Kuap. Ru - Balance sheet of БИЗНЕС-СЕРВИС-ТРАСТ, analysis of f.101

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	BIZNES-SERVIS-TRAST	add to comparison
Central Bank of Russia registration number: 2883 retail lending

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	2 948 683	2 948 683
High liquid assets	189 168	189 168
Cash and equivalents	125 270	125 270
Cash	69 776	69 776
in cash and en route	59 091	59 091
in ATMs	10 685	10 685
Nostro account with Central Bank	55 494	55 494
Nostro accounts	50 108	50 108
Residents	50 108	50 108
Money in transfer	15 472	15 472
Provision for impairment of high-liquid assets	-1 682	-1 682
Interest-earning assets	2 236 159	2 236 159
Dues from banks	48 731	48 731
Central Bank of Russia	45 000	45 000
Residents	3 731	3 731
up to 30 days	3 731	3 731
Securities	291 348	291 348
Bonds	287 500	287 500
Federal Loan Bonds (OFZs), OBRs	40 575	40 575
Corporate bonds	170 863	170 863
Financial institutions bonds	51 594	51 594
Foreign sovereign bonds	28 650	28 650
Valuation allowance	-4 182	-4 182
Stocks	3 848	3 848
Residents	2 700	2 700
Valuation allowance	1 148	1 148
Loans to corporate clients	438 365	438 365
residents	459 461	459 461
up to 30 days	96 426	96 426
up to 1 year	3 000	3 000
up to 3 years	22 575	22 575
more than 3 years	337 460	337 460
Past-due	38 708	38 708
residents	38 708	38 708
Provision for impairment of corporate loans	-59 804	-59 804
residents	-59 804	-59 804
Loans to private entrepreneurs	29 494	29 494
up to 30 days	1 231	1 231
up to 3 years	2 363	2 363
more than 3 years	26 762	26 762
Past-due	1 316	1 316
Provision for impairment of loans to private entrepreneurs	-2 178	-2 178
Loans to individuals	1 428 221	1 428 221
Standard	1 442 889	1 442 889
up to 1 year	972	972
up to 3 years	45 839	45 839
more than 3 years	1 396 078	1 396 078
Past-due	33 238	33 238
Past-due	33 238	33 238
Provision for impairment of loans to individuals	-47 906	-47 906
Other assets	523 356	523 356
Mandatory reserves with Central Bank	6 043	6 043
Premises and equipment	135 150	135 150
Purchase cost	189 429	189 429
Depreciation	-54 279	-54 279
Accrued interest not yet received	75 542	75 542
Other assets	332 172	332 172
Provision for impairment of other assets	-27 153	-27 153
Deferred tax asset	1 602	1 602
LIABILITIES	2 111 131	2 111 131
Dues to banks	176	176
Other dues to banks	176	176
On demand	205 253	205 253
Corporate clients	166 029	166 029
Residents	166 029	166 029
Individuals	39 224	39 224
Residents	39 224	39 224
Term	1 821 892	1 821 892
Corporate clients	10 386	10 386
Residents	10 386	10 386
up to 180 days	7 000	7 000
up to 3 years	121	121
more than 3 years	3 265	3 265
Individuals	1 811 506	1 811 506
residents	1 811 506	1 811 506
up to 180 days	167	167
up to 1 year	4 832	4 832
up to 3 years	413 639	413 639
more than 3 years	1 392 868	1 392 868
Other liabilities	83 810	83 810
Other liabilities	76 591	76 591
Accrued interest not yet paid	7 219	7 219
EQUITY	837 552	837 552
Capital	700 028	700 028
Profit from previous years	135 857	135 857
Retained earnings from previous years	135 857	135 857
Current year profit	1 667	1 667
Current year retained earnings	1 667	1 667
OFF-BALANCE SHEET	3 503 642	3 503 642
Contingent liabilities	-102 340	-102 340
Unused credit limits opened	-102 340	-102 340
Collateral on loans	3 482 119	3 482 119
goods	3 481 106	3 481 106
securities	1 013	1 013
Unprocessed payments	148 226	148 226
Due to lack of funds on client accounts	148 226	148 226
Other off-balance sheet accounts	-24 363	-24 363
Written-off interest	-22 667	-22 667
Written-off loans	-1 696	-1 696
Risk-weighted assets	4 639 820	4 639 820
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-5,40%	-100,0%
including corporate loans:	-11,70%	-100,0%
including individual loans:	-3,25%	-100,0%
Past-due rate:	-3,65%	-100,0%
corporate clients:	-7,55%	-100,0%
individuals:	-2,25%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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