Kuap. Ru - Balance sheet of ЭЛ БАНК, analysis of f.101

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	EL BANK	add to comparison
Central Bank of Russia registration number: 1025 retail funding

On this page you can see aggregated balance sheet of the bank. Click on any amount to get details. To compare with the other date choose it from the list. To view dynamics on the chart click on the icon on the right (opens in new window, requires flash-player). You can also get acquainted with balance sheet aggregation methodics.

This variant of balance sheet is adjusted to include the following corrections (as compared to f. 101):- provision for impairment on overdue loans which according to 385-p are not divided to corporate and individuals, are distributed between corporate cliens and individuals proportionaly to amount of loans past due. Such method is not 100% precise but it allows to better measure provision rate.


Balance sheet position, thous. rub.			Period change
ASSETS	5 728 692	5 728 692
High liquid assets	84 010	84 010
Cash and equivalents	64 962	64 962
Cash	39 192	39 192
in cash and en route	28 525	28 525
in ATMs	10 667	10 667
Nostro account with Central Bank	25 770	25 770
Nostro accounts	13 309	13 309
Non-residents	126	126
Residents	13 183	13 183
Money in transfer	5 739	5 739
Interest-earning assets	3 855 314	3 855 314
Securities	7 349	7 349
Promissory notes	7 349	7 349
Corporate	9 302	9 302
Provision for impairment of promissory notes	-1 953	-1 953
Loans to corporate clients	3 570 974	3 570 974
residents	3 753 848	3 753 848
up to 180 days	40 029	40 029
up to 1 year	653 134	653 134
up to 3 years	2 113 304	2 113 304
more than 3 years	947 381	947 381
Past-due	522 627	522 627
residents	522 627	522 627
Provision for impairment of corporate loans	-705 501	-705 501
residents	-705 501	-705 501
Loans to private entrepreneurs	25 972	25 972
up to 3 years	1 519	1 519
more than 3 years	1 506	1 506
Past-due	31 728	31 728
Provision for impairment of loans to private entrepreneurs	-8 781	-8 781
Loans to individuals	251 019	251 019
Standard	136 415	136 415
up to 30 days	111	111
up to 180 days	1 142	1 142
up to 1 year	3 221	3 221
up to 3 years	14 247	14 247
more than 3 years	117 694	117 694
Past-due	164 307	164 307
Past-due	164 307	164 307
Provision for impairment of loans to individuals	-49 703	-49 703
Other assets	1 789 368	1 789 368
Mandatory reserves with Central Bank	95 035	95 035
Premises and equipment	421 960	421 960
Purchase cost	512 106	512 106
Depreciation	-90 146	-90 146
Accrued interest not yet received	400 135	400 135
Other assets	1 074 104	1 074 104
Provision for impairment of other assets	-203 281	-203 281
Deferred tax asset	1 415	1 415
LIABILITIES	5 628 613	5 628 613
Dues to banks	156	156
Other dues to banks	156	156
On demand	298 082	298 082
Corporate clients	64 739	64 739
Residents	64 739	64 739
Individuals	233 343	233 343
Residents	233 309	233 309
Non-residents	34	34
Term	5 065 196	5 065 196
Corporate clients	233 640	233 640
Residents	233 640	233 640
up to 180 days	10 000	10 000
up to 1 year	19 134	19 134
up to 3 years	1	1
more than 3 years	204 505	204 505
Individuals	4 831 556	4 831 556
residents	4 830 013	4 830 013
up to 180 days	493 637	493 637
up to 1 year	572 637	572 637
up to 3 years	2 330 846	2 330 846
more than 3 years	1 432 893	1 432 893
non-residents	1 543	1 543
up to 1 year	450	450
up to 3 years	973	973
more than 3 years	120	120
Securities issued	168 509	168 509
Promissory notes	168 509	168 509
more than 3 years	457 597	457 597
Discount accrued	-289 088	-289 088
Other liabilities	96 670	96 670
Other liabilities	31 316	31 316
Accrued interest not yet paid	52 633	52 633
Liabilities past-due	11 006	11 006
Deferred tax liabilities	1 715	1 715
EQUITY	100 079	100 079
Capital	633 072	633 072
Profit from previous years	19 059	19 059
Retained earnings from previous years	19 059	19 059
Current year profit	-552 015	-552 015
Current year retained earnings	-552 015	-552 015
Future expenses	-37	-37
OFF-BALANCE SHEET	6 275 611	6 275 611
Contingent liabilities	-47 022	-47 022
Unused credit limits opened	-31 122	-31 122
Unused guarantee limits	-15 900	-15 900
Collateral on loans	5 412 980	5 412 980
goods	4 949 715	4 949 715
securities	463 265	463 265
Unprocessed payments	953 738	953 738
Due to lack of funds on client accounts	953 738	953 738
Other off-balance sheet accounts	-44 085	-44 085
Accrued interest not yet received	15 428	15 428
Written-off interest	-4 193	-4 193
Written-off loans	-55 320	-55 320
Credit card balances	111	111
Risk-weighted assets	6 649 813	6 649 813
Reserve rates:
Customer loans, total:	-16,47%	-100,0%
including corporate loans:	-16,57%	-100,0%
including individual loans:	-16,53%	-100,0%
Past-due rate:	-15,58%	-100,0%
corporate clients:	-12,86%	-100,0%
individuals:	-54,64%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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