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

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	VOLGO-KAMSKIY BANK	add to comparison
Central Bank of Russia registration number: 282

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	7 108 986	7 108 986
High liquid assets	380 837	380 837
Cash and equivalents	328 191	328 191
Cash	326 778	326 778
in cash and en route	66 325	66 325
in ATMs	260 453	260 453
Nostro account with Central Bank	1 413	1 413
Nostro accounts	39 592	39 592
Residents	39 592	39 592
Money in transfer	13 054	13 054
Interest-earning assets	5 919 925	5 919 925
Securities	756 581	756 581
Stocks	756 581	756 581
Residents	739 435	739 435
Valuation allowance	17 146	17 146
Loans to corporate clients	3 695 352	3 695 352
residents	3 834 537	3 834 537
up to 180 days	361 874	361 874
up to 1 year	2 045 426	2 045 426
up to 3 years	1 199 300	1 199 300
more than 3 years	227 937	227 937
Past-due	26 883	26 883
residents	26 883	26 883
Provision for impairment of corporate loans	-166 068	-166 068
residents	-166 068	-166 068
Loans to private entrepreneurs	13 144	13 144
up to 3 years	13 144	13 144
Loans to individuals	1 454 848	1 454 848
Standard	1 457 238	1 457 238
up to 30 days	128 953	128 953
up to 1 year	828 920	828 920
up to 3 years	303 623	303 623
more than 3 years	195 742	195 742
Past-due	59 868	59 868
Past-due	59 868	59 868
Provision for impairment of loans to individuals	-62 258	-62 258
Other assets	808 224	808 224
Mandatory reserves with Central Bank	94 298	94 298
Premises and equipment	640 334	640 334
Purchase cost	722 978	722 978
Depreciation	-82 644	-82 644
Accrued interest not yet received	307	307
Other assets	80 468	80 468
Provision for impairment of other assets	-7 183	-7 183
LIABILITIES	6 516 598	6 516 598
Dues to banks	70 000	70 000
Term	70 000	70 000
Residents	70 000	70 000
up to 30 days	70 000	70 000
On demand	2 327 303	2 327 303
Corporate clients	1 977 179	1 977 179
State-owned enterprises	36 926	36 926
Residents	1 940 210	1 940 210
Non-residents	43	43
Individuals	350 124	350 124
Residents	349 865	349 865
Non-residents	259	259
Term	3 512 546	3 512 546
Corporate clients	592 870	592 870
Residents	592 870	592 870
up to 180 days	540	540
up to 1 year	16 500	16 500
up to 3 years	260 830	260 830
more than 3 years	315 000	315 000
Individuals	2 919 676	2 919 676
residents	2 915 218	2 915 218
up to 180 days	193 884	193 884
up to 1 year	72 570	72 570
up to 3 years	2 604 686	2 604 686
more than 3 years	44 078	44 078
non-residents	4 458	4 458
up to 180 days	462	462
up to 1 year	862	862
up to 3 years	3 132	3 132
more than 3 years	2	2
Securities issued	17 173	17 173
Promissory notes	17 173	17 173
on demand	6 280	6 280
up to 1 year	11 186	11 186
more than 3 years	90	90
Discount accrued	-383	-383
Other liabilities	589 576	589 576
Other liabilities	98 311	98 311
Accrued interest not yet paid	48 633	48 633
Liabilities past-due	442 632	442 632
EQUITY	592 388	592 388
Capital	581 108	581 108
Profit from previous years	84 960	84 960
Retained earnings from previous years	84 960	84 960
Current year profit	-69 832	-69 832
Current year retained earnings	-69 832	-69 832
Future expenses	-3 848	-3 848
OFF-BALANCE SHEET	1 889 837	1 889 837
Contingent liabilities	-137 818	-137 818
Guarantees issued	-9 443	-9 443
Unused credit limits opened	-128 375	-128 375
Collateral on loans	2 029 877	2 029 877
goods	1 874 543	1 874 543
securities	155 334	155 334
Other off-balance sheet accounts	-2 222	-2 222
Accrued interest not yet received	5 276	5 276
Written-off interest	-399	-399
Written-off loans	-7 099	-7 099
Credit card balances	128 953	128 953
Reserve rates:
Customer loans, total:	-4,22%	-100,0%
including corporate loans:	-4,29%	-100,0%
including individual loans:	-4,10%	-100,0%
Past-due rate:	-1,61%	-100,0%
corporate clients:	-0,69%	-100,0%
individuals:	-3,95%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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