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

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	INVESTRASTBANK	add to comparison
Central Bank of Russia registration number: 3128 retail lending

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	4 915 375	4 915 375
High liquid assets	479 745	479 745
Cash and equivalents	383 936	383 936
Cash	334 313	334 313
in cash and en route	240 680	240 680
in ATMs	93 633	93 633
Nostro account with Central Bank	49 623	49 623
Nostro accounts	48 866	48 866
Residents	48 866	48 866
Money in transfer	41 718	41 718
Exchange accounts	14 171	14 171
Provision for impairment of high-liquid assets	-8 946	-8 946
Interest-earning assets	3 879 896	3 879 896
Dues from banks	1 126	1 126
Residents	1 325	1 325
up to 30 days	1 325	1 325
Provision for impairment of loans to banks	-199	-199
Securities	320 124	320 124
Bonds	250 949	250 949
Federal Loan Bonds (OFZs), OBRs	250 495	250 495
Financial institutions bonds	13	13
Valuation allowance	441	441
Promissory notes	69 175	69 175
Banks	69 175	69 175
Loans to corporate clients	2 332 538	2 332 538
residents	2 490 241	2 490 241
up to 180 days	48 510	48 510
up to 1 year	2 441 731	2 441 731
Provision for impairment of corporate loans	-157 703	-157 703
residents	-157 703	-157 703
Loans to individuals	1 226 108	1 226 108
Standard	1 336 527	1 336 527
up to 30 days	385 856	385 856
up to 1 year	23 560	23 560
up to 3 years	200 325	200 325
more than 3 years	726 786	726 786
Past-due	300 654	300 654
Past-due	300 654	300 654
Provision for impairment of loans to individuals	-411 073	-411 073
Other assets	555 734	555 734
Mandatory reserves with Central Bank	140 217	140 217
Premises and equipment	22 834	22 834
Purchase cost	50 109	50 109
Depreciation	-27 275	-27 275
Accrued interest not yet received	15 237	15 237
Other assets	435 442	435 442
Provision for impairment of other assets	-73 390	-73 390
Deferred tax asset	15 394	15 394
LIABILITIES	4 526 064	4 526 064
Dues to banks	4 204	4 204
On demand	4 204	4 204
Residents	4 204	4 204
On demand	280 590	280 590
Corporate clients	112 521	112 521
State-owned enterprises	2	2
Residents	111 119	111 119
Non-residents	1 400	1 400
Individuals	168 069	168 069
Residents	165 545	165 545
Non-residents	2 524	2 524
Term	4 194 007	4 194 007
Corporate clients	315 886	315 886
Residents	105 886	105 886
up to 1 year	100 000	100 000
more than 3 years	5 886	5 886
Non-residents	210 000	210 000
more than 3 years	210 000	210 000
Individuals	3 878 121	3 878 121
residents	3 870 404	3 870 404
up to 180 days	182 124	182 124
up to 1 year	1 240 546	1 240 546
up to 3 years	2 447 734	2 447 734
non-residents	7 717	7 717
up to 180 days	1 300	1 300
up to 1 year	6 316	6 316
up to 3 years	101	101
Other liabilities	47 263	47 263
Other liabilities	11 821	11 821
Accrued interest not yet paid	35 442	35 442
EQUITY	389 311	389 311
Capital	416 250	416 250
Profit from previous years	53 112	53 112
Retained earnings from previous years	53 112	53 112
Current year profit	-62 757	-62 757
Current year retained earnings	-62 757	-62 757
Future expenses	-17 294	-17 294
OFF-BALANCE SHEET	2 993 387	2 993 387
Contingent liabilities	-69 914	-69 914
Unused credit limits opened	-69 914	-69 914
Collateral on loans	2 653 485	2 653 485
goods	980 704	980 704
securities	1 672 781	1 672 781
Unprocessed payments	338 637	338 637
Due to lack of funds on client accounts	338 637	338 637
Other off-balance sheet accounts	71 179	71 179
Accrued interest not yet received	76 167	76 167
Written-off interest	-1 730	-1 730
Written-off loans	-3 258	-3 258
Credit card balances	385 856	385 856
Reserve rates:
Loans to banks:	-15,02%	-100,0%
Customer loans, total:	-13,78%	-100,0%
including corporate loans:	-6,33%	-100,0%
including individual loans:	-25,11%	-100,0%
Past-due rate:	-7,28%	-100,0%
corporate clients:	0,00%	-
individuals:	-18,36%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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