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

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Central Bank of Russia registration number: 2110 under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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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	374 830 357	374 830 357
High liquid assets	1 813 888	1 813 888
Cash and equivalents	1 544 343	1 544 343
Cash	195 056	195 056
in cash and en route	195 056	195 056
Nostro account with Central Bank	1 349 287	1 349 287
Nostro accounts	245 425	245 425
Non-residents	41 377	41 377
Residents	204 048	204 048
Money in transfer	24 122	24 122
Provision for impairment of high-liquid assets	-2	-2
Interest-earning assets	333 392 667	333 392 667
Dues from banks	16 317 484	16 317 484
Residents	16 317 484	16 317 484
up to 30 days	16 317 484	16 317 484
Securities	111 356 947	111 356 947
Bonds	111 327 549	111 327 549
Federal Loan Bonds (OFZs), OBRs	33 509 350	33 509 350
Corporate bonds	18 190 953	18 190 953
Financial institutions bonds	1 948 006	1 948 006
Valuation allowance	-1 745 343	-1 745 343
Pledged under REPO	58 088 279	58 088 279
Past-due	1 909 335	1 909 335
Provision for impairment of bonds	-573 031	-573 031
Stocks	29 398	29 398
Residents	413 625	413 625
Valuation allowance	-384 227	-384 227
Loans to corporate clients	203 078 598	203 078 598
residents	29 662 910	29 662 910
up to 1 year	11 459 794	11 459 794
up to 3 years	9 929 534	9 929 534
more than 3 years	8 273 582	8 273 582
non-residents	50 369 074	50 369 074
up to 3 years	1 895 348	1 895 348
more than 3 years	48 473 726	48 473 726
state-owned enterprises	1 100 000	1 100 000
more than 3 years	1 100 000	1 100 000
Past-due	141 960 600	141 960 600
residents	140 965 636	140 965 636
non-residents	929 811	929 811
state-owned enterprises	65 153	65 153
Provision for impairment of corporate loans	-20 013 986	-20 013 986
residents	-19 169 590	-19 169 590
non-residents	-816 876	-816 876
state-owned enterprises	-27 520	-27 520
Loans to private entrepreneurs	8 382	8 382
up to 3 years	1 058	1 058
Past-due	8 953	8 953
Provision for impairment of loans to private entrepreneurs	-1 629	-1 629
Loans to individuals	2 631 256	2 631 256
Standard	108 958	108 958
up to 3 years	16 658	16 658
more than 3 years	92 300	92 300
Past-due	2 924 417	2 924 417
Past-due	2 924 417	2 924 417
Provision for impairment of loans to individuals	-402 119	-402 119
Other assets	39 623 802	39 623 802
Mandatory reserves with Central Bank	222 199	222 199
Premises and equipment	1 317 169	1 317 169
Purchase cost	1 790 591	1 790 591
Depreciation	-473 422	-473 422
Accrued interest not yet received	1 346 791	1 346 791
Other assets	51 830 704	51 830 704
Provision for impairment of other assets	-15 656 808	-15 656 808
Deferred tax asset	563 747	563 747
LIABILITIES	346 092 636	346 092 636
Dues to banks	152 239 184	152 239 184
On demand	53 664	53 664
Residents	53 664	53 664
Term	152 185 520	152 185 520
Residents	152 185 520	152 185 520
up to 30 days	15 208 816	15 208 816
up to 180 days	24 284 440	24 284 440
more than 180 days	112 692 264	112 692 264
On demand	9 252 301	9 252 301
Corporate clients	9 063 432	9 063 432
State-owned enterprises	302	302
Residents	8 925 338	8 925 338
Non-residents	137 792	137 792
Individuals	188 405	188 405
Residents	183 715	183 715
Non-residents	4 690	4 690
Brokerage accounts	464	464
Residents	464	464
Term	109 829 293	109 829 293
Corporate clients	109 094 568	109 094 568
Residents	4 564 235	4 564 235
up to 180 days	3 700	3 700
up to 3 years	4 123 599	4 123 599
more than 3 years	436 936	436 936
State-owned enterprises	104 530 333	104 530 333
up to 180 days	2 230 333	2 230 333
up to 1 year	2 500 000	2 500 000
more than 3 years	99 800 000	99 800 000
Individuals	734 725	734 725
residents	734 725	734 725
up to 180 days	10 970	10 970
up to 1 year	452 653	452 653
up to 3 years	271 100	271 100
more than 3 years	2	2
Securities issued	69 488 587	69 488 587
Bonds	69 298 386	69 298 386
Promissory notes	190 201	190 201
on demand	19 984	19 984
up to 3 years	70 217	70 217
more than 3 years	100 000	100 000
Other liabilities	5 283 271	5 283 271
Other liabilities	711 271	711 271
Accrued interest not yet paid	4 530 174	4 530 174
Liabilities past-due	41 826	41 826
EQUITY	28 737 721	28 737 721
Capital	-1 454 742	-1 454 742
Profit from previous years	29 675 873	29 675 873
Retained earnings from previous years	29 675 873	29 675 873
Current year profit	516 590	516 590
Current year retained earnings	516 590	516 590
OFF-BALANCE SHEET	46 175 113	46 175 113
Contingent liabilities	-41 760 009	-41 760 009
Guarantees issued	-15 811 237	-15 811 237
Unused credit limits opened	-25 948 772	-25 948 772
Collateral on loans	77 059 916	77 059 916
goods	65 911 106	65 911 106
securities	11 148 810	11 148 810
Unprocessed payments	10 875 206	10 875 206
Due to lack of funds on client accounts	10 875 206	10 875 206
Risk-weighted assets	303 261 789	303 261 789
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-9,03%	-100,0%
including corporate loans:	-8,97%	-100,0%
including individual loans:	-13,26%	-100,0%
Past-due rate:	-64,07%	-100,0%
corporate clients:	-63,63%	-100,0%
individuals:	-96,41%	-100,0%