Kuap. Ru - Balance sheet of НАРОДНЫЙ КРЕДИТ, analysis of f.101

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	NARODNIY KREDIT	add to comparison
Central Bank of Russia registration number: 2401

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	26 793 631	26 793 631
High liquid assets	466 305	466 305
Cash and equivalents	371 842	371 842
Cash	313 835	313 835
in cash and en route	310 719	310 719
in ATMs	2 103	2 103
precious metals	1 013	1 013
Nostro account with Central Bank	58 007	58 007
Nostro accounts	72 442	72 442
Non-residents	535	535
Residents	71 907	71 907
Money in transfer	25 346	25 346
Exchange accounts	212	212
Provision for impairment of high-liquid assets	-3 537	-3 537
Interest-earning assets	24 074 737	24 074 737
Dues from banks	867	867
Residents	867	867
up to 30 days	70	70
more than 180 days	797	797
Loans past-due	20 000	20 000
residents	20 000	20 000
Provision for impairment of loans to banks	-20 000	-20 000
Securities	2 320 185	2 320 185
Promissory notes	2 206 680	2 206 680
Corporate	2 512 987	2 512 987
Provision for impairment of promissory notes	-306 307	-306 307
Stocks	113 505	113 505
Residents	82 471	82 471
Valuation allowance	-711	-711
Pledged under REPO	31 745	31 745
Loans to corporate clients	18 647 461	18 647 461
residents	23 788 607	23 788 607
up to 30 days	91 197	91 197
up to 180 days	1 899 218	1 899 218
up to 1 year	13 672 890	13 672 890
up to 3 years	5 423 767	5 423 767
more than 3 years	2 701 535	2 701 535
state-owned enterprises	24 001	24 001
up to 180 days	2 866	2 866
more than 3 years	21 135	21 135
Past-due	1 207 234	1 207 234
residents	1 207 234	1 207 234
Provision for impairment of corporate loans	-6 372 381	-6 372 381
residents	-6 351 103	-6 351 103
state-owned enterprises	-21 278	-21 278
Loans to private entrepreneurs	155 208	155 208
up to 180 days	17 143	17 143
up to 1 year	10 880	10 880
up to 3 years	104 311	104 311
more than 3 years	24 316	24 316
Past-due	14 238	14 238
Provision for impairment of loans to private entrepreneurs	-15 680	-15 680
Loans to individuals	2 951 016	2 951 016
Standard	3 310 393	3 310 393
up to 30 days	27 409	27 409
up to 180 days	98	98
up to 1 year	19 658	19 658
up to 3 years	551 176	551 176
more than 3 years	2 712 052	2 712 052
Past-due	257 821	257 821
Past-due	257 821	257 821
Provision for impairment of loans to individuals	-617 198	-617 198
Other assets	2 252 589	2 252 589
Mandatory reserves with Central Bank	1 006 715	1 006 715
Premises and equipment	415 375	415 375
Purchase cost	564 258	564 258
Depreciation	-148 883	-148 883
Accrued interest not yet received	30 523	30 523
Other assets	1 272 751	1 272 751
Provision for impairment of other assets	-596 441	-596 441
Deferred tax asset	123 666	123 666
LIABILITIES	26 240 168	26 240 168
Dues to banks	289 486	289 486
On demand	2 097	2 097
Residents	2 097	2 097
Term	6	6
Residents	6	6
more than 180 days	6	6
Other dues to banks	287 383	287 383
On demand	3 599 570	3 599 570
Corporate clients	2 174 507	2 174 507
State-owned enterprises	24 369	24 369
Residents	2 134 629	2 134 629
Non-residents	15 509	15 509
Individuals	1 425 063	1 425 063
Residents	1 412 316	1 412 316
Non-residents	12 747	12 747
Term	16 875 348	16 875 348
Corporate clients	636 098	636 098
Residents	636 098	636 098
up to 30 days	24 778	24 778
up to 180 days	9 920	9 920
up to 1 year	70 000	70 000
up to 3 years	31 400	31 400
more than 3 years	500 000	500 000
Individuals	16 239 250	16 239 250
residents	16 136 739	16 136 739
up to 180 days	115 323	115 323
up to 1 year	535 991	535 991
up to 3 years	14 215 197	14 215 197
more than 3 years	1 270 228	1 270 228
non-residents	102 511	102 511
up to 180 days	720	720
up to 1 year	1 970	1 970
up to 3 years	84 691	84 691
more than 3 years	15 130	15 130
Securities issued	5 044 501	5 044 501
Promissory notes	4 044 501	4 044 501
up to 180 days	413	413
up to 1 year	2 188 218	2 188 218
up to 3 years	1 709 933	1 709 933
more than 3 years	653 348	653 348
Discount accrued	-507 411	-507 411
Depositary certificates	1 000 000	1 000 000
more than 180 days	1 000 000	1 000 000
Other liabilities	431 263	431 263
Other liabilities	132 010	132 010
Accrued interest not yet paid	154 781	154 781
Liabilities past-due	136 701	136 701
Derivatives - liabilities	7 771	7 771
EQUITY	553 463	553 463
Capital	4 181 165	4 181 165
Profit from previous years	41 488	41 488
Retained earnings from previous years	41 488	41 488
Current year profit	-3 621 621	-3 621 621
Current year retained earnings	-3 621 621	-3 621 621
Future expenses	-47 569	-47 569
OFF-BALANCE SHEET	2 989 751	2 989 751
Unused credit limits available	200 000	200 000
Contingent liabilities	-4 716 801	-4 716 801
Guarantees issued	-3 425 519	-3 425 519
Unused credit limits opened	-1 291 182	-1 291 182
Unused guarantee limits	-100	-100
Collateral on loans	5 955 336	5 955 336
goods	5 704 503	5 704 503
securities	250 833	250 833
Unprocessed payments	1 495 074	1 495 074
Due to lack of funds on client accounts	1 495 074	1 495 074
Other off-balance sheet accounts	56 142	56 142
Accrued interest not yet received	147 761	147 761
Written-off interest	-4 846	-4 846
Written-off loans	-86 773	-86 773
Credit card balances	27 409	27 409
Risk-weighted assets	38 293 467	38 293 467
Reserve rates:
Loans to banks:	-95,85%	-100,0%
Customer loans, total:	-24,23%	-100,0%
including corporate loans:	-25,36%	-100,0%
including individual loans:	-17,30%	-100,0%
Past-due rate:	-5,14%	-100,0%
corporate clients:	-4,85%	-100,0%
individuals:	-7,23%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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