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

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	RATIBOR-BANK	add to comparison
Central Bank of Russia registration number: 2174

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	509 528	509 528
High liquid assets	2 489	2 489
Cash and equivalents	1 953	1 953
Cash	85	85
in cash and en route	85	85
Nostro account with Central Bank	1 868	1 868
Nostro accounts	425	425
Residents	425	425
Money in transfer	111	111
Interest-earning assets	480 717	480 717
Dues from banks	1 887	1 887
Residents	1 887	1 887
up to 30 days	1 887	1 887
Securities	66 559	66 559
Promissory notes	66 559	66 559
Corporate	84 252	84 252
Provision for impairment of promissory notes	-17 693	-17 693
Loans to corporate clients	451 089	451 089
residents	417 581	417 581
up to 30 days	79 754	79 754
up to 180 days	11 000	11 000
up to 1 year	326 827	326 827
Past-due	108 530	108 530
residents	108 530	108 530
Provision for impairment of corporate loans	-75 022	-75 022
residents	-75 022	-75 022
Loans to individuals	862	862
Standard	1 037	1 037
up to 30 days	485	485
up to 1 year	428	428
up to 3 years	59	59
more than 3 years	65	65
Past-due	176	176
Past-due	176	176
Provision for impairment of loans to individuals	-351	-351
Provision for impairment of loans past-due	-39 680	-39 680
Other assets	26 322	26 322
Mandatory reserves with Central Bank	15 455	15 455
Premises and equipment	7 765	7 765
Purchase cost	10 516	10 516
Depreciation	-2 751	-2 751
Accrued interest not yet received	1 135	1 135
Other assets	2 935	2 935
Provision for impairment of other assets	-968	-968
LIABILITIES	416 935	416 935
On demand	243 906	243 906
Corporate clients	210 807	210 807
State-owned enterprises	10 266	10 266
Residents	200 537	200 537
Non-residents	4	4
Individuals	33 099	33 099
Residents	33 096	33 096
Non-residents	3	3
Term	70 546	70 546
Corporate clients	32 542	32 542
Residents	1 659	1 659
up to 1 year	9	9
up to 3 years	1 650	1 650
State-owned enterprises	30 883	30 883
more than 3 years	30 883	30 883
Individuals	38 004	38 004
residents	38 004	38 004
up to 30 days	47	47
up to 180 days	27 732	27 732
up to 1 year	8 083	8 083
up to 3 years	2 142	2 142
Securities issued	28 720	28 720
Promissory notes	28 720	28 720
up to 180 days	12 000	12 000
more than 180 days	16 720	16 720
Other liabilities	73 763	73 763
Other liabilities	3 333	3 333
Accrued interest not yet paid	1 240	1 240
Liabilities past-due	69 190	69 190
EQUITY	92 593	92 593
Capital	80 976	80 976
Profit from previous years	28 440	28 440
Retained earnings from previous years	28 440	28 440
Current year profit	-16 833	-16 833
Current year retained earnings	-16 833	-16 833
Future expenses	10	10
OFF-BALANCE SHEET	326 775	326 775
Contingent liabilities	-4 258	-4 258
Guarantees issued	-3 782	-3 782
Unused credit limits opened	-476	-476
Collateral on loans	331 171	331 171
goods	331 171	331 171
Other off-balance sheet accounts	-138	-138
Accrued interest not yet received	2 068	2 068
Written-off interest	-260	-260
Written-off loans to banks	-841	-841
Written-off loans	-1 105	-1 105
Credit card balances	485	485
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-21,82%	-100,0%
including corporate loans:	-15,42%	-100,0%
including individual loans:	-28,94%	-100,0%
Past-due rate:	-22,29%	-100,0%
corporate clients:	-22,31%	-100,0%
individuals:	-14,51%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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