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

	POCHTA BANK	add to comparison
Central Bank of Russia registration number: 650 state-controlled, retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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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	506 582 544	506 582 544
High liquid assets	23 165 751	23 165 751
Cash and equivalents	20 717 577	20 717 577
Cash	17 049 711	17 049 711
in cash and en route	10 028	10 028
in ATMs	17 039 683	17 039 683
Nostro account with Central Bank	3 667 866	3 667 866
Nostro accounts	1 065 399	1 065 399
Non-residents	112	112
Residents	1 065 287	1 065 287
Money in transfer	1 457 614	1 457 614
Provision for impairment of high-liquid assets	-74 839	-74 839
Interest-earning assets	472 339 752	472 339 752
Dues from banks	94 000 000	94 000 000
Residents	94 000 000	94 000 000
up to 30 days	39 000 000	39 000 000
up to 180 days	55 000 000	55 000 000
Loans to corporate clients	1 516 329	1 516 329
residents	1 129 042	1 129 042
up to 30 days	17 000	17 000
up to 1 year	987 750	987 750
up to 3 years	33 639	33 639
more than 3 years	90 653	90 653
non-residents	3 533	3 533
up to 3 years	3 533	3 533
state-owned enterprises	472 358	472 358
more than 3 years	472 358	472 358
Past-due	7 519	7 519
residents	7 519	7 519
Provision for impairment of corporate loans	-96 123	-96 123
residents	-89 633	-89 633
non-residents	-1 766	-1 766
state-owned enterprises	-4 724	-4 724
Loans to private entrepreneurs	88	88
up to 3 years	33 189	33 189
Past-due	1 015	1 015
Provision for impairment of loans to private entrepreneurs	-34 116	-34 116
Loans to individuals	376 823 335	376 823 335
Standard	397 255 769	397 255 769
up to 30 days	35 523 059	35 523 059
up to 180 days	563 820	563 820
up to 1 year	11 913 440	11 913 440
up to 3 years	47 623 152	47 623 152
more than 3 years	301 632 298	301 632 298
Past-due	59 299 928	59 299 928
Past-due	59 299 928	59 299 928
Provision for impairment of loans to individuals	-79 732 362	-79 732 362
Other assets	11 077 041	11 077 041
Mandatory reserves with Central Bank	2 633 305	2 633 305
Premises and equipment	7 373 472	7 373 472
Purchase cost	16 184 278	16 184 278
Depreciation	-8 810 806	-8 810 806
Accrued interest not yet received	3 044 318	3 044 318
Other assets	1 998 887	1 998 887
Provision for impairment of other assets	-8 374 592	-8 374 592
Deferred tax asset	4 401 651	4 401 651
LIABILITIES	442 557 138	442 557 138
Dues to banks	84 300 004	84 300 004
On demand	4	4
Residents	4	4
Term	84 300 000	84 300 000
Residents	84 300 000	84 300 000
up to 30 days	57 000 000	57 000 000
more than 180 days	27 300 000	27 300 000
On demand	202 882 545	202 882 545
Corporate clients	613 341	613 341
State-owned enterprises	5 260	5 260
Residents	608 081	608 081
Individuals	202 269 204	202 269 204
Residents	202 126 951	202 126 951
Non-residents	142 253	142 253
Term	142 036 464	142 036 464
Corporate clients	24 211	24 211
Residents	1 781	1 781
up to 180 days	1 070	1 070
up to 1 year	262	262
up to 3 years	449	449
State-owned enterprises	22 430	22 430
up to 1 year	22 430	22 430
Individuals	142 012 253	142 012 253
residents	141 939 601	141 939 601
up to 180 days	261	261
up to 1 year	36 286 690	36 286 690
up to 3 years	105 652 650	105 652 650
non-residents	72 652	72 652
up to 1 year	16 099	16 099
up to 3 years	56 553	56 553
Other liabilities	13 338 125	13 338 125
Other liabilities	10 500 573	10 500 573
Accrued interest not yet paid	2 837 552	2 837 552
EQUITY	64 025 406	64 025 406
Capital	38 979 813	38 979 813
Profit from previous years	22 913 194	22 913 194
Retained earnings from previous years	22 913 194	22 913 194
Current year profit	2 132 399	2 132 399
Current year retained earnings	2 132 399	2 132 399
OFF-BALANCE SHEET	-34 892 953	-34 892 953
Contingent liabilities	-32 672 913	-32 672 913
Guarantees issued	-1 822 918	-1 822 918
Unused credit limits opened	-30 849 995	-30 849 995
Collateral on loans	993 654	993 654
goods	993 654	993 654
Unprocessed payments	250 779	250 779
Due to lack of funds on client accounts	250 779	250 779
Other off-balance sheet accounts	-3 464 473	-3 464 473
Written-off interest	-467 408	-467 408
Written-off loans	-2 997 065	-2 997 065
Credit card balances	35 523 059	35 523 059
Risk-weighted assets	733 640 330	733 640 330
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-17,43%	-100,0%
including corporate loans:	-7,91%	-100,0%
including individual loans:	-17,46%	-100,0%
Past-due rate:	-12,94%	-100,0%
corporate clients:	-0,52%	-100,0%
individuals:	-12,99%	-100,0%