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

	RUSFINANS BANK	add to comparison
Central Bank of Russia registration number: 1792 retail lending, car loans, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	147 157 984	147 157 984
High liquid assets	10 015 589	10 015 589
Cash and equivalents	143 130	143 130
Nostro account with Central Bank	143 130	143 130
Nostro accounts	9 872 459	9 872 459
Residents	9 872 459	9 872 459
Interest-earning assets	118 243 631	118 243 631
Loans to corporate clients	167 865	167 865
residents	171 147	171 147
up to 180 days	164 335	164 335
up to 1 year	6 779	6 779
up to 3 years	30	30
more than 3 years	3	3
Past-due	10 529	10 529
residents	10 529	10 529
Provision for impairment of corporate loans	-13 811	-13 811
residents	-13 811	-13 811
up to 3 years	416	416
Provision for impairment of loans to private entrepreneurs	-416	-416
Loans to individuals	118 075 766	118 075 766
Standard	120 846 595	120 846 595
up to 1 year	211 859	211 859
up to 3 years	21 474 956	21 474 956
more than 3 years	99 159 780	99 159 780
Past-due	5 108 813	5 108 813
Past-due	5 108 813	5 108 813
Provision for impairment of loans to individuals	-7 879 642	-7 879 642
Other assets	18 898 764	18 898 764
Mandatory reserves with Central Bank	31 741	31 741
Premises and equipment	1 122 237	1 122 237
Purchase cost	2 471 883	2 471 883
Depreciation	-1 349 646	-1 349 646
Accrued interest not yet received	702 551	702 551
Other assets	16 461 615	16 461 615
Provision for impairment of other assets	-353 630	-353 630
Deferred tax asset	934 250	934 250
LIABILITIES	124 394 346	124 394 346
Dues to banks	114 620 000	114 620 000
Term	114 620 000	114 620 000
Residents	114 620 000	114 620 000
up to 180 days	1 400 000	1 400 000
more than 180 days	113 220 000	113 220 000
On demand	2 736 893	2 736 893
Corporate clients	92 577	92 577
Residents	92 577	92 577
Individuals	2 644 316	2 644 316
Residents	2 644 316	2 644 316
Term	148 988	148 988
Corporate clients	148 988	148 988
Residents	148 988	148 988
up to 1 year	1 988	1 988
more than 3 years	147 000	147 000
Other liabilities	6 888 465	6 888 465
Other liabilities	659 772	659 772
Accrued interest not yet paid	4 958 859	4 958 859
Deferred tax liabilities	1 269 834	1 269 834
EQUITY	22 763 638	22 763 638
Capital	15 653 968	15 653 968
Profit from previous years	7 109 670	7 109 670
Retained earnings from previous years	7 109 670	7 109 670
OFF-BALANCE SHEET	258 013 517	258 013 517
Unused credit limits available	192 974	192 974
Contingent liabilities	-3 146 925	-3 146 925
Unused credit limits opened	-3 146 925	-3 146 925
Collateral on loans	262 725 370	262 725 370
goods	262 725 370	262 725 370
Unprocessed payments	16 287	16 287
Due to lack of funds on client accounts	16 287	16 287
Other off-balance sheet accounts	-1 774 189	-1 774 189
Written-off interest	-577 995	-577 995
Written-off loans	-1 196 194	-1 196 194
Risk-weighted assets	154 292 511	154 292 511
Reserve rates:
Customer loans, total:	-6,26%	-100,0%
including corporate loans:	-7,81%	-100,0%
including individual loans:	-6,26%	-100,0%
Past-due rate:	-4,06%	-100,0%
corporate clients:	-5,78%	-100,0%
individuals:	-4,06%	-100,0%