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

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	AVTOGRADBANK	add to comparison
Central Bank of Russia registration number: 1455 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	5 550 319	5 550 319
High liquid assets	316 597	316 597
Cash and equivalents	266 590	266 590
Cash	223 773	223 773
in cash and en route	190 409	190 409
in ATMs	33 364	33 364
Nostro account with Central Bank	42 817	42 817
Nostro accounts	30 495	30 495
Residents	30 495	30 495
Money in transfer	20 593	20 593
Provision for impairment of high-liquid assets	-1 081	-1 081
Interest-earning assets	4 368 217	4 368 217
Dues from banks	390 101	390 101
Central Bank of Russia	387 000	387 000
Residents	3 175	3 175
up to 30 days	3 175	3 175
Loans past-due	5 653	5 653
residents	5 653	5 653
Provision for impairment of loans to banks	-5 727	-5 727
Securities	99 456	99 456
Bonds	99 456	99 456
Federal Loan Bonds (OFZs), OBRs	100 742	100 742
Valuation allowance	-1 286	-1 286
Loans to corporate clients	2 638 846	2 638 846
residents	2 692 916	2 692 916
up to 30 days	193 488	193 488
up to 180 days	418 175	418 175
up to 1 year	1 280 015	1 280 015
up to 3 years	259 194	259 194
more than 3 years	542 044	542 044
Past-due	42 729	42 729
residents	42 729	42 729
Provision for impairment of corporate loans	-96 799	-96 799
residents	-96 799	-96 799
Loans to private entrepreneurs	172 185	172 185
up to 30 days	743	743
up to 180 days	18 506	18 506
up to 1 year	24 530	24 530
up to 3 years	33 369	33 369
more than 3 years	95 829	95 829
Past-due	1 753	1 753
Provision for impairment of loans to private entrepreneurs	-2 545	-2 545
Loans to individuals	1 067 629	1 067 629
Standard	1 130 339	1 130 339
up to 30 days	103	103
up to 1 year	3 238	3 238
up to 3 years	188 866	188 866
more than 3 years	938 132	938 132
Past-due	86 362	86 362
Past-due	86 362	86 362
Provision for impairment of loans to individuals	-149 072	-149 072
Other assets	865 505	865 505
Mandatory reserves with Central Bank	9 233	9 233
Premises and equipment	590 148	590 148
Purchase cost	692 516	692 516
Depreciation	-102 368	-102 368
Accrued interest not yet received	17 615	17 615
Other assets	307 864	307 864
Provision for impairment of other assets	-59 355	-59 355
LIABILITIES	4 705 682	4 705 682
On demand	1 067 259	1 067 259
Corporate clients	726 702	726 702
Residents	726 252	726 252
Non-residents	450	450
Individuals	340 557	340 557
Residents	339 695	339 695
Non-residents	862	862
Term	3 501 131	3 501 131
Corporate clients	196 980	196 980
Residents	196 980	196 980
up to 180 days	75 400	75 400
up to 1 year	84 080	84 080
up to 3 years	17 500	17 500
more than 3 years	20 000	20 000
Individuals	3 304 151	3 304 151
residents	3 303 151	3 303 151
up to 3 years	3 268 256	3 268 256
more than 3 years	34 895	34 895
non-residents	1 000	1 000
up to 3 years	1 000	1 000
Other liabilities	137 292	137 292
Other liabilities	70 075	70 075
Accrued interest not yet paid	14 251	14 251
Deferred tax liabilities	52 966	52 966
EQUITY	844 637	844 637
Capital	351 763	351 763
Profit from previous years	489 005	489 005
Retained earnings from previous years	489 005	489 005
Current year profit	3 869	3 869
Current year retained earnings	3 869	3 869
OFF-BALANCE SHEET	4 136 741	4 136 741
Unused credit limits available	200 000	200 000
Contingent liabilities	-562 904	-562 904
Unused credit limits opened	-562 904	-562 904
Collateral on loans	4 748 881	4 748 881
goods	4 605 520	4 605 520
securities	143 361	143 361
Unprocessed payments	136 288	136 288
Due to lack of funds on client accounts	136 288	136 288
Other off-balance sheet accounts	-385 524	-385 524
Written-off interest	-34 817	-34 817
Written-off loans	-350 707	-350 707
Credit card balances	103	103
Risk-weighted assets	6 153 152	6 153 152
Reserve rates:
Loans to banks:	-1,45%	-100,0%
Customer loans, total:	-5,78%	-100,0%
including corporate loans:	-3,41%	-100,0%
including individual loans:	-12,25%	-100,0%
Past-due rate:	-3,17%	-100,0%
corporate clients:	-1,53%	-100,0%
individuals:	-7,10%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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