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

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	GAGARINSKIY KOMMERCHESKIY BANK	add to comparison
Central Bank of Russia registration number: 606

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	4 751 936	4 751 936
High liquid assets	578 306	578 306
Cash and equivalents	266 704	266 704
Cash	203 657	203 657
in cash and en route	193 143	193 143
in ATMs	10 514	10 514
Nostro account with Central Bank	63 047	63 047
Nostro accounts	237 830	237 830
Non-residents	57 005	57 005
Residents	180 825	180 825
Money in transfer	1 162	1 162
Exchange accounts	97 307	97 307
Provision for impairment of high-liquid assets	-24 697	-24 697
Interest-earning assets	3 241 692	3 241 692
Dues from banks	105 297	105 297
Residents	105 297	105 297
up to 30 days	5 297	5 297
up to 180 days	100 000	100 000
Securities	1 284 076	1 284 076
Bonds	1 284 061	1 284 061
Federal Loan Bonds (OFZs), OBRs	32 073	32 073
Financial institutions bonds	19 344	19 344
Corporate foreign bonds	10 093	10 093
Valuation allowance	1 178	1 178
Pledged under REPO	1 221 373	1 221 373
Stocks	15	15
Residents	60	60
Provision for impairment of stocks	-45	-45
Loans to corporate clients	1 720 816	1 720 816
residents	1 936 699	1 936 699
up to 30 days	24 626	24 626
up to 180 days	93 230	93 230
up to 1 year	1 122 636	1 122 636
up to 3 years	694 436	694 436
more than 3 years	1 771	1 771
Past-due	51 241	51 241
residents	51 241	51 241
Provision for impairment of corporate loans	-267 124	-267 124
residents	-267 124	-267 124
Loans to private entrepreneurs	3 079	3 079
up to 1 year	1 700	1 700
up to 3 years	927	927
Past-due	1 000	1 000
Provision for impairment of loans to private entrepreneurs	-548	-548
Loans to individuals	128 424	128 424
Standard	133 035	133 035
up to 30 days	158	158
up to 1 year	55	55
up to 3 years	47 338	47 338
more than 3 years	85 484	85 484
Past-due	1 454	1 454
Past-due	1 454	1 454
Provision for impairment of loans to individuals	-6 065	-6 065
Other assets	931 938	931 938
Mandatory reserves with Central Bank	26 749	26 749
Premises and equipment	834 561	834 561
Purchase cost	906 096	906 096
Depreciation	-71 535	-71 535
Accrued interest not yet received	33 397	33 397
Other assets	55 381	55 381
Provision for impairment of other assets	-20 825	-20 825
Deferred tax asset	2 675	2 675
LIABILITIES	4 034 630	4 034 630
Dues to banks	1 160 000	1 160 000
Term	1 160 000	1 160 000
Central Bank of Russia	1 160 000	1 160 000
other	1 160 000	1 160 000
On demand	473 081	473 081
Corporate clients	450 520	450 520
State-owned enterprises	12 562	12 562
Residents	437 893	437 893
Non-residents	65	65
Individuals	22 561	22 561
Residents	22 353	22 353
Non-residents	208	208
Term	2 127 316	2 127 316
Corporate clients	8 423	8 423
Residents	8 423	8 423
up to 1 year	8 423	8 423
Individuals	2 118 893	2 118 893
residents	2 117 423	2 117 423
up to 180 days	10 489	10 489
up to 1 year	1 574 080	1 574 080
up to 3 years	532 854	532 854
non-residents	1 470	1 470
up to 180 days	410	410
up to 1 year	459	459
up to 3 years	601	601
Other liabilities	274 233	274 233
Other liabilities	13 552	13 552
Accrued interest not yet paid	104 796	104 796
Deferred tax liabilities	155 885	155 885
EQUITY	717 306	717 306
Capital	409 859	409 859
Profit from previous years	427 444	427 444
Retained earnings from previous years	427 444	427 444
Current year profit	-114 092	-114 092
Current year retained earnings	-114 092	-114 092
Future expenses	-5 905	-5 905
OFF-BALANCE SHEET	1 372 821	1 372 821
Contingent liabilities	-223 730	-223 730
Guarantees issued	-74 170	-74 170
Unused credit limits opened	-79 560	-79 560
Unused guarantee limits	-70 000	-70 000
Collateral on loans	1 376 575	1 376 575
goods	1 376 575	1 376 575
Unprocessed payments	244 378	244 378
Due to lack of funds on client accounts	244 378	244 378
Other off-balance sheet accounts	-24 402	-24 402
Accrued interest not yet received	10 383	10 383
Written-off interest	-7 513	-7 513
Written-off loans	-27 272	-27 272
Credit card balances	158	158
Risk-weighted assets	4 457 942	4 457 942
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-12,86%	-100,0%
including corporate loans:	-13,44%	-100,0%
including individual loans:	-4,51%	-100,0%
Past-due rate:	-2,53%	-100,0%
corporate clients:	-2,62%	-100,0%
individuals:	-1,08%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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