Kuap. Ru - Balance sheet of РАМ БАНК, analysis of f.101

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	RAM BANK	add to comparison
Central Bank of Russia registration number: 3480

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	2 884 049	2 884 049
High liquid assets	56 137	56 137
Cash and equivalents	28 523	28 523
Cash	6 931	6 931
in cash and en route	6 206	6 206
in ATMs	725	725
Nostro account with Central Bank	21 592	21 592
Nostro accounts	8 091	8 091
Non-residents	467	467
Residents	7 624	7 624
Money in transfer	12 514	12 514
Exchange accounts	7 182	7 182
Provision for impairment of high-liquid assets	-173	-173
Interest-earning assets	2 563 164	2 563 164
Dues from banks	3 231	3 231
Residents	3 447	3 447
up to 30 days	3 447	3 447
Provision for impairment of loans to banks	-216	-216
Loans to corporate clients	2 554 423	2 554 423
residents	2 760 619	2 760 619
up to 30 days	30 200	30 200
up to 180 days	139 031	139 031
up to 1 year	1 727 448	1 727 448
up to 3 years	863 940	863 940
Past-due	95	95
residents	95	95
Provision for impairment of corporate loans	-206 291	-206 291
residents	-206 291	-206 291
Loans to private entrepreneurs	5 510	5 510
up to 3 years	6 000	6 000
Past-due	1	1
Provision for impairment of loans to private entrepreneurs	-491	-491
Other assets	264 748	264 748
Mandatory reserves with Central Bank	31 313	31 313
Premises and equipment	172 034	172 034
Purchase cost	284 823	284 823
Depreciation	-112 789	-112 789
Accrued interest not yet received	4 205	4 205
Other assets	99 977	99 977
Provision for impairment of other assets	-42 781	-42 781
LIABILITIES	2 343 375	2 343 375
Dues to banks	17 989	17 989
On demand	17 989	17 989
Non-residents	17 989	17 989
On demand	94 820	94 820
Corporate clients	76 276	76 276
Residents	75 906	75 906
Non-residents	370	370
Individuals	18 544	18 544
Residents	18 187	18 187
Non-residents	357	357
Term	2 207 547	2 207 547
Corporate clients	1 715 584	1 715 584
Residents	1 715 584	1 715 584
more than 3 years	1 715 584	1 715 584
Individuals	491 963	491 963
residents	491 827	491 827
up to 180 days	7 665	7 665
up to 1 year	15 349	15 349
up to 3 years	468 813	468 813
non-residents	136	136
up to 3 years	136	136
Other liabilities	23 019	23 019
Other liabilities	14 334	14 334
Accrued interest not yet paid	8 685	8 685
EQUITY	540 674	540 674
Capital	1 293 680	1 293 680
Profit from previous years	-948 455	-948 455
Retained earnings from previous years	-948 455	-948 455
Current year profit	195 449	195 449
Current year retained earnings	195 449	195 449
OFF-BALANCE SHEET	3 844 646	3 844 646
Unused credit limits available	500 000	500 000
Contingent liabilities	-29 654	-29 654
Guarantees issued	-5 000	-5 000
Unused credit limits opened	-24 654	-24 654
Collateral on loans	3 322 233	3 322 233
goods	3 322 233	3 322 233
Unprocessed payments	84 263	84 263
Due to lack of funds on client accounts	84 263	84 263
Other off-balance sheet accounts	-32 196	-32 196
Written-off interest	-13 157	-13 157
Written-off loans	-19 039	-19 039
Risk-weighted assets	3 906 716	3 906 716
Reserve rates:
Loans to banks:	-6,27%	-100,0%
Customer loans, total:	-7,46%	-100,0%
including corporate loans:	-7,47%	-100,0%
Past-due rate:	-0,00%	-100,0%
corporate clients:	-0,00%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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