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

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	LAYTBANK	add to comparison
Central Bank of Russia registration number: 3177

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	1 389 811	1 389 811
High liquid assets	469 187	469 187
Cash and equivalents	343 290	343 290
Cash	285 665	285 665
in cash and en route	245 879	245 879
in ATMs	39 786	39 786
Nostro account with Central Bank	57 625	57 625
Nostro accounts	98 479	98 479
Residents	98 479	98 479
Money in transfer	22 192	22 192
Exchange accounts	5 951	5 951
Provision for impairment of high-liquid assets	-725	-725
Interest-earning assets	837 362	837 362
Dues from banks	102 839	102 839
Central Bank of Russia	100 000	100 000
Residents	2 839	2 839
up to 30 days	2 839	2 839
Loans to corporate clients	115 618	115 618
residents	125 620	125 620
up to 30 days	2 328	2 328
up to 180 days	31 030	31 030
up to 1 year	88 972	88 972
up to 3 years	2 300	2 300
more than 3 years	990	990
non-residents	2 784	2 784
up to 30 days	2 784	2 784
Past-due	168 058	168 058
residents	168 058	168 058
Provision for impairment of corporate loans	-180 844	-180 844
residents	-180 816	-180 816
non-residents	-28	-28
Loans to individuals	618 905	618 905
Standard	694 201	694 201
up to 1 year	9 278	9 278
up to 3 years	47 057	47 057
more than 3 years	637 866	637 866
Memo: mortgage loans	53 225	53 225
Past-due	42 637	42 637
Past-due	42 637	42 637
Memo: mortgage loans past-due	1 084	1 084
Provision for impairment of loans to individuals	-117 933	-117 933
Other assets	83 262	83 262
Mandatory reserves with Central Bank	24 273	24 273
Premises and equipment	44 223	44 223
Purchase cost	59 948	59 948
Depreciation	-15 725	-15 725
Accrued interest not yet received	8 257	8 257
Other assets	13 773	13 773
Provision for impairment of other assets	-7 264	-7 264
LIABILITIES	1 094 116	1 094 116
On demand	472 775	472 775
Corporate clients	419 153	419 153
Residents	419 091	419 091
Non-residents	62	62
Individuals	53 617	53 617
Residents	52 758	52 758
Non-residents	859	859
Brokerage accounts	5	5
Residents	5	5
Term	576 989	576 989
Corporate clients	275 449	275 449
Residents	275 449	275 449
up to 3 years	265 449	265 449
more than 3 years	10 000	10 000
Individuals	301 540	301 540
residents	300 421	300 421
up to 180 days	1 489	1 489
up to 1 year	39 795	39 795
up to 3 years	189 465	189 465
more than 3 years	69 672	69 672
non-residents	1 119	1 119
up to 3 years	1 119	1 119
Securities issued	32 781	32 781
Promissory notes	32 781	32 781
up to 1 year	8 750	8 750
more than 3 years	24 031	24 031
Other liabilities	11 571	11 571
Other liabilities	9 288	9 288
Accrued interest not yet paid	2 268	2 268
Deferred tax liabilities	15	15
EQUITY	295 695	295 695
Capital	247 672	247 672
Profit from previous years	111 162	111 162
Retained earnings from previous years	111 162	111 162
Current year profit	-62 191	-62 191
Current year retained earnings	-62 191	-62 191
Future expenses	-948	-948
OFF-BALANCE SHEET	101 924	101 924
Contingent liabilities	-353 605	-353 605
Guarantees issued	-331 425	-331 425
Unused credit limits opened	-22 180	-22 180
Collateral on loans	198 750	198 750
goods	165 969	165 969
securities	32 781	32 781
Unprocessed payments	227 641	227 641
Due to lack of funds on client accounts	227 641	227 641
Other off-balance sheet accounts	29 138	29 138
Accrued interest not yet received	29 138	29 138
Risk-weighted assets	2 031 524	2 031 524
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-28,91%	-100,0%
including corporate loans:	-61,00%	-100,0%
including individual loans:	-16,01%	-100,0%
Past-due rate:	-20,39%	-100,0%
corporate clients:	-56,69%	-100,0%
individuals:	-5,79%	-100,0%
o/w mortgages:	-2,04%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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