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

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	BENIFIT-BANK	add to comparison
Central Bank of Russia registration number: 3229 retail funding

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	14 378 505	14 378 505
High liquid assets	3 492 687	3 492 687
Cash and equivalents	2 042 591	2 042 591
Cash	1 370 475	1 370 475
in cash and en route	1 369 040	1 369 040
in ATMs	1 435	1 435
Nostro account with Central Bank	672 116	672 116
Nostro accounts	700 663	700 663
Residents	700 663	700 663
Money in transfer	9 170	9 170
Exchange accounts	740 263	740 263
Interest-earning assets	8 472 716	8 472 716
Securities	1 244 120	1 244 120
Bonds	1 244 120	1 244 120
Federal Loan Bonds (OFZs), OBRs	79 134	79 134
Valuation allowance	9 816	9 816
Pledged under REPO	1 155 170	1 155 170
Loans to corporate clients	6 728 130	6 728 130
residents	6 669 938	6 669 938
up to 180 days	178 560	178 560
up to 1 year	3 632 872	3 632 872
up to 3 years	2 856 914	2 856 914
more than 3 years	1 592	1 592
non-residents	14 285	14 285
more than 3 years	14 285	14 285
Past-due	525 813	525 813
residents	525 813	525 813
Provision for impairment of corporate loans	-481 906	-481 906
residents	-481 906	-481 906
Loans to private entrepreneurs	1 024	1 024
up to 3 years	461	461
more than 3 years	815	815
Provision for impairment of loans to private entrepreneurs	-252	-252
Loans to individuals	499 442	499 442
Standard	494 216	494 216
up to 1 year	210	210
up to 3 years	50 143	50 143
more than 3 years	443 863	443 863
Past-due	29 263	29 263
Past-due	29 263	29 263
Provision for impairment of loans to individuals	-24 037	-24 037
Other assets	2 413 102	2 413 102
Mandatory reserves with Central Bank	88 747	88 747
Premises and equipment	8 180	8 180
Purchase cost	16 763	16 763
Depreciation	-8 583	-8 583
Accrued interest not yet received	37 059	37 059
Other assets	2 586 177	2 586 177
Provision for impairment of other assets	-307 061	-307 061
LIABILITIES	12 656 865	12 656 865
Dues to banks	1 081 492	1 081 492
Term	1 081 492	1 081 492
Central Bank of Russia	196 479	196 479
other	196 479	196 479
Residents	885 013	885 013
up to 30 days	885 013	885 013
On demand	361 479	361 479
Corporate clients	54 204	54 204
Residents	53 332	53 332
Non-residents	872	872
Individuals	307 267	307 267
Residents	305 415	305 415
Non-residents	1 852	1 852
Brokerage accounts	8	8
Residents	8	8
Term	11 157 690	11 157 690
Individuals	11 157 690	11 157 690
residents	11 112 225	11 112 225
up to 180 days	45 498	45 498
up to 1 year	713 682	713 682
up to 3 years	10 353 045	10 353 045
non-residents	45 465	45 465
up to 1 year	340	340
up to 3 years	45 125	45 125
Other liabilities	56 204	56 204
Other liabilities	49 674	49 674
Accrued interest not yet paid	6 530	6 530
EQUITY	1 721 640	1 721 640
Capital	734 200	734 200
Profit from previous years	224 951	224 951
Retained earnings from previous years	224 951	224 951
Current year profit	766 633	766 633
Current year retained earnings	766 633	766 633
Future expenses	-4 144	-4 144
OFF-BALANCE SHEET	14 542 145	14 542 145
Contingent liabilities	-247 431	-247 431
Unused credit limits opened	-247 431	-247 431
Collateral on loans	14 697 156	14 697 156
goods	13 715 335	13 715 335
securities	981 821	981 821
Unprocessed payments	63 169	63 169
Due to lack of funds on client accounts	63 169	63 169
Other off-balance sheet accounts	29 251	29 251
Accrued interest not yet received	29 451	29 451
Written-off interest	-153	-153
Written-off loans	-47	-47
Reserve rates:
Customer loans, total:	-6,54%	-100,0%
including corporate loans:	-6,69%	-100,0%
including individual loans:	-4,59%	-100,0%
Past-due rate:	-7,18%	-100,0%
corporate clients:	-7,29%	-100,0%
individuals:	-5,59%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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