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

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	ZEMSKIY BANK	add to comparison
Central Bank of Russia registration number: 2900 retail funding

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	6 079 282	6 079 282
High liquid assets	597 243	597 243
Cash and equivalents	551 855	551 855
Cash	374 494	374 494
in cash and en route	298 625	298 625
in ATMs	75 869	75 869
Nostro account with Central Bank	177 361	177 361
Nostro accounts	31 295	31 295
Non-residents	2 827	2 827
Residents	28 468	28 468
Money in transfer	14 380	14 380
Provision for impairment of high-liquid assets	-287	-287
Interest-earning assets	4 718 396	4 718 396
Dues from banks	441 255	441 255
Central Bank of Russia	430 000	430 000
Residents	11 338	11 338
up to 30 days	11 338	11 338
Provision for impairment of loans to banks	-83	-83
Securities	212 681	212 681
Bonds	212 681	212 681
Federal Loan Bonds (OFZs), OBRs	212 681	212 681
Loans to corporate clients	3 536 031	3 536 031
residents	3 538 544	3 538 544
up to 30 days	8 657	8 657
up to 180 days	166 514	166 514
up to 1 year	2 751 623	2 751 623
up to 3 years	502 762	502 762
more than 3 years	108 988	108 988
Past-due	5 070	5 070
residents	5 070	5 070
Provision for impairment of corporate loans	-7 583	-7 583
residents	-7 583	-7 583
Loans to private entrepreneurs	136 806	136 806
up to 30 days	3 874	3 874
up to 180 days	3 540	3 540
up to 1 year	33 194	33 194
up to 3 years	66 870	66 870
more than 3 years	29 364	29 364
Past-due	1 684	1 684
Provision for impairment of loans to private entrepreneurs	-1 720	-1 720
Loans to individuals	391 623	391 623
Standard	397 426	397 426
up to 30 days	9 663	9 663
up to 180 days	69	69
up to 1 year	703	703
up to 3 years	107 881	107 881
more than 3 years	279 110	279 110
Past-due	64 222	64 222
Past-due	64 222	64 222
Provision for impairment of loans to individuals	-70 025	-70 025
Other assets	763 643	763 643
Mandatory reserves with Central Bank	35 099	35 099
Premises and equipment	645 917	645 917
Purchase cost	795 850	795 850
Depreciation	-149 933	-149 933
Accrued interest not yet received	33 501	33 501
Other assets	64 500	64 500
Provision for impairment of other assets	-15 374	-15 374
LIABILITIES	5 268 146	5 268 146
On demand	569 853	569 853
Corporate clients	260 700	260 700
Residents	260 700	260 700
Individuals	309 153	309 153
Residents	306 614	306 614
Non-residents	2 539	2 539
Term	4 554 567	4 554 567
Corporate clients	327 937	327 937
Residents	327 937	327 937
more than 3 years	327 937	327 937
Individuals	4 226 630	4 226 630
residents	4 224 644	4 224 644
up to 180 days	186 314	186 314
up to 1 year	647 103	647 103
up to 3 years	3 382 231	3 382 231
more than 3 years	8 996	8 996
non-residents	1 986	1 986
up to 180 days	185	185
up to 1 year	61	61
up to 3 years	1 740	1 740
Securities issued	33 357	33 357
Promissory notes	33 357	33 357
on demand	33 357	33 357
Other liabilities	110 369	110 369
Other liabilities	58 330	58 330
Accrued interest not yet paid	25 492	25 492
Deferred tax liabilities	26 547	26 547
EQUITY	811 136	811 136
Capital	567 585	567 585
Profit from previous years	230 196	230 196
Retained earnings from previous years	230 196	230 196
Current year profit	13 355	13 355
Current year retained earnings	13 355	13 355
OFF-BALANCE SHEET	4 072 059	4 072 059
Contingent liabilities	-266 444	-266 444
Guarantees issued	-1 241	-1 241
Unused credit limits opened	-265 203	-265 203
Collateral on loans	3 669 386	3 669 386
goods	3 168 595	3 168 595
securities	500 791	500 791
Unprocessed payments	681 910	681 910
Due to lack of funds on client accounts	681 910	681 910
Other off-balance sheet accounts	-12 793	-12 793
Written-off interest	-705	-705
Written-off loans	-12 088	-12 088
Credit card balances	9 663	9 663
Risk-weighted assets	6 040 233	6 040 233
Reserve rates:
Loans to banks:	-0,02%	-100,0%
Customer loans, total:	-1,85%	-100,0%
including corporate loans:	-0,25%	-100,0%
including individual loans:	-15,17%	-100,0%
Past-due rate:	-1,71%	-100,0%
corporate clients:	-0,18%	-100,0%
individuals:	-13,91%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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