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

	KREDIT EVROPA BANK	add to comparison
Central Bank of Russia registration number: 3311 foreign-controlled, retail lending, 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	129 443 996	129 443 996
High liquid assets	12 252 390	12 252 390
Cash and equivalents	10 845 428	10 845 428
Cash	2 593 423	2 593 423
in cash and en route	781 834	781 834
in ATMs	1 811 589	1 811 589
Nostro account with Central Bank	8 252 005	8 252 005
Nostro accounts	228 343	228 343
Non-residents	166 692	166 692
Residents	61 651	61 651
Money in transfer	1 179 886	1 179 886
Provision for impairment of high-liquid assets	-1 267	-1 267
Interest-earning assets	103 073 131	103 073 131
Dues from banks	1 531 186	1 531 186
Residents	1 531 830	1 531 830
up to 30 days	121 830	121 830
up to 180 days	560 000	560 000
more than 180 days	850 000	850 000
Non-residents	7 905	7 905
up to 30 days	7 905	7 905
Provision for impairment of loans to banks	-8 549	-8 549
Loans to corporate clients	23 812 588	23 812 588
residents	21 644 769	21 644 769
up to 30 days	157 404	157 404
up to 180 days	2 531 925	2 531 925
up to 1 year	5 168 607	5 168 607
up to 3 years	1 823 378	1 823 378
more than 3 years	11 963 455	11 963 455
non-residents	2 824 729	2 824 729
up to 180 days	92 000	92 000
up to 1 year	64 800	64 800
more than 3 years	2 667 929	2 667 929
Past-due	2 513 032	2 513 032
residents	2 411 271	2 411 271
non-residents	101 761	101 761
Provision for impairment of corporate loans	-3 169 942	-3 169 942
residents	-2 708 469	-2 708 469
non-residents	-461 473	-461 473
Loans to private entrepreneurs	151 473	151 473
up to 180 days	32 000	32 000
up to 1 year	3 200	3 200
up to 3 years	38 109	38 109
more than 3 years	87 446	87 446
Provision for impairment of loans to private entrepreneurs	-9 282	-9 282
Loans to individuals	77 577 884	77 577 884
Standard	79 854 237	79 854 237
up to 30 days	8 121 113	8 121 113
up to 180 days	2 720	2 720
up to 1 year	1 678 069	1 678 069
up to 3 years	4 955 793	4 955 793
more than 3 years	65 096 542	65 096 542
Past-due	2 816 371	2 816 371
Past-due	2 816 371	2 816 371
Provision for impairment of loans to individuals	-5 092 724	-5 092 724
Other assets	14 118 475	14 118 475
Mandatory reserves with Central Bank	876 322	876 322
Premises and equipment	1 792 940	1 792 940
Purchase cost	5 269 846	5 269 846
Depreciation	-3 476 906	-3 476 906
Accrued interest not yet received	2 896 305	2 896 305
Other assets	9 369 664	9 369 664
Provision for impairment of other assets	-953 192	-953 192
Derivatives - assets	136 436	136 436
LIABILITIES	107 597 996	107 597 996
Dues to banks	600 010	600 010
On demand	537 181	537 181
Residents	200 816	200 816
Non-residents	336 365	336 365
Term	60 215	60 215
Residents	60 215	60 215
up to 30 days	60 215	60 215
Other dues to banks	2 614	2 614
On demand	20 574 285	20 574 285
Corporate clients	10 258 960	10 258 960
Residents	7 637 703	7 637 703
Non-residents	2 621 257	2 621 257
Individuals	10 315 313	10 315 313
Residents	9 085 547	9 085 547
Non-residents	1 229 766	1 229 766
Brokerage accounts	12	12
Residents	8	8
Non-residents	4	4
Term	77 917 485	77 917 485
Corporate clients	9 748 933	9 748 933
Residents	8 466 433	8 466 433
up to 30 days	1 325 001	1 325 001
up to 180 days	1 901 160	1 901 160
up to 1 year	2 883 000	2 883 000
up to 3 years	2 357 272	2 357 272
Non-residents	1 282 500	1 282 500
up to 30 days	25 000	25 000
up to 180 days	1 257 500	1 257 500
Individuals	68 168 552	68 168 552
residents	67 268 738	67 268 738
up to 180 days	781 441	781 441
up to 1 year	306 301	306 301
up to 3 years	30 093 873	30 093 873
more than 3 years	36 087 123	36 087 123
non-residents	899 814	899 814
up to 180 days	93 542	93 542
up to 1 year	39 724	39 724
up to 3 years	632 798	632 798
more than 3 years	133 750	133 750
Securities issued	5 065 467	5 065 467
Bonds	5 000 000	5 000 000
Promissory notes	65 467	65 467
on demand	467	467
up to 1 year	65 000	65 000
Other liabilities	3 440 749	3 440 749
Other liabilities	2 719 475	2 719 475
Accrued interest not yet paid	568 193	568 193
Derivatives - liabilities	123 907	123 907
Deferred tax liabilities	29 174	29 174
EQUITY	21 846 000	21 846 000
Capital	8 906 703	8 906 703
Profit from previous years	12 660 194	12 660 194
Retained earnings from previous years	12 660 194	12 660 194
Current year profit	279 103	279 103
Current year retained earnings	279 103	279 103
OFF-BALANCE SHEET	94 045 581	94 045 581
Contingent liabilities	-29 687 436	-29 687 436
Guarantees issued	-8 459 082	-8 459 082
Unused credit limits opened	-20 739 156	-20 739 156
Unused guarantee limits	-489 198	-489 198
Collateral on loans	123 941 550	123 941 550
goods	119 850 017	119 850 017
securities	4 091 533	4 091 533
Unprocessed payments	2 742 519	2 742 519
Due to lack of funds on client accounts	2 742 519	2 742 519
Other off-balance sheet accounts	-2 951 052	-2 951 052
Written-off interest	-1 000 513	-1 000 513
Written-off loans	-1 950 539	-1 950 539
Credit card balances	8 121 113	8 121 113
Risk-weighted assets	162 683 075	162 683 075
Reserve rates:
Loans to banks:	-0,56%	-100,0%
Customer loans, total:	-7,52%	-100,0%
including corporate loans:	-11,71%	-100,0%
including individual loans:	-6,16%	-100,0%
Past-due rate:	-4,85%	-100,0%
corporate clients:	-9,26%	-100,0%
individuals:	-3,41%	-100,0%