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

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	SEMBANK	add to comparison
Central Bank of Russia registration number: 2606

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	936 469	936 469
High liquid assets	22 316	22 316
Cash and equivalents	969	969
Cash	517	517
in cash and en route	517	517
Nostro account with Central Bank	452	452
Nostro accounts	122	122
Residents	122	122
Money in transfer	509	509
Exchange accounts	20 716	20 716
Interest-earning assets	798 673	798 673
Dues from banks	130	130
Residents	130	130
up to 30 days	130	130
Securities	26 034	26 034
Bonds	25 736	25 736
Federal Loan Bonds (OFZs), OBRs	8 648	8 648
Corporate bonds	7 709	7 709
Financial institutions bonds	9 893	9 893
Valuation allowance	-514	-514
Stocks	298	298
Residents	296	296
Valuation allowance	2	2
Loans to corporate clients	77 613	77 613
residents	89 372	89 372
up to 30 days	2 000	2 000
up to 180 days	14 660	14 660
up to 1 year	55 750	55 750
up to 3 years	16 962	16 962
Past-due	4 865	4 865
residents	4 865	4 865
Provision for impairment of corporate loans	-16 624	-16 624
residents	-16 624	-16 624
Loans to individuals	694 896	694 896
Standard	528 292	528 292
up to 30 days	838	838
up to 180 days	124 169	124 169
up to 1 year	166 557	166 557
up to 3 years	236 728	236 728
Past-due	239 305	239 305
Past-due	239 305	239 305
Provision for impairment of loans to individuals	-72 701	-72 701
Other assets	115 480	115 480
Mandatory reserves with Central Bank	22 109	22 109
Premises and equipment	91 200	91 200
Purchase cost	110 435	110 435
Depreciation	-19 235	-19 235
Other assets	2 360	2 360
Provision for impairment of other assets	-206	-206
Derivatives - assets	17	17
LIABILITIES	765 748	765 748
Dues to banks	174 341	174 341
Term	174 341	174 341
Residents	174 341	174 341
more than 180 days	144 978	144 978
Past-due	29 363	29 363
On demand	119 764	119 764
Corporate clients	60 532	60 532
State-owned enterprises	449	449
Residents	59 670	59 670
Non-residents	413	413
Individuals	18 256	18 256
Residents	17 216	17 216
Non-residents	1 040	1 040
Brokerage accounts	40 976	40 976
Residents	40 976	40 976
Term	237 637	237 637
Corporate clients	93 022	93 022
Residents	93 022	93 022
up to 180 days	80 000	80 000
up to 1 year	3 022	3 022
up to 3 years	10 000	10 000
Individuals	144 615	144 615
residents	142 455	142 455
up to 180 days	8 407	8 407
up to 1 year	18 512	18 512
up to 3 years	64 315	64 315
more than 3 years	51 221	51 221
non-residents	2 160	2 160
up to 1 year	14	14
up to 3 years	2 145	2 145
more than 3 years	1	1
Other liabilities	234 006	234 006
Other liabilities	4 224	4 224
Accrued interest not yet paid	11 100	11 100
Liabilities past-due	218 514	218 514
Derivatives - liabilities	168	168
EQUITY	170 721	170 721
Capital	241 939	241 939
Profit from previous years	-10 756	-10 756
Retained earnings from previous years	-10 756	-10 756
Current year profit	-58 957	-58 957
Current year retained earnings	-58 957	-58 957
Future expenses	-1 505	-1 505
OFF-BALANCE SHEET	7 241	7 241
Unused credit limits available	30 000	30 000
Contingent liabilities	-24 499	-24 499
Guarantees issued	-18 000	-18 000
Unused credit limits opened	-6 499	-6 499
Collateral on loans	3 100	3 100
goods	3 100	3 100
Other off-balance sheet accounts	-1 360	-1 360
Accrued interest not yet received	1 117	1 117
Written-off interest	-246	-246
Written-off loans	-2 231	-2 231
Credit card balances	838	838
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-10,36%	-100,0%
including corporate loans:	-17,64%	-100,0%
including individual loans:	-9,47%	-100,0%
Past-due rate:	-28,33%	-100,0%
corporate clients:	-5,16%	-100,0%
individuals:	-31,18%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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