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

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	RIAL-KREDIT	add to comparison
Central Bank of Russia registration number: 3393

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	1 198 215	1 198 215
High liquid assets	403 879	403 879
Cash and equivalents	223 798	223 798
Cash	203 611	203 611
in cash and en route	202 115	202 115
precious metals	1 496	1 496
Nostro account with Central Bank	20 187	20 187
Nostro accounts	79 764	79 764
Residents	79 764	79 764
Money in transfer	13 088	13 088
Exchange accounts	87 229	87 229
Interest-earning assets	431 194	431 194
Dues from banks	288 000	288 000
Central Bank of Russia	288 000	288 000
Loans to corporate clients	114 921	114 921
residents	121 586	121 586
up to 30 days	1 645	1 645
up to 180 days	1 807	1 807
up to 1 year	397	397
up to 3 years	90 550	90 550
more than 3 years	27 187	27 187
Past-due	42 235	42 235
residents	42 235	42 235
Provision for impairment of corporate loans	-48 900	-48 900
residents	-48 900	-48 900
Loans to individuals	28 273	28 273
Standard	41 636	41 636
up to 3 years	2 467	2 467
more than 3 years	39 169	39 169
Memo: mortgage loans	14 200	14 200
Past-due	11 179	11 179
Past-due	11 179	11 179
Memo: mortgage loans past-due	272	272
Provision for impairment of loans to individuals	-24 542	-24 542
Other assets	363 142	363 142
Mandatory reserves with Central Bank	4 724	4 724
Premises and equipment	271 772	271 772
Purchase cost	289 621	289 621
Depreciation	-17 849	-17 849
Accrued interest not yet received	109	109
Other assets	100 017	100 017
Provision for impairment of other assets	-26 269	-26 269
Deferred tax asset	12 789	12 789
LIABILITIES	899 534	899 534
On demand	642 668	642 668
Corporate clients	642 668	642 668
Residents	548 020	548 020
Non-residents	94 648	94 648
Term	246 488	246 488
Corporate clients	246 073	246 073
Residents	246 073	246 073
up to 1 year	3 000	3 000
up to 3 years	179 073	179 073
more than 3 years	64 000	64 000
Individuals	415	415
residents	410	410
up to 180 days	126	126
up to 1 year	169	169
up to 3 years	91	91
more than 3 years	24	24
non-residents	5	5
up to 3 years	5	5
Other liabilities	10 378	10 378
Other liabilities	10 378	10 378
EQUITY	298 681	298 681
Capital	153 815	153 815
Profit from previous years	111 382	111 382
Retained earnings from previous years	111 382	111 382
Current year profit	34 044	34 044
Current year retained earnings	34 044	34 044
Future expenses	-560	-560
OFF-BALANCE SHEET	759 472	759 472
Unused credit limits available	250 000	250 000
Contingent liabilities	-5 298	-5 298
Unused credit limits opened	-5 298	-5 298
Collateral on loans	323 957	323 957
goods	323 957	323 957
Unprocessed payments	177 204	177 204
Due to lack of funds on client accounts	177 204	177 204
Other off-balance sheet accounts	13 609	13 609
Accrued interest not yet received	13 668	13 668
Written-off loans	-59	-59
Risk-weighted assets	1 101 002	1 101 002
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-33,90%	-100,0%
including corporate loans:	-29,85%	-100,0%
including individual loans:	-46,47%	-100,0%
Past-due rate:	-24,66%	-100,0%
corporate clients:	-25,78%	-100,0%
individuals:	-21,17%	-100,0%
o/w mortgages:	-1,92%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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