Kuap. Ru - Balance sheet of БАНК РАСЧЕТОВ И СБЕРЕЖЕНИЙ, analysis of f.101

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	BANK RASCHETOV I SBEREZHENIY	add to comparison
Central Bank of Russia registration number: 2617

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	6 734 327	6 734 327
High liquid assets	803 077	803 077
Cash and equivalents	530 606	530 606
Cash	467 740	467 740
in cash and en route	292 092	292 092
in ATMs	175 648	175 648
Nostro account with Central Bank	62 866	62 866
Nostro accounts	216 569	216 569
Non-residents	5 082	5 082
Residents	211 487	211 487
Money in transfer	55 430	55 430
Exchange accounts	796	796
Provision for impairment of high-liquid assets	-324	-324
Interest-earning assets	5 592 630	5 592 630
Dues from banks	122 440	122 440
Residents	122 440	122 440
up to 30 days	78 021	78 021
up to 180 days	44 419	44 419
Securities	4 173 199	4 173 199
Bonds	3 999 787	3 999 787
Federal Loan Bonds (OFZs), OBRs	421 314	421 314
Financial institutions bonds	228 833	228 833
Corporate foreign bonds	314 852	314 852
Valuation allowance	596	596
Pledged under REPO	3 034 192	3 034 192
Promissory notes	173 412	173 412
Banks	173 412	173 412
Loans to corporate clients	1 103 223	1 103 223
residents	1 195 212	1 195 212
up to 30 days	81 162	81 162
up to 180 days	10 439	10 439
up to 1 year	234 650	234 650
up to 3 years	417 067	417 067
more than 3 years	451 894	451 894
Past-due	187 944	187 944
residents	187 944	187 944
Provision for impairment of corporate loans	-279 933	-279 933
residents	-279 933	-279 933
Loans to private entrepreneurs	15 695	15 695
up to 3 years	7 429	7 429
more than 3 years	5 085	5 085
Past-due	36 000	36 000
Provision for impairment of loans to private entrepreneurs	-32 819	-32 819
Loans to individuals	178 073	178 073
Standard	205 243	205 243
up to 30 days	608	608
up to 180 days	95	95
up to 1 year	11 032	11 032
up to 3 years	15 671	15 671
more than 3 years	177 837	177 837
Past-due	2 201	2 201
Past-due	2 201	2 201
Provision for impairment of loans to individuals	-29 371	-29 371
Other assets	338 620	338 620
Mandatory reserves with Central Bank	27 266	27 266
Premises and equipment	85 554	85 554
Purchase cost	152 057	152 057
Depreciation	-66 503	-66 503
Accrued interest not yet received	4 258	4 258
Other assets	310 460	310 460
Provision for impairment of other assets	-88 918	-88 918
LIABILITIES	5 177 193	5 177 193
Dues to banks	2 803 830	2 803 830
On demand	268	268
Residents	261	261
Non-residents	7	7
Term	2 803 562	2 803 562
Central Bank of Russia	2 803 562	2 803 562
other	2 803 562	2 803 562
On demand	1 222 036	1 222 036
Corporate clients	1 081 323	1 081 323
State-owned enterprises	6 625	6 625
Residents	1 074 199	1 074 199
Non-residents	499	499
Individuals	140 713	140 713
Residents	134 335	134 335
Non-residents	6 378	6 378
Term	496 490	496 490
Corporate clients	390 814	390 814
Residents	378 814	378 814
up to 30 days	48 347	48 347
up to 180 days	59 700	59 700
up to 1 year	34 221	34 221
up to 3 years	91 496	91 496
more than 3 years	145 050	145 050
Non-residents	12 000	12 000
up to 3 years	12 000	12 000
Individuals	105 676	105 676
residents	105 668	105 668
up to 30 days	4	4
up to 180 days	9 231	9 231
up to 1 year	10 800	10 800
up to 3 years	62 406	62 406
more than 3 years	23 227	23 227
non-residents	8	8
up to 1 year	8	8
Securities issued	582 189	582 189
Promissory notes	308 151	308 151
on demand	69 395	69 395
up to 180 days	210	210
up to 1 year	175 260	175 260
up to 3 years	56 336	56 336
more than 3 years	6 950	6 950
Depositary certificates	274 038	274 038
up to 30 days	1 665	1 665
more than 180 days	272 373	272 373
Other liabilities	72 648	72 648
Other liabilities	17 549	17 549
Accrued interest not yet paid	54 404	54 404
Deferred tax liabilities	695	695
EQUITY	1 557 134	1 557 134
Capital	1 130 286	1 130 286
Profit from previous years	521 583	521 583
Retained earnings from previous years	521 583	521 583
Current year profit	-81 097	-81 097
Current year retained earnings	-81 097	-81 097
Future expenses	-13 638	-13 638
OFF-BALANCE SHEET	3 114 024	3 114 024
Unused credit limits available	150 000	150 000
Contingent liabilities	-676 183	-676 183
Guarantees issued	-439 336	-439 336
Unused credit limits opened	-80 692	-80 692
Unused guarantee limits	-156 155	-156 155
Collateral on loans	2 662 234	2 662 234
goods	2 375 579	2 375 579
securities	286 655	286 655
Unprocessed payments	923 799	923 799
Due to lack of funds on client accounts	923 799	923 799
Other off-balance sheet accounts	54 174	54 174
Accrued interest not yet received	54 282	54 282
Written-off loans	-108	-108
Credit card balances	608	608
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-20,67%	-100,0%
including corporate loans:	-21,85%	-100,0%
including individual loans:	-14,16%	-100,0%
Past-due rate:	-13,80%	-100,0%
corporate clients:	-15,64%	-100,0%
individuals:	-1,06%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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