Kuap. Ru - Balance sheet of РУССКИЙ СТАНДАРТ, analysis of f.101

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Central Bank of Russia registration number: 2289 retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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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	236 651 161	236 651 161
High liquid assets	12 836 909	12 836 909
Cash and equivalents	6 622 312	6 622 312
Cash	3 675 522	3 675 522
in cash and en route	2 850 704	2 850 704
in ATMs	824 818	824 818
Nostro account with Central Bank	2 946 790	2 946 790
Nostro accounts	3 925 673	3 925 673
Non-residents	3 625 260	3 625 260
Residents	300 413	300 413
Money in transfer	2 371 337	2 371 337
Provision for impairment of high-liquid assets	-82 413	-82 413
Interest-earning assets	180 845 082	180 845 082
Dues from banks	1 682 761	1 682 761
Residents	800 000	800 000
up to 30 days	800 000	800 000
Non-residents	882 761	882 761
up to 30 days	882 761	882 761
Securities	86 619 807	86 619 807
Bonds	85 828 807	85 828 807
Federal Loan Bonds (OFZs), OBRs	26 206 921	26 206 921
Pledged under REPO	59 644 787	59 644 787
Provision for impairment of bonds	-22 901	-22 901
Stocks	791 000	791 000
Residents	1 182 950	1 182 950
Valuation allowance	-391 950	-391 950
Loans to corporate clients	4 017 846	4 017 846
residents	627 140	627 140
up to 30 days	263	263
up to 180 days	60	60
up to 1 year	1 587	1 587
up to 3 years	11 071	11 071
more than 3 years	614 159	614 159
non-residents	4 931 753	4 931 753
up to 30 days	1 122 273	1 122 273
more than 3 years	3 809 480	3 809 480
Past-due	10 557 286	10 557 286
residents	5 671 130	5 671 130
non-residents	4 886 156	4 886 156
Provision for impairment of corporate loans	-12 098 333	-12 098 333
residents	-5 267 321	-5 267 321
non-residents	-6 831 012	-6 831 012
Loans to private entrepreneurs	5 683	5 683
up to 30 days	213	213
up to 3 years	8 002	8 002
Past-due	13 572	13 572
Provision for impairment of loans to private entrepreneurs	-16 104	-16 104
Loans to individuals	88 518 985	88 518 985
Standard	88 417 136	88 417 136
up to 30 days	82 094 641	82 094 641
up to 180 days	8 043	8 043
up to 1 year	23 721	23 721
up to 3 years	576 292	576 292
more than 3 years	5 714 439	5 714 439
Past-due	63 085 065	63 085 065
Past-due	63 085 065	63 085 065
Provision for impairment of loans to individuals	-62 983 216	-62 983 216
Other assets	42 969 170	42 969 170
Mandatory reserves with Central Bank	1 073 091	1 073 091
Premises and equipment	8 860 709	8 860 709
Purchase cost	18 527 849	18 527 849
Depreciation	-9 667 140	-9 667 140
Accrued interest not yet received	2 091 079	2 091 079
Other assets	31 583 945	31 583 945
Investments in subsidiaries	9 929 194	9 929 194
Provision for impairment of other assets	-30 811 656	-30 811 656
Derivatives - assets	90 108	90 108
Deferred tax asset	20 152 700	20 152 700
LIABILITIES	200 331 822	200 331 822
Dues to banks	46 331 125	46 331 125
On demand	123 026	123 026
Residents	122 532	122 532
Non-residents	494	494
Term	46 208 099	46 208 099
Central Bank of Russia	5 068 969	5 068 969
other	5 068 969	5 068 969
Residents	41 138 445	41 138 445
up to 30 days	28 628 417	28 628 417
up to 180 days	12 510 028	12 510 028
Non-residents	685	685
up to 30 days	685	685
On demand	18 422 761	18 422 761
Corporate clients	3 502 255	3 502 255
State-owned enterprises	364	364
Residents	3 483 988	3 483 988
Non-residents	17 903	17 903
Individuals	14 920 470	14 920 470
Residents	13 647 867	13 647 867
Non-residents	1 272 603	1 272 603
Brokerage accounts	36	36
Residents	36	36
Term	118 946 794	118 946 794
Corporate clients	4 501	4 501
Residents	952	952
up to 1 year	952	952
Non-residents	3 549	3 549
more than 3 years	3 549	3 549
Individuals	118 942 293	118 942 293
residents	118 773 124	118 773 124
up to 180 days	9 478 478	9 478 478
up to 1 year	54 696 465	54 696 465
up to 3 years	54 598 181	54 598 181
non-residents	169 169	169 169
up to 180 days	13 819	13 819
up to 1 year	129 361	129 361
up to 3 years	25 989	25 989
Other liabilities	16 631 142	16 631 142
Other liabilities	8 203 070	8 203 070
Accrued interest not yet paid	1 460 646	1 460 646
Derivatives - liabilities	10 962	10 962
Deferred tax liabilities	6 956 464	6 956 464
EQUITY	36 319 339	36 319 339
Capital	8 183 714	8 183 714
Profit from previous years	27 706 313	27 706 313
Retained earnings from previous years	27 706 313	27 706 313
Current year profit	429 312	429 312
Current year retained earnings	429 312	429 312
OFF-BALANCE SHEET	-28 469 571	-28 469 571
Unused credit limits available	16 132	16 132
Contingent liabilities	-4 125 131	-4 125 131
Guarantees issued	-2 543 067	-2 543 067
Unused credit limits opened	-1 582 064	-1 582 064
Collateral on loans	11 768 133	11 768 133
goods	7 494 761	7 494 761
securities	4 273 372	4 273 372
Unprocessed payments	55 611	55 611
Due to lack of funds on client accounts	55 611	55 611
Other off-balance sheet accounts	-36 184 316	-36 184 316
Written-off interest	-4 192 170	-4 192 170
Written-off loans	-31 992 146	-31 992 146
Credit card balances	82 094 641	82 094 641
Risk-weighted assets	307 193 861	307 193 861
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-44,80%	-100,0%
including corporate loans:	-75,07%	-100,0%
including individual loans:	-41,57%	-100,0%
Past-due rate:	-43,94%	-100,0%
corporate clients:	-65,50%	-100,0%
individuals:	-41,64%	-100,0%