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

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	POCHTOBANK	add to comparison
Central Bank of Russia registration number: 1788 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	1 191 911	1 191 911
High liquid assets	123 720	123 720
Cash and equivalents	92 022	92 022
Cash	79 508	79 508
in cash and en route	79 508	79 508
Nostro account with Central Bank	12 514	12 514
Nostro accounts	28 162	28 162
Residents	28 162	28 162
Money in transfer	4 587	4 587
Provision for impairment of high-liquid assets	-1 051	-1 051
Interest-earning assets	956 524	956 524
Dues from banks	490 041	490 041
Central Bank of Russia	370 000	370 000
Residents	120 041	120 041
up to 30 days	120 041	120 041
Loans to corporate clients	279 486	279 486
residents	279 951	279 951
up to 30 days	16 835	16 835
up to 3 years	149 129	149 129
more than 3 years	113 987	113 987
Past-due	1 176	1 176
residents	1 176	1 176
Provision for impairment of corporate loans	-1 641	-1 641
residents	-1 641	-1 641
Loans to private entrepreneurs	5 918	5 918
up to 30 days	2 580	2 580
up to 1 year	333	333
up to 3 years	2 600	2 600
more than 3 years	414	414
Provision for impairment of loans to private entrepreneurs	-9	-9
Loans to individuals	181 079	181 079
Standard	185 038	185 038
up to 3 years	7 953	7 953
more than 3 years	177 085	177 085
Past-due	2 010	2 010
Past-due	2 010	2 010
Provision for impairment of loans to individuals	-5 969	-5 969
Other assets	111 667	111 667
Mandatory reserves with Central Bank	1 286	1 286
Premises and equipment	70 004	70 004
Purchase cost	152 113	152 113
Depreciation	-82 109	-82 109
Accrued interest not yet received	2 220	2 220
Other assets	40 941	40 941
Provision for impairment of other assets	-2 784	-2 784
LIABILITIES	767 392	767 392
On demand	264 060	264 060
Corporate clients	220 684	220 684
State-owned enterprises	345	345
Residents	220 339	220 339
Individuals	43 376	43 376
Residents	43 376	43 376
Term	456 433	456 433
Corporate clients	750	750
Residents	750	750
up to 30 days	600	600
up to 1 year	150	150
Individuals	455 683	455 683
residents	455 683	455 683
up to 180 days	20 027	20 027
up to 1 year	411	411
up to 3 years	430 181	430 181
more than 3 years	5 064	5 064
Other liabilities	46 899	46 899
Other liabilities	34 739	34 739
Accrued interest not yet paid	2 528	2 528
Deferred tax liabilities	9 632	9 632
EQUITY	424 519	424 519
Capital	250 499	250 499
Profit from previous years	171 219	171 219
Retained earnings from previous years	171 219	171 219
Current year profit	2 801	2 801
Current year retained earnings	2 801	2 801
OFF-BALANCE SHEET	942 475	942 475
Contingent liabilities	-90 662	-90 662
Unused credit limits opened	-90 662	-90 662
Collateral on loans	968 869	968 869
goods	968 869	968 869
Unprocessed payments	64 653	64 653
Due to lack of funds on client accounts	64 653	64 653
Other off-balance sheet accounts	-385	-385
Written-off interest	-34	-34
Written-off loans	-351	-351
Risk-weighted assets	971 680	971 680
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-1,59%	-100,0%
including corporate loans:	-0,57%	-100,0%
including individual loans:	-3,19%	-100,0%
Past-due rate:	-0,67%	-100,0%
corporate clients:	-0,41%	-100,0%
individuals:	-1,07%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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