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

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	RENESSANS CREDIT	add to comparison
Central Bank of Russia registration number: 3354 retail lending, CB RF representative, complies with 213-FZ (work with state companies)

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	151 774 712	151 774 712
High liquid assets	4 566 578	4 566 578
Cash and equivalents	4 184 243	4 184 243
Cash	1 136 550	1 136 550
in cash and en route	924 650	924 650
in ATMs	211 900	211 900
Nostro account with Central Bank	3 047 693	3 047 693
Nostro accounts	197 364	197 364
Non-residents	39 283	39 283
Residents	158 081	158 081
Money in transfer	209 361	209 361
Provision for impairment of high-liquid assets	-24 390	-24 390
Interest-earning assets	136 029 127	136 029 127
Dues from banks	8 572 216	8 572 216
Central Bank of Russia	4 000 000	4 000 000
Residents	3 908 202	3 908 202
up to 30 days	3 908 202	3 908 202
Non-residents	664 014	664 014
up to 30 days	664 014	664 014
Securities	11 486 873	11 486 873
Bonds	11 486 873	11 486 873
Federal Loan Bonds (OFZs), OBRs	5 051 376	5 051 376
Corporate bonds	3 728 480	3 728 480
Corporate foreign bonds	2 800 273	2 800 273
Valuation allowance	-93 256	-93 256
Loans to corporate clients	160 680	160 680
residents	154 955	154 955
up to 1 year	128 571	128 571
up to 3 years	748	748
more than 3 years	25 636	25 636
non-residents	17 794	17 794
more than 3 years	17 794	17 794
Provision for impairment of corporate loans	-12 069	-12 069
residents	-5 841	-5 841
non-residents	-6 228	-6 228
Loans to private entrepreneurs	1 350	1 350
up to 3 years	2 701	2 701
Provision for impairment of loans to private entrepreneurs	-1 351	-1 351
Loans to individuals	115 808 008	115 808 008
Standard	124 794 728	124 794 728
up to 30 days	8 510 007	8 510 007
up to 180 days	113 112	113 112
up to 1 year	11 241 911	11 241 911
up to 3 years	31 741 660	31 741 660
more than 3 years	73 188 038	73 188 038
Past-due	12 080 098	12 080 098
Past-due	12 080 098	12 080 098
Provision for impairment of loans to individuals	-21 066 818	-21 066 818
Other assets	11 179 007	11 179 007
Mandatory reserves with Central Bank	761 006	761 006
Premises and equipment	5 790 505	5 790 505
Purchase cost	11 164 615	11 164 615
Depreciation	-5 374 110	-5 374 110
Accrued interest not yet received	1 816 645	1 816 645
Other assets	1 377 567	1 377 567
Provision for impairment of other assets	-1 349 266	-1 349 266
Derivatives - assets	427 584	427 584
Deferred tax asset	2 354 966	2 354 966
LIABILITIES	115 569 356	115 569 356
Dues to banks	264 666	264 666
Other dues to banks	264 666	264 666
On demand	10 206 304	10 206 304
Corporate clients	175 974	175 974
Residents	175 740	175 740
Non-residents	234	234
Individuals	9 822 947	9 822 947
Residents	9 814 230	9 814 230
Non-residents	8 717	8 717
Brokerage accounts	207 383	207 383
Residents	207 383	207 383
Term	92 881 453	92 881 453
Corporate clients	4 332 095	4 332 095
Non-residents	4 332 095	4 332 095
more than 3 years	4 332 095	4 332 095
Individuals	88 549 358	88 549 358
residents	88 488 345	88 488 345
up to 180 days	1 042 373	1 042 373
up to 1 year	27 935 853	27 935 853
up to 3 years	59 510 119	59 510 119
non-residents	61 013	61 013
up to 180 days	5 681	5 681
up to 1 year	21 124	21 124
up to 3 years	34 208	34 208
Securities issued	6 000 000	6 000 000
Bonds	6 000 000	6 000 000
Other liabilities	6 216 933	6 216 933
Other liabilities	4 260 129	4 260 129
Accrued interest not yet paid	1 944 157	1 944 157
Deferred tax liabilities	12 647	12 647
EQUITY	36 205 356	36 205 356
Capital	3 863 892	3 863 892
Profit from previous years	32 323 657	32 323 657
Retained earnings from previous years	32 323 657	32 323 657
Current year profit	17 807	17 807
Current year retained earnings	17 807	17 807
OFF-BALANCE SHEET	-44 743 631	-44 743 631
Contingent liabilities	-12 008 626	-12 008 626
Unused credit limits opened	-12 008 626	-12 008 626
Collateral on loans	103 070	103 070
goods	8 436	8 436
securities	94 634	94 634
Unprocessed payments	44	44
Due to lack of funds on client accounts	44	44
Other off-balance sheet accounts	-32 838 119	-32 838 119
Written-off interest	-9 597 716	-9 597 716
Written-off loans	-23 240 403	-23 240 403
Credit card balances	8 510 007	8 510 007
Risk-weighted assets	224 422 793	224 422 793
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-15,38%	-100,0%
including corporate loans:	-7,65%	-100,0%
including individual loans:	-15,39%	-100,0%
Past-due rate:	-8,81%	-100,0%
corporate clients:	0,00%	-
individuals:	-8,83%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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