Kuap. Ru - Balance sheet of СЕВЕРНЫЙ КРЕДИТ, analysis of f.101

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	SEVERNIY KREDIT	add to comparison
Central Bank of Russia registration number: 2398 complies with 214-FZ (equity construction)

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	6 926 810	6 926 810
High liquid assets	1 280 668	1 280 668
Cash and equivalents	1 090 726	1 090 726
Cash	919 259	919 259
in cash and en route	482 594	482 594
in ATMs	436 665	436 665
Nostro account with Central Bank	171 467	171 467
Nostro accounts	131 661	131 661
Residents	131 661	131 661
Money in transfer	23 283	23 283
Exchange accounts	35 951	35 951
Provision for impairment of high-liquid assets	-953	-953
Interest-earning assets	3 922 337	3 922 337
Dues from banks	171 666	171 666
Central Bank of Russia	160 000	160 000
Residents	11 666	11 666
up to 30 days	11 666	11 666
Securities	553 522	553 522
Bonds	472 297	472 297
Federal Loan Bonds (OFZs), OBRs	440 497	440 497
Financial institutions bonds	28 796	28 796
Valuation allowance	11 857	11 857
Past-due	535	535
Provision for impairment of bonds	-9 388	-9 388
Promissory notes	10 885	10 885
Corporate	6 527	6 527
Banks	5 778	5 778
Provision for impairment of promissory notes	-1 420	-1 420
Stocks	70 340	70 340
Residents	70 500	70 500
Provision for impairment of stocks	-160	-160
Loans to corporate clients	2 602 827	2 602 827
residents	3 136 050	3 136 050
up to 30 days	73 446	73 446
up to 180 days	297 987	297 987
up to 1 year	1 158 748	1 158 748
up to 3 years	1 271 100	1 271 100
more than 3 years	334 769	334 769
state-owned enterprises	654	654
up to 3 years	245	245
more than 3 years	409	409
Past-due	113 932	113 932
residents	113 932	113 932
Provision for impairment of corporate loans	-647 809	-647 809
residents	-647 802	-647 802
state-owned enterprises	-7	-7
Loans to private entrepreneurs	22 448	22 448
up to 30 days	9 652	9 652
up to 180 days	2 000	2 000
up to 1 year	1 250	1 250
up to 3 years	8 643	8 643
Past-due	2 278	2 278
Provision for impairment of loans to private entrepreneurs	-1 375	-1 375
Loans to individuals	571 874	571 874
Standard	586 718	586 718
up to 30 days	10 598	10 598
up to 180 days	2 161	2 161
up to 1 year	9 453	9 453
up to 3 years	340 839	340 839
more than 3 years	223 667	223 667
Memo: mortgage loans	42 173	42 173
Past-due	83 123	83 123
Past-due	83 123	83 123
Memo: mortgage loans past-due	173	173
Provision for impairment of loans to individuals	-97 967	-97 967
Other assets	1 723 805	1 723 805
Mandatory reserves with Central Bank	48 349	48 349
Premises and equipment	648 006	648 006
Purchase cost	857 351	857 351
Depreciation	-209 345	-209 345
Accrued interest not yet received	94 329	94 329
Factoring	102 098	102 098
Other assets	920 940	920 940
Provision for impairment of other assets	-110 421	-110 421
Derivatives - assets	20 504	20 504
LIABILITIES	6 213 949	6 213 949
Dues to banks	137	137
Other dues to banks	137	137
On demand	1 659 147	1 659 147
Corporate clients	935 426	935 426
State-owned enterprises	32 614	32 614
Residents	902 700	902 700
Non-residents	112	112
Individuals	723 721	723 721
Residents	719 371	719 371
Non-residents	4 350	4 350
Term	4 244 881	4 244 881
Corporate clients	355 129	355 129
Residents	355 129	355 129
up to 30 days	79 590	79 590
up to 180 days	98 239	98 239
up to 1 year	10	10
up to 3 years	77 290	77 290
more than 3 years	100 000	100 000
Individuals	3 889 752	3 889 752
residents	3 875 234	3 875 234
up to 180 days	38 640	38 640
up to 1 year	935 087	935 087
up to 3 years	2 405 377	2 405 377
more than 3 years	496 130	496 130
non-residents	14 518	14 518
up to 180 days	200	200
up to 1 year	141	141
up to 3 years	7 632	7 632
more than 3 years	6 545	6 545
Securities issued	14 532	14 532
Promissory notes	14 532	14 532
up to 3 years	14 532	14 532
Other liabilities	295 252	295 252
Other liabilities	219 782	219 782
Accrued interest not yet paid	42 285	42 285
Deferred tax liabilities	33 185	33 185
EQUITY	712 860	712 860
Capital	935 764	935 764
Profit from previous years	6 913	6 913
Retained earnings from previous years	6 913	6 913
Current year profit	-224 669	-224 669
Current year retained earnings	-224 669	-224 669
Future expenses	-5 148	-5 148
OFF-BALANCE SHEET	7 677 128	7 677 128
Contingent liabilities	-441 511	-441 511
Guarantees issued	-293 467	-293 467
Unused credit limits opened	-148 044	-148 044
Collateral on loans	3 940 558	3 940 558
goods	3 733 153	3 733 153
securities	207 405	207 405
Unprocessed payments	4 065 022	4 065 022
Due to lack of funds on client accounts	4 065 022	4 065 022
Other off-balance sheet accounts	113 059	113 059
Accrued interest not yet received	124 500	124 500
Written-off interest	-1 142	-1 142
Written-off loans	-10 299	-10 299
Credit card balances	10 598	10 598
Risk-weighted assets	7 186 177	7 186 177
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-18,84%	-100,0%
including corporate loans:	-19,83%	-100,0%
including individual loans:	-14,63%	-100,0%
Past-due rate:	-5,05%	-100,0%
corporate clients:	-3,55%	-100,0%
individuals:	-12,41%	-100,0%
o/w mortgages:	-0,41%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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