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

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	BANK ZENIT	add to comparison
Central Bank of Russia registration number: 3255 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	253 054 321	253 054 321
High liquid assets	15 274 114	15 274 114
Cash and equivalents	11 240 659	11 240 659
Cash	5 125 228	5 125 228
in cash and en route	4 190 923	4 190 923
in ATMs	934 305	934 305
Nostro account with Central Bank	6 115 431	6 115 431
Nostro accounts	3 332 144	3 332 144
Non-residents	2 459 467	2 459 467
Residents	872 677	872 677
Money in transfer	720 597	720 597
Provision for impairment of high-liquid assets	-19 286	-19 286
Interest-earning assets	207 870 437	207 870 437
Dues from banks	14 249 102	14 249 102
Residents	11 927 024	11 927 024
up to 30 days	8 814 328	8 814 328
more than 180 days	3 112 696	3 112 696
Non-residents	2 347 908	2 347 908
up to 30 days	26	26
up to 180 days	1 723 128	1 723 128
more than 180 days	624 754	624 754
Loans past-due	80	80
non-residents	25	25
residents	55	55
Provision for impairment of loans to banks	-25 910	-25 910
Securities	64 765 234	64 765 234
Bonds	62 927 360	62 927 360
Federal Loan Bonds (OFZs), OBRs	18 540 895	18 540 895
Corporate bonds	22 017 468	22 017 468
Financial institutions bonds	6 262 269	6 262 269
Foreign sovereign bonds	778 721	778 721
Corporate foreign bonds	10 499 902	10 499 902
Valuation allowance	-3 017 074	-3 017 074
Pledged under REPO	7 911 738	7 911 738
Past-due	795 932	795 932
Provision for impairment of bonds	-862 491	-862 491
Stocks	1 837 874	1 837 874
Residents	780 562	780 562
Non-residents	144 505	144 505
Valuation allowance	912 807	912 807
Loans to corporate clients	77 167 149	77 167 149
residents	63 198 313	63 198 313
up to 30 days	390 823	390 823
up to 180 days	5 020 586	5 020 586
up to 1 year	18 753 870	18 753 870
up to 3 years	9 798 893	9 798 893
more than 3 years	29 234 141	29 234 141
non-residents	13 228 958	13 228 958
up to 3 years	7 781 740	7 781 740
more than 3 years	5 447 218	5 447 218
state-owned enterprises	126 252	126 252
up to 180 days	10 000	10 000
up to 1 year	28 600	28 600
up to 3 years	10 233	10 233
more than 3 years	77 419	77 419
Past-due	9 642 328	9 642 328
residents	9 640 156	9 640 156
non-residents	2 086	2 086
state-owned enterprises	86	86
Provision for impairment of corporate loans	-9 028 702	-9 028 702
residents	-8 879 691	-8 879 691
non-residents	-147 635	-147 635
state-owned enterprises	-1 376	-1 376
Loans to private entrepreneurs	1 589 907	1 589 907
up to 30 days	16 794	16 794
up to 180 days	121 500	121 500
up to 3 years	93 762	93 762
more than 3 years	1 348 052	1 348 052
Past-due	209 707	209 707
Provision for impairment of loans to private entrepreneurs	-199 908	-199 908
Loans to individuals	50 099 045	50 099 045
Standard	50 781 719	50 781 719
up to 30 days	201 635	201 635
up to 180 days	320	320
up to 3 years	856 991	856 991
more than 3 years	49 722 773	49 722 773
Past-due	4 226 744	4 226 744
Past-due	4 226 744	4 226 744
Provision for impairment of loans to individuals	-4 909 418	-4 909 418
Other assets	29 909 770	29 909 770
Mandatory reserves with Central Bank	1 461 217	1 461 217
Premises and equipment	4 803 891	4 803 891
Purchase cost	9 013 273	9 013 273
Depreciation	-4 209 382	-4 209 382
Accrued interest not yet received	1 752 657	1 752 657
Assets under management	1 099	1 099
Other assets	23 365 735	23 365 735
