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

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	BFG-KREDIT	add to comparison
Central Bank of Russia registration number: 3068 CB RF representative

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	43 913 751	43 913 751
High liquid assets	691 478	691 478
Cash and equivalents	618 898	618 898
Cash	379 584	379 584
in cash and en route	379 584	379 584
Nostro account with Central Bank	239 314	239 314
Nostro accounts	188 930	188 930
Non-residents	216	216
Residents	188 714	188 714
Money in transfer	2 757	2 757
Provision for impairment of high-liquid assets	-119 107	-119 107
Interest-earning assets	41 864 837	41 864 837
Dues from banks	16 929	16 929
Residents	16 929	16 929
up to 30 days	16 929	16 929
Non-residents	572 253	572 253
up to 30 days	572 253	572 253
Provision for impairment of loans to banks	-572 253	-572 253
Securities	146 590	146 590
Bonds	146 590	146 590
Federal Loan Bonds (OFZs), OBRs	14 417	14 417
Corporate bonds	46 757	46 757
Financial institutions bonds	23 755	23 755
Corporate foreign bonds	6 330	6 330
Foreign financial institutions bonds	103 975	103 975
Valuation allowance	-48 644	-48 644
Loans to corporate clients	41 440 806	41 440 806
residents	46 565 265	46 565 265
up to 30 days	3 149	3 149
up to 180 days	247 000	247 000
up to 1 year	26 084 696	26 084 696
up to 3 years	7 301 251	7 301 251
more than 3 years	12 929 169	12 929 169
Past-due	8 355 582	8 355 582
residents	8 075 789	8 075 789
non-residents	70 296	70 296
state-owned enterprises	209 497	209 497
Provision for impairment of corporate loans	-13 480 041	-13 480 041
residents	-13 379 250	-13 379 250
non-residents	-25 323	-25 323
state-owned enterprises	-75 468	-75 468
Loans to private entrepreneurs	372	372
up to 30 days	85	85
up to 3 years	363	363
Provision for impairment of loans to private entrepreneurs	-76	-76
Loans to individuals	260 140	260 140
Standard	98 194	98 194
up to 30 days	14 761	14 761
up to 180 days	42	42
up to 1 year	14 089	14 089
up to 3 years	48 928	48 928
more than 3 years	20 374	20 374
Past-due	290 292	290 292
Past-due	290 292	290 292
Provision for impairment of loans to individuals	-128 346	-128 346
Other assets	1 357 436	1 357 436
Mandatory reserves with Central Bank	299 255	299 255
Premises and equipment	1 191 721	1 191 721
Purchase cost	1 422 608	1 422 608
Depreciation	-230 887	-230 887
Accrued interest not yet received	447 900	447 900
Other assets	761 123	761 123
Provision for impairment of other assets	-1 419 446	-1 419 446
Deferred tax asset	76 883	76 883
LIABILITIES	45 847 613	45 847 613
Dues to banks	23	23
Other dues to banks	23	23
On demand	7 507 040	7 507 040
Corporate clients	7 117 778	7 117 778
State-owned enterprises	3 896 494	3 896 494
Residents	3 164 615	3 164 615
Non-residents	56 669	56 669
Individuals	389 262	389 262
Residents	371 613	371 613
Non-residents	17 649	17 649
Term	9 691 372	9 691 372
Corporate clients	7 216 932	7 216 932
Residents	305 895	305 895
up to 180 days	69 536	69 536
up to 1 year	121 125	121 125
up to 3 years	113 784	113 784
more than 3 years	1 450	1 450
Non-residents	3 461 037	3 461 037
more than 3 years	3 461 037	3 461 037
State-owned enterprises	3 450 000	3 450 000
up to 180 days	3 450 000	3 450 000
Individuals	2 474 440	2 474 440
residents	2 395 958	2 395 958
up to 180 days	53 232	53 232
up to 1 year	725 750	725 750
up to 3 years	1 232 011	1 232 011
more than 3 years	384 965	384 965
non-residents	78 482	78 482
up to 1 year	3 221	3 221
up to 3 years	72 883	72 883
more than 3 years	2 378	2 378
Securities issued	1 885 459	1 885 459
Promissory notes	1 885 459	1 885 459
up to 180 days	1 036 202	1 036 202
up to 1 year	86 194	86 194
up to 3 years	972 556	972 556
more than 3 years	953	953
Discount accrued	-210 446	-210 446
Other liabilities	26 763 719	26 763 719
Other liabilities	20 449 398	20 449 398
Accrued interest not yet paid	471 712	471 712
Liabilities past-due	5 699 026	5 699 026
Deferred tax liabilities	143 583	143 583
EQUITY	-1 933 862	-1 933 862
Capital	6 349 900	6 349 900
Current year profit	-8 293 930	-8 293 930
Current year retained earnings	-8 293 930	-8 293 930
Future expenses	10 168	10 168
OFF-BALANCE SHEET	30 271 225	30 271 225
Unused credit limits available	300 000	300 000
Contingent liabilities	-15 094 916	-15 094 916
Guarantees issued	-14 655 568	-14 655 568
Unused credit limits opened	-112 152	-112 152
Unused guarantee limits	-327 196	-327 196
Collateral on loans	38 978 414	38 978 414
goods	37 950 125	37 950 125
securities	1 028 289	1 028 289
Unprocessed payments	5 986 212	5 986 212
Due to lack of funds in bank	5 394 899	5 394 899
Due to lack of funds on client accounts	591 313	591 313
Other off-balance sheet accounts	101 515	101 515
Accrued interest not yet received	605 757	605 757
Written-off interest	-120 698	-120 698
Written-off loans	-383 544	-383 544
Credit card balances	14 761	14 761
Risk-weighted assets	75 159 903	75 159 903
Reserve rates:
Loans to banks:	-97,13%	-100,0%
Customer loans, total:	-24,60%	-100,0%
including corporate loans:	-24,54%	-100,0%
including individual loans:	-33,04%	-100,0%
Past-due rate:	-15,63%	-100,0%
corporate clients:	-15,21%	-100,0%
individuals:	-74,72%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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