Kuap. Ru - Balance sheet of ЯР-БАНК, analysis of f.101

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	YAR-BANK	add to comparison
Central Bank of Russia registration number: 3185 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	22 610 011	22 610 011
High liquid assets	4 255 876	4 255 876
Cash and equivalents	549 044	549 044
Cash	128 165	128 165
in cash and en route	128 165	128 165
Nostro account with Central Bank	420 879	420 879
Nostro accounts	3 698 106	3 698 106
Non-residents	3 624 380	3 624 380
Residents	73 726	73 726
Money in transfer	8 853	8 853
Provision for impairment of high-liquid assets	-127	-127
Interest-earning assets	18 417 281	18 417 281
Dues from banks	74 381	74 381
Residents	5 112	5 112
up to 30 days	5 112	5 112
Non-residents	69 314	69 314
more than 180 days	69 314	69 314
Provision for impairment of loans to banks	-45	-45
Securities	641 798	641 798
Bonds	641 798	641 798
Federal Loan Bonds (OFZs), OBRs	319 337	319 337
Corporate bonds	267 337	267 337
Corporate foreign bonds	91 519	91 519
Valuation allowance	-36 395	-36 395
Loans to corporate clients	16 858 653	16 858 653
residents	17 714 687	17 714 687
up to 30 days	459 338	459 338
up to 180 days	5 471 394	5 471 394
up to 1 year	7 096 453	7 096 453
up to 3 years	1 819 426	1 819 426
more than 3 years	2 868 076	2 868 076
Past-due	1 675 847	1 675 847
residents	1 675 841	1 675 841
non-residents	6	6
Provision for impairment of corporate loans	-2 531 881	-2 531 881
residents	-2 531 849	-2 531 849
non-residents	-3	-3
state-owned enterprises	-29	-29
Loans to private entrepreneurs	54	54
Past-due	111	111
Provision for impairment of loans to private entrepreneurs	-57	-57
Loans to individuals	842 395	842 395
Standard	1 151 110	1 151 110
up to 30 days	13 547	13 547
up to 1 year	803	803
up to 3 years	16 910	16 910
more than 3 years	1 119 850	1 119 850
Past-due	494 919	494 919
Past-due	494 919	494 919
Provision for impairment of loans to individuals	-803 634	-803 634
Other assets	-63 146	-63 146
Mandatory reserves with Central Bank	121 648	121 648
Premises and equipment	504 567	504 567
Purchase cost	740 908	740 908
Depreciation	-236 341	-236 341
Accrued interest not yet received	225 723	225 723
Other assets	-834 028	-834 028
Provision for impairment of other assets	-81 056	-81 056
LIABILITIES	15 080 221	15 080 221
Dues to banks	2 500 173	2 500 173
Term	2 500 000	2 500 000
Residents	2 500 000	2 500 000
up to 180 days	300 000	300 000
more than 180 days	2 200 000	2 200 000
Other dues to banks	173	173
On demand	4 539 362	4 539 362
Corporate clients	3 841 709	3 841 709
Residents	1 784 092	1 784 092
Non-residents	2 057 617	2 057 617
Individuals	697 649	697 649
Residents	620 388	620 388
Non-residents	77 261	77 261
Brokerage accounts	4	4
Residents	4	4
Term	7 427 013	7 427 013
Corporate clients	1 869 099	1 869 099
Residents	300 023	300 023
up to 30 days	33 000	33 000
up to 180 days	68 000	68 000
up to 3 years	199 023	199 023
Non-residents	1 569 076	1 569 076
up to 180 days	1 569 076	1 569 076
Individuals	5 557 914	5 557 914
residents	5 489 079	5 489 079
up to 1 year	844 107	844 107
up to 3 years	4 644 972	4 644 972
non-residents	68 835	68 835
up to 1 year	29 352	29 352
up to 3 years	39 483	39 483
Other liabilities	613 673	613 673
Other liabilities	199 458	199 458
Accrued interest not yet paid	414 215	414 215
EQUITY	7 529 789	7 529 789
Capital	11 635 338	11 635 338
Profit from previous years	-4 167 890	-4 167 890
Retained earnings from previous years	-4 167 890	-4 167 890
Current year profit	62 341	62 341
Current year retained earnings	62 341	62 341
OFF-BALANCE SHEET	15 669 960	15 669 960
Unused credit limits available	2 000 000	2 000 000
Contingent liabilities	-13 635 505	-13 635 505
Guarantees issued	-9 156 760	-9 156 760
Unused credit limits opened	-4 353 134	-4 353 134
Unused guarantee limits	-125 611	-125 611
Collateral on loans	26 482 924	26 482 924
goods	26 146 245	26 146 245
securities	336 679	336 679
Unprocessed payments	1 092 589	1 092 589
Due to lack of funds on client accounts	1 092 589	1 092 589
Other off-balance sheet accounts	-270 048	-270 048
Written-off interest	-38 338	-38 338
Written-off loans	-231 710	-231 710
Credit card balances	13 547	13 547
Risk-weighted assets	31 179 439	31 179 439
Reserve rates:
Loans to banks:	-0,06%	-100,0%
Customer loans, total:	-15,86%	-100,0%
including corporate loans:	-13,06%	-100,0%
including individual loans:	-48,82%	-100,0%
Past-due rate:	-10,32%	-100,0%
corporate clients:	-8,64%	-100,0%
individuals:	-30,07%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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