Kuap. Ru - Balance sheet of РУССКИЙ ИНВЕСТИЦИОННЫЙ АЛЬЯНС, analysis of f.101

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	RUSSKIY INVESTICIONNIY ALYANS	add to comparison
Central Bank of Russia registration number: 3434 complies with 214-FZ (equity construction)

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	3 358 164	3 358 164
High liquid assets	350 390	350 390
Cash and equivalents	334 569	334 569
Cash	210 887	210 887
in cash and en route	207 690	207 690
in ATMs	3 197	3 197
Nostro account with Central Bank	123 682	123 682
Nostro accounts	10 111	10 111
Non-residents	246	246
Residents	9 865	9 865
Money in transfer	2 899	2 899
Exchange accounts	3 277	3 277
Provision for impairment of high-liquid assets	-466	-466
Interest-earning assets	1 953 732	1 953 732
Dues from banks	181 093	181 093
Residents	183 662	183 662
up to 30 days	183 662	183 662
Provision for impairment of loans to banks	-2 569	-2 569
Securities	11 487	11 487
Bonds	11 487	11 487
Federal Loan Bonds (OFZs), OBRs	11 079	11 079
Valuation allowance	408	408
Loans to corporate clients	1 442 589	1 442 589
residents	1 789 628	1 789 628
up to 30 days	47 604	47 604
up to 180 days	108 000	108 000
up to 1 year	475 646	475 646
up to 3 years	260 989	260 989
more than 3 years	897 389	897 389
state-owned enterprises	300	300
up to 1 year	300	300
Past-due	48 254	48 254
residents	48 254	48 254
Provision for impairment of corporate loans	-395 593	-395 593
residents	-395 593	-395 593
Loans to individuals	318 563	318 563
Standard	292 030	292 030
up to 30 days	1 071	1 071
up to 180 days	600	600
up to 1 year	162 375	162 375
up to 3 years	30 874	30 874
more than 3 years	97 110	97 110
Memo: mortgage loans	185 225	185 225
Past-due	101 802	101 802
Past-due	101 802	101 802
Memo: mortgage loans past-due	45 115	45 115
Provision for impairment of loans to individuals	-75 269	-75 269
Other assets	1 054 042	1 054 042
Mandatory reserves with Central Bank	18 129	18 129
Premises and equipment	763 532	763 532
Purchase cost	945 780	945 780
Depreciation	-182 248	-182 248
Accrued interest not yet received	98 131	98 131
Other assets	308 743	308 743
Provision for impairment of other assets	-158 440	-158 440
Deferred tax asset	23 947	23 947
LIABILITIES	2 535 953	2 535 953
On demand	198 183	198 183
Corporate clients	136 941	136 941
State-owned enterprises	764	764
Residents	136 177	136 177
Individuals	60 690	60 690
Residents	60 687	60 687
Non-residents	3	3
Brokerage accounts	552	552
Residents	552	552
Term	2 103 209	2 103 209
Corporate clients	233 067	233 067
Residents	232 407	232 407
up to 1 year	697	697
up to 3 years	21 305	21 305
more than 3 years	210 405	210 405
State-owned enterprises	660	660
more than 3 years	660	660
Individuals	1 870 142	1 870 142
residents	1 864 763	1 864 763
up to 30 days	1 865	1 865
up to 180 days	56 264	56 264
up to 1 year	191 528	191 528
up to 3 years	1 603 417	1 603 417
more than 3 years	11 689	11 689
non-residents	5 379	5 379
up to 180 days	2	2
up to 1 year	1	1
up to 3 years	5 376	5 376
Securities issued	43 561	43 561
Promissory notes	43 561	43 561
up to 180 days	5 673	5 673
up to 1 year	8 007	8 007
up to 3 years	31 411	31 411
Discount accrued	-1 530	-1 530
Other liabilities	191 000	191 000
Other liabilities	80 815	80 815
Accrued interest not yet paid	86 150	86 150
Liabilities past-due	89	89
Deferred tax liabilities	23 946	23 946
EQUITY	822 211	822 211
Capital	1 137 660	1 137 660
Profit from previous years	-277 069	-277 069
Retained earnings from previous years	-277 069	-277 069
Current year profit	-36 146	-36 146
Current year retained earnings	-36 146	-36 146
Future expenses	-2 234	-2 234
OFF-BALANCE SHEET	3 337 508	3 337 508
Contingent liabilities	-3 229 887	-3 229 887
Guarantees issued	-2 415 614	-2 415 614
Unused credit limits opened	-228 429	-228 429
Unused guarantee limits	-585 844	-585 844
Collateral on loans	6 378 091	6 378 091
goods	6 378 091	6 378 091
Unprocessed payments	135 795	135 795
Due to lack of funds on client accounts	135 795	135 795
Other off-balance sheet accounts	53 509	53 509
Accrued interest not yet received	61 655	61 655
Written-off interest	-138	-138
Written-off loans	-8 008	-8 008
Credit card balances	1 071	1 071
Risk-weighted assets	3 987 437	3 987 437
Reserve rates:
Loans to banks:	-1,40%	-100,0%
Customer loans, total:	-21,10%	-100,0%
including corporate loans:	-21,52%	-100,0%
including individual loans:	-19,11%	-100,0%
Past-due rate:	-6,72%	-100,0%
corporate clients:	-2,63%	-100,0%
individuals:	-25,85%	-100,0%
o/w mortgages:	-24,36%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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