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

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	ROYAL KREDIT BANK	add to comparison
Central Bank of Russia registration number: 783 retail funding

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	5 677 767	5 677 767
High liquid assets	914 184	914 184
Cash and equivalents	771 165	771 165
Cash	580 072	580 072
in cash and en route	145 794	145 794
in ATMs	434 278	434 278
Nostro account with Central Bank	191 093	191 093
Nostro accounts	100 397	100 397
Residents	100 397	100 397
Money in transfer	47 143	47 143
Provision for impairment of high-liquid assets	-4 521	-4 521
Interest-earning assets	2 069 053	2 069 053
Dues from banks	1 424 940	1 424 940
Central Bank of Russia	1 400 000	1 400 000
Residents	25 532	25 532
up to 30 days	25 532	25 532
Provision for impairment of loans to banks	-592	-592
Securities	171 134	171 134
Bonds	171 134	171 134
Federal Loan Bonds (OFZs), OBRs	59 897	59 897
Corporate bonds	115 523	115 523
Valuation allowance	-4 286	-4 286
Loans to corporate clients	390 121	390 121
residents	403 353	403 353
up to 30 days	3 064	3 064
up to 180 days	164 837	164 837
up to 1 year	34 869	34 869
up to 3 years	96 562	96 562
more than 3 years	104 021	104 021
Past-due	27 303	27 303
residents	27 303	27 303
Provision for impairment of corporate loans	-40 535	-40 535
residents	-40 535	-40 535
Loans to private entrepreneurs	55 720	55 720
up to 180 days	632	632
up to 3 years	22 263	22 263
more than 3 years	31 767	31 767
Past-due	6 367	6 367
Provision for impairment of loans to private entrepreneurs	-5 309	-5 309
Loans to individuals	27 138	27 138
Standard	24 953	24 953
up to 30 days	6 364	6 364
up to 3 years	1 214	1 214
more than 3 years	17 375	17 375
Past-due	12 920	12 920
Past-due	12 920	12 920
Provision for impairment of loans to individuals	-10 735	-10 735
Other assets	2 694 530	2 694 530
Mandatory reserves with Central Bank	15 470	15 470
Premises and equipment	384 783	384 783
Purchase cost	563 504	563 504
Depreciation	-178 721	-178 721
Accrued interest not yet received	2 480	2 480
Other assets	2 436 414	2 436 414
Provision for impairment of other assets	-145 660	-145 660
Deferred tax asset	1 043	1 043
LIABILITIES	4 994 354	4 994 354
Dues to banks	27 328	27 328
Other dues to banks	27 328	27 328
On demand	379 971	379 971
Corporate clients	221 249	221 249
Residents	211 221	211 221
Non-residents	10 028	10 028
Individuals	158 722	158 722
Residents	158 703	158 703
Non-residents	19	19
Term	4 409 159	4 409 159
Corporate clients	1 048 726	1 048 726
Residents	1 048 726	1 048 726
up to 30 days	94 211	94 211
up to 180 days	735 015	735 015
up to 1 year	19 500	19 500
more than 3 years	200 000	200 000
Individuals	3 360 433	3 360 433
residents	3 357 198	3 357 198
up to 180 days	490 288	490 288
up to 1 year	1 699 609	1 699 609
up to 3 years	538 640	538 640
more than 3 years	628 661	628 661
non-residents	3 235	3 235
up to 1 year	2 958	2 958
up to 3 years	277	277
Other liabilities	177 896	177 896
Other liabilities	162 166	162 166
Accrued interest not yet paid	10 001	10 001
Deferred tax liabilities	5 729	5 729
EQUITY	683 413	683 413
Capital	379 573	379 573
Profit from previous years	229 139	229 139
Retained earnings from previous years	229 139	229 139
Current year profit	74 701	74 701
Current year retained earnings	74 701	74 701
OFF-BALANCE SHEET	1 393 528	1 393 528
Unused credit limits available	500 000	500 000
Contingent liabilities	-269 770	-269 770
Guarantees issued	-22 772	-22 772
Unused credit limits opened	-246 998	-246 998
Collateral on loans	1 161 796	1 161 796
goods	1 144 274	1 144 274
securities	17 522	17 522
Unprocessed payments	40 157	40 157
Due to lack of funds on client accounts	40 157	40 157
Other off-balance sheet accounts	-38 655	-38 655
Written-off interest	-4 300	-4 300
Written-off loans	-34 355	-34 355
Credit card balances	6 364	6 364
Risk-weighted assets	3 746 121	3 746 121
Reserve rates:
Loans to banks:	-0,04%	-100,0%
Customer loans, total:	-9,67%	-100,0%
including corporate loans:	-9,32%	-100,0%
including individual loans:	-28,34%	-100,0%
Past-due rate:	-8,80%	-100,0%
corporate clients:	-6,85%	-100,0%
individuals:	-34,11%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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