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

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	CETELEM BANK	add to comparison
Central Bank of Russia registration number: 2168 state-controlled, retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	177 072 644	177 072 644
High liquid assets	1 014 646	1 014 646
Cash and equivalents	839 177	839 177
Cash	60 533	60 533
in cash and en route	60 533	60 533
Nostro account with Central Bank	778 644	778 644
Nostro accounts	6 688	6 688
Residents	6 688	6 688
Money in transfer	168 781	168 781
Interest-earning assets	164 906 495	164 906 495
Dues from banks	1 729 988	1 729 988
Residents	1 730 000	1 730 000
up to 30 days	1 730 000	1 730 000
Provision for impairment of loans to banks	-12	-12
Loans to corporate clients	27 021	27 021
residents	28 795	28 795
up to 1 year	100	100
more than 3 years	28 695	28 695
Past-due	78	78
residents	78	78
Provision for impairment of corporate loans	-1 852	-1 852
residents	-15 289	-15 289
state-owned enterprises	13 437	13 437
Loans to individuals	163 149 486	163 149 486
Standard	163 625 069	163 625 069
up to 30 days	18 136	18 136
up to 180 days	253	253
up to 1 year	82 923	82 923
up to 3 years	7 189 351	7 189 351
more than 3 years	156 334 406	156 334 406
Past-due	11 015 927	11 015 927
Past-due	11 015 927	11 015 927
Provision for impairment of loans to individuals	-11 491 510	-11 491 510
Other assets	11 151 503	11 151 503
Mandatory reserves with Central Bank	49 619	49 619
Premises and equipment	1 293 574	1 293 574
Purchase cost	3 688 704	3 688 704
Depreciation	-2 395 130	-2 395 130
Accrued interest not yet received	1 216 503	1 216 503
Other assets	9 048 542	9 048 542
Provision for impairment of other assets	-456 735	-456 735
LIABILITIES	145 235 127	145 235 127
Dues to banks	136 005 943	136 005 943
Term	136 000 000	136 000 000
Residents	136 000 000	136 000 000
more than 180 days	136 000 000	136 000 000
Other dues to banks	5 943	5 943
On demand	5 322 926	5 322 926
Corporate clients	754 005	754 005
Residents	754 005	754 005
Individuals	4 568 921	4 568 921
Residents	4 568 921	4 568 921
Other liabilities	3 906 258	3 906 258
Other liabilities	2 670 381	2 670 381
Accrued interest not yet paid	259 906	259 906
Deferred tax liabilities	975 971	975 971
EQUITY	31 837 517	31 837 517
Capital	18 347 414	18 347 414
Profit from previous years	13 208 759	13 208 759
Retained earnings from previous years	13 208 759	13 208 759
Current year profit	281 344	281 344
Current year retained earnings	281 344	281 344
OFF-BALANCE SHEET	401 630 399	401 630 399
Unused credit limits available	198 000 000	198 000 000
Contingent liabilities	-11 136 850	-11 136 850
Unused credit limits opened	-11 136 850	-11 136 850
Collateral on loans	215 018 603	215 018 603
goods	215 018 603	215 018 603
Unprocessed payments	3	3
Due to lack of funds on client accounts	3	3
Other off-balance sheet accounts	-251 357	-251 357
Written-off interest	-90 662	-90 662
Written-off loans	-160 695	-160 695
Credit card balances	18 136	18 136
Risk-weighted assets	189 016 423	189 016 423
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-6,58%	-100,0%
including corporate loans:	-6,41%	-100,0%
including individual loans:	-6,58%	-100,0%
Past-due rate:	-6,31%	-100,0%
corporate clients:	-0,27%	-100,0%
individuals:	-6,31%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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