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

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	GAZBANK	add to comparison
Central Bank of Russia registration number: 2316 CB RF representative, 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	24 533 097	24 533 097
High liquid assets	1 412 362	1 412 362
Cash and equivalents	1 254 362	1 254 362
Cash	676 540	676 540
in cash and en route	544 827	544 827
in ATMs	131 713	131 713
Nostro account with Central Bank	577 822	577 822
Nostro accounts	84 379	84 379
Non-residents	23 313	23 313
Residents	61 066	61 066
Money in transfer	58 845	58 845
Exchange accounts	15 110	15 110
Provision for impairment of high-liquid assets	-334	-334
Interest-earning assets	16 928 506	16 928 506
Dues from banks	40 830	40 830
Residents	40 830	40 830
up to 30 days	40 830	40 830
Loans past-due	40 058	40 058
residents	40 058	40 058
Provision for impairment of loans to banks	-40 058	-40 058
Securities	967 449	967 449
Bonds	759 146	759 146
Corporate foreign bonds	73 975	73 975
Valuation allowance	-41 192	-41 192
Pledged under REPO	726 363	726 363
Stocks	208 303	208 303
Residents	12 067	12 067
Valuation allowance	-53 733	-53 733
Pledged under REPO	249 969	249 969
Loans to corporate clients	12 958 397	12 958 397
residents	15 144 737	15 144 737
up to 30 days	268 031	268 031
up to 180 days	728 207	728 207
up to 1 year	1 499 615	1 499 615
up to 3 years	4 284 459	4 284 459
more than 3 years	8 364 425	8 364 425
state-owned enterprises	386 310	386 310
up to 1 year	40 370	40 370
up to 3 years	290 957	290 957
more than 3 years	54 983	54 983
Past-due	154 281	154 281
residents	154 281	154 281
Provision for impairment of corporate loans	-2 726 931	-2 726 931
residents	-2 717 691	-2 717 691
state-owned enterprises	-9 240	-9 240
Loans to private entrepreneurs	158 626	158 626
up to 3 years	69 350	69 350
more than 3 years	122 889	122 889
Past-due	62 214	62 214
Provision for impairment of loans to private entrepreneurs	-95 827	-95 827
Loans to individuals	2 803 204	2 803 204
Standard	3 075 015	3 075 015
up to 30 days	152 446	152 446
up to 180 days	19 982	19 982
up to 1 year	253 040	253 040
up to 3 years	760 800	760 800
more than 3 years	1 888 747	1 888 747
Past-due	798 732	798 732
Past-due	798 732	798 732
Provision for impairment of loans to individuals	-1 070 543	-1 070 543
Other assets	6 192 229	6 192 229
Mandatory reserves with Central Bank	160 926	160 926
Premises and equipment	1 194 371	1 194 371
Purchase cost	1 698 010	1 698 010
Depreciation	-503 639	-503 639
Accrued interest not yet received	2 226 248	2 226 248
Other assets	3 405 931	3 405 931
Provision for impairment of other assets	-1 190 414	-1 190 414
Deferred tax asset	395 167	395 167
LIABILITIES	22 083 206	22 083 206
Dues to banks	867 746	867 746
On demand	592	592
Residents	592	592
Term	831 370	831 370
Central Bank of Russia	196 954	196 954
other	196 954	196 954
Residents	634 416	634 416
up to 30 days	634 416	634 416
Other dues to banks	35 784	35 784
On demand	2 027 051	2 027 051
Corporate clients	1 301 361	1 301 361
State-owned enterprises	54 728	54 728
Residents	1 245 337	1 245 337
Non-residents	1 296	1 296
Individuals	702 568	702 568
Residents	663 770	663 770
Non-residents	38 798	38 798
Brokerage accounts	23 122	23 122
Residents	23 122	23 122
Term	19 020 290	19 020 290
Corporate clients	785 629	785 629
Residents	785 629	785 629
up to 30 days	20 000	20 000
up to 180 days	195 000	195 000
up to 1 year	2 625	2 625
up to 3 years	2	2
more than 3 years	568 002	568 002
Individuals	18 234 661	18 234 661
residents	18 229 974	18 229 974
up to 30 days	88 333	88 333
up to 180 days	2 251 732	2 251 732
up to 1 year	5 439 418	5 439 418
up to 3 years	9 083 228	9 083 228
more than 3 years	1 367 263	1 367 263
non-residents	4 687	4 687
up to 180 days	1 214	1 214
up to 1 year	1 471	1 471
up to 3 years	1 197	1 197
more than 3 years	805	805
Securities issued	19 913	19 913
Promissory notes	13 116	13 116
on demand	13 116	13 116
Depositary certificates	6 797	6 797
more than 180 days	6 797	6 797
Other liabilities	148 206	148 206
Other liabilities	80 173	80 173
Accrued interest not yet paid	2 412	2 412
Deferred tax liabilities	65 621	65 621
EQUITY	2 449 891	2 449 891
Capital	2 451 087	2 451 087
Profit from previous years	1 287 094	1 287 094
Retained earnings from previous years	1 287 094	1 287 094
Current year profit	-1 294 305	-1 294 305
Current year retained earnings	-1 294 305	-1 294 305
Future expenses	6 015	6 015
OFF-BALANCE SHEET	23 734 800	23 734 800
Contingent liabilities	-2 622 442	-2 622 442
Guarantees issued	-678 502	-678 502
Unused credit limits opened	-1 943 940	-1 943 940
Collateral on loans	24 560 683	24 560 683
goods	24 483 578	24 483 578
securities	77 105	77 105
Unprocessed payments	1 491 764	1 491 764
Due to lack of funds on client accounts	1 491 764	1 491 764
Other off-balance sheet accounts	304 795	304 795
Accrued interest not yet received	1 244 335	1 244 335
Written-off interest	-246 058	-246 058
Written-off loans	-693 482	-693 482
Credit card balances	152 446	152 446
Risk-weighted assets	33 196 134	33 196 134
Reserve rates:
Loans to banks:	-49,52%	-100,0%
Customer loans, total:	-19,49%	-100,0%
including corporate loans:	-17,71%	-100,0%
including individual loans:	-27,64%	-100,0%
Past-due rate:	-5,12%	-100,0%
corporate clients:	-1,36%	-100,0%
individuals:	-20,62%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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