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

	SVYAZ-BANK	add to comparison
Central Bank of Russia registration number: 1470 state-controlled, 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	181 516 627	181 516 627
High liquid assets	37 311 906	37 311 906
Cash and equivalents	7 607 158	7 607 158
Cash	1 758 825	1 758 825
in cash and en route	1 655 983	1 655 983
in ATMs	101 299	101 299
precious metals	1 543	1 543
Nostro account with Central Bank	5 848 333	5 848 333
Nostro accounts	29 632 953	29 632 953
Non-residents	195 963	195 963
Residents	29 436 990	29 436 990
Money in transfer	101 775	101 775
Provision for impairment of high-liquid assets	-29 980	-29 980
Interest-earning assets	146 590 236	146 590 236
Dues from banks	5 290 500	5 290 500
Residents	3 000 000	3 000 000
up to 180 days	3 000 000	3 000 000
Non-residents	2 302 210	2 302 210
up to 180 days	2 302 210	2 302 210
Loans past-due	4 321	4 321
residents	4 321	4 321
Provision for impairment of loans to banks	-16 031	-16 031
Securities	38 508 750	38 508 750
Bonds	33 838 895	33 838 895
Federal Loan Bonds (OFZs), OBRs	1 426 524	1 426 524
Corporate bonds	23 369 218	23 369 218
Financial institutions bonds	9 217 064	9 217 064
Valuation allowance	349 675	349 675
Past-due	3 194 460	3 194 460
Provision for impairment of bonds	-3 718 046	-3 718 046
Promissory notes	4 669 849	4 669 849
Banks	4 683 418	4 683 418
Provision for impairment of promissory notes	-13 569	-13 569
Stocks	6	6
Residents	758 650	758 650
Valuation allowance	-758 644	-758 644
Loans to corporate clients	25 394 483	25 394 483
residents	23 117 512	23 117 512
up to 30 days	7 218	7 218
up to 180 days	2 315 008	2 315 008
up to 1 year	9 905 989	9 905 989
up to 3 years	2 692 779	2 692 779
more than 3 years	8 196 518	8 196 518
non-residents	207 933	207 933
up to 30 days	207 933	207 933
state-owned enterprises	2 866	2 866
more than 3 years	2 866	2 866
Past-due	29 413 663	29 413 663
residents	29 335 442	29 335 442
non-residents	538	538
state-owned enterprises	77 683	77 683
Provision for impairment of corporate loans	-27 347 491	-27 347 491
residents	-27 276 856	-27 276 856
non-residents	-472	-472
state-owned enterprises	-70 163	-70 163
Loans to private entrepreneurs	20 740	20 740
up to 3 years	613	613
more than 3 years	5 973	5 973
Past-due	155 119	155 119
Provision for impairment of loans to private entrepreneurs	-140 965	-140 965
Loans to individuals	77 375 763	77 375 763
Standard	79 389 510	79 389 510
up to 30 days	126 755	126 755
up to 180 days	1 467	1 467
up to 1 year	23 012	23 012
up to 3 years	1 020 651	1 020 651
more than 3 years	78 217 625	78 217 625
Past-due	6 727 639	6 727 639
Past-due	6 727 639	6 727 639
Provision for impairment of loans to individuals	-8 741 386	-8 741 386
Other assets	-2 385 515	-2 385 515
Mandatory reserves with Central Bank	1 483 662	1 483 662
Premises and equipment	4 918 556	4 918 556
Purchase cost	6 108 955	6 108 955
Depreciation	-1 190 399	-1 190 399
Accrued interest not yet received	1 269 554	1 269 554
Other assets	6 311 292	6 311 292
Investments in subsidiaries	31 382	31 382
Provision for impairment of other assets	-16 441 348	-16 441 348
Deferred tax asset	41 387	41 387
LIABILITIES	161 345 187	161 345 187
Dues to banks	40 246 165	40 246 165
On demand	40 242 693	40 242 693
Residents	40 133 977	40 133 977
Non-residents	108 716	108 716
Other dues to banks	3 472	3 472
On demand	35 210 624	35 210 624
Corporate clients	24 801 021	24 801 021
State-owned enterprises	17 973 179	17 973 179
Residents	6 742 922	6 742 922
Non-residents	84 920	84 920
Individuals	10 407 341	10 407 341
Residents	10 279 631	10 279 631
Non-residents	127 710	127 710
Brokerage accounts	2 262	2 262
Residents	2 262	2 262
Term	82 150 091	82 150 091
Corporate clients	9 084 976	9 084 976
Residents	9 079 476	9 079 476
up to 30 days	2 537 428	2 537 428
up to 180 days	4 667 156	4 667 156
up to 1 year	1 392 934	1 392 934
up to 3 years	481 958	481 958
State-owned enterprises	5 500	5 500
up to 30 days	5 500	5 500
Individuals	73 065 115	73 065 115
residents	72 382 707	72 382 707
up to 30 days	6	6
up to 180 days	267 657	267 657
up to 1 year	2 777 269	2 777 269
up to 3 years	63 091 943	63 091 943
more than 3 years	6 245 832	6 245 832
non-residents	682 408	682 408
up to 180 days	50	50
up to 1 year	12 456	12 456
up to 3 years	554 153	554 153
more than 3 years	115 749	115 749
Securities issued	82 803	82 803
Bonds	4 857	4 857
Promissory notes	77 946	77 946
on demand	4 074	4 074
more than 3 years	73 872	73 872
Other liabilities	3 655 504	3 655 504
Other liabilities	1 184 937	1 184 937
Accrued interest not yet paid	2 429 157	2 429 157
Liabilities past-due	23	23
Deferred tax liabilities	41 387	41 387
EQUITY	20 171 440	20 171 440
Capital	52 241 912	52 241 912
Profit from previous years	-32 070 472	-32 070 472
Retained earnings from previous years	-32 070 472	-32 070 472
OFF-BALANCE SHEET	263 767 382	263 767 382
Unused credit limits available	19 845 000	19 845 000
Contingent liabilities	-19 298 147	-19 298 147
Guarantees issued	-6 017 446	-6 017 446
Unused credit limits opened	-10 414 672	-10 414 672
Unused guarantee limits	-2 866 029	-2 866 029
Collateral on loans	209 826 338	209 826 338
goods	86 589 172	86 589 172
securities	123 237 166	123 237 166
Unprocessed payments	83 962 470	83 962 470
Due to lack of funds on client accounts	83 962 470	83 962 470
Other off-balance sheet accounts	-30 568 279	-30 568 279
Written-off interest	-2 046 125	-2 046 125
Written-off loans to banks	-3 050 000	-3 050 000
Written-off loans	-25 472 154	-25 472 154
Credit card balances	126 755	126 755
Risk-weighted assets	199 459 169	199 459 169
Reserve rates:
Loans to banks:	-0,30%	-100,0%
Customer loans, total:	-26,06%	-100,0%
including corporate loans:	-51,96%	-100,0%
including individual loans:	-10,15%	-100,0%
Past-due rate:	-26,11%	-100,0%
corporate clients:	-55,89%	-100,0%
individuals:	-7,81%	-100,0%