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

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	NIZHNEVOLZHSKIY KOMMERCHESKIY BANK	add to comparison
Central Bank of Russia registration number: 931 retail funding, complies with 214-FZ (equity construction)

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	10 641 165	10 641 165
High liquid assets	277 458	277 458
Cash and equivalents	179 937	179 937
Cash	134 891	134 891
in cash and en route	129 961	129 961
in ATMs	4 930	4 930
Nostro account with Central Bank	45 046	45 046
Nostro accounts	94 464	94 464
Residents	94 464	94 464
Money in transfer	5 131	5 131
Provision for impairment of high-liquid assets	-2 074	-2 074
Interest-earning assets	8 878 916	8 878 916
Dues from banks	1 255 735	1 255 735
Central Bank of Russia	1 252 390	1 252 390
Residents	3 345	3 345
up to 30 days	3 345	3 345
Securities	76 770	76 770
Promissory notes	76 770	76 770
Corporate	77 475	77 475
Provision for impairment of promissory notes	-705	-705
Loans to corporate clients	7 442 271	7 442 271
residents	9 203 108	9 203 108
up to 30 days	1 797	1 797
up to 180 days	323 814	323 814
up to 1 year	2 400 156	2 400 156
up to 3 years	3 098 480	3 098 480
more than 3 years	3 378 861	3 378 861
Past-due	247 026	247 026
residents	247 026	247 026
Provision for impairment of corporate loans	-2 007 863	-2 007 863
residents	-2 007 907	-2 007 907
state-owned enterprises	44	44
Loans to private entrepreneurs	32 847	32 847
up to 30 days	473	473
up to 180 days	9 600	9 600
up to 1 year	14 000	14 000
up to 3 years	5 000	5 000
more than 3 years	8 222	8 222
Provision for impairment of loans to private entrepreneurs	-4 448	-4 448
Loans to individuals	71 293	71 293
Standard	92 759	92 759
up to 30 days	40	40
up to 3 years	8 996	8 996
more than 3 years	83 723	83 723
Past-due	43 560	43 560
Past-due	43 560	43 560
Provision for impairment of loans to individuals	-65 026	-65 026
Other assets	1 484 791	1 484 791
Mandatory reserves with Central Bank	393 335	393 335
Premises and equipment	536 806	536 806
Purchase cost	657 073	657 073
Depreciation	-120 267	-120 267
Accrued interest not yet received	588 785	588 785
Other assets	470 321	470 321
Provision for impairment of other assets	-518 408	-518 408
Deferred tax asset	13 952	13 952
LIABILITIES	9 704 017	9 704 017
On demand	489 788	489 788
Corporate clients	405 475	405 475
State-owned enterprises	2 966	2 966
Residents	402 509	402 509
Individuals	84 313	84 313
Residents	83 940	83 940
Non-residents	373	373
Term	9 015 429	9 015 429
Corporate clients	334 550	334 550
Residents	334 550	334 550
up to 30 days	10 550	10 550
up to 180 days	4 000	4 000
more than 3 years	320 000	320 000
Individuals	8 680 879	8 680 879
residents	8 671 602	8 671 602
up to 180 days	4	4
up to 1 year	3 510 233	3 510 233
up to 3 years	5 129 602	5 129 602
more than 3 years	31 763	31 763
non-residents	9 277	9 277
up to 1 year	1 537	1 537
up to 3 years	4 806	4 806
more than 3 years	2 934	2 934
Other liabilities	198 800	198 800
Other liabilities	31 057	31 057
Accrued interest not yet paid	153 791	153 791
Deferred tax liabilities	13 952	13 952
EQUITY	937 148	937 148
Capital	697 889	697 889
Profit from previous years	484 893	484 893
Retained earnings from previous years	484 893	484 893
Current year profit	-245 634	-245 634
Current year retained earnings	-245 634	-245 634
OFF-BALANCE SHEET	8 739 492	8 739 492
Contingent liabilities	-608 223	-608 223
Guarantees issued	-445 649	-445 649
Unused credit limits opened	-162 574	-162 574
Collateral on loans	5 816 994	5 816 994
goods	5 816 994	5 816 994
Unprocessed payments	3 534 000	3 534 000
Due to lack of funds on client accounts	3 534 000	3 534 000
Other off-balance sheet accounts	-3 279	-3 279
Written-off interest	-1 944	-1 944
Written-off loans	-1 335	-1 335
Credit card balances	40	40
Risk-weighted assets	10 535 178	10 535 178
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-21,51%	-100,0%
including corporate loans:	-21,21%	-100,0%
including individual loans:	-47,70%	-100,0%
Past-due rate:	-3,02%	-100,0%
corporate clients:	-2,60%	-100,0%
individuals:	-31,95%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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