Kuap. Ru - Balance sheet of КУБАНЬТОРГБАНК, analysis of f.101

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	KUBANTORGBANK	add to comparison
Central Bank of Russia registration number: 478 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	3 630 025	3 630 025
High liquid assets	319 205	319 205
Cash and equivalents	299 273	299 273
Cash	214 806	214 806
in cash and en route	213 510	213 510
in ATMs	1 296	1 296
Nostro account with Central Bank	84 467	84 467
Nostro accounts	19 339	19 339
Residents	19 339	19 339
Money in transfer	593	593
Interest-earning assets	3 211 441	3 211 441
Dues from banks	502 634	502 634
Central Bank of Russia	200 000	200 000
Residents	302 634	302 634
up to 30 days	302 634	302 634
Securities	540 136	540 136
Bonds	540 136	540 136
Federal Loan Bonds (OFZs), OBRs	181 179	181 179
Corporate bonds	142 975	142 975
Financial institutions bonds	226 012	226 012
Valuation allowance	-10 030	-10 030
Loans to corporate clients	873 442	873 442
residents	883 846	883 846
up to 30 days	83 508	83 508
up to 1 year	230 302	230 302
up to 3 years	374 607	374 607
more than 3 years	195 429	195 429
Past-due	35 181	35 181
residents	35 181	35 181
Provision for impairment of corporate loans	-45 585	-45 585
residents	-44 711	-44 711
state-owned enterprises	-874	-874
Loans to private entrepreneurs	1 018 736	1 018 736
up to 3 years	53 104	53 104
more than 3 years	965 642	965 642
Past-due	136	136
Provision for impairment of loans to private entrepreneurs	-146	-146
Loans to individuals	276 493	276 493
Standard	273 588	273 588
up to 3 years	5 625	5 625
more than 3 years	267 963	267 963
Past-due	78 852	78 852
Past-due	78 852	78 852
Provision for impairment of loans to individuals	-75 947	-75 947
Other assets	99 379	99 379
Mandatory reserves with Central Bank	14 668	14 668
Premises and equipment	67 571	67 571
Purchase cost	138 176	138 176
Depreciation	-70 605	-70 605
Accrued interest not yet received	15 607	15 607
Other assets	6 722	6 722
Provision for impairment of other assets	-5 189	-5 189
LIABILITIES	2 318 431	2 318 431
On demand	429 615	429 615
Corporate clients	284 735	284 735
Residents	284 734	284 734
Non-residents	1	1
Individuals	144 880	144 880
Residents	144 880	144 880
Term	1 802 296	1 802 296
Corporate clients	265 532	265 532
Residents	265 532	265 532
up to 180 days	20 000	20 000
up to 1 year	65 532	65 532
more than 3 years	180 000	180 000
Individuals	1 536 764	1 536 764
residents	1 536 764	1 536 764
up to 180 days	72 448	72 448
up to 1 year	1 366 274	1 366 274
up to 3 years	98 042	98 042
Other liabilities	86 520	86 520
Other liabilities	68 725	68 725
Accrued interest not yet paid	941	941
Deferred tax liabilities	16 854	16 854
EQUITY	1 311 593	1 311 593
Capital	354 778	354 778
Profit from previous years	949 878	949 878
Retained earnings from previous years	949 878	949 878
Current year profit	6 937	6 937
Current year retained earnings	6 937	6 937
OFF-BALANCE SHEET	3 839 416	3 839 416
Contingent liabilities	-229 750	-229 750
Unused credit limits opened	-229 750	-229 750
Collateral on loans	4 079 610	4 079 610
goods	4 079 610	4 079 610
Unprocessed payments	3 843	3 843
Due to lack of funds on client accounts	3 843	3 843
Other off-balance sheet accounts	-14 287	-14 287
Written-off interest	-3 319	-3 319
Written-off loans	-10 968	-10 968
Risk-weighted assets	3 505 013	3 505 013
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-3,68%	-100,0%
including corporate loans:	-2,36%	-100,0%
including individual loans:	-21,55%	-100,0%
Past-due rate:	-4,98%	-100,0%
corporate clients:	-1,82%	-100,0%
individuals:	-22,37%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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