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

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	MOSURALBANK	add to comparison
Central Bank of Russia registration number: 2468 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	5 106 219	5 106 219
High liquid assets	367 925	367 925
Cash and equivalents	292 071	292 071
Cash	177 381	177 381
in cash and en route	168 676	168 676
in ATMs	8 705	8 705
Nostro account with Central Bank	114 690	114 690
Nostro accounts	52 624	52 624
Residents	52 624	52 624
Money in transfer	23 230	23 230
Interest-earning assets	3 615 004	3 615 004
Dues from banks	970 927	970 927
Central Bank of Russia	770 000	770 000
Residents	4 712	4 712
up to 30 days	4 712	4 712
Loans past-due	248 374	248 374
residents	248 374	248 374
Provision for impairment of loans to banks	-52 159	-52 159
Securities	48 691	48 691
Bonds	44 593	44 593
Federal Loan Bonds (OFZs), OBRs	34 762	34 762
Financial institutions bonds	9 950	9 950
Valuation allowance	-119	-119
Stocks	4 098	4 098
Residents	4 209	4 209
Valuation allowance	-111	-111
Loans to corporate clients	2 508 677	2 508 677
residents	2 631 314	2 631 314
up to 30 days	1 385	1 385
up to 180 days	550 670	550 670
up to 1 year	1 081 350	1 081 350
up to 3 years	630 049	630 049
more than 3 years	367 860	367 860
Past-due	518 457	518 457
residents	518 457	518 457
Provision for impairment of corporate loans	-641 094	-641 094
residents	-641 094	-641 094
Loans to private entrepreneurs	1 792	1 792
up to 1 year	1 500	1 500
up to 3 years	316	316
Provision for impairment of loans to private entrepreneurs	-24	-24
Loans to individuals	84 917	84 917
Standard	75 202	75 202
up to 30 days	624	624
up to 1 year	10 332	10 332
up to 3 years	10 422	10 422
more than 3 years	53 824	53 824
Memo: mortgage loans	10 147	10 147
Past-due	29 255	29 255
Past-due	29 255	29 255
Memo: mortgage loans past-due	1 681	1 681
Provision for impairment of loans to individuals	-19 540	-19 540
Other assets	1 123 290	1 123 290
Mandatory reserves with Central Bank	30 789	30 789
Premises and equipment	139 591	139 591
Purchase cost	158 815	158 815
Depreciation	-19 224	-19 224
Accrued interest not yet received	18 390	18 390
Other assets	985 247	985 247
Provision for impairment of other assets	-50 727	-50 727
LIABILITIES	4 317 811	4 317 811
On demand	647 484	647 484
Corporate clients	538 122	538 122
Residents	538 122	538 122
Individuals	109 362	109 362
Residents	109 313	109 313
Non-residents	49	49
Term	3 525 694	3 525 694
Corporate clients	280 487	280 487
Residents	280 487	280 487
up to 180 days	3 000	3 000
up to 1 year	4 782	4 782
up to 3 years	205	205
more than 3 years	272 500	272 500
Individuals	3 245 207	3 245 207
residents	3 245 001	3 245 001
up to 180 days	30 476	30 476
up to 1 year	5 463	5 463
up to 3 years	2 964 339	2 964 339
more than 3 years	244 723	244 723
non-residents	206	206
up to 3 years	206	206
Other liabilities	144 633	144 633
Other liabilities	138 925	138 925
Accrued interest not yet paid	5 708	5 708
EQUITY	788 408	788 408
Capital	992 381	992 381
Profit from previous years	75 590	75 590
Retained earnings from previous years	75 590	75 590
Current year profit	-277 414	-277 414
Current year retained earnings	-277 414	-277 414
Future expenses	-2 149	-2 149
OFF-BALANCE SHEET	19 437 935	19 437 935
Unused credit limits available	100 000	100 000
Contingent liabilities	-590 312	-590 312
Guarantees issued	-552 213	-552 213
Unused credit limits opened	-38 099	-38 099
Collateral on loans	6 712 985	6 712 985
goods	6 694 246	6 694 246
securities	18 739	18 739
Unprocessed payments	13 189 710	13 189 710
Due to lack of funds on client accounts	13 189 710	13 189 710
Other off-balance sheet accounts	25 552	25 552
Accrued interest not yet received	64 381	64 381
Written-off interest	-2 062	-2 062
Written-off loans	-36 767	-36 767
Credit card balances	624	624
Risk-weighted assets	5 748 573	5 748 573
Reserve rates:
Loans to banks:	-5,10%	-100,0%
Customer loans, total:	-20,28%	-100,0%
including corporate loans:	-20,34%	-100,0%
including individual loans:	-18,71%	-100,0%
Past-due rate:	-16,82%	-100,0%
corporate clients:	-16,45%	-100,0%
individuals:	-28,01%	-100,0%
o/w mortgages:	-16,57%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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