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

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	SAROVBIZNESBANK	add to comparison
Central Bank of Russia registration number: 2048 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	12 721 612	12 721 612
High liquid assets	300 595	300 595
Cash and equivalents	187 191	187 191
Cash	89 094	89 094
in cash and en route	49 680	49 680
precious metals	39 414	39 414
Nostro account with Central Bank	98 097	98 097
Nostro accounts	99 416	99 416
Non-residents	23 000	23 000
Residents	76 416	76 416
Money in transfer	14 221	14 221
Provision for impairment of high-liquid assets	-233	-233
Interest-earning assets	6 591 807	6 591 807
Dues from banks	5 002 776	5 002 776
Residents	5 002 817	5 002 817
up to 30 days	2 002 817	2 002 817
up to 180 days	1 500 000	1 500 000
more than 180 days	1 500 000	1 500 000
Provision for impairment of loans to banks	-41	-41
Securities	950 887	950 887
Bonds	950 887	950 887
Federal Loan Bonds (OFZs), OBRs	1 059 750	1 059 750
Valuation allowance	-108 863	-108 863
Loans to corporate clients	567 279	567 279
residents	436 631	436 631
up to 180 days	52 907	52 907
up to 1 year	27 770	27 770
up to 3 years	67 165	67 165
more than 3 years	288 789	288 789
state-owned enterprises	121 164	121 164
up to 1 year	17 315	17 315
up to 3 years	101 400	101 400
more than 3 years	2 449	2 449
Past-due	255 605	255 605
residents	255 539	255 539
state-owned enterprises	66	66
Provision for impairment of corporate loans	-246 121	-246 121
residents	-245 879	-245 879
state-owned enterprises	-242	-242
Loans to private entrepreneurs	67 864	67 864
up to 3 years	4 111	4 111
more than 3 years	60 412	60 412
Past-due	34 028	34 028
Provision for impairment of loans to private entrepreneurs	-30 687	-30 687
Loans to individuals	3 001	3 001
Standard	3 997	3 997
up to 30 days	605	605
more than 3 years	3 392	3 392
Past-due	851	851
Past-due	851	851
Provision for impairment of loans to individuals	-1 847	-1 847
Other assets	5 829 210	5 829 210
Mandatory reserves with Central Bank	27 192	27 192
Premises and equipment	1 181 949	1 181 949
Purchase cost	1 358 038	1 358 038
Depreciation	-176 089	-176 089
Accrued interest not yet received	85 656	85 656
Other assets	4 634 085	4 634 085
Provision for impairment of other assets	-99 672	-99 672
LIABILITIES	3 609 871	3 609 871
On demand	1 860 514	1 860 514
Corporate clients	484 257	484 257
State-owned enterprises	34	34
Residents	484 223	484 223
Individuals	1 376 257	1 376 257
Residents	1 367 115	1 367 115
Non-residents	9 142	9 142
Term	933 279	933 279
Individuals	933 279	933 279
residents	933 057	933 057
up to 3 years	840 567	840 567
more than 3 years	92 490	92 490
non-residents	222	222
up to 3 years	222	222
Securities issued	10 881	10 881
Promissory notes	10 881	10 881
more than 3 years	10 881	10 881
Other liabilities	805 197	805 197
Other liabilities	567 771	567 771
Accrued interest not yet paid	126 389	126 389
Deferred tax liabilities	111 037	111 037
EQUITY	9 111 741	9 111 741
Capital	3 302 976	3 302 976
Profit from previous years	5 829 009	5 829 009
Retained earnings from previous years	5 829 009	5 829 009
Current year profit	-20 244	-20 244
Current year retained earnings	-20 244	-20 244
OFF-BALANCE SHEET	-21 275	-21 275
Contingent liabilities	-1 936 603	-1 936 603
Guarantees issued	-1 572 706	-1 572 706
Unused credit limits opened	-363 897	-363 897
Collateral on loans	1 645 008	1 645 008
goods	1 645 008	1 645 008
Unprocessed payments	308 920	308 920
Due to lack of funds on client accounts	308 920	308 920
Other off-balance sheet accounts	-38 600	-38 600
Written-off interest	-8 943	-8 943
Written-off loans	-29 657	-29 657
Credit card balances	605	605
Risk-weighted assets	10 257 382	10 257 382
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-28,30%	-100,0%
including corporate loans:	-30,35%	-100,0%
including individual loans:	-38,10%	-100,0%
Past-due rate:	-31,68%	-100,0%
corporate clients:	-31,76%	-100,0%
individuals:	-17,55%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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