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

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	ERMAK	add to comparison
Central Bank of Russia registration number: 1809

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	2 482 257	2 482 257
High liquid assets	575 603	575 603
Cash and equivalents	533 022	533 022
Cash	106 005	106 005
in cash and en route	64 839	64 839
in ATMs	41 166	41 166
Nostro account with Central Bank	427 017	427 017
Nostro accounts	41 067	41 067
Residents	41 067	41 067
Money in transfer	10 087	10 087
Provision for impairment of high-liquid assets	-8 573	-8 573
Interest-earning assets	1 609 467	1 609 467
Dues from banks	764 022	764 022
Central Bank of Russia	749 000	749 000
Residents	15 117	15 117
up to 30 days	15 117	15 117
Provision for impairment of loans to banks	-95	-95
Loans to corporate clients	299 176	299 176
residents	314 935	314 935
up to 30 days	20 014	20 014
up to 180 days	1 200	1 200
up to 1 year	46 445	46 445
up to 3 years	155 496	155 496
more than 3 years	91 780	91 780
Past-due	119 786	119 786
residents	119 786	119 786
Provision for impairment of corporate loans	-135 545	-135 545
residents	-135 545	-135 545
Loans to private entrepreneurs	325 246	325 246
up to 30 days	546	546
up to 180 days	2 976	2 976
up to 3 years	38 832	38 832
more than 3 years	299 819	299 819
Past-due	4 099	4 099
Provision for impairment of loans to private entrepreneurs	-21 026	-21 026
Loans to individuals	221 023	221 023
Standard	222 318	222 318
up to 30 days	177	177
up to 1 year	40	40
up to 3 years	12 101	12 101
more than 3 years	210 000	210 000
Past-due	11 764	11 764
Past-due	11 764	11 764
Provision for impairment of loans to individuals	-13 059	-13 059
Other assets	297 187	297 187
Mandatory reserves with Central Bank	2 333	2 333
Premises and equipment	163 216	163 216
Purchase cost	272 027	272 027
Depreciation	-108 811	-108 811
Accrued interest not yet received	8 781	8 781
Other assets	127 680	127 680
Provision for impairment of other assets	-4 823	-4 823
LIABILITIES	1 543 125	1 543 125
Dues to banks	444 919	444 919
Other dues to banks	444 919	444 919
On demand	741 178	741 178
Corporate clients	624 790	624 790
Residents	624 790	624 790
Individuals	116 388	116 388
Residents	115 719	115 719
Non-residents	669	669
Term	300 986	300 986
Corporate clients	153 590	153 590
Residents	153 590	153 590
up to 30 days	143 586	143 586
up to 1 year	10 000	10 000
more than 3 years	4	4
Individuals	147 396	147 396
residents	147 396	147 396
up to 180 days	9 174	9 174
up to 1 year	37 066	37 066
up to 3 years	101 156	101 156
Other liabilities	56 042	56 042
Other liabilities	37 183	37 183
Accrued interest not yet paid	177	177
Deferred tax liabilities	18 682	18 682
EQUITY	939 132	939 132
Capital	65 974	65 974
Profit from previous years	877 404	877 404
Retained earnings from previous years	877 404	877 404
Current year profit	-4 246	-4 246
Current year retained earnings	-4 246	-4 246
OFF-BALANCE SHEET	2 014 142	2 014 142
Contingent liabilities	-51 168	-51 168
Guarantees issued	-3 500	-3 500
Unused credit limits opened	-47 668	-47 668
Collateral on loans	2 120 504	2 120 504
goods	2 120 504	2 120 504
Unprocessed payments	348 550	348 550
Due to lack of funds on client accounts	348 550	348 550
Other off-balance sheet accounts	-403 744	-403 744
Written-off interest	-53 794	-53 794
Written-off loans	-349 950	-349 950
Credit card balances	177	177
Risk-weighted assets	1 777 227	1 777 227
Reserve rates:
Loans to banks:	-0,01%	-100,0%
Customer loans, total:	-12,66%	-100,0%
including corporate loans:	-20,05%	-100,0%
including individual loans:	-5,58%	-100,0%
Past-due rate:	-13,36%	-100,0%
corporate clients:	-15,86%	-100,0%
individuals:	-5,03%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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