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

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	SMARTBANK	add to comparison
Central Bank of Russia registration number: 3408

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	4 080 322	4 080 322
High liquid assets	1 708 030	1 708 030
Cash and equivalents	1 022 799	1 022 799
Cash	986 982	986 982
in cash and en route	235 761	235 761
in ATMs	751 221	751 221
Nostro account with Central Bank	35 817	35 817
Nostro accounts	470 222	470 222
Residents	470 222	470 222
Money in transfer	32 109	32 109
Exchange accounts	183 688	183 688
Provision for impairment of high-liquid assets	-788	-788
Interest-earning assets	1 666 167	1 666 167
Dues from banks	258 196	258 196
Residents	258 248	258 248
up to 30 days	258 248	258 248
Provision for impairment of loans to banks	-52	-52
Securities	960 547	960 547
Bonds	487 202	487 202
Financial institutions bonds	5 697	5 697
Corporate foreign bonds	38 867	38 867
Valuation allowance	8 932	8 932
Pledged under REPO	433 706	433 706
Promissory notes	34 064	34 064
Corporate	43 119	43 119
Provision for impairment of promissory notes	-9 055	-9 055
Stocks	439 281	439 281
Residents	556 052	556 052
Provision for impairment of stocks	-116 771	-116 771
Loans to corporate clients	347 749	347 749
residents	434 162	434 162
up to 30 days	400	400
up to 1 year	189 605	189 605
up to 3 years	154 972	154 972
more than 3 years	89 185	89 185
Past-due	65	65
residents	65	65
Provision for impairment of corporate loans	-86 478	-86 478
residents	-86 478	-86 478
Loans to individuals	99 675	99 675
Standard	102 750	102 750
up to 30 days	305	305
up to 1 year	7 060	7 060
up to 3 years	8 053	8 053
more than 3 years	87 332	87 332
Past-due	5 532	5 532
Past-due	5 532	5 532
Provision for impairment of loans to individuals	-8 607	-8 607
Other assets	706 125	706 125
Mandatory reserves with Central Bank	95 117	95 117
Premises and equipment	90 207	90 207
Purchase cost	128 396	128 396
Depreciation	-38 189	-38 189
Accrued interest not yet received	3 472	3 472
Other assets	630 581	630 581
Provision for impairment of other assets	-116 630	-116 630
Deferred tax asset	3 378	3 378
LIABILITIES	3 534 514	3 534 514
Dues to banks	569 364	569 364
On demand	2 671	2 671
Residents	2 671	2 671
Term	566 693	566 693
Central Bank of Russia	380 000	380 000
other	380 000	380 000
Non-residents	186 693	186 693
more than 180 days	186 693	186 693
On demand	470 095	470 095
Corporate clients	361 186	361 186
State-owned enterprises	63	63
Residents	357 850	357 850
Non-residents	3 273	3 273
Individuals	108 909	108 909
Residents	107 965	107 965
Non-residents	944	944
Term	2 455 505	2 455 505
Corporate clients	100 003	100 003
Residents	100 003	100 003
up to 1 year	3	3
up to 3 years	100 000	100 000
Individuals	2 355 502	2 355 502
residents	2 336 219	2 336 219
up to 180 days	87	87
up to 1 year	827 091	827 091
up to 3 years	1 509 035	1 509 035
more than 3 years	6	6
non-residents	19 283	19 283
up to 180 days	9	9
up to 1 year	1 260	1 260
up to 3 years	18 014	18 014
Other liabilities	39 550	39 550
Other liabilities	32 733	32 733
Accrued interest not yet paid	6 817	6 817
EQUITY	545 808	545 808
Capital	134 701	134 701
Profit from previous years	519 432	519 432
Retained earnings from previous years	519 432	519 432
Current year profit	-103 122	-103 122
Current year retained earnings	-103 122	-103 122
Future expenses	-5 203	-5 203
OFF-BALANCE SHEET	794 205	794 205
Contingent liabilities	-5 863	-5 863
Guarantees issued	-4 815	-4 815
Unused credit limits opened	-1 048	-1 048
Collateral on loans	691 512	691 512
goods	432 312	432 312
securities	259 200	259 200
Unprocessed payments	103 465	103 465
Due to lack of funds on client accounts	103 465	103 465
Other off-balance sheet accounts	5 091	5 091
Accrued interest not yet received	5 150	5 150
Written-off interest	-3	-3
Written-off loans	-56	-56
Credit card balances	305	305
Risk-weighted assets	3 891 589	3 891 589
Reserve rates:
Loans to banks:	-0,02%	-100,0%
Customer loans, total:	-17,53%	-100,0%
including corporate loans:	-19,92%	-100,0%
including individual loans:	-7,95%	-100,0%
Past-due rate:	-1,03%	-100,0%
corporate clients:	-0,01%	-100,0%
individuals:	-5,11%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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