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

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	NALCHIK	add to comparison
Central Bank of Russia registration number: 695

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	1 369 464	1 369 464
High liquid assets	59 786	59 786
Cash and equivalents	34 691	34 691
Cash	26 762	26 762
in cash and en route	24 052	24 052
in ATMs	2 710	2 710
Nostro account with Central Bank	7 929	7 929
Nostro accounts	20 444	20 444
Residents	20 444	20 444
Money in transfer	5 433	5 433
Provision for impairment of high-liquid assets	-782	-782
Interest-earning assets	852 212	852 212
Dues from banks	559 000	559 000
Central Bank of Russia	475 000	475 000
Residents	84 000	84 000
up to 30 days	84 000	84 000
Loans to corporate clients	196 137	196 137
residents	339 711	339 711
up to 1 year	1 336	1 336
up to 3 years	98 395	98 395
more than 3 years	239 980	239 980
Past-due	87 149	87 149
residents	87 149	87 149
Provision for impairment of corporate loans	-230 723	-230 723
residents	-230 723	-230 723
Loans to private entrepreneurs	47 597	47 597
up to 3 years	20 330	20 330
more than 3 years	28 241	28 241
Past-due	4 214	4 214
Provision for impairment of loans to private entrepreneurs	-5 188	-5 188
Loans to individuals	49 478	49 478
Standard	52 997	52 997
up to 3 years	1 993	1 993
more than 3 years	51 004	51 004
Past-due	8 147	8 147
Past-due	8 147	8 147
Provision for impairment of loans to individuals	-11 666	-11 666
Other assets	457 466	457 466
Mandatory reserves with Central Bank	1 264	1 264
Premises and equipment	72 255	72 255
Purchase cost	98 870	98 870
Depreciation	-26 615	-26 615
Accrued interest not yet received	5 668	5 668
Other assets	471 143	471 143
Provision for impairment of other assets	-121 539	-121 539
Deferred tax asset	28 675	28 675
LIABILITIES	748 042	748 042
Dues to banks	3 276	3 276
Other dues to banks	3 276	3 276
On demand	318 966	318 966
Corporate clients	235 629	235 629
State-owned enterprises	5 061	5 061
Residents	230 568	230 568
Individuals	83 337	83 337
Residents	83 329	83 329
Non-residents	8	8
Term	411 331	411 331
Corporate clients	16 500	16 500
Residents	16 500	16 500
up to 180 days	11 500	11 500
up to 1 year	5 000	5 000
Individuals	394 831	394 831
residents	394 831	394 831
up to 180 days	204 975	204 975
up to 1 year	7 388	7 388
up to 3 years	153 431	153 431
more than 3 years	29 037	29 037
Other liabilities	14 469	14 469
Other liabilities	9 316	9 316
Accrued interest not yet paid	5 153	5 153
EQUITY	621 422	621 422
Capital	495 444	495 444
Profit from previous years	120 019	120 019
Retained earnings from previous years	120 019	120 019
Current year profit	5 959	5 959
Current year retained earnings	5 959	5 959
OFF-BALANCE SHEET	1 227 563	1 227 563
Contingent liabilities	-60 276	-60 276
Unused credit limits opened	-60 276	-60 276
Collateral on loans	1 260 118	1 260 118
goods	1 260 118	1 260 118
Unprocessed payments	146 726	146 726
Due to lack of funds on client accounts	146 726	146 726
Other off-balance sheet accounts	-119 005	-119 005
Written-off interest	-9 790	-9 790
Written-off loans	-109 215	-109 215
Risk-weighted assets	1 108 524	1 108 524
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-42,08%	-100,0%
including corporate loans:	-49,18%	-100,0%
including individual loans:	-19,08%	-100,0%
Past-due rate:	-18,40%	-100,0%
corporate clients:	-19,05%	-100,0%
individuals:	-13,32%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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