Kuap. Ru - Balance sheet of КРЕДО ФИНАНС, analysis of f.101

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	KREDO FINANS	add to comparison
Central Bank of Russia registration number: 793

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	414 537	414 537
High liquid assets	27 101	27 101
Cash and equivalents	24 522	24 522
Cash	13 793	13 793
in cash and en route	13 793	13 793
Nostro account with Central Bank	10 729	10 729
Nostro accounts	2 611	2 611
Residents	2 611	2 611
Provision for impairment of high-liquid assets	-32	-32
Interest-earning assets	330 879	330 879
Securities	272 036	272 036
Promissory notes	272 036	272 036
Banks	272 036	272 036
Loans to corporate clients	11 873	11 873
residents	6 831	6 831
up to 30 days	4 731	4 731
up to 3 years	2 100	2 100
state-owned enterprises	7 000	7 000
up to 30 days	7 000	7 000
Provision for impairment of corporate loans	-1 958	-1 958
residents	-1 118	-1 118
state-owned enterprises	-840	-840
Loans to private entrepreneurs	6 320	6 320
up to 3 years	8 000	8 000
Provision for impairment of loans to private entrepreneurs	-1 680	-1 680
Loans to individuals	40 650	40 650
Standard	51 404	51 404
up to 1 year	2 144	2 144
up to 3 years	43 571	43 571
more than 3 years	5 689	5 689
Memo: mortgage loans	3 058	3 058
Past-due	3 396	3 396
Past-due	3 396	3 396
Provision for impairment of loans to individuals	-14 150	-14 150
Other assets	56 557	56 557
Mandatory reserves with Central Bank	3 579	3 579
Premises and equipment	58 770	58 770
Purchase cost	69 134	69 134
Depreciation	-10 364	-10 364
Accrued interest not yet received	335	335
Other assets	3 822	3 822
Provision for impairment of other assets	-9 987	-9 987
Deferred tax asset	38	38
LIABILITIES	98 138	98 138
Dues to banks	1 910	1 910
Other dues to banks	1 910	1 910
On demand	63 495	63 495
Corporate clients	63 110	63 110
State-owned enterprises	26 146	26 146
Residents	36 964	36 964
Individuals	385	385
Residents	385	385
Term	29 069	29 069
Individuals	29 069	29 069
residents	29 069	29 069
up to 3 years	29 069	29 069
Other liabilities	3 664	3 664
Other liabilities	2 160	2 160
Accrued interest not yet paid	1 504	1 504
EQUITY	316 399	316 399
Capital	174 031	174 031
Profit from previous years	138 254	138 254
Retained earnings from previous years	138 254	138 254
Current year profit	6 172	6 172
Current year retained earnings	6 172	6 172
Future expenses	-2 058	-2 058
OFF-BALANCE SHEET	96 283	96 283
Collateral on loans	21 730	21 730
goods	21 730	21 730
Unprocessed payments	72 602	72 602
Due to lack of funds on client accounts	72 602	72 602
Other off-balance sheet accounts	1 951	1 951
Accrued interest not yet received	1 951	1 951
Risk-weighted assets	587 011	587 011
Reserve rates:
Customer loans, total:	-21,44%	-100,0%
including corporate loans:	-16,66%	-100,0%
including individual loans:	-25,82%	-100,0%
Past-due rate:	-4,43%	-100,0%
corporate clients:	0,00%	-
individuals:	-6,20%	-100,0%
o/w mortgages:	0,00%	-

You can also get acquainted with balance sheet aggregation methodics.

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