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

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	TERRA	add to comparison
Central Bank of Russia registration number: 3476

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	591 715	591 715
High liquid assets	75 387	75 387
Cash and equivalents	74 303	74 303
Cash	16 697	16 697
in cash and en route	16 697	16 697
Nostro account with Central Bank	57 606	57 606
Nostro accounts	1 084	1 084
Residents	1 084	1 084
Interest-earning assets	391 010	391 010
Loans to corporate clients	253 554	253 554
residents	320 705	320 705
up to 1 year	15 787	15 787
up to 3 years	173 400	173 400
more than 3 years	131 518	131 518
Past-due	48 530	48 530
residents	48 530	48 530
Provision for impairment of corporate loans	-115 681	-115 681
residents	-115 681	-115 681
Loans to individuals	137 456	137 456
Standard	174 003	174 003
up to 1 year	8 243	8 243
up to 3 years	59 747	59 747
more than 3 years	106 013	106 013
Memo: mortgage loans	100 420	100 420
Past-due	174	174
Past-due	174	174
Memo: mortgage loans past-due	174	174
Provision for impairment of loans to individuals	-36 721	-36 721
Other assets	125 318	125 318
Mandatory reserves with Central Bank	8 690	8 690
Premises and equipment	9 876	9 876
Purchase cost	14 935	14 935
Depreciation	-5 059	-5 059
Other assets	111 806	111 806
Provision for impairment of other assets	-5 054	-5 054
LIABILITIES	286 702	286 702
On demand	20 037	20 037
Corporate clients	20 037	20 037
Residents	20 037	20 037
Term	265 424	265 424
Corporate clients	265 424	265 424
Residents	265 424	265 424
more than 3 years	265 424	265 424
Securities issued	65	65
Promissory notes	65	65
more than 3 years	65	65
Other liabilities	1 176	1 176
Other liabilities	1 065	1 065
Accrued interest not yet paid	111	111
EQUITY	305 013	305 013
Capital	206 257	206 257
Profit from previous years	106 583	106 583
Retained earnings from previous years	106 583	106 583
Current year profit	-6 882	-6 882
Current year retained earnings	-6 882	-6 882
Future expenses	-945	-945
OFF-BALANCE SHEET	1 933 715	1 933 715
Collateral on loans	398 392	398 392
goods	287 064	287 064
securities	111 328	111 328
Unprocessed payments	1 519 408	1 519 408
Due to lack of funds on client accounts	1 519 408	1 519 408
Other off-balance sheet accounts	15 915	15 915
Accrued interest not yet received	15 915	15 915
Risk-weighted assets	888 471	888 471
Reserve rates:
Customer loans, total:	-28,05%	-100,0%
including corporate loans:	-31,33%	-100,0%
including individual loans:	-21,08%	-100,0%
Past-due rate:	-8,96%	-100,0%
corporate clients:	-13,14%	-100,0%
individuals:	-0,10%	-100,0%
o/w mortgages:	-0,17%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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