Kuap. Ru - Balance sheet of ЭКСПРЕСС-КРЕДИТ, analysis of f.101

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	EKSPRESS-KREDIT	add to comparison
Central Bank of Russia registration number: 210 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	5 600 785	5 600 785
High liquid assets	525 722	525 722
Cash and equivalents	330 154	330 154
Cash	232 591	232 591
in cash and en route	217 271	217 271
in ATMs	15 320	15 320
Nostro account with Central Bank	97 563	97 563
Nostro accounts	73 223	73 223
Residents	73 223	73 223
Money in transfer	14 801	14 801
Exchange accounts	135 754	135 754
Provision for impairment of high-liquid assets	-28 210	-28 210
Interest-earning assets	3 783 709	3 783 709
Dues from banks	6 290	6 290
Residents	6 290	6 290
up to 30 days	6 290	6 290
Securities	413 914	413 914
Bonds	165 603	165 603
Corporate bonds	72 908	72 908
Valuation allowance	-1 451	-1 451
Pledged under REPO	139 112	139 112
Past-due	1 987	1 987
Provision for impairment of bonds	-46 953	-46 953
Promissory notes	243 109	243 109
Banks	243 109	243 109
Stocks	5 202	5 202
Residents	12 787	12 787
Valuation allowance	-7 585	-7 585
Loans to corporate clients	1 814 162	1 814 162
residents	1 830 569	1 830 569
up to 30 days	29 042	29 042
up to 180 days	22 519	22 519
up to 1 year	400 138	400 138
up to 3 years	1 255 870	1 255 870
more than 3 years	123 000	123 000
state-owned enterprises	4 596	4 596
up to 1 year	4 596	4 596
Past-due	161 355	161 355
residents	161 355	161 355
Provision for impairment of corporate loans	-182 358	-182 358
residents	-182 220	-182 220
state-owned enterprises	-138	-138
Loans to individuals	1 549 343	1 549 343
Standard	1 540 372	1 540 372
up to 30 days	33 629	33 629
up to 180 days	56 200	56 200
up to 1 year	352 028	352 028
up to 3 years	368 879	368 879
more than 3 years	729 636	729 636
Memo: mortgage loans	41 697	41 697
Past-due	198 903	198 903
Past-due	198 903	198 903
Memo: mortgage loans past-due	10	10
Provision for impairment of loans to individuals	-189 932	-189 932
Other assets	1 291 354	1 291 354
Mandatory reserves with Central Bank	36 051	36 051
Premises and equipment	588 259	588 259
Purchase cost	618 681	618 681
Depreciation	-30 422	-30 422
Accrued interest not yet received	6 298	6 298
Other assets	768 467	768 467
Provision for impairment of other assets	-141 184	-141 184
Derivatives - assets	17 713	17 713
Deferred tax asset	15 750	15 750
LIABILITIES	4 810 864	4 810 864
Dues to banks	127 772	127 772
Term	127 772	127 772
Residents	127 772	127 772
up to 30 days	127 772	127 772
On demand	1 001 538	1 001 538
Corporate clients	868 221	868 221
State-owned enterprises	3 227	3 227
Residents	864 339	864 339
Non-residents	655	655
Individuals	133 216	133 216
Residents	133 081	133 081
Non-residents	135	135
Brokerage accounts	101	101
Residents	92	92
Non-residents	9	9
Term	3 538 818	3 538 818
Corporate clients	310 090	310 090
Residents	310 090	310 090
up to 1 year	90	90
more than 3 years	310 000	310 000
Individuals	3 228 728	3 228 728
residents	3 224 050	3 224 050
up to 1 year	32 384	32 384
up to 3 years	2 911 437	2 911 437
more than 3 years	280 229	280 229
non-residents	4 678	4 678
up to 3 years	4 678	4 678
Securities issued	6 700	6 700
Promissory notes	6 700	6 700
on demand	6 700	6 700
Other liabilities	136 036	136 036
Other liabilities	13 554	13 554
Accrued interest not yet paid	70 652	70 652
Deferred tax liabilities	51 830	51 830
EQUITY	789 921	789 921
Capital	663 103	663 103
Profit from previous years	207 594	207 594
Retained earnings from previous years	207 594	207 594
Current year profit	-80 100	-80 100
Current year retained earnings	-80 100	-80 100
Future expenses	-676	-676
OFF-BALANCE SHEET	1 890 194	1 890 194
Unused credit limits available	96 100	96 100
Contingent liabilities	-2 767 482	-2 767 482
Guarantees issued	-2 750 527	-2 750 527
Unused credit limits opened	-16 955	-16 955
Collateral on loans	3 884 681	3 884 681
goods	3 365 219	3 365 219
securities	519 462	519 462
Unprocessed payments	576 864	576 864
Due to lack of funds on client accounts	576 864	576 864
Other off-balance sheet accounts	100 031	100 031
Accrued interest not yet received	101 538	101 538
Written-off interest	-171	-171
Written-off loans to banks	-990	-990
Written-off loans	-346	-346
Credit card balances	33 629	33 629
Risk-weighted assets	10 521 828	10 521 828
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-9,97%	-100,0%
including corporate loans:	-9,13%	-100,0%
including individual loans:	-10,92%	-100,0%
Past-due rate:	-9,64%	-100,0%
corporate clients:	-8,08%	-100,0%
individuals:	-11,44%	-100,0%
o/w mortgages:	-0,02%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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