Kuap. Ru - Balance sheet of ВЕРХНЕ-ВОЛЖСКИЙ НЕФТЕБАНК, analysis of f.101

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	VERHNE-VOLZHSKIY NEFTEBANK	add to comparison
Central Bank of Russia registration number: 3033

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	921 123	921 123
High liquid assets	56 419	56 419
Cash and equivalents	38 315	38 315
Cash	10 343	10 343
in cash and en route	10 343	10 343
Nostro account with Central Bank	27 972	27 972
Nostro accounts	18 104	18 104
Residents	18 104	18 104
Interest-earning assets	636 927	636 927
Securities	29 347	29 347
Bonds	16 785	16 785
Federal Loan Bonds (OFZs), OBRs	14 743	14 743
Corporate bonds	2 042	2 042
Promissory notes	8 107	8 107
Corporate	11 825	11 825
Provision for impairment of promissory notes	-3 718	-3 718
Stocks	4 455	4 455
Residents	5 831	5 831
Valuation allowance	-1 376	-1 376
Loans to corporate clients	542 236	542 236
residents	548 036	548 036
up to 30 days	5 743	5 743
up to 180 days	24 832	24 832
up to 1 year	130 750	130 750
up to 3 years	302 754	302 754
more than 3 years	83 957	83 957
Past-due	1 977	1 977
residents	1 977	1 977
Provision for impairment of corporate loans	-7 777	-7 777
residents	-7 777	-7 777
Loans to private entrepreneurs	9 868	9 868
up to 3 years	1 998	1 998
more than 3 years	8 291	8 291
Past-due	586	586
Provision for impairment of loans to private entrepreneurs	-1 007	-1 007
Loans to individuals	58 464	58 464
Standard	57 096	57 096
up to 1 year	661	661
up to 3 years	5 622	5 622
more than 3 years	50 813	50 813
Past-due	4 022	4 022
Past-due	4 022	4 022
Provision for impairment of loans to individuals	-2 654	-2 654
Provision for impairment of loans past-due	-2 988	-2 988
Other assets	227 777	227 777
Mandatory reserves with Central Bank	20 195	20 195
Premises and equipment	200 014	200 014
Purchase cost	229 515	229 515
Depreciation	-29 501	-29 501
Accrued interest not yet received	5 280	5 280
Non-current assets	752	752
Other assets	2 573	2 573
Provision for impairment of other assets	-1 037	-1 037
LIABILITIES	710 550	710 550
Dues to banks	75 123	75 123
Term	75 000	75 000
Residents	75 000	75 000
up to 30 days	75 000	75 000
Other dues to banks	123	123
On demand	83 342	83 342
Corporate clients	64 629	64 629
State-owned enterprises	13 081	13 081
Residents	51 548	51 548
Individuals	18 713	18 713
Residents	18 713	18 713
Term	532 310	532 310
Corporate clients	4 000	4 000
Residents	4 000	4 000
up to 180 days	4 000	4 000
Individuals	528 310	528 310
residents	528 310	528 310
up to 180 days	4 951	4 951
up to 1 year	17 239	17 239
up to 3 years	146 481	146 481
more than 3 years	359 639	359 639
Securities issued	14 012	14 012
Promissory notes	14 012	14 012
up to 180 days	14 133	14 133
Discount accrued	-121	-121
Other liabilities	5 763	5 763
Other liabilities	1 616	1 616
Accrued interest not yet paid	4 147	4 147
EQUITY	210 573	210 573
Capital	174 934	174 934
Profit from previous years	33 474	33 474
Retained earnings from previous years	33 474	33 474
Current year profit	2 752	2 752
Current year retained earnings	2 752	2 752
Future expenses	-587	-587
OFF-BALANCE SHEET	863 627	863 627
Contingent liabilities	-51 745	-51 745
Guarantees issued	-12 000	-12 000
Unused credit limits opened	-39 745	-39 745
Collateral on loans	915 040	915 040
goods	901 040	901 040
securities	14 000	14 000
Other off-balance sheet accounts	332	332
Accrued interest not yet received	357	357
Written-off loans	-25	-25
Reserve rates:
Customer loans, total:	-2,28%	-100,0%
including corporate loans:	-1,57%	-100,0%
including individual loans:	-4,34%	-100,0%
Past-due rate:	-1,06%	-100,0%
corporate clients:	-0,46%	-100,0%
individuals:	-6,58%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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