2 1V.V. Dokuchaev Soil Science Institute, 109017, Moscow, Pyzhevsky lane, 7, Russia 2St. Petersburg University, 199034 Saint-Petersburg University embankment 7/9, Russia Abstract. The article describes the component composition of the soil cover in the areas of mining granite material near Kuznechnoe, Leningrad region. Nonsoils formations take about 50 per cent of the study area. There are natural and varying degrees disturbed soils in this area around excavations of the quarry. Soils with Novic qualifiers are formed along the access roads to the quarry. There are stratified natural soils are diagnosed around the quarry in the direction of the rose diagram. Lithic Leptosol are formed at the crushed granite storage site. The degree of transformation of the component composition of the soil cover depends on anthropogenic activity in the territory adjacent to granite quarry has been defined. The article outlines the characteristics of the altered structure of the soil cover. 1 Introduction The diversity of natural soils of any region depends on the well-known factors of soil formation: climate, terrain, rock formations, biota, and time. In the prevailing territory of North-West Russia, the soil cover began to form after glaciers melted about 10,000 years ago and since then it has been relatively stable for many centuries. However, in recent decades, the anthropogenic factor has become increasingly important in the formation of the soil cover. -
Intergovernmental Fiscal Relations in Leningrad Region
International Studies Program Working Paper 99-2 March 1999 Intergovernmental Fiscal Relations in Leningrad Region IGR Team Roy Bahl Andre Timofeev Galina Kourliandskaia Alexander Derugin John Mikesell Yelena Nikolayenko Sally Wallace Inna Verbina Natalia Golovanova Natasha Minkova Dmitry Shiskin INTERGOVERNMENTAL FISCAL RELATIONS IN LENINGRAD REGION TABLE OF CONTENTS TABLE OF CONTENTS..........................................................................................................................i EXECUTIVE SUMMARY......................................................................................................................iv INTRODUCTION ............................................................................................................................1 PUBLIC FINANCES OF THE REGION AND THE REGIONAL GOVERNMENT ..............................................2 Leningrad Regional Economy .......................................................................................................2 Governance ........................................................................................................................4 Economic Structure.............................................................................................................4 Growth Potential of the Economy ........................................................................................5 Intra-Regional Disparities ....................................................................................................7 Budgetary Position in -
Atlas of High Conservation Value Areas, and Analysis of Gaps and Representativeness of the Protected Area Network in Northwest Russia
Atlas of high conservation value areas, and analysis of gaps and representativeness of the protected area network in northwest Russia Arkhangelsk, Vologda, Leningrad, and Murmansk Regions, Republic of Karelia, and City of St. Petersburg Konstantin Kobyakov and Jevgeni Jakovlev (eds.) Atlas of high conservation value areas, and analysis of gaps and representativeness of the protected area network in northwest Russia Arkhangelsk, Vologda, Leningrad, and Murmansk Regions, Republic of Karelia, and City of St. Petersburg Konstantin Kobyakov and Jevgeni Jakovlev (eds.) The English Revised Edition Helsinki 2013 Finnish Environment Institute Atlas of high conservation value areas, and analysis of gaps and representativeness of the protected area network in northwest Russia: Arkhangelsk, Vologda, Leningrad, and Murmansk Regions, Republic of Karelia, and City of St. Petersburg Konstantin Kobyakov & Jevgeni Jakovlev (eds.) Revised English Edition based on the publication: Sokhranenie tsennykh prirodnykh territoriy Severo-Zapada Rossii. Analiz reprez- entativnosti seti OOPT Arkhangelskoi, Vologodskoi, Leningradskoi i Murmanskoi oblastei, Respubliki Karelii, Sankt-Peterburga/ Kollektiv avtorov. Pod red. Kobyak- ova, K.N. Sankt-Peterburg. 2011. 506 s. W WMV F TTUXF H Q R V P W UP UP! PSW U The English Revised Edition. Helsinki 2013 Editorial board: Tapio Lindholm, Raimo Heikkilä, Anna Kuhmonen & Jyri Mikkola Translated into English and revised by Jevgeni Jakovlev with assistance from Don Welsh. Layout and design of the English Edition by Pirjo Appelgren, Finnish Environment Institute. Editing maps for the English Edition by Jani Huotari & Jevgeni Jakovlev, Finnish En- vironment Institute. Figures: 105; tables: 22; photographs: 88; maps (scale 1: 300 000): 259; 257pp; bibliography: 246. English Edition: © Finnish Environment Institute This publication is also available on the Internet at www.syke.fi/nature/nwrussia.