Kuap. Ru - Balance sheet of КОСТРОМАСЕЛЬКОМБАНК, analysis of f.101

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	KOSTROMASELKOMBANK	add to comparison
Central Bank of Russia registration number: 1115

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	2 156 342	2 156 342
High liquid assets	118 608	118 608
Cash and equivalents	117 206	117 206
Cash	82 297	82 297
in cash and en route	63 436	63 436
in ATMs	18 861	18 861
Nostro account with Central Bank	34 909	34 909
Nostro accounts	1 434	1 434
Residents	1 434	1 434
Money in transfer	202	202
Provision for impairment of high-liquid assets	-234	-234
Interest-earning assets	1 938 921	1 938 921
Dues from banks	924 260	924 260
Central Bank of Russia	10 000	10 000
Residents	915 000	915 000
up to 30 days	915 000	915 000
Loans past-due	3 150	3 150
residents	3 150	3 150
Provision for impairment of loans to banks	-3 890	-3 890
Loans to corporate clients	178 238	178 238
residents	237 418	237 418
up to 1 year	3 530	3 530
up to 3 years	64 292	64 292
more than 3 years	169 596	169 596
Past-due	9 235	9 235
residents	9 235	9 235
Provision for impairment of corporate loans	-68 415	-68 415
residents	-68 415	-68 415
Loans to private entrepreneurs	158 841	158 841
up to 1 year	4 558	4 558
up to 3 years	56 563	56 563
more than 3 years	98 333	98 333
Past-due	1 125	1 125
Provision for impairment of loans to private entrepreneurs	-1 738	-1 738
Loans to individuals	677 582	677 582
Standard	686 583	686 583
up to 30 days	1 888	1 888
up to 1 year	2 527	2 527
up to 3 years	84 431	84 431
more than 3 years	597 737	597 737
Past-due	73 675	73 675
Past-due	73 675	73 675
Provision for impairment of loans to individuals	-82 676	-82 676
Other assets	98 813	98 813
Mandatory reserves with Central Bank	2 932	2 932
Premises and equipment	48 510	48 510
Purchase cost	119 295	119 295
Depreciation	-70 785	-70 785
Accrued interest not yet received	2 617	2 617
Other assets	58 475	58 475
Provision for impairment of other assets	-13 721	-13 721
LIABILITIES	1 869 914	1 869 914
On demand	410 207	410 207
Corporate clients	387 994	387 994
Residents	387 994	387 994
Individuals	22 213	22 213
Residents	22 154	22 154
Non-residents	59	59
Term	1 450 887	1 450 887
Corporate clients	725 320	725 320
Residents	725 320	725 320
up to 180 days	22 560	22 560
up to 1 year	124 000	124 000
up to 3 years	257 900	257 900
more than 3 years	320 860	320 860
Individuals	725 567	725 567
residents	725 567	725 567
up to 180 days	24 225	24 225
up to 1 year	691 325	691 325
up to 3 years	10 017	10 017
Other liabilities	8 820	8 820
Other liabilities	8 407	8 407
Accrued interest not yet paid	413	413
EQUITY	286 428	286 428
Capital	253 638	253 638
Profit from previous years	25 146	25 146
Retained earnings from previous years	25 146	25 146
Current year profit	7 644	7 644
Current year retained earnings	7 644	7 644
OFF-BALANCE SHEET	3 732 490	3 732 490
Contingent liabilities	-44 287	-44 287
Unused credit limits opened	-44 287	-44 287
Collateral on loans	2 696 506	2 696 506
goods	2 696 506	2 696 506
Unprocessed payments	1 137 920	1 137 920
Due to lack of funds on client accounts	1 137 920	1 137 920
Other off-balance sheet accounts	-57 649	-57 649
Written-off interest	-19 539	-19 539
Written-off loans	-38 110	-38 110
Credit card balances	1 888	1 888
Risk-weighted assets	1 768 505	1 768 505
Reserve rates:
Loans to banks:	-0,42%	-100,0%
Customer loans, total:	-11,52%	-100,0%
including corporate loans:	-17,23%	-100,0%
including individual loans:	-10,87%	-100,0%
Past-due rate:	-7,20%	-100,0%
corporate clients:	-2,54%	-100,0%
individuals:	-9,69%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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