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

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	ZAPSIBKOMBANK	add to comparison
Central Bank of Russia registration number: 918 retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	23 646 440	23 646 440
High liquid assets	15 998 948	15 998 948
Cash and equivalents	102 438	102 438
Cash	102 438	102 438
in cash and en route	102 438	102 438
Nostro accounts	15 895 720	15 895 720
Residents	15 895 720	15 895 720
Money in transfer	790	790
Interest-earning assets	5 406 546	5 406 546
Dues from banks	2 042 035	2 042 035
Residents	2 000 000	2 000 000
more than 180 days	2 000 000	2 000 000
Non-residents	42 035	42 035
up to 30 days	42 035	42 035
Securities	1 522 020	1 522 020
Bonds	1 522 020	1 522 020
Federal Loan Bonds (OFZs), OBRs	1 549 170	1 549 170
Valuation allowance	-27 150	-27 150
Loans to corporate clients	963 112	963 112
residents	565 857	565 857
up to 1 year	93 805	93 805
up to 3 years	289 922	289 922
more than 3 years	182 130	182 130
state-owned enterprises	555 700	555 700
more than 3 years	555 700	555 700
Past-due	1 027 711	1 027 711
residents	1 027 711	1 027 711
Provision for impairment of corporate loans	-1 186 156	-1 186 156
residents	-1 180 043	-1 180 043
state-owned enterprises	-6 113	-6 113
Loans to private entrepreneurs	155 117	155 117
up to 3 years	51 249	51 249
more than 3 years	109 361	109 361
Past-due	64 412	64 412
Provision for impairment of loans to private entrepreneurs	-69 905	-69 905
Loans to individuals	724 262	724 262
Standard	853 772	853 772
up to 3 years	188	188
more than 3 years	853 584	853 584
Past-due	109 949	109 949
Past-due	109 949	109 949
Provision for impairment of loans to individuals	-239 459	-239 459
Other assets	2 240 946	2 240 946
Mandatory reserves with Central Bank	52 556	52 556
Premises and equipment	1 863 305	1 863 305
Purchase cost	2 354 909	2 354 909
Depreciation	-491 604	-491 604
Accrued interest not yet received	68 300	68 300
Other assets	372 822	372 822
Provision for impairment of other assets	-116 037	-116 037
LIABILITIES	2 850 272	2 850 272
On demand	1 353 419	1 353 419
Corporate clients	274 286	274 286
Residents	274 161	274 161
Non-residents	125	125
Individuals	1 079 133	1 079 133
Residents	1 061 856	1 061 856
Non-residents	17 277	17 277
Term	994 552	994 552
Corporate clients	46 073	46 073
Residents	46 073	46 073
up to 3 years	33 071	33 071
more than 3 years	13 002	13 002
Individuals	948 479	948 479
residents	948 205	948 205
up to 3 years	948 205	948 205
non-residents	274	274
up to 3 years	274	274
Other liabilities	502 301	502 301
Other liabilities	224 124	224 124
Accrued interest not yet paid	9 955	9 955
Deferred tax liabilities	268 222	268 222
EQUITY	20 796 167	20 796 167
Capital	3 341 999	3 341 999
Profit from previous years	17 454 168	17 454 168
Retained earnings from previous years	17 454 168	17 454 168
OFF-BALANCE SHEET	3 823 078	3 823 078
Contingent liabilities	-696 906	-696 906
Guarantees issued	-696 549	-696 549
Unused credit limits opened	-357	-357
Collateral on loans	4 796 487	4 796 487
goods	4 743 848	4 743 848
securities	52 639	52 639
Unprocessed payments	36 196	36 196
Due to lack of funds on client accounts	36 196	36 196
Other off-balance sheet accounts	-312 699	-312 699
Written-off interest	-24 547	-24 547
Written-off loans	-288 152	-288 152
Risk-weighted assets	25 854 359	25 854 359
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-42,81%	-100,0%
including corporate loans:	-52,90%	-100,0%
including individual loans:	-24,85%	-100,0%
Past-due rate:	-36,01%	-100,0%
corporate clients:	-46,00%	-100,0%
individuals:	-11,41%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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