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

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	EKSPRESS	add to comparison
Central Bank of Russia registration number: 3084

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	14 242 459	14 242 459
High liquid assets	2 857 985	2 857 985
Cash and equivalents	2 481 127	2 481 127
Cash	2 396 241	2 396 241
in cash and en route	2 030 900	2 030 900
in ATMs	365 341	365 341
Nostro account with Central Bank	84 886	84 886
Nostro accounts	351 743	351 743
Residents	351 743	351 743
Money in transfer	18 406	18 406
Exchange accounts	8 417	8 417
Provision for impairment of high-liquid assets	-1 708	-1 708
Interest-earning assets	10 794 662	10 794 662
Dues from banks	4 617	4 617
Residents	4 617	4 617
up to 30 days	4 617	4 617
Securities	2 002 053	2 002 053
Bonds	1 977 505	1 977 505
Corporate bonds	724 063	724 063
Financial institutions bonds	1 257 543	1 257 543
Valuation allowance	-4 101	-4 101
Stocks	24 548	24 548
Residents	18 079	18 079
Valuation allowance	6 643	6 643
Provision for impairment of stocks	-174	-174
Loans to corporate clients	4 496 122	4 496 122
residents	5 986 933	5 986 933
up to 1 year	93 044	93 044
up to 3 years	1 558 317	1 558 317
more than 3 years	4 335 572	4 335 572
Past-due	2 457	2 457
residents	2 457	2 457
Provision for impairment of corporate loans	-1 493 268	-1 493 268
residents	-1 493 268	-1 493 268
Loans to private entrepreneurs	541 509	541 509
up to 1 year	40 828	40 828
up to 3 years	210 042	210 042
more than 3 years	374 226	374 226
Past-due	931	931
Provision for impairment of loans to private entrepreneurs	-84 518	-84 518
Loans to individuals	3 750 361	3 750 361
Standard	3 759 034	3 759 034
up to 30 days	167 842	167 842
up to 1 year	24 114	24 114
up to 3 years	3 363 806	3 363 806
more than 3 years	203 272	203 272
Past-due	12 590	12 590
Past-due	12 590	12 590
Provision for impairment of loans to individuals	-21 263	-21 263
Other assets	589 812	589 812
Mandatory reserves with Central Bank	175 173	175 173
Premises and equipment	268 607	268 607
Purchase cost	302 661	302 661
Depreciation	-34 054	-34 054
Accrued interest not yet received	3 756	3 756
Other assets	146 468	146 468
Provision for impairment of other assets	-4 192	-4 192
LIABILITIES	14 430 782	14 430 782
Dues to banks	274 425	274 425
On demand	2	2
Residents	2	2
Term	274 423	274 423
Residents	274 423	274 423
more than 180 days	274 423	274 423
On demand	9 886 235	9 886 235
Corporate clients	1 011 390	1 011 390
State-owned enterprises	27 342	27 342
Residents	984 048	984 048
Individuals	8 835 295	8 835 295
Residents	8 825 371	8 825 371
Non-residents	9 924	9 924
Brokerage accounts	39 550	39 550
Residents	39 550	39 550
Term	4 175 098	4 175 098
Individuals	4 175 098	4 175 098
residents	4 169 356	4 169 356
up to 180 days	1 260 292	1 260 292
up to 1 year	306 940	306 940
up to 3 years	1 219 668	1 219 668
more than 3 years	1 382 456	1 382 456
non-residents	5 742	5 742
up to 180 days	1 392	1 392
up to 1 year	1 208	1 208
up to 3 years	3 022	3 022
more than 3 years	120	120
Other liabilities	95 024	95 024
Other liabilities	83 195	83 195
Accrued interest not yet paid	11 812	11 812
Liabilities past-due	17	17
EQUITY	-188 323	-188 323
Capital	671 806	671 806
Profit from previous years	270 185	270 185
Retained earnings from previous years	270 185	270 185
Current year profit	-1 129 665	-1 129 665
Current year retained earnings	-1 129 665	-1 129 665
Future expenses	-649	-649
OFF-BALANCE SHEET	1 544 691	1 544 691
Contingent liabilities	-17 469	-17 469
Guarantees issued	-13 675	-13 675
Unused credit limits opened	-3 794	-3 794
Collateral on loans	1 587 246	1 587 246
goods	1 587 246	1 587 246
Other off-balance sheet accounts	-25 086	-25 086
Accrued interest not yet received	666	666
Written-off interest	-1 103	-1 103
Written-off loans	-24 649	-24 649
Credit card balances	167 842	167 842
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-14,63%	-100,0%
including corporate loans:	-23,85%	-100,0%
including individual loans:	-0,56%	-100,0%
Past-due rate:	-0,15%	-100,0%
corporate clients:	-0,05%	-100,0%
individuals:	-0,33%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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