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

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	MESTNIY KREDIT	add to comparison
Central Bank of Russia registration number: 3370

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	1 022 625	1 022 625
High liquid assets	354 681	354 681
Cash and equivalents	339 113	339 113
Cash	98 637	98 637
in cash and en route	98 637	98 637
Nostro account with Central Bank	240 476	240 476
Nostro accounts	8 268	8 268
Non-residents	192	192
Residents	8 076	8 076
Money in transfer	7 300	7 300
Interest-earning assets	646 217	646 217
Dues from banks	20 000	20 000
Residents	20 000	20 000
up to 30 days	20 000	20 000
Securities	142 572	142 572
Bonds	46 050	46 050
Federal Loan Bonds (OFZs), OBRs	52 901	52 901
Valuation allowance	-6 851	-6 851
Promissory notes	96 522	96 522
Banks	96 522	96 522
Loans to corporate clients	476 007	476 007
residents	558 534	558 534
up to 1 year	413 534	413 534
up to 3 years	145 000	145 000
Provision for impairment of corporate loans	-82 527	-82 527
residents	-82 527	-82 527
Loans to individuals	7 638	7 638
Standard	9 304	9 304
up to 1 year	683	683
up to 3 years	2 443	2 443
more than 3 years	6 178	6 178
Past-due	4 012	4 012
Past-due	4 012	4 012
Provision for impairment of loans to individuals	-5 678	-5 678
Other assets	21 727	21 727
Mandatory reserves with Central Bank	19 918	19 918
Premises and equipment	1 954	1 954
Purchase cost	8 339	8 339
Depreciation	-6 385	-6 385
Accrued interest not yet received	15	15
Other assets	4 263	4 263
Provision for impairment of other assets	-4 423	-4 423
LIABILITIES	795 907	795 907
Dues to banks	157 000	157 000
Term	157 000	157 000
Residents	157 000	157 000
up to 30 days	157 000	157 000
On demand	554 855	554 855
Corporate clients	554 154	554 154
Residents	553 874	553 874
Non-residents	280	280
Individuals	701	701
Residents	138	138
Non-residents	563	563
Term	61 371	61 371
Corporate clients	61 371	61 371
Residents	61 371	61 371
up to 180 days	22 000	22 000
up to 1 year	11 512	11 512
up to 3 years	2 830	2 830
more than 3 years	25 029	25 029
Securities issued	17 695	17 695
Promissory notes	17 695	17 695
up to 1 year	16 900	16 900
up to 3 years	795	795
Other liabilities	4 986	4 986
Other liabilities	4 186	4 186
Accrued interest not yet paid	800	800
EQUITY	226 718	226 718
Capital	217 894	217 894
Profit from previous years	11 832	11 832
Retained earnings from previous years	11 832	11 832
Current year profit	1 383	1 383
Current year retained earnings	1 383	1 383
Future expenses	-4 391	-4 391
OFF-BALANCE SHEET	617 330	617 330
Contingent liabilities	-13 635	-13 635
Guarantees issued	-13 169	-13 169
Unused credit limits opened	-466	-466
Collateral on loans	647 439	647 439
goods	646 644	646 644
securities	795	795
Other off-balance sheet accounts	-16 474	-16 474
Accrued interest not yet received	390	390
Written-off interest	-556	-556
Written-off loans	-16 308	-16 308
Risk-weighted assets	1 008 799	1 008 799
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-15,42%	-100,0%
including corporate loans:	-14,78%	-100,0%
including individual loans:	-42,64%	-100,0%
Past-due rate:	-0,70%	-100,0%
corporate clients:	0,00%	-
individuals:	-30,13%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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