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

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	ERGOBANK	add to comparison
Central Bank of Russia registration number: 2856 retail funding

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	3 451 767	3 451 767
High liquid assets	111 856	111 856
Cash and equivalents	33 892	33 892
Cash	28 487	28 487
in cash and en route	28 417	28 417
in ATMs	70	70
Nostro account with Central Bank	5 405	5 405
Nostro accounts	12 275	12 275
Non-residents	1 374	1 374
Residents	10 901	10 901
Money in transfer	31 546	31 546
Exchange accounts	34 160	34 160
Provision for impairment of high-liquid assets	-17	-17
Interest-earning assets	1 734 546	1 734 546
Dues from banks	14 584	14 584
Non-residents	14 584	14 584
more than 180 days	14 584	14 584
Residents	10	10
Provision for impairment of stocks	-10	-10
Loans to corporate clients	902 128	902 128
residents	1 146 844	1 146 844
up to 1 year	477 865	477 865
up to 3 years	450 529	450 529
more than 3 years	218 450	218 450
Past-due	27 803	27 803
residents	27 803	27 803
Provision for impairment of corporate loans	-272 519	-272 519
residents	-272 519	-272 519
Loans to individuals	817 834	817 834
Standard	951 613	951 613
up to 1 year	84 022	84 022
up to 3 years	409 265	409 265
more than 3 years	458 326	458 326
Past-due	231 900	231 900
Past-due	231 900	231 900
Provision for impairment of loans to individuals	-365 679	-365 679
Other assets	1 605 365	1 605 365
Mandatory reserves with Central Bank	30 595	30 595
Premises and equipment	343 353	343 353
Purchase cost	484 991	484 991
Depreciation	-141 638	-141 638
Accrued interest not yet received	15 358	15 358
Factoring	234	234
Non-current assets	266 549	266 549
Other assets	1 123 727	1 123 727
Provision for impairment of other assets	-174 451	-174 451
LIABILITIES	3 358 441	3 358 441
On demand	588 903	588 903
Corporate clients	13 796	13 796
Residents	13 796	13 796
Individuals	569 624	569 624
Residents	564 647	564 647
Non-residents	4 977	4 977
Brokerage accounts	5 483	5 483
Residents	5 483	5 483
Term	2 632 391	2 632 391
Corporate clients	300	300
Residents	300	300
up to 1 year	300	300
Individuals	2 632 091	2 632 091
residents	2 614 788	2 614 788
up to 180 days	75 295	75 295
up to 1 year	1 532 752	1 532 752
up to 3 years	985 294	985 294
more than 3 years	21 447	21 447
non-residents	17 303	17 303
up to 180 days	3 850	3 850
up to 1 year	3 729	3 729
up to 3 years	9 724	9 724
Other liabilities	137 147	137 147
Other liabilities	1 405	1 405
Accrued interest not yet paid	32 715	32 715
Liabilities past-due	32 946	32 946
Deferred tax liabilities	70 081	70 081
EQUITY	93 326	93 326
Capital	648 295	648 295
Profit from previous years	34 427	34 427
Retained earnings from previous years	34 427	34 427
Current year profit	-579 851	-579 851
Current year retained earnings	-579 851	-579 851
Future expenses	-9 545	-9 545
OFF-BALANCE SHEET	3 083 335	3 083 335
Contingent liabilities	-50 851	-50 851
Guarantees issued	-33 659	-33 659
Unused credit limits opened	-17 192	-17 192
Collateral on loans	2 947 121	2 947 121
goods	2 459 617	2 459 617
securities	487 504	487 504
Unprocessed payments	165 066	165 066
Due to lack of funds in bank	32 946	32 946
Due to lack of funds on client accounts	132 120	132 120
Other off-balance sheet accounts	21 999	21 999
Accrued interest not yet received	21 999	21 999
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-27,06%	-100,0%
including corporate loans:	-23,20%	-100,0%
including individual loans:	-30,90%	-100,0%
Past-due rate:	-11,01%	-100,0%
corporate clients:	-2,37%	-100,0%
individuals:	-19,59%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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