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

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	VEGA-BANK	add to comparison
Central Bank of Russia registration number: 3270 complies with 214-FZ (equity construction)

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	4 540 770	4 540 770
High liquid assets	163 750	163 750
Cash and equivalents	115 077	115 077
Cash	84 232	84 232
in cash and en route	71 913	71 913
in ATMs	12 319	12 319
Nostro account with Central Bank	30 845	30 845
Nostro accounts	22 899	22 899
Residents	22 899	22 899
Money in transfer	19 321	19 321
Exchange accounts	6 689	6 689
Provision for impairment of high-liquid assets	-236	-236
Interest-earning assets	3 997 167	3 997 167
Securities	150 000	150 000
Mutual funds	150 000	150 000
Loans to corporate clients	2 787 796	2 787 796
residents	2 759 506	2 759 506
up to 30 days	11 647	11 647
up to 180 days	320 509	320 509
up to 1 year	1 068 671	1 068 671
up to 3 years	1 114 079	1 114 079
more than 3 years	244 600	244 600
state-owned enterprises	179 881	179 881
up to 1 year	4 500	4 500
up to 3 years	44 909	44 909
more than 3 years	130 472	130 472
Past-due	111 648	111 648
residents	111 648	111 648
Provision for impairment of corporate loans	-263 239	-263 239
residents	-257 180	-257 180
state-owned enterprises	-6 059	-6 059
Loans to private entrepreneurs	97 127	97 127
up to 1 year	55 000	55 000
up to 3 years	32 575	32 575
Past-due	30 000	30 000
Provision for impairment of loans to private entrepreneurs	-20 448	-20 448
Loans to individuals	962 244	962 244
Standard	1 005 414	1 005 414
up to 1 year	44 113	44 113
up to 3 years	244 703	244 703
more than 3 years	716 598	716 598
Past-due	93 213	93 213
Past-due	93 213	93 213
Provision for impairment of loans to individuals	-136 383	-136 383
Other assets	379 853	379 853
Mandatory reserves with Central Bank	42 088	42 088
Premises and equipment	41 115	41 115
Purchase cost	61 587	61 587
Depreciation	-20 472	-20 472
Accrued interest not yet received	310 361	310 361
Other assets	305 336	305 336
Provision for impairment of other assets	-351 541	-351 541
Deferred tax asset	32 494	32 494
LIABILITIES	3 956 789	3 956 789
On demand	486 068	486 068
Corporate clients	364 833	364 833
State-owned enterprises	484	484
Residents	356 163	356 163
Non-residents	8 186	8 186
Individuals	121 235	121 235
Residents	120 147	120 147
Non-residents	1 088	1 088
Term	3 044 667	3 044 667
Corporate clients	581 600	581 600
Residents	571 600	571 600
up to 30 days	35 000	35 000
up to 180 days	600	600
more than 3 years	536 000	536 000
State-owned enterprises	10 000	10 000
up to 1 year	10 000	10 000
Individuals	2 463 067	2 463 067
residents	2 452 754	2 452 754
up to 1 year	289	289
up to 3 years	2 432 670	2 432 670
more than 3 years	19 795	19 795
non-residents	10 313	10 313
up to 3 years	10 313	10 313
Securities issued	378 231	378 231
Promissory notes	378 231	378 231
up to 30 days	90 923	90 923
up to 180 days	168 857	168 857
up to 3 years	118 451	118 451
Other liabilities	47 823	47 823
Other liabilities	7 714	7 714
Accrued interest not yet paid	39 412	39 412
Deferred tax liabilities	697	697
EQUITY	583 980	583 980
Capital	597 935	597 935
Profit from previous years	155 938	155 938
Retained earnings from previous years	155 938	155 938
Current year profit	-164 697	-164 697
Current year retained earnings	-164 697	-164 697
Future expenses	-5 196	-5 196
OFF-BALANCE SHEET	2 993 523	2 993 523
Contingent liabilities	-1 881 824	-1 881 824
Guarantees issued	-1 272 753	-1 272 753
Unused credit limits opened	-375 586	-375 586
Unused guarantee limits	-233 485	-233 485
Collateral on loans	4 099 687	4 099 687
goods	3 715 023	3 715 023
securities	384 664	384 664
Unprocessed payments	756 354	756 354
Due to lack of funds on client accounts	756 354	756 354
Other off-balance sheet accounts	19 306	19 306
Accrued interest not yet received	51 334	51 334
Written-off interest	-7 096	-7 096
Written-off loans	-24 932	-24 932
Risk-weighted assets	7 488 280	7 488 280
Reserve rates:
Customer loans, total:	-9,62%	-100,0%
including corporate loans:	-8,95%	-100,0%
including individual loans:	-12,41%	-100,0%
Past-due rate:	-5,50%	-100,0%
corporate clients:	-4,47%	-100,0%
individuals:	-8,48%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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