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

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	INTERKOMMERC	add to comparison
Central Bank of Russia registration number: 1657

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	88 387 030	88 387 030
High liquid assets	7 671 453	7 671 453
Cash and equivalents	782 053	782 053
Cash	547 651	547 651
in cash and en route	445 993	445 993
in ATMs	101 658	101 658
Nostro account with Central Bank	234 402	234 402
Nostro accounts	6 861 464	6 861 464
Non-residents	6 665 700	6 665 700
Residents	195 764	195 764
Money in transfer	34 030	34 030
Exchange accounts	2	2
Provision for impairment of high-liquid assets	-6 096	-6 096
Interest-earning assets	78 814 389	78 814 389
Dues from banks	108 248	108 248
Residents	108 248	108 248
up to 30 days	108 248	108 248
Loans past-due	250 815	250 815
residents	250 815	250 815
Provision for impairment of loans to banks	-250 815	-250 815
Securities	12 664 060	12 664 060
Bonds	12 659 069	12 659 069
Federal Loan Bonds (OFZs), OBRs	8 100 837	8 100 837
Foreign sovereign bonds	4 576 622	4 576 622
Valuation allowance	-18 390	-18 390
Past-due	18 617	18 617
Provision for impairment of bonds	-18 617	-18 617
Banks	29 277	29 277
Provision for impairment of promissory notes	-29 277	-29 277
Stocks	4 991	4 991
Residents	63 319	63 319
Provision for impairment of stocks	-58 328	-58 328
Loans to corporate clients	62 314 259	62 314 259
residents	68 720 229	68 720 229
up to 30 days	137 453	137 453
up to 180 days	2 610 478	2 610 478
up to 1 year	36 443 489	36 443 489
up to 3 years	14 989 091	14 989 091
more than 3 years	14 539 718	14 539 718
non-residents	5 324	5 324
up to 3 years	5 324	5 324
Past-due	6 525 867	6 525 867
residents	2 823 232	2 823 232
non-residents	3 702 635	3 702 635
Provision for impairment of corporate loans	-12 937 161	-12 937 161
residents	-9 896 104	-9 896 104
non-residents	-3 041 057	-3 041 057
Loans to private entrepreneurs	202 181	202 181
up to 3 years	3 801	3 801
more than 3 years	203 330	203 330
Provision for impairment of loans to private entrepreneurs	-4 950	-4 950
Loans to individuals	3 525 641	3 525 641
Standard	4 551 173	4 551 173
up to 30 days	67 169	67 169
up to 180 days	4 551	4 551
up to 1 year	30 760	30 760
up to 3 years	949 732	949 732
more than 3 years	3 498 961	3 498 961
Past-due	147 686	147 686
Past-due	147 686	147 686
Provision for impairment of loans to individuals	-1 173 218	-1 173 218
Other assets	1 901 188	1 901 188
Mandatory reserves with Central Bank	611 251	611 251
Premises and equipment	173 830	173 830
Purchase cost	314 572	314 572
Depreciation	-140 742	-140 742
Accrued interest not yet received	1 287 286	1 287 286
Factoring	11 541	11 541
Other assets	1 779 805	1 779 805
Provision for impairment of other assets	-4 299 361	-4 299 361
Derivatives - assets	2 312 478	2 312 478
Deferred tax asset	24 358	24 358
LIABILITIES	95 468 158	95 468 158
Dues to banks	1 997 855	1 997 855
On demand	82	82
Residents	6	6
Non-residents	76	76
Term	1 973 789	1 973 789
Residents	1 473 199	1 473 199
more than 180 days	1 465 584	1 465 584
Past-due	7 615	7 615
Non-residents	500 590	500 590
up to 180 days	226 440	226 440
more than 180 days	274 150	274 150
Other dues to banks	23 984	23 984
On demand	10 563 077	10 563 077
Corporate clients	8 734 121	8 734 121
State-owned enterprises	310	310
Residents	8 716 952	8 716 952
Non-residents	16 859	16 859
Individuals	1 828 766	1 828 766
Residents	1 805 775	1 805 775
Non-residents	22 991	22 991
Brokerage accounts	190	190
Residents	158	158
Non-residents	32	32
Term	69 456 084	69 456 084
Corporate clients	4 799 816	4 799 816
Residents	1 359 801	1 359 801
up to 180 days	431 674	431 674
up to 1 year	143 897	143 897
up to 3 years	211 010	211 010
more than 3 years	573 220	573 220
Non-residents	3 439 965	3 439 965
more than 3 years	3 439 965	3 439 965
State-owned enterprises	50	50
up to 3 years	50	50
Individuals	64 656 268	64 656 268
residents	64 283 585	64 283 585
up to 30 days	9	9
up to 180 days	1 137 413	1 137 413
up to 1 year	7 846 244	7 846 244
up to 3 years	55 258 799	55 258 799
more than 3 years	41 120	41 120
non-residents	372 683	372 683
up to 180 days	11 551	11 551
up to 1 year	34 980	34 980
up to 3 years	325 440	325 440
more than 3 years	712	712
Securities issued	222 182	222 182
Promissory notes	222 182	222 182
on demand	29 495	29 495
up to 180 days	75 906	75 906
up to 1 year	25 572	25 572
up to 3 years	87 126	87 126
more than 3 years	5 198	5 198
Discount accrued	-1 115	-1 115
Other liabilities	13 228 960	13 228 960
Other liabilities	4 636 372	4 636 372
Accrued interest not yet paid	751 895	751 895
Liabilities past-due	7 840 693	7 840 693
EQUITY	-7 081 129	-7 081 129
Capital	2 863 017	2 863 017
Profit from previous years	3 987 578	3 987 578
Retained earnings from previous years	3 987 578	3 987 578
Current year profit	-13 945 620	-13 945 620
Current year retained earnings	-13 945 620	-13 945 620
Future expenses	13 896	13 896
OFF-BALANCE SHEET	47 566 280	47 566 280
Contingent liabilities	-1 516 985	-1 516 985
Guarantees issued	-1 097 633	-1 097 633
Unused credit limits opened	-419 352	-419 352
Collateral on loans	39 788 801	39 788 801
goods	37 072 766	37 072 766
securities	2 716 035	2 716 035
Unprocessed payments	10 199 889	10 199 889
Due to lack of funds in bank	7 837 730	7 837 730
Due to lack of funds on client accounts	2 362 159	2 362 159
Other off-balance sheet accounts	-905 425	-905 425
Accrued interest not yet received	212 781	212 781
Written-off interest	-107 999	-107 999
Written-off loans	-1 010 207	-1 010 207
Credit card balances	67 169	67 169
Reserve rates:
Loans to banks:	-69,85%	-100,0%
Customer loans, total:	-17,57%	-100,0%
including corporate loans:	-17,15%	-100,0%
including individual loans:	-24,97%	-100,0%
Past-due rate:	-8,33%	-100,0%
corporate clients:	-8,65%	-100,0%
individuals:	-3,14%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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