Kuap. Ru - Balance sheet of ЛОКО-БАНК, analysis of f.101

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	LOKO-BANK	add to comparison
Central Bank of Russia registration number: 2707 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	131 245 089	131 245 089
High liquid assets	11 492 507	11 492 507
Cash and equivalents	5 811 096	5 811 096
Cash	2 697 292	2 697 292
in cash and en route	2 589 548	2 589 548
in ATMs	107 744	107 744
Nostro account with Central Bank	3 113 804	3 113 804
Nostro accounts	5 602 829	5 602 829
Non-residents	1 202 672	1 202 672
Residents	4 400 157	4 400 157
Money in transfer	109 523	109 523
Provision for impairment of high-liquid assets	-30 941	-30 941
Interest-earning assets	115 901 391	115 901 391
Dues from banks	4 214 729	4 214 729
Residents	4 214 729	4 214 729
up to 30 days	4 214 729	4 214 729
Securities	53 260 457	53 260 457
Bonds	53 260 457	53 260 457
Federal Loan Bonds (OFZs), OBRs	48 135 132	48 135 132
Corporate bonds	1 078 243	1 078 243
Financial institutions bonds	1 561 745	1 561 745
Foreign sovereign bonds	878 402	878 402
Corporate foreign bonds	943 684	943 684
Valuation allowance	-100 338	-100 338
Pledged under REPO	765 290	765 290
Provision for impairment of bonds	-1 701	-1 701
Loans to corporate clients	4 888 301	4 888 301
residents	4 497 810	4 497 810
up to 180 days	2 625 696	2 625 696
up to 1 year	508 950	508 950
up to 3 years	585 917	585 917
more than 3 years	777 247	777 247
Past-due	679 092	679 092
residents	679 092	679 092
Provision for impairment of corporate loans	-288 601	-288 601
residents	-288 601	-288 601
Loans to private entrepreneurs	79 124	79 124
up to 3 years	420	420
more than 3 years	59 197	59 197
Past-due	60 041	60 041
Provision for impairment of loans to private entrepreneurs	-40 534	-40 534
Loans to individuals	53 458 780	53 458 780
Standard	54 205 521	54 205 521
up to 30 days	1 569	1 569
up to 180 days	59 976	59 976
up to 1 year	880 779	880 779
up to 3 years	2 128 506	2 128 506
more than 3 years	51 134 691	51 134 691
Past-due	2 756 183	2 756 183
Past-due	2 756 183	2 756 183
Provision for impairment of loans to individuals	-3 502 924	-3 502 924
Other assets	3 851 191	3 851 191
Mandatory reserves with Central Bank	667 505	667 505
Premises and equipment	764 254	764 254
Purchase cost	1 565 930	1 565 930
Depreciation	-801 676	-801 676
Accrued interest not yet received	738 546	738 546
Other assets	2 599 015	2 599 015
Investments in subsidiaries	17 248	17 248
Provision for impairment of other assets	-1 233 996	-1 233 996
Deferred tax asset	298 619	298 619
LIABILITIES	108 514 098	108 514 098
Dues to banks	22 457 875	22 457 875
On demand	37	37
Residents	37	37
Term	22 457 838	22 457 838
Residents	22 457 838	22 457 838
up to 30 days	22 457 838	22 457 838
On demand	24 221 645	24 221 645
Corporate clients	10 797 070	10 797 070
Residents	6 064 210	6 064 210
Non-residents	4 732 860	4 732 860
Individuals	13 361 815	13 361 815
Residents	13 277 279	13 277 279
Non-residents	84 536	84 536
Brokerage accounts	62 760	62 760
Residents	62 760	62 760
Term	60 285 381	60 285 381
Corporate clients	8 431 780	8 431 780
Residents	8 259 922	8 259 922
up to 30 days	3 598 765	3 598 765
up to 180 days	2 650 940	2 650 940
up to 1 year	1 622 835	1 622 835
up to 3 years	351 245	351 245
more than 3 years	36 137	36 137
Non-residents	171 858	171 858
up to 30 days	171 858	171 858
Individuals	51 853 601	51 853 601
residents	51 720 611	51 720 611
up to 180 days	165 278	165 278
up to 1 year	727 949	727 949
up to 3 years	11 336 432	11 336 432
more than 3 years	39 490 952	39 490 952
non-residents	132 990	132 990
up to 3 years	82 549	82 549
more than 3 years	50 441	50 441
Securities issued	11 500	11 500
Promissory notes	11 500	11 500
up to 3 years	6 500	6 500
more than 3 years	5 000	5 000
Other liabilities	1 537 697	1 537 697
Other liabilities	966 960	966 960
Accrued interest not yet paid	570 737	570 737
EQUITY	22 730 991	22 730 991
Capital	2 948 055	2 948 055
Profit from previous years	19 003 677	19 003 677
Retained earnings from previous years	19 003 677	19 003 677
Current year profit	779 259	779 259
Current year retained earnings	779 259	779 259
OFF-BALANCE SHEET	91 176 304	91 176 304
Unused credit limits available	4 000 000	4 000 000
Contingent liabilities	-104 286 969	-104 286 969
Guarantees issued	-34 773 983	-34 773 983
Unused credit limits opened	-7 575 463	-7 575 463
Unused guarantee limits	-61 937 523	-61 937 523
Collateral on loans	184 402 234	184 402 234
goods	180 882 043	180 882 043
securities	3 520 191	3 520 191
Unprocessed payments	11 043 524	11 043 524
Due to lack of funds on client accounts	11 043 524	11 043 524
Other off-balance sheet accounts	-3 982 485	-3 982 485
Written-off interest	-417 462	-417 462
Written-off loans	-3 565 023	-3 565 023
Credit card balances	1 569	1 569
Risk-weighted assets	113 586 493	113 586 493
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-6,15%	-100,0%
including corporate loans:	-6,21%	-100,0%
including individual loans:	-6,15%	-100,0%
Past-due rate:	-5,61%	-100,0%
corporate clients:	-13,95%	-100,0%
individuals:	-4,84%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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