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

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	KUBANSKIY UNIVERSALNIY BANK	add to comparison
Central Bank of Russia registration number: 2898

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	2 841 085	2 841 085
High liquid assets	244 176	244 176
Cash and equivalents	219 099	219 099
Cash	191 110	191 110
in cash and en route	85 656	85 656
in ATMs	105 454	105 454
Nostro account with Central Bank	27 989	27 989
Nostro accounts	27 545	27 545
Residents	27 545	27 545
Money in transfer	3 373	3 373
Provision for impairment of high-liquid assets	-5 841	-5 841
Interest-earning assets	1 442 650	1 442 650
Dues from banks	112 650	112 650
Central Bank of Russia	100 000	100 000
Residents	16 013	16 013
up to 30 days	16 013	16 013
Loans past-due	30 089	30 089
residents	30 089	30 089
Provision for impairment of loans to banks	-33 452	-33 452
Loans to corporate clients	896 161	896 161
residents	973 317	973 317
up to 30 days	15 314	15 314
up to 180 days	482 398	482 398
up to 1 year	117 050	117 050
up to 3 years	186 260	186 260
more than 3 years	172 295	172 295
Past-due	633 371	633 371
residents	633 371	633 371
Provision for impairment of corporate loans	-710 527	-710 527
residents	-710 527	-710 527
Loans to private entrepreneurs	9 978	9 978
up to 3 years	6 484	6 484
more than 3 years	4 034	4 034
Provision for impairment of loans to private entrepreneurs	-540	-540
Loans to individuals	423 861	423 861
Standard	457 206	457 206
up to 30 days	2 395	2 395
up to 180 days	42 537	42 537
up to 1 year	131 929	131 929
up to 3 years	93 120	93 120
more than 3 years	187 225	187 225
Memo: mortgage loans	140 361	140 361
Past-due	48 287	48 287
Past-due	48 287	48 287
Memo: mortgage loans past-due	18 137	18 137
Provision for impairment of loans to individuals	-81 632	-81 632
Other assets	1 154 259	1 154 259
Mandatory reserves with Central Bank	13 909	13 909
Premises and equipment	318 254	318 254
Purchase cost	348 748	348 748
Depreciation	-30 494	-30 494
Accrued interest not yet received	2 573	2 573
Other assets	493 865	493 865
Investments in subsidiaries	350 000	350 000
Provision for impairment of other assets	-59 331	-59 331
Deferred tax asset	34 989	34 989
LIABILITIES	2 159 665	2 159 665
Dues to banks	1 312	1 312
Other dues to banks	1 312	1 312
On demand	686 746	686 746
Corporate clients	373 266	373 266
State-owned enterprises	201 259	201 259
Residents	172 007	172 007
Individuals	313 480	313 480
Residents	312 375	312 375
Non-residents	1 105	1 105
Term	1 465 173	1 465 173
Corporate clients	365 045	365 045
Residents	333 802	333 802
up to 180 days	194 384	194 384
up to 1 year	5 000	5 000
up to 3 years	1 751	1 751
more than 3 years	132 667	132 667
State-owned enterprises	31 243	31 243
up to 1 year	31 243	31 243
Individuals	1 100 128	1 100 128
residents	1 097 808	1 097 808
up to 180 days	47 816	47 816
up to 1 year	693 878	693 878
up to 3 years	356 114	356 114
non-residents	2 320	2 320
up to 1 year	2 260	2 260
up to 3 years	60	60
Other liabilities	6 434	6 434
Other liabilities	1 132	1 132
Accrued interest not yet paid	5 302	5 302
EQUITY	681 420	681 420
Capital	772 048	772 048
Profit from previous years	24 817	24 817
Retained earnings from previous years	24 817	24 817
Current year profit	-116 734	-116 734
Current year retained earnings	-116 734	-116 734
Future expenses	1 289	1 289
OFF-BALANCE SHEET	2 247 201	2 247 201
Contingent liabilities	-105 944	-105 944
Unused credit limits opened	-105 944	-105 944
Collateral on loans	2 233 549	2 233 549
goods	1 939 124	1 939 124
securities	294 425	294 425
Unprocessed payments	87 708	87 708
Due to lack of funds on client accounts	87 708	87 708
Other off-balance sheet accounts	31 888	31 888
Accrued interest not yet received	51 321	51 321
Written-off interest	-484	-484
Written-off loans	-18 949	-18 949
Credit card balances	2 395	2 395
Risk-weighted assets	3 355 638	3 355 638
Reserve rates:
Loans to banks:	-22,90%	-100,0%
Customer loans, total:	-37,17%	-100,0%
including corporate loans:	-43,97%	-100,0%
including individual loans:	-16,15%	-100,0%
Past-due rate:	-32,11%	-100,0%
corporate clients:	-39,16%	-100,0%
individuals:	-9,55%	-100,0%
o/w mortgages:	-12,92%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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