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

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	EVROKOMMERC	add to comparison
Central Bank of Russia registration number: 1777 retail lending, 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	11 114 689	11 114 689
High liquid assets	4 689 469	4 689 469
Cash and equivalents	4 256 142	4 256 142
Cash	1 228 562	1 228 562
in cash and en route	1 194 117	1 194 117
in ATMs	34 445	34 445
Nostro account with Central Bank	3 027 580	3 027 580
Nostro accounts	337 092	337 092
Non-residents	1 321	1 321
Residents	335 771	335 771
Money in transfer	97 087	97 087
Provision for impairment of high-liquid assets	-852	-852
Interest-earning assets	5 543 674	5 543 674
Dues from banks	10 008	10 008
Residents	10 008	10 008
up to 30 days	10 008	10 008
Securities	21 432	21 432
Stocks	21 432	21 432
Residents	20 504	20 504
Valuation allowance	928	928
Loans to corporate clients	2 221 224	2 221 224
residents	2 276 231	2 276 231
up to 180 days	50	50
up to 1 year	1 641 521	1 641 521
up to 3 years	627 660	627 660
more than 3 years	7 000	7 000
Past-due	976	976
residents	976	976
Provision for impairment of corporate loans	-55 983	-55 983
residents	-55 983	-55 983
up to 3 years	252	252
Provision for impairment of loans to private entrepreneurs	-252	-252
Loans to individuals	3 291 010	3 291 010
Standard	2 988 997	2 988 997
up to 30 days	1 300	1 300
up to 1 year	1 825	1 825
up to 3 years	539 274	539 274
more than 3 years	2 446 598	2 446 598
Past-due	569 979	569 979
Past-due	569 979	569 979
Provision for impairment of loans to individuals	-267 966	-267 966
Other assets	881 546	881 546
Mandatory reserves with Central Bank	127 915	127 915
Premises and equipment	367 370	367 370
Purchase cost	508 070	508 070
Depreciation	-140 700	-140 700
Accrued interest not yet received	56 758	56 758
Non-current assets	103 530	103 530
Other assets	258 278	258 278
Provision for impairment of other assets	-40 624	-40 624
Deferred tax asset	8 319	8 319
LIABILITIES	10 610 675	10 610 675
On demand	499 623	499 623
Corporate clients	183 557	183 557
State-owned enterprises	734	734
Residents	182 742	182 742
Non-residents	81	81
Individuals	316 066	316 066
Residents	315 456	315 456
Non-residents	610	610
Term	9 853 371	9 853 371
Corporate clients	473 657	473 657
Residents	10 000	10 000
up to 3 years	10 000	10 000
Non-residents	463 657	463 657
more than 3 years	463 657	463 657
Individuals	9 379 714	9 379 714
residents	9 353 372	9 353 372
up to 180 days	131 982	131 982
up to 1 year	285 272	285 272
up to 3 years	8 459 278	8 459 278
more than 3 years	476 840	476 840
non-residents	26 342	26 342
up to 180 days	821	821
up to 1 year	1 300	1 300
up to 3 years	20 498	20 498
more than 3 years	3 723	3 723
Other liabilities	257 681	257 681
Other liabilities	76 142	76 142
Accrued interest not yet paid	181 539	181 539
EQUITY	504 014	504 014
Capital	561 486	561 486
Profit from previous years	-10 868	-10 868
Retained earnings from previous years	-10 868	-10 868
Current year profit	16 941	16 941
Current year retained earnings	16 941	16 941
Future expenses	-63 545	-63 545
OFF-BALANCE SHEET	1 137 332	1 137 332
Collateral on loans	452 309	452 309
goods	441 401	441 401
securities	10 908	10 908
Unprocessed payments	690 460	690 460
Due to lack of funds on client accounts	690 460	690 460
Other off-balance sheet accounts	-5 437	-5 437
Accrued interest not yet received	20 033	20 033
Written-off interest	-2 017	-2 017
Written-off loans	-23 453	-23 453
Credit card balances	1 300	1 300
Risk-weighted assets	7 643 531	7 643 531
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-5,55%	-100,0%
including corporate loans:	-2,47%	-100,0%
including individual loans:	-7,53%	-100,0%
Past-due rate:	-9,78%	-100,0%
corporate clients:	-0,04%	-100,0%
individuals:	-16,02%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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