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Notes to the accounts: where the interesting part lives

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Notes to the accounts: where the interesting part lives — Financial statements
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A set of accounts consists of several statements and dozens of pages of notes. The figures are in the statements; the substance is in the notes.

What is in them

Accounting policy: the rules by which revenue is recognised, assets are valued, depreciation is charged. A change of policy can change profit without changing the business.

Related party transactions: dealings with companies affiliated with the main shareholder — Corporate governance: why a minority shareholder should care.

Debt structure: maturities, currency, rates, covenants. The statement shows only the total; the notes show when and on what terms it has to be paid.

Contingent liabilities: litigation and guarantees that have not become an expense yet but might.

Segment information: revenue and profit broken down by business line and geography.

Currency composition

For exporters and companies with foreign-currency debt this is one of the most important sections: it determines how the result depends on the exchange rateExporters and the exchange rate: who gains from a weak rouble.

The auditor's report

A separate document. A modified opinion or a qualification is a serious signal that appears nowhere in the numbers.

Related: Where to find a Russian company's accounts and The balance sheet: what a company owns and what it owes.

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