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

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	SPIRITBANK	add to comparison
Central Bank of Russia registration number: 2053

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	763 119	763 119
High liquid assets	21 614	21 614
Cash and equivalents	17 607	17 607
Cash	7 068	7 068
in cash and en route	7 068	7 068
Nostro account with Central Bank	10 539	10 539
Nostro accounts	4 007	4 007
Residents	4 007	4 007
Interest-earning assets	613 903	613 903
Dues from banks	490 000	490 000
Residents	490 000	490 000
up to 30 days	90 000	90 000
up to 180 days	400 000	400 000
Loans to corporate clients	42 257	42 257
residents	41 862	41 862
up to 180 days	861	861
up to 1 year	234	234
up to 3 years	40 767	40 767
Past-due	21 614	21 614
residents	21 614	21 614
Provision for impairment of corporate loans	-21 219	-21 219
residents	-21 219	-21 219
Loans to private entrepreneurs	1 485	1 485
up to 3 years	1 508	1 508
Provision for impairment of loans to private entrepreneurs	-23	-23
Loans to individuals	80 161	80 161
Standard	84 727	84 727
up to 30 days	3 084	3 084
up to 3 years	4 471	4 471
more than 3 years	77 172	77 172
Past-due	2 004	2 004
Past-due	2 004	2 004
Provision for impairment of loans to individuals	-6 570	-6 570
Other assets	127 602	127 602
Mandatory reserves with Central Bank	1 243	1 243
Premises and equipment	115 364	115 364
Purchase cost	121 835	121 835
Depreciation	-6 471	-6 471
Accrued interest not yet received	6 369	6 369
Other assets	7 337	7 337
Provision for impairment of other assets	-6 155	-6 155
Deferred tax asset	3 444	3 444
LIABILITIES	365 595	365 595
Dues to banks	6 000	6 000
On demand	6 000	6 000
Residents	6 000	6 000
On demand	84 391	84 391
Corporate clients	55 225	55 225
Residents	55 225	55 225
Individuals	29 166	29 166
Residents	29 166	29 166
Term	234 419	234 419
Individuals	234 419	234 419
residents	234 419	234 419
up to 1 year	1 973	1 973
up to 3 years	232 446	232 446
Securities issued	2	2
Depositary certificates	2	2
up to 30 days	2	2
Other liabilities	40 783	40 783
Other liabilities	9 389	9 389
Accrued interest not yet paid	19 924	19 924
Deferred tax liabilities	11 470	11 470
EQUITY	397 524	397 524
Capital	295 247	295 247
Profit from previous years	111 052	111 052
Retained earnings from previous years	111 052	111 052
Current year profit	-8 775	-8 775
Current year retained earnings	-8 775	-8 775
OFF-BALANCE SHEET	1 158 802	1 158 802
Contingent liabilities	-4 994	-4 994
Unused credit limits opened	-4 994	-4 994
Collateral on loans	352 396	352 396
goods	352 396	352 396
Unprocessed payments	830 132	830 132
Due to lack of funds on client accounts	830 132	830 132
Other off-balance sheet accounts	-18 732	-18 732
Written-off interest	-1 088	-1 088
Written-off loans to banks	-28	-28
Written-off loans	-17 616	-17 616
Credit card balances	3 084	3 084
Risk-weighted assets	639 850	639 850
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-18,15%	-100,0%
including corporate loans:	-32,69%	-100,0%
including individual loans:	-7,58%	-100,0%
Past-due rate:	-15,57%	-100,0%
corporate clients:	-33,26%	-100,0%
individuals:	-2,31%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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