Kuap. Ru - Aggregated balance sheet by currencies of ЗЕРНОБАНК, analysis of balance sheet currency structure

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	ZERNOBANK	add to comparison
Central Bank of Russia registration number: 2337

On this page you can see aggregated balance sheet of the bank with currency breakdown (roubles and foreign currency). You can also get acquainted with balance sheet aggregation methodics.


Balance sheet position, thous. rub.		in roubles	in foreign crnc.		in roubles	in foreign crnc.	Change, roubles	Change, foreign currency
ASSETS	3 837 670	3 759 710	77 960	3 965 368	3 892 074	73 294	132 364	-4 666
High liquid assets	291 160	239 362	51 798	359 960	317 389	42 571	78 027	-9 227
Cash and equivalents	234 204	187 769	46 435	293 382	255 105	38 277	67 336	-8 158
Cash	136 792	90 357	46 435	112 122	73 845	38 277	-16 512	-8 158
in cash and en route	135 643	89 208	46 435	110 773	72 496	38 277	-16 712	-8 158
in ATMs	1 149	1 149	-	1 349	1 349	-	200	-
Nostro account with Central Bank	97 412	97 412	-	181 260	181 260	-	83 848	-
Nostro accounts	17 313	12 243	5 070	13 252	9 247	4 005	-2 996	-1 065
Residents	17 313	12 243	5 070	13 252	9 247	4 005	-2 996	-1 065
Money in transfer	5 401	5 108	293	5 116	4 827	289	-281	-4
Exchange accounts	35 242	35 242	-	49 210	49 210	-	13 968	-
Provision for impairment of high-liquid assets	-1 000	-1 000	-	-1 000	-1 000	-	-	-
Interest-earning assets	3 074 465	3 049 044	25 421	3 122 183	3 092 672	29 511	43 628	4 090
Securities	44 640	44 640	-	43 783	43 783	-	-857	-
Promissory notes	44 640	44 640	-	43 783	43 783	-	-857	-
Corporate	58 508	58 508	-	58 533	58 533	-	25	-
Banks	876	876	-	-	-	-	-876	-
Provision for impairment of promissory notes	-14 744	-14 744	-	-14 750	-14 750	-	-6	-
Loans to corporate clients	2 496 535	2 496 535	-	2 561 186	2 561 186	-	64 651	-
residents	3 021 384	3 021 384	-	3 036 219	3 036 219	-	14 835	-
up to 30 days	79 030	79 030	-	148 504	148 504	-	69 474	-
up to 180 days	23 400	23 400	-	43 650	43 650	-	20 250	-
up to 1 year	418 536	418 536	-	381 277	381 277	-	-37 259	-
up to 3 years	1 287 891	1 287 891	-	1 277 947	1 277 947	-	-9 944	-
more than 3 years	1 212 527	1 212 527	-	1 184 841	1 184 841	-	-27 686	-
Past-due	135 045	135 045	-	127 075	127 075	-	-7 970	-
residents	132 920	132 920	-	124 950	124 950	-	-7 970	-
state-owned enterprises	2 125	2 125	-	2 125	2 125	-	-	-
Provision for impairment of corporate loans	-659 894	-659 894	-	-602 108	-602 108	-	57 786	-
residents	-657 932	-657 932	-	-600 075	-600 075	-	57 857	-
state-owned enterprises	-1 962	-1 962	-	-2 033	-2 033	-	-71	-
Loans to private entrepreneurs	236 538	211 117	25 421	214 084	184 573	29 511	-26 544	4 090
up to 30 days	4 672	4 672	-	5 096	5 096	-	424	-
up to 180 days	15 000	15 000	-	16 000	16 000	-	1 000	-
up to 1 year	48 434	48 434	-	25 284	25 284	-	-23 150	-
up to 3 years	72 102	46 681	25 421	61 131	31 620	29 511	-15 061	4 090
