Kuap. Ru - Balance sheet of УРАЛЬСКИЙ ФИНАНСОВЫЙ ДОМ, analysis of f.101

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	URALSKIY FINANSOVIY DOM	add to comparison
Central Bank of Russia registration number: 249 retail lending, CB RF representative, 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	21 522 791	21 522 791
High liquid assets	1 504 686	1 504 686
Cash and equivalents	1 107 998	1 107 998
Cash	582 245	582 245
in cash and en route	339 304	339 304
in ATMs	242 941	242 941
Nostro account with Central Bank	525 753	525 753
Nostro accounts	186 657	186 657
Non-residents	485	485
Residents	186 172	186 172
Money in transfer	217 570	217 570
Provision for impairment of high-liquid assets	-7 539	-7 539
Interest-earning assets	17 956 937	17 956 937
Dues from banks	3 134 251	3 134 251
Central Bank of Russia	3 075 900	3 075 900
Residents	58 363	58 363
up to 30 days	58 363	58 363
Provision for impairment of loans to banks	-12	-12
Securities	4 237 742	4 237 742
Bonds	4 151 246	4 151 246
Federal Loan Bonds (OFZs), OBRs	3 300 968	3 300 968
Corporate bonds	492 015	492 015
Corporate foreign bonds	452 369	452 369
Valuation allowance	-91 384	-91 384
Past-due	39 578	39 578
Provision for impairment of bonds	-42 300	-42 300
Stocks	86 496	86 496
Residents	169 901	169 901
Valuation allowance	-83 405	-83 405
Loans to corporate clients	2 972 124	2 972 124
residents	2 506 906	2 506 906
up to 30 days	24 293	24 293
up to 180 days	17 104	17 104
up to 1 year	873 042	873 042
up to 3 years	734 312	734 312
more than 3 years	858 155	858 155
Past-due	1 709 202	1 709 202
residents	1 709 195	1 709 195
non-residents	7	7
Provision for impairment of corporate loans	-1 243 984	-1 243 984
residents	-1 243 979	-1 243 979
non-residents	-5	-5
Loans to private entrepreneurs	675 606	675 606
up to 30 days	5 619	5 619
up to 1 year	1 091	1 091
up to 3 years	68 020	68 020
more than 3 years	612 060	612 060
Past-due	130 665	130 665
Provision for impairment of loans to private entrepreneurs	-141 849	-141 849
Loans to individuals	6 937 214	6 937 214
Standard	7 280 943	7 280 943
up to 30 days	36 212	36 212
up to 3 years	157 483	157 483
more than 3 years	7 087 248	7 087 248
Past-due	379 842	379 842
Past-due	379 842	379 842
Provision for impairment of loans to individuals	-723 571	-723 571
Other assets	2 061 168	2 061 168
Mandatory reserves with Central Bank	126 802	126 802
Premises and equipment	1 211 853	1 211 853
Purchase cost	2 042 696	2 042 696
Depreciation	-830 843	-830 843
Accrued interest not yet received	94 609	94 609
Other assets	486 983	486 983
Provision for impairment of other assets	-127 755	-127 755
Deferred tax asset	268 676	268 676
LIABILITIES	17 740 993	17 740 993
Dues to banks	29 006	29 006
Term	28 687	28 687
Central Bank of Russia	28 687	28 687
more than 180 days	28 687	28 687
Other dues to banks	319	319
On demand	3 562 829	3 562 829
Corporate clients	1 851 910	1 851 910
State-owned enterprises	26 947	26 947
Residents	1 812 608	1 812 608
Non-residents	12 355	12 355
Individuals	1 710 919	1 710 919
Residents	1 709 573	1 709 573
Non-residents	1 346	1 346
Term	13 661 547	13 661 547
Corporate clients	2 015 915	2 015 915
Residents	1 515 915	1 515 915
up to 30 days	1 058 172	1 058 172
up to 180 days	409 838	409 838
up to 1 year	41 905	41 905
up to 3 years	6 000	6 000
Non-residents	500 000	500 000
more than 3 years	500 000	500 000
Individuals	11 645 632	11 645 632
residents	11 641 324	11 641 324
up to 180 days	217 955	217 955
up to 1 year	2 041 147	2 041 147
up to 3 years	5 764 591	5 764 591
more than 3 years	3 617 631	3 617 631
non-residents	4 308	4 308
up to 3 years	2 039	2 039
more than 3 years	2 269	2 269
Securities issued	28 619	28 619
Promissory notes	28 619	28 619
up to 1 year	28 614	28 614
more than 3 years	5	5
Other liabilities	458 992	458 992
Other liabilities	217 936	217 936
Accrued interest not yet paid	86 685	86 685
Deferred tax liabilities	154 371	154 371
EQUITY	3 781 799	3 781 799
Capital	2 543 113	2 543 113
Profit from previous years	1 209 631	1 209 631
Retained earnings from previous years	1 209 631	1 209 631
Current year profit	29 055	29 055
Current year retained earnings	29 055	29 055
OFF-BALANCE SHEET	22 748 308	22 748 308
Unused credit limits available	550 000	550 000
Contingent liabilities	-1 039 243	-1 039 243
Guarantees issued	-99 756	-99 756
Unused credit limits opened	-909 778	-909 778
Unused guarantee limits	-29 709	-29 709
Collateral on loans	21 308 570	21 308 570
goods	14 680 949	14 680 949
securities	6 627 621	6 627 621
Unprocessed payments	2 375 828	2 375 828
Due to lack of funds on client accounts	2 375 828	2 375 828
Other off-balance sheet accounts	-446 847	-446 847
Written-off interest	-33 090	-33 090
Written-off loans	-413 757	-413 757
Credit card balances	36 212	36 212
Risk-weighted assets	16 408 167	16 408 167
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-15,78%	-100,0%
including corporate loans:	-27,53%	-100,0%
including individual loans:	-9,45%	-100,0%
Past-due rate:	-17,49%	-100,0%
corporate clients:	-36,55%	-100,0%
individuals:	-4,96%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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