Kuap. Ru - Balance sheet of ГРУППА «ЗЕНИТ», analysis of f.101

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GROUP �ZENIT�

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IFRS reports

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	242 569 134	242 569 134
High liquid assets	21 016 134	21 016 134
Cash and equivalents	12 561 112	12 561 112
Cash	6 429 233	6 429 233
in cash and en route	3 532 523	3 532 523
in ATMs	2 232 329	2 232 329
precious metals	664 381	664 381
Nostro account with Central Bank	6 131 879	6 131 879
Nostro accounts	6 417 135	6 417 135
Non-residents	5 709 711	5 709 711
Residents	707 424	707 424
Money in transfer	1 728 524	1 728 524
Exchange accounts	333 905	333 905
Provision for impairment of high-liquid assets	-24 542	-24 542
Interest-earning assets	192 311 201	192 311 201
Dues from banks	8 961 787	8 961 787
Residents	7 758 964	7 758 964
up to 30 days	5 138 964	5 138 964
up to 180 days	2 550 000	2 550 000
more than 180 days	70 000	70 000
Non-residents	1 254 547	1 254 547
up to 30 days	4 761	4 761
up to 180 days	343 363	343 363
more than 180 days	906 423	906 423
Loans past-due	48	48
residents	48	48
Provision for impairment of loans to banks	-51 772	-51 772
Securities	51 477 685	51 477 685
Bonds	49 584 160	49 584 160
Federal Loan Bonds (OFZs), OBRs	17 399 750	17 399 750
Corporate bonds	17 653 698	17 653 698
Financial institutions bonds	2 749 377	2 749 377
Corporate foreign bonds	3 045 265	3 045 265
Valuation allowance	-244 121	-244 121
Pledged under REPO	9 048 983	9 048 983
Past-due	795 932	795 932
Provision for impairment of bonds	-864 724	-864 724
Stocks	1 893 525	1 893 525
Residents	839 499	839 499
Non-residents	144 505	144 505
Valuation allowance	909 521	909 521
Loans to corporate clients	90 488 975	90 488 975
residents	75 964 452	75 964 452
up to 30 days	1 093 319	1 093 319
up to 180 days	5 523 969	5 523 969
up to 1 year	19 314 987	19 314 987
up to 3 years	12 769 871	12 769 871
more than 3 years	37 262 306	37 262 306
non-residents	13 645 386	13 645 386
up to 180 days	1 041 199	1 041 199
up to 3 years	8 889 845	8 889 845
more than 3 years	3 714 342	3 714 342
state-owned enterprises	1 506 307	1 506 307
up to 3 years	1 506 307	1 506 307
Past-due	8 328 593	8 328 593
residents	8 327 374	8 327 374
non-residents	885	885
state-owned enterprises	334	334
Provision for impairment of corporate loans	-8 955 763	-8 955 763
residents	-8 710 509	-8 710 509
non-residents	-212 129	-212 129
state-owned enterprises	-33 125	-33 125
Loans to private entrepreneurs	1 463 852	1 463 852
up to 30 days	15 658	15 658
up to 180 days	23 467	23 467
up to 1 year	9 846	9 846
up to 3 years	148 911	148 911
more than 3 years	1 247 737	1 247 737
Past-due	192 274	192 274
Provision for impairment of loans to private entrepreneurs	-174 041	-174 041
Loans to individuals	39 918 902	39 918 902
Standard	40 580 351	40 580 351
up to 30 days	401 095	401 095
up to 180 days	3 000	3 000
up to 3 years	1 192 892	1 192 892
more than 3 years	38 983 364	38 983 364
Past-due	2 365 434	2 365 434
Past-due	2 365 434	2 365 434
Provision for impairment of loans to individuals	-3 026 883	-3 026 883
Other assets	29 241 799	29 241 799
Mandatory reserves with Central Bank	1 571 986	1 571 986
Premises and equipment	4 371 685	4 371 685
Purchase cost	6 250 853	6 250 853
Depreciation	-1 879 168	-1 879 168
Accrued interest not yet received	10 539 473	10 539 473
Factoring	1 436 760	1 436 760
Assets under management	1 007	1 007
Other assets	8 333 744	8 333 744
Investments in subsidiaries	-24 779	-24 779
