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

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	RUSSKIY IPOTECHNIY BANK	add to comparison
Central Bank of Russia registration number: 1968 complies with 214-FZ (equity construction)

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	13 923 747	13 923 747
High liquid assets	1 553 112	1 553 112
Cash and equivalents	1 011 419	1 011 419
Cash	639 567	639 567
in cash and en route	637 973	637 973
in ATMs	1 594	1 594
Nostro account with Central Bank	371 852	371 852
Nostro accounts	411 404	411 404
Non-residents	331 641	331 641
Residents	79 763	79 763
Money in transfer	31 628	31 628
Exchange accounts	98 661	98 661
Interest-earning assets	10 165 318	10 165 318
Dues from banks	1 702 742	1 702 742
Central Bank of Russia	800 000	800 000
Residents	800 173	800 173
up to 30 days	800 173	800 173
Non-residents	102 569	102 569
more than 180 days	102 569	102 569
Securities	863 554	863 554
Bonds	470 233	470 233
Corporate bonds	466 365	466 365
Valuation allowance	3 868	3 868
Promissory notes	265 757	265 757
Banks	265 757	265 757
Stocks	127 564	127 564
Residents	111 150	111 150
Valuation allowance	16 414	16 414
Loans to corporate clients	4 895 705	4 895 705
residents	5 644 232	5 644 232
up to 1 year	4 334 296	4 334 296
up to 3 years	863 549	863 549
more than 3 years	446 387	446 387
Past-due	9 741	9 741
residents	9 741	9 741
Provision for impairment of corporate loans	-758 268	-758 268
residents	-758 268	-758 268
Loans to private entrepreneurs	151 879	151 879
up to 3 years	32 867	32 867
more than 3 years	119 440	119 440
Past-due	546	546
Provision for impairment of loans to private entrepreneurs	-974	-974
Loans to individuals	2 551 438	2 551 438
Standard	2 634 121	2 634 121
up to 30 days	5	5
up to 180 days	9 858	9 858
up to 1 year	25 704	25 704
up to 3 years	1 287 432	1 287 432
more than 3 years	1 311 122	1 311 122
Past-due	208 604	208 604
Past-due	208 604	208 604
Provision for impairment of loans to individuals	-291 287	-291 287
Other assets	2 205 317	2 205 317
Mandatory reserves with Central Bank	92 605	92 605
Premises and equipment	25 683	25 683
Purchase cost	78 815	78 815
Depreciation	-53 132	-53 132
Accrued interest not yet received	3 468	3 468
Other assets	2 225 042	2 225 042
Provision for impairment of other assets	-189 266	-189 266
Deferred tax asset	47 785	47 785
LIABILITIES	12 198 958	12 198 958
Dues to banks	800 915	800 915
On demand	742	742
Residents	742	742
Term	800 173	800 173
Residents	800 173	800 173
up to 180 days	800 173	800 173
On demand	3 801 902	3 801 902
Corporate clients	1 934 935	1 934 935
Residents	1 804 867	1 804 867
Non-residents	130 068	130 068
Individuals	1 866 956	1 866 956
Residents	1 851 967	1 851 967
Non-residents	14 989	14 989
Brokerage accounts	11	11
Non-residents	11	11
Term	7 422 925	7 422 925
Corporate clients	813 360	813 360
Residents	351 544	351 544
up to 30 days	5 900	5 900
up to 180 days	3 130	3 130
up to 1 year	144 703	144 703
up to 3 years	193 051	193 051
more than 3 years	4 760	4 760
Non-residents	461 816	461 816
up to 3 years	111 816	111 816
more than 3 years	350 000	350 000
Individuals	6 609 565	6 609 565
residents	6 592 564	6 592 564
up to 30 days	6	6
up to 180 days	33 389	33 389
up to 1 year	94 011	94 011
up to 3 years	6 341 895	6 341 895
more than 3 years	123 263	123 263
non-residents	17 001	17 001
up to 180 days	1 570	1 570
up to 1 year	1 808	1 808
up to 3 years	13 623	13 623
Securities issued	100 000	100 000
Promissory notes	100 000	100 000
up to 3 years	100 000	100 000
Other liabilities	73 216	73 216
Other liabilities	70 721	70 721
Accrued interest not yet paid	1 626	1 626
Deferred tax liabilities	869	869
EQUITY	1 724 789	1 724 789
Capital	946 271	946 271
Profit from previous years	844 165	844 165
Retained earnings from previous years	844 165	844 165
Current year profit	-74 248	-74 248
Current year retained earnings	-74 248	-74 248
Future expenses	8 601	8 601
OFF-BALANCE SHEET	2 483 757	2 483 757
Contingent liabilities	-3 818 021	-3 818 021
Guarantees issued	-2 907 350	-2 907 350
Unused credit limits opened	-136 915	-136 915
Unused guarantee limits	-773 756	-773 756
Collateral on loans	5 061 401	5 061 401
goods	4 892 593	4 892 593
securities	168 808	168 808
Unprocessed payments	1 224 247	1 224 247
Due to lack of funds on client accounts	1 224 247	1 224 247
Other off-balance sheet accounts	16 130	16 130
Accrued interest not yet received	27 547	27 547
Written-off interest	-32	-32
Written-off loans to banks	-2 159	-2 159
Written-off loans	-9 226	-9 226
Credit card balances	5	5
Risk-weighted assets	19 188 440	19 188 440
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-11,94%	-100,0%
including corporate loans:	-13,07%	-100,0%
including individual loans:	-10,25%	-100,0%
Past-due rate:	-2,53%	-100,0%
corporate clients:	-0,18%	-100,0%
individuals:	-7,34%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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