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

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	FINSERVIS	add to comparison
Central Bank of Russia registration number: 3388 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	109 378 222	109 378 222
High liquid assets	7 240 618	7 240 618
Cash and equivalents	6 490 671	6 490 671
Cash	1 643 003	1 643 003
in cash and en route	1 266 917	1 266 917
in ATMs	376 086	376 086
Nostro account with Central Bank	4 847 668	4 847 668
Nostro accounts	464 155	464 155
Non-residents	1 235	1 235
Residents	462 920	462 920
Money in transfer	287 216	287 216
Provision for impairment of high-liquid assets	-1 424	-1 424
Interest-earning assets	100 101 608	100 101 608
Dues from banks	43 609 418	43 609 418
Residents	43 401 197	43 401 197
up to 30 days	36 550 434	36 550 434
up to 180 days	6 850 763	6 850 763
Non-residents	208 807	208 807
more than 180 days	208 807	208 807
Provision for impairment of loans to banks	-586	-586
Securities	16 839 968	16 839 968
Bonds	16 839 968	16 839 968
Federal Loan Bonds (OFZs), OBRs	79 338	79 338
Corporate bonds	1 118 671	1 118 671
Financial institutions bonds	705 468	705 468
Corporate foreign bonds	15 423 490	15 423 490
Valuation allowance	-485 842	-485 842
Past-due	78 825	78 825
Provision for impairment of bonds	-79 982	-79 982
Loans to corporate clients	35 381 051	35 381 051
residents	33 522 288	33 522 288
up to 30 days	7	7
up to 180 days	2 139 519	2 139 519
up to 1 year	14 207 299	14 207 299
up to 3 years	3 535 942	3 535 942
more than 3 years	13 639 521	13 639 521
state-owned enterprises	2 701 480	2 701 480
up to 30 days	679	679
up to 1 year	2 304 593	2 304 593
up to 3 years	396 208	396 208
Past-due	662 769	662 769
residents	661 001	661 001
non-residents	17	17
state-owned enterprises	1 751	1 751
Provision for impairment of corporate loans	-1 505 486	-1 505 486
residents	-1 379 557	-1 379 557
non-residents	-11	-11
state-owned enterprises	-125 918	-125 918
Loans to private entrepreneurs	251 527	251 527
up to 1 year	29 074	29 074
up to 3 years	94	94
more than 3 years	247 659	247 659
Past-due	170	170
Provision for impairment of loans to private entrepreneurs	-25 470	-25 470
Loans to individuals	4 019 644	4 019 644
Standard	3 675 512	3 675 512
up to 30 days	23 890	23 890
up to 1 year	145 613	145 613
up to 3 years	273 661	273 661
more than 3 years	3 232 348	3 232 348
Past-due	1 159 875	1 159 875
Past-due	1 159 875	1 159 875
Provision for impairment of loans to individuals	-815 743	-815 743
Other assets	2 035 996	2 035 996
Mandatory reserves with Central Bank	682 071	682 071
Premises and equipment	518 586	518 586
Purchase cost	1 062 553	1 062 553
Depreciation	-543 967	-543 967
Accrued interest not yet received	153 359	153 359
Other assets	947 526	947 526
Provision for impairment of other assets	-775 015	-775 015
Deferred tax asset	509 469	509 469
LIABILITIES	100 115 797	100 115 797
Dues to banks	17 466 543	17 466 543
Term	17 465 142	17 465 142
Residents	17 465 142	17 465 142
up to 30 days	17 465 142	17 465 142
Other dues to banks	1 401	1 401
On demand	47 315 526	47 315 526
Corporate clients	29 184 114	29 184 114
State-owned enterprises	6 524	6 524
Residents	29 176 890	29 176 890
Non-residents	700	700
Individuals	2 262 796	2 262 796
Residents	2 244 309	2 244 309
Non-residents	18 487	18 487
Brokerage accounts	15 868 616	15 868 616
Residents	15 868 615	15 868 615
Non-residents	1	1
Term	21 033 749	21 033 749
Corporate clients	19 266 504	19 266 504
Residents	19 266 504	19 266 504
up to 30 days	5 793 221	5 793 221
up to 180 days	2 354 317	2 354 317
up to 1 year	600	600
up to 3 years	5 418 016	5 418 016
more than 3 years	5 700 350	5 700 350
Individuals	1 767 245	1 767 245
residents	1 767 242	1 767 242
up to 180 days	182 962	182 962
up to 1 year	120 246	120 246
up to 3 years	1 396 700	1 396 700
more than 3 years	67 334	67 334
non-residents	3	3
up to 1 year	3	3
Securities issued	14 940 117	14 940 117
Promissory notes	14 940 117	14 940 117
on demand	1 427 700	1 427 700
up to 180 days	49 577	49 577
up to 1 year	309 849	309 849
up to 3 years	7 756 734	7 756 734
more than 3 years	5 396 257	5 396 257
Other liabilities	-640 138	-640 138
Other liabilities	-1 115 133	-1 115 133
Accrued interest not yet paid	107 674	107 674
Derivatives - liabilities	677	677
Deferred tax liabilities	366 644	366 644
EQUITY	9 262 424	9 262 424
Capital	6 306 690	6 306 690
Profit from previous years	3 072 957	3 072 957
Retained earnings from previous years	3 072 957	3 072 957
Current year profit	-117 223	-117 223
Current year retained earnings	-117 223	-117 223
OFF-BALANCE SHEET	51 079 596	51 079 596
Unused credit limits available	8 000 000	8 000 000
Contingent liabilities	-13 750 251	-13 750 251
Guarantees issued	-2 685 304	-2 685 304
Unused credit limits opened	-8 910 179	-8 910 179
Unused guarantee limits	-2 154 768	-2 154 768
Collateral on loans	57 228 424	57 228 424
goods	45 277 991	45 277 991
securities	11 950 433	11 950 433
Unprocessed payments	498 036	498 036
Due to lack of funds on client accounts	498 036	498 036
Other off-balance sheet accounts	-896 613	-896 613
Written-off interest	-241 925	-241 925
Written-off loans	-654 688	-654 688
Credit card balances	23 890	23 890
Risk-weighted assets	71 036 305	71 036 305
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-5,55%	-100,0%
including corporate loans:	-4,12%	-100,0%
including individual loans:	-16,87%	-100,0%
Past-due rate:	-4,34%	-100,0%
corporate clients:	-1,78%	-100,0%
individuals:	-23,99%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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