Kuap. Ru - Balance sheet of ИНВЕСТКАПИТАЛБАНК, analysis of f.101

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	INVESTKAPITALBANK	add to comparison
Central Bank of Russia registration number: 2377 retail lending, under US sanctions

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	14 076 436	14 076 436
High liquid assets	1 014 185	1 014 185
Cash and equivalents	804 460	804 460
Cash	509 972	509 972
in cash and en route	420 012	420 012
in ATMs	89 960	89 960
Nostro account with Central Bank	294 488	294 488
Nostro accounts	198 657	198 657
Residents	198 657	198 657
Money in transfer	11 068	11 068
Interest-earning assets	12 248 491	12 248 491
Dues from banks	1 626 200	1 626 200
Residents	1 626 200	1 626 200
up to 30 days	1 626 200	1 626 200
Securities	2 084 967	2 084 967
Bonds	2 084 967	2 084 967
Federal Loan Bonds (OFZs), OBRs	377 960	377 960
Corporate bonds	453 363	453 363
Corporate foreign bonds	1 120 176	1 120 176
Pledged under REPO	133 468	133 468
Loans to corporate clients	3 133 371	3 133 371
residents	3 111 790	3 111 790
up to 30 days	38 154	38 154
up to 180 days	346 904	346 904
up to 1 year	424 921	424 921
up to 3 years	900 330	900 330
more than 3 years	1 401 481	1 401 481
state-owned enterprises	43 910	43 910
up to 3 years	43 910	43 910
Past-due	314 175	314 175
residents	299 293	299 293
state-owned enterprises	14 882	14 882
Provision for impairment of corporate loans	-336 504	-336 504
residents	-325 975	-325 975
state-owned enterprises	-10 529	-10 529
Loans to private entrepreneurs	88 151	88 151
up to 180 days	1 000	1 000
up to 1 year	1 300	1 300
up to 3 years	26 058	26 058
more than 3 years	53 967	53 967
Past-due	20 222	20 222
Provision for impairment of loans to private entrepreneurs	-14 396	-14 396
Loans to individuals	5 315 802	5 315 802
Standard	5 289 717	5 289 717
up to 30 days	1 472 580	1 472 580
up to 1 year	4 855	4 855
up to 3 years	908 736	908 736
more than 3 years	2 903 546	2 903 546
Past-due	1 359 841	1 359 841
Past-due	1 359 841	1 359 841
Provision for impairment of loans to individuals	-1 333 756	-1 333 756
Other assets	813 760	813 760
Mandatory reserves with Central Bank	151 783	151 783
Premises and equipment	290 599	290 599
Purchase cost	486 227	486 227
Depreciation	-195 628	-195 628
Accrued interest not yet received	48 270	48 270
Non-current assets	177 821	177 821
Other assets	276 589	276 589
Provision for impairment of other assets	-215 769	-215 769
Deferred tax asset	84 467	84 467
LIABILITIES	12 695 490	12 695 490
Dues to banks	675 411	675 411
On demand	7 052	7 052
Residents	7 052	7 052
Term	668 359	668 359
Residents	668 359	668 359
up to 30 days	101 034	101 034
more than 180 days	567 325	567 325
On demand	1 377 978	1 377 978
Corporate clients	979 255	979 255
State-owned enterprises	8 632	8 632
Residents	970 622	970 622
Non-residents	1	1
Individuals	398 723	398 723
Residents	398 424	398 424
Non-residents	299	299
Term	10 169 271	10 169 271
Corporate clients	848 924	848 924
Residents	239 632	239 632
up to 180 days	132 846	132 846
up to 1 year	59 586	59 586
up to 3 years	7 200	7 200
more than 3 years	40 000	40 000
Non-residents	544 000	544 000
more than 3 years	544 000	544 000
State-owned enterprises	65 292	65 292
up to 1 year	65 292	65 292
Individuals	9 320 347	9 320 347
residents	9 310 215	9 310 215
up to 180 days	2 708 905	2 708 905
up to 1 year	1 419 357	1 419 357
up to 3 years	559 145	559 145
more than 3 years	4 622 808	4 622 808
non-residents	10 132	10 132
up to 180 days	2 477	2 477
up to 1 year	520	520
more than 3 years	7 135	7 135
Securities issued	256 243	256 243
Promissory notes	251 243	251 243
on demand	20 098	20 098
up to 30 days	1 516	1 516
up to 180 days	149 629	149 629
up to 1 year	80 000	80 000
Depositary certificates	5 000	5 000
more than 180 days	5 000	5 000
Other liabilities	216 587	216 587
Other liabilities	21 826	21 826
Accrued interest not yet paid	175 795	175 795
Derivatives - liabilities	793	793
Deferred tax liabilities	18 173	18 173
EQUITY	1 380 946	1 380 946
Capital	706 342	706 342
Profit from previous years	625 194	625 194
Retained earnings from previous years	625 194	625 194
Current year profit	52 171	52 171
Current year retained earnings	52 171	52 171
Future expenses	-2 761	-2 761
OFF-BALANCE SHEET	7 816 679	7 816 679
Unused credit limits available	18 460	18 460
Contingent liabilities	-1 235 398	-1 235 398
Guarantees issued	-193 483	-193 483
Unused credit limits opened	-1 041 915	-1 041 915
Collateral on loans	7 832 019	7 832 019
goods	7 105 798	7 105 798
securities	726 221	726 221
Unprocessed payments	1 029 074	1 029 074
Due to lack of funds on client accounts	1 029 074	1 029 074
Other off-balance sheet accounts	172 524	172 524
Accrued interest not yet received	206 974	206 974
Written-off interest	-899	-899
Written-off loans to banks	-30 000	-30 000
Written-off loans	-3 551	-3 551
Credit card balances	1 472 580	1 472 580
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-16,34%	-100,0%
including corporate loans:	-9,82%	-100,0%
including individual loans:	-20,06%	-100,0%
Past-due rate:	-16,57%	-100,0%
corporate clients:	-9,36%	-100,0%
individuals:	-20,45%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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