more than 3 years	117 486	117 486	-	127 411	127 411	-	9 925	-
Past-due	9 506	9 506	-	14 811	14 811	-	5 305	-
Provision for impairment of loans to private entrepreneurs	-30 662	-30 662	-	-35 649	-35 649	-	-4 987	-
Loans to individuals	296 752	296 752	-	303 130	303 130	-	6 378	-
Standard	331 882	331 882	-	342 447	342 447	-	10 565	-
up to 30 days	13 027	13 027	-	5 015	5 015	-	-8 012	-
up to 180 days	51 408	51 408	-	54 290	54 290	-	2 882	-
up to 1 year	62 254	62 254	-	62 179	62 179	-	-75	-
up to 3 years	162 437	162 437	-	165 405	165 405	-	2 968	-
more than 3 years	42 756	42 756	-	55 558	55 558	-	12 802	-
Past-due	48 154	48 154	-	48 163	48 163	-	9	-
Past-due	48 154	48 154	-	48 163	48 163	-	9	-
Provision for impairment of loans to individuals	-83 284	-83 284	-	-87 480	-87 480	-	-4 196	-
Other assets	472 045	471 304	741	483 225	482 013	1 212	10 709	471
Mandatory reserves with Central Bank	25 198	25 198	-	25 101	25 101	-	-97	-
Premises and equipment	131 486	131 486	-	131 056	131 056	-	-430	-
Purchase cost	198 913	198 913	-	198 914	198 914	-	1	-
Depreciation	-67 427	-67 427	-	-67 858	-67 858	-	-431	-
Accrued interest not yet received	52 918	52 890	28	61 428	61 396	32	8 506	4
Non-current assets	201 788	201 788	-	207 713	207 713	-	5 925	-
Other assets	133 453	132 740	713	158 859	157 679	1 180	24 939	467
Provision for impairment of other assets	-77 858	-77 858	-	-104 851	-104 851	-	-26 993	-
Deferred tax asset	5 060	5 060	-	3 919	3 919	-	-1 141	-
LIABILITIES	3 170 166	2 716 527	453 639	3 296 180	2 774 843	521 337	58 316	67 698
Dues to banks	470 485	470 485	-	530 447	530 447	-	59 962	-
On demand	11	11	-	11	11	-	-	-
Residents	11	11	-	11	11	-	-	-
Term	443 000	443 000	-	436 000	436 000	-	-7 000	-
Residents	443 000	443 000	-	436 000	436 000	-	-7 000	-
up to 30 days	90 000	90 000	-	90 000	90 000	-	-	-
up to 180 days	340 000	340 000	-	335 000	335 000	-	-5 000	-
more than 180 days	13 000	13 000	-	11 000	11 000	-	-2 000	-
Other dues to banks	27 474	27 474	-	94 436	94 436	-	66 962	-
On demand	1 063 676	1 025 796	37 880	1 073 771	1 028 360	45 411	2 564	7 531
Corporate clients	949 961	917 833	32 128	963 583	925 354	38 229	7 521	6 101
State-owned enterprises	1 659	1 659	-	690	690	-	-969	-
Residents	948 217	916 089	32 128	962 808	924 579	38 229	8 490	6 101
Non-residents	85	85	-	85	85	-	-	-
Individuals	113 715	107 963	5 752	110 188	103 006	7 182	-4 957	1 430
Residents	113 525	107 875	5 650	109 916	102 850	7 066	-5 025	1 416
Non-residents	190	88	102	272	156	116	68	14
Term	1 558 273	1 149 590	408 683	1 583 001	1 117 379	465 622	-32 211	56 939
Corporate clients	609 104	475 903	133 201	586 350	436 243	150 107	-39 660	16 906
Residents	609 104	475 903	133 201	586 350	436 243	150 107	-39 660	16 906
up to 180 days	116 803	116 803	-	129 643	129 643	-	12 840	-
up to 1 year	55 500	55 500	-	40 000	40 000	-	-15 500	-
up to 3 years	175 701	42 500	133 201	155 607	5 500	150 107	-37 000	16 906
more than 3 years	261 100	261 100	-	261 100	261 100	-	-	-
