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

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Central Bank of Russia registration number: 415 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)

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	135 441 608	135 441 608
High liquid assets	11 222 963	11 222 963
Cash and equivalents	8 227 642	8 227 642
Cash	839 194	839 194
in cash and en route	560 260	560 260
in ATMs	278 934	278 934
Nostro account with Central Bank	7 388 448	7 388 448
Nostro accounts	2 850 974	2 850 974
Non-residents	2 652 966	2 652 966
Residents	198 008	198 008
Money in transfer	144 694	144 694
Provision for impairment of high-liquid assets	-347	-347
Interest-earning assets	120 423 125	120 423 125
Dues from banks	50 171 993	50 171 993
Central Bank of Russia	1 956 190	1 956 190
Residents	30 938 364	30 938 364
up to 30 days	15 938 364	15 938 364
up to 180 days	15 000 000	15 000 000
Non-residents	17 284 833	17 284 833
up to 30 days	17 277 051	17 277 051
more than 180 days	7 782	7 782
Provision for impairment of loans to banks	-7 394	-7 394
Securities	54 039 013	54 039 013
Bonds	54 039 013	54 039 013
Federal Loan Bonds (OFZs), OBRs	9 744 412	9 744 412
Corporate bonds	27 006 263	27 006 263
Financial institutions bonds	7 394 730	7 394 730
Corporate foreign bonds	10 409 629	10 409 629
Valuation allowance	-469 476	-469 476
Provision for impairment of bonds	-46 545	-46 545
Loans to corporate clients	10 672 303	10 672 303
residents	10 621 293	10 621 293
up to 30 days	59 315	59 315
up to 180 days	6 350 630	6 350 630
up to 1 year	289 844	289 844
up to 3 years	86 111	86 111
more than 3 years	3 835 393	3 835 393
non-residents	129 844	129 844
up to 30 days	129 844	129 844
Provision for impairment of corporate loans	-78 834	-78 834
residents	-78 834	-78 834
Loans to private entrepreneurs	790 812	790 812
up to 180 days	794 950	794 950
Provision for impairment of loans to private entrepreneurs	-4 138	-4 138
Loans to individuals	4 749 004	4 749 004
Standard	4 766 901	4 766 901
up to 30 days	5 868	5 868
up to 1 year	6 838	6 838
up to 3 years	132 941	132 941
more than 3 years	4 621 254	4 621 254
Past-due	14 166	14 166
Past-due	14 166	14 166
Provision for impairment of loans to individuals	-32 063	-32 063
Other assets	3 795 520	3 795 520
Mandatory reserves with Central Bank	1 225 984	1 225 984
Premises and equipment	588 905	588 905
Purchase cost	910 238	910 238
Depreciation	-321 333	-321 333
Accrued interest not yet received	243 166	243 166
Other assets	1 479 841	1 479 841
Provision for impairment of other assets	-52 754	-52 754
Deferred tax asset	310 378	310 378
LIABILITIES	109 776 243	109 776 243
Dues to banks	60 239	60 239
Term	48 400	48 400
Residents	48 400	48 400
more than 180 days	48 400	48 400
Other dues to banks	11 839	11 839
On demand	45 503 589	45 503 589
Corporate clients	21 412 087	21 412 087
State-owned enterprises	7	7
Residents	21 400 446	21 400 446
Non-residents	11 634	11 634
Individuals	24 091 414	24 091 414
Residents	23 892 025	23 892 025
Non-residents	199 389	199 389
Brokerage accounts	88	88
Residents	88	88
Term	63 443 713	63 443 713
Corporate clients	15 002 413	15 002 413
Residents	15 002 413	15 002 413
up to 30 days	5 017 525	5 017 525
up to 180 days	989 457	989 457
up to 1 year	8 904 361	8 904 361
up to 3 years	91 070	91 070
Individuals	48 441 300	48 441 300
residents	48 441 300	48 441 300
up to 180 days	2 373 657	2 373 657
up to 1 year	290 303	290 303
up to 3 years	37 961 729	37 961 729
more than 3 years	7 815 611	7 815 611
Securities issued	3 891	3 891
Promissory notes	3 891	3 891
on demand	3 891	3 891
Other liabilities	764 811	764 811
Other liabilities	316 156	316 156
Accrued interest not yet paid	94 033	94 033
Derivatives - liabilities	36 765	36 765
Deferred tax liabilities	317 857	317 857
EQUITY	25 665 365	25 665 365
Capital	16 217 229	16 217 229
Profit from previous years	9 240 389	9 240 389
Retained earnings from previous years	9 240 389	9 240 389
Current year profit	207 747	207 747
Current year retained earnings	207 747	207 747
OFF-BALANCE SHEET	9 090 122	9 090 122
Contingent liabilities	-3 289 981	-3 289 981
Guarantees issued	-650 650	-650 650
Unused credit limits opened	-2 378 619	-2 378 619
Unused guarantee limits	-260 712	-260 712
Collateral on loans	12 087 231	12 087 231
goods	6 174 823	6 174 823
securities	5 912 408	5 912 408
Unprocessed payments	296 730	296 730
Due to lack of funds on client accounts	296 730	296 730
Other off-balance sheet accounts	-3 858	-3 858
Written-off interest	-62	-62
Written-off loans	-3 796	-3 796
Credit card balances	5 868	5 868
Risk-weighted assets	82 900 221	82 900 221
Reserve rates:
Loans to banks:	-0,01%	-100,0%
Customer loans, total:	-0,67%	-100,0%
including corporate loans:	-0,72%	-100,0%
including individual loans:	-0,67%	-100,0%
Past-due rate:	-0,09%	-100,0%
corporate clients:	0,00%	-
individuals:	-0,30%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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