Provision for impairment of other assets	-3 737 385	-3 737 385
Derivatives - assets	167 967	167 967
Deferred tax asset	6 581 341	6 581 341
LIABILITIES	212 939 391	212 939 391
Dues to banks	31 801 522	31 801 522
On demand	1 195 211	1 195 211
Residents	1 182 332	1 182 332
Non-residents	12 879	12 879
Term	30 603 834	30 603 834
Central Bank of Russia	2 624 824	2 624 824
more than 180 days	2 624 824	2 624 824
Residents	26 709 943	26 709 943
up to 30 days	23 012 014	23 012 014
up to 180 days	2 550 000	2 550 000
more than 180 days	1 147 929	1 147 929
Non-residents	1 269 067	1 269 067
more than 180 days	1 269 067	1 269 067
Other dues to banks	2 477	2 477
On demand	40 923 216	40 923 216
Corporate clients	27 167 862	27 167 862
State-owned enterprises	193 876	193 876
Residents	24 158 206	24 158 206
Non-residents	2 815 780	2 815 780
Individuals	12 957 784	12 957 784
Residents	12 498 981	12 498 981
Non-residents	458 803	458 803
Brokerage accounts	797 570	797 570
Residents	788 479	788 479
Non-residents	9 091	9 091
Term	124 503 977	124 503 977
Corporate clients	22 825 711	22 825 711
Residents	22 815 211	22 815 211
up to 30 days	1 923 578	1 923 578
up to 180 days	4 376 542	4 376 542
up to 1 year	10 273 833	10 273 833
up to 3 years	5 069 779	5 069 779
more than 3 years	1 171 479	1 171 479
State-owned enterprises	10 500	10 500
up to 1 year	10 500	10 500
Individuals	101 678 266	101 678 266
residents	101 410 815	101 410 815
up to 30 days	12	12
up to 180 days	3 045 170	3 045 170
up to 1 year	15 523 055	15 523 055
up to 3 years	81 660 121	81 660 121
more than 3 years	1 182 457	1 182 457
non-residents	267 451	267 451
up to 180 days	2 111	2 111
up to 1 year	85 020	85 020
up to 3 years	177 119	177 119
more than 3 years	3 201	3 201
Securities issued	7 719 682	7 719 682
Bonds	6 781 515	6 781 515
Promissory notes	938 165	938 165
on demand	301 822	301 822
up to 180 days	469 649	469 649
up to 1 year	111 931	111 931
up to 3 years	7 784	7 784
more than 3 years	46 979	46 979
Depositary certificates	2	2
up to 30 days	2	2
Other liabilities	7 990 994	7 990 994
Other liabilities	2 697 338	2 697 338
Accrued interest not yet paid	3 948 693	3 948 693
Derivatives - liabilities	26 309	26 309
Deferred tax liabilities	1 318 654	1 318 654
EQUITY	29 629 743	29 629 743
Capital	36 384 129	36 384 129
Profit from previous years	-9 804 632	-9 804 632
Retained earnings from previous years	-9 804 632	-9 804 632
Current year profit	3 050 246	3 050 246
Current year retained earnings	3 050 246	3 050 246
OFF-BALANCE SHEET	216 565 699	216 565 699
Unused credit limits available	2 500 000	2 500 000
Contingent liabilities	-72 166 316	-72 166 316
Guarantees issued	-17 238 120	-17 238 120
Unused credit limits opened	-36 213 064	-36 213 064
Unused guarantee limits	-18 715 132	-18 715 132
Collateral on loans	264 425 815	264 425 815
goods	263 554 966	263 554 966
securities	870 849	870 849
Unprocessed payments	24 952 473	24 952 473
Due to lack of funds on client accounts	24 952 473	24 952 473
Other off-balance sheet accounts	-3 146 273	-3 146 273
Written-off interest	-441 492	-441 492
Written-off loans to banks	-28	-28
Written-off loans	-2 704 753	-2 704 753
Reserve rates:
Loans to banks:	-0,57%	-100,0%
Customer loans, total:	-8,36%	-100,0%
including corporate loans:	-9,03%	-100,0%
including individual loans:	-7,05%	-100,0%
Past-due rate:	-7,56%	-100,0%
corporate clients:	-8,43%	-100,0%
individuals:	-5,51%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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