Kuap. Ru - Balance sheet of БАНК ЗЕНИТ СОЧИ, analysis of f.101

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	BANK ZENIT SOCHI	add to comparison
Central Bank of Russia registration number: 232

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	3 669 313	3 669 313
High liquid assets	495 741	495 741
Cash and equivalents	384 382	384 382
Cash	277 377	277 377
in cash and en route	277 377	277 377
Nostro account with Central Bank	107 005	107 005
Nostro accounts	111 359	111 359
Residents	111 359	111 359
Money in transfer	13	13
Provision for impairment of high-liquid assets	-13	-13
Interest-earning assets	2 699 163	2 699 163
Dues from banks	1 500 000	1 500 000
Residents	1 500 000	1 500 000
up to 180 days	1 500 000	1 500 000
Loans to corporate clients	253 106	253 106
residents	221 632	221 632
up to 30 days	5 225	5 225
up to 180 days	25 000	25 000
up to 1 year	111 516	111 516
up to 3 years	44 450	44 450
more than 3 years	35 441	35 441
Past-due	278 934	278 934
residents	278 932	278 932
state-owned enterprises	2	2
Provision for impairment of corporate loans	-247 460	-247 460
residents	-247 466	-247 466
state-owned enterprises	6	6
Loans to private entrepreneurs	89 007	89 007
more than 3 years	90 494	90 494
Past-due	1 235	1 235
Provision for impairment of loans to private entrepreneurs	-2 722	-2 722
Loans to individuals	857 050	857 050
Standard	895 641	895 641
up to 30 days	7 990	7 990
up to 3 years	48 963	48 963
more than 3 years	838 688	838 688
Past-due	60 806	60 806
Past-due	60 806	60 806
Provision for impairment of loans to individuals	-99 397	-99 397
Other assets	474 409	474 409
Mandatory reserves with Central Bank	22 048	22 048
Premises and equipment	251 946	251 946
Purchase cost	319 677	319 677
Depreciation	-67 731	-67 731
Accrued interest not yet received	3 823	3 823
Other assets	197 928	197 928
Provision for impairment of other assets	-1 336	-1 336
LIABILITIES	2 497 569	2 497 569
Dues to banks	387 571	387 571
On demand	285 551	285 551
Residents	285 551	285 551
Term	102 020	102 020
Residents	102 020	102 020
up to 30 days	32 020	32 020
more than 180 days	70 000	70 000
On demand	794 385	794 385
Corporate clients	609 733	609 733
Residents	609 462	609 462
Non-residents	271	271
Individuals	184 652	184 652
Residents	183 916	183 916
Non-residents	736	736
Term	1 195 951	1 195 951
Individuals	1 195 951	1 195 951
residents	1 187 070	1 187 070
up to 180 days	7 010	7 010
up to 1 year	173 288	173 288
up to 3 years	1 006 772	1 006 772
non-residents	8 881	8 881
up to 1 year	141	141
up to 3 years	8 740	8 740
Other liabilities	119 662	119 662
Other liabilities	68 885	68 885
Accrued interest not yet paid	44 683	44 683
Deferred tax liabilities	6 094	6 094
EQUITY	1 171 744	1 171 744
Capital	235 531	235 531
Profit from previous years	922 188	922 188
Retained earnings from previous years	922 188	922 188
Current year profit	14 025	14 025
Current year retained earnings	14 025	14 025
OFF-BALANCE SHEET	3 796 107	3 796 107
Contingent liabilities	-34 061	-34 061
Unused credit limits opened	-34 061	-34 061
Collateral on loans	3 297 768	3 297 768
goods	3 297 768	3 297 768
Unprocessed payments	619 687	619 687
Due to lack of funds on client accounts	619 687	619 687
Other off-balance sheet accounts	-87 287	-87 287
Written-off interest	-10 470	-10 470
Written-off loans	-76 817	-76 817
Credit card balances	7 990	7 990
Risk-weighted assets	3 160 582	3 160 582
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-21,35%	-100,0%
including corporate loans:	-42,24%	-100,0%
including individual loans:	-10,39%	-100,0%
Past-due rate:	-22,02%	-100,0%
corporate clients:	-47,30%	-100,0%
individuals:	-6,36%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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