Kuap. Ru - Balance sheet of ФИНАНСОВЫЙ СТАНДАРТ, analysis of f.101

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	FINANSOVIY STANDART	add to comparison
Central Bank of Russia registration number: 1053 foreign shareholders, 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	8 036 430	8 036 430
High liquid assets	54 470	54 470
Cash and equivalents	30 243	30 243
Cash	26 545	26 545
in cash and en route	26 524	26 524
in ATMs	21	21
Nostro account with Central Bank	3 698	3 698
Nostro accounts	18 223	18 223
Non-residents	2 658	2 658
Residents	15 565	15 565
Money in transfer	6 934	6 934
Exchange accounts	17	17
Provision for impairment of high-liquid assets	-947	-947
Interest-earning assets	7 402 740	7 402 740
Dues from banks	14 109	14 109
Residents	14 138	14 138
up to 30 days	13 935	13 935
more than 180 days	203	203
Provision for impairment of loans to banks	-29	-29
Securities	439 838	439 838
Bonds	5 190	5 190
Corporate bonds	10 379	10 379
Provision for impairment of bonds	-5 189	-5 189
Promissory notes	255 685	255 685
Corporate	389 287	389 287
Provision for impairment of promissory notes	-133 602	-133 602
Stocks	178 963	178 963
Residents	180 771	180 771
Provision for impairment of stocks	-1 808	-1 808
Loans to corporate clients	6 165 992	6 165 992
residents	9 880 692	9 880 692
up to 30 days	18	18
up to 180 days	73 183	73 183
up to 1 year	2 645 041	2 645 041
up to 3 years	6 930 167	6 930 167
more than 3 years	232 283	232 283
state-owned enterprises	12 652	12 652
up to 3 years	12 652	12 652
Past-due	285 398	285 398
residents	285 398	285 398
Provision for impairment of corporate loans	-4 012 750	-4 012 750
residents	-4 012 623	-4 012 623
state-owned enterprises	-127	-127
Loans to private entrepreneurs	69 794	69 794
up to 1 year	134 753	134 753
up to 3 years	60 654	60 654
Past-due	3 766	3 766
Provision for impairment of loans to private entrepreneurs	-129 379	-129 379
Loans to individuals	713 007	713 007
Standard	710 103	710 103
up to 30 days	18 840	18 840
up to 1 year	17 221	17 221
up to 3 years	45 489	45 489
more than 3 years	628 553	628 553
Past-due	30 359	30 359
Past-due	30 359	30 359
Provision for impairment of loans to individuals	-27 455	-27 455
Other assets	579 220	579 220
Mandatory reserves with Central Bank	113 315	113 315
Premises and equipment	59 110	59 110
Purchase cost	85 213	85 213
Depreciation	-26 103	-26 103
Accrued interest not yet received	93 601	93 601
Factoring	1 581	1 581
Other assets	422 176	422 176
Provision for impairment of other assets	-113 231	-113 231
Derivatives - assets	2 668	2 668
LIABILITIES	9 519 016	9 519 016
Dues to banks	18	18
On demand	18	18
Non-residents	18	18
On demand	392 241	392 241
Corporate clients	120 196	120 196
State-owned enterprises	3 618	3 618
Residents	113 418	113 418
Non-residents	3 160	3 160
Individuals	272 013	272 013
Residents	261 451	261 451
Non-residents	10 562	10 562
Brokerage accounts	32	32
Residents	32	32
Term	7 730 324	7 730 324
Corporate clients	472 754	472 754
Residents	32 754	32 754
up to 180 days	3 168	3 168
up to 1 year	666	666
up to 3 years	21 327	21 327
more than 3 years	7 593	7 593
Non-residents	440 000	440 000
more than 3 years	440 000	440 000
Individuals	7 257 570	7 257 570
residents	7 234 789	7 234 789
up to 30 days	3	3
up to 180 days	55	55
up to 1 year	234 978	234 978
up to 3 years	6 999 748	6 999 748
more than 3 years	5	5
non-residents	22 781	22 781
up to 180 days	1	1
up to 1 year	468	468
up to 3 years	22 312	22 312
Securities issued	82 393	82 393
Promissory notes	82 393	82 393
on demand	81 393	81 393
more than 3 years	1 000	1 000
Other liabilities	1 314 040	1 314 040
Other liabilities	128 511	128 511
Accrued interest not yet paid	127 484	127 484
Liabilities past-due	1 027 831	1 027 831
Derivatives - liabilities	26 028	26 028
Deferred tax liabilities	4 186	4 186
EQUITY	-1 482 587	-1 482 587
Capital	401 443	401 443
Profit from previous years	844 376	844 376
Retained earnings from previous years	844 376	844 376
Current year profit	-2 723 866	-2 723 866
Current year retained earnings	-2 723 866	-2 723 866
Future expenses	-4 540	-4 540
OFF-BALANCE SHEET	5 689 842	5 689 842
Contingent liabilities	-817 673	-817 673
Guarantees issued	-780 787	-780 787
Unused credit limits opened	-30 913	-30 913
Unused guarantee limits	-5 973	-5 973
Collateral on loans	4 235 773	4 235 773
goods	4 123 705	4 123 705
securities	112 068	112 068
Unprocessed payments	2 230 421	2 230 421
Due to lack of funds in bank	1 649 701	1 649 701
Due to lack of funds on client accounts	580 720	580 720
Other off-balance sheet accounts	41 321	41 321
Accrued interest not yet received	47 528	47 528
Written-off loans	-6 207	-6 207
Credit card balances	18 840	18 840
Reserve rates:
Loans to banks:	-0,21%	-100,0%
Customer loans, total:	-37,27%	-100,0%
including corporate loans:	-39,91%	-100,0%
including individual loans:	-3,71%	-100,0%
Past-due rate:	-2,87%	-100,0%
corporate clients:	-2,79%	-100,0%
individuals:	-4,10%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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