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

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Central Bank of Russia registration number: 121 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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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	70 848 268	70 848 268
High liquid assets	5 201 211	5 201 211
Cash and equivalents	3 837 479	3 837 479
Cash	1 338 267	1 338 267
in cash and en route	1 303 453	1 303 453
in ATMs	32 563	32 563
precious metals	2 251	2 251
Nostro account with Central Bank	2 499 212	2 499 212
Nostro accounts	742 200	742 200
Non-residents	440 182	440 182
Residents	302 018	302 018
Money in transfer	634 740	634 740
Provision for impairment of high-liquid assets	-13 208	-13 208
Interest-earning assets	68 639 873	68 639 873
Dues from banks	338 472	338 472
Non-residents	338 506	338 506
up to 30 days	338 506	338 506
Provision for impairment of loans to banks	-34	-34
Securities	42 125 081	42 125 081
Bonds	24 921 313	24 921 313
Federal Loan Bonds (OFZs), OBRs	11 056 940	11 056 940
Valuation allowance	-4 276 563	-4 276 563
Pledged under REPO	18 140 936	18 140 936
Stocks	17 203 768	17 203 768
Residents	3 878 761	3 878 761
Non-residents	547 334	547 334
Valuation allowance	1 144 674	1 144 674
Pledged under REPO	11 632 999	11 632 999
Loans to corporate clients	24 974 439	24 974 439
residents	29 616 244	29 616 244
up to 30 days	48	48
up to 180 days	136 274	136 274
up to 1 year	6 792 664	6 792 664
up to 3 years	10 573 170	10 573 170
more than 3 years	12 114 088	12 114 088
non-residents	280 143	280 143
more than 3 years	280 143	280 143
Past-due	2 928 152	2 928 152
residents	2 928 146	2 928 146
non-residents	6	6
Provision for impairment of corporate loans	-7 850 100	-7 850 100
residents	-7 850 070	-7 850 070
non-residents	-30	-30
Loans to private entrepreneurs	133	133
Past-due	203	203
Provision for impairment of loans to private entrepreneurs	-70	-70
Loans to individuals	1 201 748	1 201 748
Standard	1 881 492	1 881 492
up to 30 days	9 599	9 599
up to 1 year	10 100	10 100
up to 3 years	1 312 724	1 312 724
more than 3 years	549 069	549 069
Past-due	337 784	337 784
Past-due	337 784	337 784
Provision for impairment of loans to individuals	-1 017 528	-1 017 528
Other assets	-2 992 816	-2 992 816
Mandatory reserves with Central Bank	171 394	171 394
Premises and equipment	1 067 854	1 067 854
Purchase cost	1 454 796	1 454 796
Depreciation	-386 942	-386 942
Accrued interest not yet received	1 029 175	1 029 175
Other assets	-2 372 084	-2 372 084
Provision for impairment of other assets	-3 227 448	-3 227 448
Derivatives - assets	338 293	338 293
LIABILITIES	37 121 277	37 121 277
Dues to banks	17 543 242	17 543 242
Term	17 543 242	17 543 242
Central Bank of Russia	2 902 865	2 902 865
other	2 902 865	2 902 865
Residents	14 640 377	14 640 377
up to 30 days	14 640 377	14 640 377
On demand	7 209 848	7 209 848
Corporate clients	3 205 701	3 205 701
Residents	2 644 963	2 644 963
Non-residents	560 738	560 738
Individuals	1 668 663	1 668 663
Residents	1 654 647	1 654 647
Non-residents	14 016	14 016
Brokerage accounts	2 335 484	2 335 484
Residents	2 105 285	2 105 285
Non-residents	230 199	230 199
Term	9 702 889	9 702 889
Corporate clients	6 720 471	6 720 471
Residents	6 720 471	6 720 471
up to 30 days	6 586 730	6 586 730
up to 180 days	74 704	74 704
up to 1 year	59 037	59 037
Individuals	2 982 418	2 982 418
residents	2 978 946	2 978 946
up to 180 days	2 031 157	2 031 157
up to 1 year	394 974	394 974
up to 3 years	552 815	552 815
non-residents	3 472	3 472
up to 3 years	3 472	3 472
Securities issued	1 465 573	1 465 573
Promissory notes	1 435 573	1 435 573
up to 180 days	194 394	194 394
up to 1 year	672 822	672 822
up to 3 years	563 927	563 927
more than 3 years	4 430	4 430
Depositary certificates	30 000	30 000
more than 180 days	30 000	30 000
Other liabilities	1 199 725	1 199 725
Other liabilities	784 417	784 417
Accrued interest not yet paid	216 447	216 447
Derivatives - liabilities	198 861	198 861
EQUITY	33 726 991	33 726 991
Capital	7 700 285	7 700 285
Profit from previous years	29 607 161	29 607 161
Retained earnings from previous years	29 607 161	29 607 161
Current year profit	-3 580 455	-3 580 455
Current year retained earnings	-3 580 455	-3 580 455
OFF-BALANCE SHEET	504 856	504 856
Contingent liabilities	-15 547 252	-15 547 252
Guarantees issued	-7 698 111	-7 698 111
Unused credit limits opened	-3 972 773	-3 972 773
Unused guarantee limits	-3 876 368	-3 876 368
Collateral on loans	17 370 675	17 370 675
goods	16 091 695	16 091 695
securities	1 278 980	1 278 980
Unprocessed payments	208 816	208 816
Due to lack of funds on client accounts	208 816	208 816
Other off-balance sheet accounts	-1 527 383	-1 527 383
Written-off interest	-157 809	-157 809
Written-off loans	-1 369 574	-1 369 574
Credit card balances	9 599	9 599
Risk-weighted assets	105 081 268	105 081 268
Reserve rates:
Loans to banks:	-0,01%	-100,0%
Customer loans, total:	-25,30%	-100,0%
including corporate loans:	-23,92%	-100,0%
including individual loans:	-45,85%	-100,0%
Past-due rate:	-9,32%	-100,0%
corporate clients:	-8,92%	-100,0%
individuals:	-15,22%	-100,0%