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

	HKF BANK	add to comparison
Central Bank of Russia registration number: 316 foreign-controlled, retail lending, retail funding, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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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	299 846 726	299 846 726
High liquid assets	11 013 856	11 013 856
Cash and equivalents	8 562 186	8 562 186
Cash	2 844 234	2 844 234
in cash and en route	2 253 877	2 253 877
in ATMs	590 357	590 357
Nostro account with Central Bank	5 717 952	5 717 952
Nostro accounts	599 392	599 392
Non-residents	506 440	506 440
Residents	92 952	92 952
Money in transfer	1 877 704	1 877 704
Provision for impairment of high-liquid assets	-25 426	-25 426
Interest-earning assets	270 532 380	270 532 380
Dues from banks	38 637 330	38 637 330
Central Bank of Russia	7 912 370	7 912 370
Residents	27 387 328	27 387 328
up to 30 days	22 387 328	22 387 328
up to 180 days	5 000 000	5 000 000
Non-residents	3 346 148	3 346 148
more than 180 days	3 346 148	3 346 148
Provision for impairment of loans to banks	-8 516	-8 516
Securities	16 967 236	16 967 236
Bonds	16 967 236	16 967 236
Federal Loan Bonds (OFZs), OBRs	11 877 822	11 877 822
Corporate bonds	185 621	185 621
Financial institutions bonds	2 990 329	2 990 329
Corporate foreign bonds	1 943 972	1 943 972
Valuation allowance	-29 444	-29 444
Provision for impairment of bonds	-1 064	-1 064
Loans to corporate clients	7 511 210	7 511 210
residents	2 616 349	2 616 349
up to 30 days	1 145 719	1 145 719
up to 1 year	404	404
up to 3 years	1 470 033	1 470 033
more than 3 years	193	193
non-residents	4 622 792	4 622 792
up to 30 days	2 282 437	2 282 437
more than 3 years	2 340 355	2 340 355
Past-due	1 453 706	1 453 706
residents	1 453 706	1 453 706
Provision for impairment of corporate loans	-1 181 637	-1 181 637
residents	-1 180 113	-1 180 113
non-residents	-1 823	-1 823
state-owned enterprises	299	299
Loans to private entrepreneurs	61	61
up to 1 year	4	4
more than 3 years	57	57
Loans to individuals	207 416 543	207 416 543
Standard	212 322 545	212 322 545
up to 30 days	27 488 364	27 488 364
up to 180 days	611 487	611 487
up to 1 year	7 297 931	7 297 931
up to 3 years	38 879 305	38 879 305
more than 3 years	138 045 458	138 045 458
Past-due	9 448 413	9 448 413
Past-due	9 448 413	9 448 413
Provision for impairment of loans to individuals	-14 354 415	-14 354 415
Other assets	18 300 490	18 300 490
Mandatory reserves with Central Bank	1 544 559	1 544 559
Premises and equipment	5 724 027	5 724 027
Purchase cost	12 581 438	12 581 438
Depreciation	-6 857 411	-6 857 411
Accrued interest not yet received	1 566 219	1 566 219
Other assets	4 273 910	4 273 910
Investments in subsidiaries	1 776 015	1 776 015
Provision for impairment of other assets	-1 566 383	-1 566 383
Deferred tax asset	4 982 143	4 982 143
LIABILITIES	243 871 826	243 871 826
Dues to banks	932 730	932 730
On demand	150 632	150 632
Residents	146 147	146 147
Non-residents	4 485	4 485
Term	730 000	730 000
Non-residents	730 000	730 000
up to 30 days	730 000	730 000
Other dues to banks	52 098	52 098
On demand	82 607 939	82 607 939
Corporate clients	2 646 395	2 646 395
Residents	2 595 361	2 595 361
Non-residents	51 034	51 034
Individuals	79 961 536	79 961 536
Residents	79 931 823	79 931 823
Non-residents	29 713	29 713
Brokerage accounts	8	8
Non-residents	8	8
Term	125 858 869	125 858 869
Corporate clients	21 877 780	21 877 780
Residents	6 314 300	6 314 300
up to 30 days	182 800	182 800
up to 180 days	111 400	111 400
up to 1 year	20 100	20 100
up to 3 years	6 000 000	6 000 000
Non-residents	15 563 480	15 563 480
more than 3 years	15 563 480	15 563 480
Individuals	103 981 089	103 981 089
residents	103 927 529	103 927 529
up to 180 days	993 551	993 551
up to 1 year	23 023 768	23 023 768
up to 3 years	79 889 040	79 889 040
more than 3 years	21 170	21 170
non-residents	53 560	53 560
up to 180 days	4 932	4 932
up to 1 year	6 606	6 606
up to 3 years	42 022	42 022
Securities issued	12 820 818	12 820 818
Bonds	12 820 818	12 820 818
Other liabilities	21 651 470	21 651 470
Other liabilities	16 166 892	16 166 892
Accrued interest not yet paid	4 030 295	4 030 295
Deferred tax liabilities	1 454 283	1 454 283
EQUITY	55 974 900	55 974 900
Capital	4 422 417	4 422 417
Profit from previous years	52 347 346	52 347 346
Retained earnings from previous years	52 347 346	52 347 346
Current year profit	-794 863	-794 863
Current year retained earnings	-794 863	-794 863
OFF-BALANCE SHEET	-195 905 520	-195 905 520
Contingent liabilities	-60 099 710	-60 099 710
Unused credit limits opened	-60 099 710	-60 099 710
Collateral on loans	5 835 441	5 835 441
goods	3 140 464	3 140 464
securities	2 694 977	2 694 977
Unprocessed payments	27	27
Due to lack of funds on client accounts	27	27
Other off-balance sheet accounts	-141 641 278	-141 641 278
Written-off interest	-7 293 469	-7 293 469
Written-off loans	-134 347 809	-134 347 809
Credit card balances	27 488 364	27 488 364
Risk-weighted assets	474 050 445	474 050 445
Reserve rates:
Loans to banks:	-0,02%	-100,0%
Customer loans, total:	-6,74%	-100,0%
including corporate loans:	-13,59%	-100,0%
including individual loans:	-6,47%	-100,0%
Past-due rate:	-4,73%	-100,0%
corporate clients:	-16,72%	-100,0%
individuals:	-4,26%	-100,0%