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

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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. 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	3 965 368	3 965 368
High liquid assets	359 960	359 960
Cash and equivalents	293 382	293 382
Cash	112 122	112 122
in cash and en route	110 773	110 773
in ATMs	1 349	1 349
Nostro account with Central Bank	181 260	181 260
Nostro accounts	13 252	13 252
Residents	13 252	13 252
Money in transfer	5 116	5 116
Exchange accounts	49 210	49 210
Provision for impairment of high-liquid assets	-1 000	-1 000
Interest-earning assets	3 122 183	3 122 183
Securities	43 783	43 783
Promissory notes	43 783	43 783
Corporate	58 533	58 533
Provision for impairment of promissory notes	-14 750	-14 750
Loans to corporate clients	2 561 186	2 561 186
residents	3 036 219	3 036 219
up to 30 days	148 504	148 504
up to 180 days	43 650	43 650
up to 1 year	381 277	381 277
up to 3 years	1 277 947	1 277 947
more than 3 years	1 184 841	1 184 841
Past-due	127 075	127 075
residents	124 950	124 950
state-owned enterprises	2 125	2 125
Provision for impairment of corporate loans	-602 108	-602 108
residents	-600 075	-600 075
state-owned enterprises	-2 033	-2 033
Loans to private entrepreneurs	214 084	214 084
up to 30 days	5 096	5 096
up to 180 days	16 000	16 000
up to 1 year	25 284	25 284
up to 3 years	61 131	61 131
more than 3 years	127 411	127 411
Past-due	14 811	14 811
Provision for impairment of loans to private entrepreneurs	-35 649	-35 649
Loans to individuals	303 130	303 130
Standard	342 447	342 447
up to 30 days	5 015	5 015
up to 180 days	54 290	54 290
up to 1 year	62 179	62 179
up to 3 years	165 405	165 405
more than 3 years	55 558	55 558
Past-due	48 163	48 163
Past-due	48 163	48 163
Provision for impairment of loans to individuals	-87 480	-87 480
Other assets	483 225	483 225
Mandatory reserves with Central Bank	25 101	25 101
Premises and equipment	131 056	131 056
Purchase cost	198 914	198 914
Depreciation	-67 858	-67 858
Accrued interest not yet received	61 428	61 428
Non-current assets	207 713	207 713
Other assets	158 859	158 859
Provision for impairment of other assets	-104 851	-104 851
Deferred tax asset	3 919	3 919
LIABILITIES	3 296 180	3 296 180
Dues to banks	530 447	530 447
On demand	11	11
Residents	11	11
Term	436 000	436 000
Residents	436 000	436 000
up to 30 days	90 000	90 000
up to 180 days	335 000	335 000
more than 180 days	11 000	11 000
Other dues to banks	94 436	94 436
On demand	1 073 771	1 073 771
Corporate clients	963 583	963 583
State-owned enterprises	690	690
Residents	962 808	962 808
Non-residents	85	85
Individuals	110 188	110 188
Residents	109 916	109 916
Non-residents	272	272
Term	1 583 001	1 583 001
Corporate clients	586 350	586 350
Residents	586 350	586 350
up to 180 days	129 643	129 643
up to 1 year	40 000	40 000
up to 3 years	155 607	155 607
more than 3 years	261 100	261 100
Individuals	996 651	996 651
residents	995 471	995 471
up to 180 days	125 242	125 242
up to 1 year	151 816	151 816
up to 3 years	383 057	383 057
more than 3 years	335 356	335 356
non-residents	1 180	1 180
up to 3 years	1 180	1 180
Securities issued	50 674	50 674
Promissory notes	50 674	50 674
up to 30 days	674	674
up to 180 days	50 000	50 000
Other liabilities	58 287	58 287
Other liabilities	5 000	5 000
Accrued interest not yet paid	37 808	37 808
Deferred tax liabilities	15 479	15 479
EQUITY	669 188	669 188
Capital	110 103	110 103
Profit from previous years	554 890	554 890
Retained earnings from previous years	554 890	554 890
Current year profit	7 941	7 941
Current year retained earnings	7 941	7 941
Future expenses	-3 746	-3 746
OFF-BALANCE SHEET	5 036 367	5 036 367
Contingent liabilities	-30 837	-30 837
Unused credit limits opened	-30 837	-30 837
Collateral on loans	3 892 019	3 892 019
goods	3 892 019	3 892 019
Unprocessed payments	1 135 191	1 135 191
Due to lack of funds on client accounts	1 135 191	1 135 191
Other off-balance sheet accounts	39 994	39 994
Accrued interest not yet received	54 312	54 312
Written-off interest	-1 292	-1 292
Written-off loans	-13 026	-13 026
Credit card balances	5 015	5 015
Risk-weighted assets	4 939 806	4 939 806
Reserve rates:
Customer loans, total:	-18,05%	-100,0%
including corporate loans:	-18,69%	-100,0%
including individual loans:	-22,40%	-100,0%
Past-due rate:	-5,00%	-100,0%
corporate clients:	-4,16%	-100,0%
individuals:	-12,33%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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