Individuals	949 169	673 687	275 482	996 651	681 136	315 515	7 449	40 033
residents	948 152	673 687	274 465	995 471	681 136	314 335	7 449	39 870
up to 180 days	137 427	137 427	-	125 242	125 242	-	-12 185	-
up to 1 year	152 279	132 034	20 245	151 816	130 865	20 951	-1 169	706
up to 3 years	342 364	95 806	246 558	383 057	98 455	284 602	2 649	38 044
more than 3 years	316 082	308 420	7 662	335 356	326 574	8 782	18 154	1 120
non-residents	1 017	-	1 017	1 180	-	1 180	-	163
up to 3 years	1 017	-	1 017	1 180	-	1 180	-	163
Securities issued	25 000	25 000	-	50 674	50 674	-	25 674	-
Promissory notes	25 000	25 000	-	50 674	50 674	-	25 674	-
up to 30 days	-	-	-	674	674	-	674	-
up to 180 days	25 000	25 000	-	50 000	50 000	-	25 000	-
Other liabilities	52 732	45 656	7 076	58 287	47 983	10 304	2 327	3 228
Other liabilities	2 666	2 664	2	5 000	4 998	2	2 334	-
Accrued interest not yet paid	34 540	27 466	7 074	37 808	27 506	10 302	40	3 228
Deferred tax liabilities	15 526	15 526	-	15 479	15 479	-	-47	-
EQUITY	667 505	667 505	-	669 188	669 188	-	1 683	-
Capital	110 103	110 103	-	110 103	110 103	-	-	-
Profit from previous years	554 890	554 890	-	554 890	554 890	-	-	-
Retained earnings from previous years	554 890	554 890	-	554 890	554 890	-	-	-
Current year profit	6 777	6 777	-	7 941	7 941	-	1 164	-
Current year retained earnings	6 777	6 777	-	7 941	7 941	-	1 164	-
Future expenses	-4 265	-4 265	-	-3 746	-3 746	-	519	-
OFF-BALANCE SHEET	5 070 406	5 070 406	-	5 036 367	5 036 367	-	-34 039	-
Contingent liabilities	-81 014	-81 014	-	-30 837	-30 837	-	50 177	-
Unused credit limits opened	-81 014	-81 014	-	-30 837	-30 837	-	50 177	-
Collateral on loans	3 972 135	3 972 135	-	3 892 019	3 892 019	-	-80 116	-
goods	3 972 135	3 972 135	-	3 892 019	3 892 019	-	-80 116	-
Unprocessed payments	1 139 860	1 139 860	-	1 135 191	1 135 191	-	-4 669	-
Due to lack of funds on client accounts	1 139 860	1 139 860	-	1 135 191	1 135 191	-	-4 669	-
Other off-balance sheet accounts	39 425	39 425	-	39 994	39 994	-	569	-
Accrued interest not yet received	53 743	53 743	-	54 312	54 312	-	569	-
Written-off interest	-1 292	-1 292	-	-1 292	-1 292	-	-	-
Written-off loans	-13 026	-13 026	-	-13 026	-13 026	-	-	-
Credit card balances	13 027	13 027	-	5 015	5 015	-	-8 012	-
Past due ratio, total	507	510	-3	500	504	-4	-6	-1
Past due ratio, individuals	1 267	1 267	-0	1 233	1 233	-0	-34	0
Past due ratio, corporates	428	428	0	402	402	0	-26	0
Past due ratio, entrepreneurs	356	393	-37	593	673	-80	279	-42
Past due ratio, corporates + entrepreneurs	422	425	-3	416	419	-3	-6	0
Risk-weighted assets	4 881 594	4 881 594	-	4 939 806	4 939 806	-	58 212	-
Past-due rate:	5,07%	5,10%	0,00%	5,00%	5,04%	0,00%	-0,06%	0,00%
corporate clients:	4,22%	4,25%	0,00%	4,16%	4,19%	0,00%	-0,06%	0,00%
individuals:	12,67%	12,67%	-	12,33%	12,33%	-	-0,34%	0,00%

You can also get acquainted with balance sheet aggregation methodics.

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