Kuap. Ru - Balance sheet of ЧЕРНОМОРСКИЙ БАНК РАЗВИТИЯ И РЕКОНСТРУКЦИИ, analysis of f.101

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	BLACK SEA BANK FOR DEVELOPMENT AND RECONSTRUCTION	add to comparison
Central Bank of Russia registration number: 3527

Financial analysis

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	7 210 966	7 210 966
High liquid assets	402 886	402 886
Cash and equivalents	353 791	353 791
Cash	279 019	279 019
in cash and en route	243 542	243 542
in ATMs	35 477	35 477
Nostro account with Central Bank	74 772	74 772
Nostro accounts	8 578	8 578
Residents	8 578	8 578
Money in transfer	45 694	45 694
Provision for impairment of high-liquid assets	-5 177	-5 177
Interest-earning assets	6 532 840	6 532 840
Dues from banks	5 363 487	5 363 487
Central Bank of Russia	5 360 000	5 360 000
Residents	3 500	3 500
more than 180 days	3 500	3 500
Non-residents	6 677	6 677
more than 180 days	6 677	6 677
Loans past-due	4 002	4 002
residents	4 002	4 002
Provision for impairment of loans to banks	-10 692	-10 692
Loans to corporate clients	928 953	928 953
residents	975 533	975 533
up to 30 days	35 555	35 555
up to 180 days	995	995
up to 1 year	406 454	406 454
up to 3 years	418 156	418 156
more than 3 years	114 373	114 373
Past-due	158 788	158 788
residents	11 555	11 555
non-residents	147 220	147 220
state-owned enterprises	13	13
Provision for impairment of corporate loans	-205 368	-205 368
residents	-58 541	-58 541
non-residents	-146 814	-146 814
state-owned enterprises	-13	-13
Loans to private entrepreneurs	116 388	116 388
up to 30 days	6 662	6 662
up to 1 year	875	875
up to 3 years	8 327	8 327
more than 3 years	100 995	100 995
Past-due	549	549
Provision for impairment of loans to private entrepreneurs	-1 020	-1 020
Loans to individuals	124 012	124 012
Standard	126 652	126 652
up to 1 year	51	51
up to 3 years	47 408	47 408
more than 3 years	79 193	79 193
Past-due	51 296	51 296
Past-due	51 296	51 296
Provision for impairment of loans to individuals	-53 936	-53 936
Other assets	275 240	275 240
Mandatory reserves with Central Bank	10 412	10 412
Premises and equipment	251 504	251 504
Purchase cost	429 236	429 236
Depreciation	-177 732	-177 732
Accrued interest not yet received	10 181	10 181
Other assets	45 242	45 242
Provision for impairment of other assets	-48 321	-48 321
Deferred tax asset	6 222	6 222
LIABILITIES	6 603 694	6 603 694
On demand	3 959 400	3 959 400
Corporate clients	3 542 290	3 542 290
State-owned enterprises	78 311	78 311
Residents	3 461 194	3 461 194
Non-residents	2 785	2 785
Individuals	417 110	417 110
Residents	409 596	409 596
Non-residents	7 514	7 514
Term	2 505 448	2 505 448
Corporate clients	293 825	293 825
Residents	293 825	293 825
up to 180 days	247 305	247 305
up to 1 year	46 520	46 520
Individuals	2 211 623	2 211 623
residents	2 197 315	2 197 315
up to 180 days	268 365	268 365
up to 1 year	644 595	644 595
up to 3 years	1 100 838	1 100 838
more than 3 years	183 517	183 517
non-residents	14 308	14 308
up to 180 days	1 930	1 930
up to 1 year	257	257
up to 3 years	7 135	7 135
more than 3 years	4 986	4 986
Other liabilities	138 846	138 846
Other liabilities	115 254	115 254
Accrued interest not yet paid	23 592	23 592
EQUITY	607 272	607 272
Capital	284 574	284 574
Profit from previous years	272 000	272 000
Retained earnings from previous years	272 000	272 000
Current year profit	50 698	50 698
Current year retained earnings	50 698	50 698
OFF-BALANCE SHEET	3 552 912	3 552 912
Contingent liabilities	-122 966	-122 966
Unused credit limits opened	-122 966	-122 966
Collateral on loans	1 963 887	1 963 887
goods	1 963 887	1 963 887
Unprocessed payments	2 257 245	2 257 245
Due to lack of funds on client accounts	2 257 245	2 257 245
Other off-balance sheet accounts	-545 254	-545 254
Written-off interest	-148 306	-148 306
Written-off loans	-396 948	-396 948
Risk-weighted assets	2 861 094	2 861 094
Reserve rates:
Loans to banks:	-0,20%	-100,0%
Customer loans, total:	-16,84%	-100,0%
including corporate loans:	-16,49%	-100,0%
including individual loans:	-30,31%	-100,0%
Past-due rate:	-14,73%	-100,0%
corporate clients:	-12,73%	-100,0%
individuals:	-28,83%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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