Kuap. Ru - Balance sheet of ЙОШКАР-ОЛА, analysis of f.101

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	YOSHKAR-OLA	add to comparison
Central Bank of Russia registration number: 2802

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	2 280 288	2 280 288
High liquid assets	294 711	294 711
Cash and equivalents	269 316	269 316
Cash	156 084	156 084
in cash and en route	138 387	138 387
in ATMs	17 697	17 697
Nostro account with Central Bank	113 232	113 232
Nostro accounts	25 728	25 728
Residents	25 728	25 728
Money in transfer	1 491	1 491
Provision for impairment of high-liquid assets	-1 824	-1 824
Interest-earning assets	1 861 803	1 861 803
Dues from banks	1 000 000	1 000 000
Central Bank of Russia	480 000	480 000
Residents	520 000	520 000
up to 30 days	520 000	520 000
Loans past-due	130 507	130 507
residents	130 507	130 507
Provision for impairment of loans to banks	-130 507	-130 507
Loans to corporate clients	728 994	728 994
residents	339 375	339 375
up to 30 days	34 448	34 448
up to 1 year	157 276	157 276
up to 3 years	137 241	137 241
more than 3 years	10 410	10 410
state-owned enterprises	381 798	381 798
up to 180 days	13 913	13 913
up to 1 year	325 185	325 185
up to 3 years	42 700	42 700
Past-due	148 004	148 004
residents	148 000	148 000
state-owned enterprises	4	4
Provision for impairment of corporate loans	-140 183	-140 183
residents	-139 994	-139 994
state-owned enterprises	-189	-189
Loans to private entrepreneurs	71 623	71 623
up to 30 days	475	475
up to 1 year	4 729	4 729
up to 3 years	22 301	22 301
more than 3 years	45 980	45 980
Past-due	32	32
Provision for impairment of loans to private entrepreneurs	-1 894	-1 894
Loans to individuals	61 186	61 186
Standard	63 392	63 392
up to 1 year	457	457
up to 3 years	19 262	19 262
more than 3 years	43 673	43 673
Past-due	1 767	1 767
Past-due	1 767	1 767
Provision for impairment of loans to individuals	-3 973	-3 973
Other assets	123 774	123 774
Mandatory reserves with Central Bank	2 998	2 998
Premises and equipment	118 347	118 347
Purchase cost	203 887	203 887
Depreciation	-85 540	-85 540
Accrued interest not yet received	2 779	2 779
Other assets	28 439	28 439
Provision for impairment of other assets	-28 789	-28 789
LIABILITIES	1 937 841	1 937 841
Dues to banks	23	23
On demand	23	23
Residents	23	23
On demand	818 858	818 858
Corporate clients	526 127	526 127
State-owned enterprises	33 851	33 851
Residents	492 276	492 276
Individuals	292 693	292 693
Residents	292 671	292 671
Non-residents	22	22
Brokerage accounts	38	38
Residents	38	38
Term	1 038 578	1 038 578
Corporate clients	31 000	31 000
Residents	31 000	31 000
up to 180 days	31 000	31 000
Individuals	1 007 578	1 007 578
residents	1 007 578	1 007 578
up to 180 days	72 814	72 814
up to 1 year	241 338	241 338
up to 3 years	690 284	690 284
more than 3 years	3 142	3 142
Other liabilities	80 382	80 382
Other liabilities	64 102	64 102
Accrued interest not yet paid	15 230	15 230
Deferred tax liabilities	1 050	1 050
EQUITY	342 448	342 448
Capital	115 824	115 824
Profit from previous years	225 610	225 610
Retained earnings from previous years	225 610	225 610
Current year profit	1 014	1 014
Current year retained earnings	1 014	1 014
OFF-BALANCE SHEET	849 144	849 144
Contingent liabilities	-304 084	-304 084
Guarantees issued	-2 364	-2 364
Unused credit limits opened	-301 720	-301 720
Collateral on loans	792 688	792 688
goods	792 688	792 688
Unprocessed payments	360 620	360 620
Due to lack of funds on client accounts	360 620	360 620
Other off-balance sheet accounts	-80	-80
Written-off loans	-80	-80
Risk-weighted assets	1 175 360	1 175 360
Reserve rates:
Loans to banks:	-11,54%	-100,0%
Customer loans, total:	-13,53%	-100,0%
including corporate loans:	-15,07%	-100,0%
including individual loans:	-6,10%	-100,0%
Past-due rate:	-14,86%	-100,0%
corporate clients:	-15,70%	-100,0%
individuals:	-2,71%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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