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

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	CERIH	add to comparison
Central Bank of Russia registration number: 3278

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	2 831 311	2 831 311
High liquid assets	699 965	699 965
Cash and equivalents	179 884	179 884
Cash	144 530	144 530
in cash and en route	134 126	134 126
in ATMs	10 404	10 404
Nostro account with Central Bank	35 354	35 354
Nostro accounts	508 639	508 639
Non-residents	60 017	60 017
Residents	448 622	448 622
Money in transfer	13 518	13 518
Exchange accounts	73	73
Provision for impairment of high-liquid assets	-2 149	-2 149
Interest-earning assets	1 597 155	1 597 155
Dues from banks	260 214	260 214
Residents	260 214	260 214
up to 30 days	5 214	5 214
up to 180 days	255 000	255 000
Loans to corporate clients	1 040 420	1 040 420
residents	1 056 849	1 056 849
up to 30 days	9 212	9 212
up to 180 days	325 016	325 016
up to 1 year	591 232	591 232
up to 3 years	128 289	128 289
more than 3 years	3 100	3 100
non-residents	70 000	70 000
up to 3 years	70 000	70 000
Past-due	34 831	34 831
residents	34 831	34 831
Provision for impairment of corporate loans	-121 260	-121 260
residents	-101 250	-101 250
non-residents	-20 010	-20 010
Loans to private entrepreneurs	2 536	2 536
Past-due	9 181	9 181
Provision for impairment of loans to private entrepreneurs	-6 645	-6 645
Loans to individuals	293 985	293 985
Standard	324 191	324 191
up to 180 days	10 263	10 263
up to 1 year	38 879	38 879
up to 3 years	236 534	236 534
more than 3 years	38 515	38 515
Past-due	18 148	18 148
Past-due	18 148	18 148
Provision for impairment of loans to individuals	-48 354	-48 354
Other assets	534 191	534 191
Mandatory reserves with Central Bank	76 855	76 855
Premises and equipment	7 844	7 844
Purchase cost	13 625	13 625
Depreciation	-5 781	-5 781
Accrued interest not yet received	13 186	13 186
Other assets	587 379	587 379
Provision for impairment of other assets	-151 073	-151 073
LIABILITIES	2 488 392	2 488 392
On demand	356 476	356 476
Corporate clients	230 627	230 627
Residents	230 333	230 333
Non-residents	294	294
Individuals	125 849	125 849
Residents	124 775	124 775
Non-residents	1 074	1 074
Term	2 096 481	2 096 481
Corporate clients	73 119	73 119
Residents	72 119	72 119
up to 1 year	800	800
up to 3 years	12 188	12 188
more than 3 years	59 131	59 131
Non-residents	1 000	1 000
up to 3 years	1 000	1 000
Individuals	2 023 362	2 023 362
residents	2 022 124	2 022 124
up to 1 year	14 892	14 892
up to 3 years	1 986 877	1 986 877
more than 3 years	20 355	20 355
non-residents	1 238	1 238
up to 1 year	464	464
up to 3 years	774	774
Securities issued	10 000	10 000
Promissory notes	10 000	10 000
up to 180 days	10 000	10 000
Other liabilities	25 435	25 435
Other liabilities	1 214	1 214
Accrued interest not yet paid	24 221	24 221
EQUITY	342 919	342 919
Capital	412 596	412 596
Profit from previous years	-47 670	-47 670
Retained earnings from previous years	-47 670	-47 670
Current year profit	-21 688	-21 688
Current year retained earnings	-21 688	-21 688
Future expenses	-319	-319
OFF-BALANCE SHEET	1 802 417	1 802 417
Contingent liabilities	-12 593	-12 593
Guarantees issued	-4 872	-4 872
Unused credit limits opened	-7 721	-7 721
Collateral on loans	1 657 077	1 657 077
goods	1 536 530	1 536 530
securities	101 347	101 347
precious metals	19 200	19 200
Unprocessed payments	191 912	191 912
Due to lack of funds on client accounts	191 912	191 912
Other off-balance sheet accounts	-33 979	-33 979
Accrued interest not yet received	9 145	9 145
Written-off interest	-12 314	-12 314
Written-off loans	-30 810	-30 810
Risk-weighted assets	2 777 616	2 777 616
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-11,63%	-100,0%
including corporate loans:	-10,92%	-100,0%
including individual loans:	-14,12%	-100,0%
Past-due rate:	-4,11%	-100,0%
corporate clients:	-3,76%	-100,0%
individuals:	-5,30%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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