Provision for impairment of other assets	-2 505 334	-2 505 334
Derivatives - assets	64 350	64 350
Deferred tax asset	966 155	966 155
LIABILITIES	228 244 779	228 244 779
Dues to banks	32 433 103	32 433 103
On demand	1 773 283	1 773 283
Residents	1 751 620	1 751 620
Non-residents	21 663	21 663
Term	30 162 936	30 162 936
Central Bank of Russia	4 510 893	4 510 893
up to 180 days	1 000	1 000
more than 180 days	4 509 893	4 509 893
Residents	25 652 043	25 652 043
up to 30 days	17 178 117	17 178 117
up to 180 days	8 473 926	8 473 926
Other dues to banks	496 884	496 884
On demand	66 198 679	66 198 679
Corporate clients	40 711 273	40 711 273
State-owned enterprises	168 420	168 420
Residents	33 577 123	33 577 123
Non-residents	6 965 730	6 965 730
Individuals	23 938 555	23 938 555
Residents	23 658 503	23 658 503
Non-residents	280 052	280 052
Brokerage accounts	1 548 851	1 548 851
Residents	1 548 031	1 548 031
Non-residents	820	820
Term	117 072 521	117 072 521
Corporate clients	44 585 211	44 585 211
Residents	44 103 211	44 103 211
up to 30 days	9 784 211	9 784 211
up to 180 days	15 580 854	15 580 854
up to 1 year	14 074 145	14 074 145
up to 3 years	1 108 012	1 108 012
more than 3 years	3 555 989	3 555 989
Non-residents	460 000	460 000
up to 180 days	460 000	460 000
State-owned enterprises	22 000	22 000
up to 1 year	22 000	22 000
Individuals	72 487 310	72 487 310
residents	72 416 978	72 416 978
up to 30 days	16	16
up to 180 days	2 266 736	2 266 736
up to 1 year	10 024 581	10 024 581
up to 3 years	57 612 897	57 612 897
more than 3 years	2 512 748	2 512 748
non-residents	70 332	70 332
up to 180 days	3 717	3 717
up to 1 year	5 173	5 173
up to 3 years	56 430	56 430
more than 3 years	5 012	5 012
Securities issued	5 969 840	5 969 840
Bonds	5 327 180	5 327 180
Promissory notes	642 659	642 659
on demand	228 867	228 867
up to 180 days	275 016	275 016
up to 1 year	10 000	10 000
up to 3 years	98 844	98 844
more than 3 years	29 932	29 932
Depositary certificates	1	1
up to 30 days	1	1
Other liabilities	6 570 636	6 570 636
Other liabilities	3 635 119	3 635 119
Accrued interest not yet paid	2 410 189	2 410 189
Derivatives - liabilities	525 328	525 328
EQUITY	24 809 542	24 809 542
Capital	34 812 698	34 812 698
Profit from previous years	-9 832 693	-9 832 693
Retained earnings from previous years	-9 832 693	-9 832 693
Current year profit	-170 463	-170 463
Current year retained earnings	-170 463	-170 463
OFF-BALANCE SHEET	149 512 380	149 512 380
Contingent liabilities	-58 526 593	-58 526 593
Guarantees issued	-14 550 330	-14 550 330
Unused credit limits opened	-29 305 338	-29 305 338
Unused guarantee limits	-14 670 925	-14 670 925
Collateral on loans	182 560 491	182 560 491
goods	178 292 717	178 292 717
securities	4 267 774	4 267 774
Unprocessed payments	27 775 197	27 775 197
Due to lack of funds on client accounts	27 775 197	27 775 197
Other off-balance sheet accounts	-2 296 715	-2 296 715
Written-off interest	-437 731	-437 731
Written-off loans to banks	-28	-28
Written-off loans	-1 858 956	-1 858 956
Credit card balances	201 635	201 635
Risk-weighted assets	220 700 049	220 700 049
Reserve rates:
Loans to banks:	-0,18%	-100,0%
Customer loans, total:	-9,78%	-100,0%
including corporate loans:	-10,49%	-100,0%
including individual loans:	-8,92%	-100,0%
Past-due rate:	-9,85%	-100,0%
corporate clients:	-11,20%	-100,0%
individuals:	-7,68%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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