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

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	RINVESTBANK	add to comparison
Central Bank of Russia registration number: 3262

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	5 560 326	5 560 326
High liquid assets	24 227	24 227
Cash and equivalents	13 049	13 049
Cash	11 233	11 233
in cash and en route	8 976	8 976
in ATMs	2 257	2 257
Nostro account with Central Bank	1 816	1 816
Nostro accounts	5 299	5 299
Residents	5 299	5 299
Money in transfer	6 096	6 096
Provision for impairment of high-liquid assets	-217	-217
Interest-earning assets	4 689 770	4 689 770
Loans to corporate clients	3 770 152	3 770 152
residents	4 238 787	4 238 787
up to 1 year	2 924 418	2 924 418
up to 3 years	1 202 207	1 202 207
more than 3 years	112 162	112 162
Past-due	305 263	305 263
residents	305 263	305 263
Provision for impairment of corporate loans	-773 898	-773 898
residents	-773 898	-773 898
Loans to private entrepreneurs	17 221	17 221
up to 3 years	2 057	2 057
more than 3 years	6 670	6 670
Past-due	19 912	19 912
Provision for impairment of loans to private entrepreneurs	-11 418	-11 418
Loans to individuals	902 397	902 397
Standard	909 075	909 075
up to 30 days	87	87
up to 1 year	910	910
up to 3 years	843 757	843 757
more than 3 years	64 321	64 321
Memo: mortgage loans	3 148	3 148
Past-due	28 154	28 154
Past-due	28 154	28 154
Memo: mortgage loans past-due	68	68
Provision for impairment of loans to individuals	-34 832	-34 832
Other assets	846 329	846 329
Mandatory reserves with Central Bank	159 386	159 386
Premises and equipment	120 003	120 003
Purchase cost	168 381	168 381
Depreciation	-48 378	-48 378
Accrued interest not yet received	200	200
Other assets	901 598	901 598
Provision for impairment of other assets	-334 858	-334 858
LIABILITIES	5 586 539	5 586 539
Dues to banks	67 405	67 405
On demand	2 405	2 405
Residents	2 405	2 405
Term	65 000	65 000
Residents	65 000	65 000
up to 30 days	65 000	65 000
On demand	146 897	146 897
Corporate clients	94 083	94 083
State-owned enterprises	952	952
Residents	93 131	93 131
Individuals	52 814	52 814
Residents	52 204	52 204
Non-residents	610	610
Term	5 190 356	5 190 356
Corporate clients	339 664	339 664
Residents	339 664	339 664
up to 180 days	1 400	1 400
up to 1 year	5 400	5 400
up to 3 years	73 037	73 037
more than 3 years	259 827	259 827
Individuals	4 850 692	4 850 692
residents	4 841 610	4 841 610
up to 180 days	45 871	45 871
up to 1 year	710 098	710 098
up to 3 years	4 025 979	4 025 979
more than 3 years	59 662	59 662
non-residents	9 082	9 082
up to 1 year	1 990	1 990
up to 3 years	5 435	5 435
more than 3 years	1 657	1 657
Securities issued	11 199	11 199
Promissory notes	11 199	11 199
up to 180 days	3 477	3 477
up to 1 year	7 884	7 884
Discount accrued	-162	-162
Other liabilities	170 682	170 682
Other liabilities	50 605	50 605
Accrued interest not yet paid	119 625	119 625
Liabilities past-due	452	452
EQUITY	-26 213	-26 213
Capital	645 544	645 544
Current year profit	-670 466	-670 466
Current year retained earnings	-670 466	-670 466
Future expenses	-1 291	-1 291
OFF-BALANCE SHEET	2 311 080	2 311 080
Contingent liabilities	-15 270	-15 270
Unused credit limits opened	-15 270	-15 270
Collateral on loans	2 028 033	2 028 033
goods	2 028 033	2 028 033
Unprocessed payments	343 325	343 325
Due to lack of funds on client accounts	343 325	343 325
Other off-balance sheet accounts	-45 008	-45 008
Accrued interest not yet received	12 843	12 843
Written-off interest	-10 065	-10 065
Written-off loans	-47 786	-47 786
Credit card balances	87	87
Risk-weighted assets	6 708 841	6 708 841
Reserve rates:
Customer loans, total:	-14,84%	-100,0%
including corporate loans:	-17,17%	-100,0%
including individual loans:	-3,72%	-100,0%
Past-due rate:	-6,41%	-100,0%
corporate clients:	-7,11%	-100,0%
individuals:	-3,00%	-100,0%
o/w mortgages:	-2,16%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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