Kuap. Ru - Balance sheet of ВЭЛКОМБАНК, analysis of f.101

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	VELKOMBANK	add to comparison
Central Bank of Russia registration number: 589

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	1 202 221	1 202 221
High liquid assets	109 718	109 718
Cash and equivalents	87 216	87 216
Cash	69 287	69 287
in cash and en route	66 405	66 405
in ATMs	2 882	2 882
Nostro account with Central Bank	17 929	17 929
Nostro accounts	17 630	17 630
Non-residents	554	554
Residents	17 076	17 076
Money in transfer	5 019	5 019
Provision for impairment of high-liquid assets	-147	-147
Interest-earning assets	799 839	799 839
Dues from banks	455	455
Residents	455	455
up to 30 days	455	455
Securities	442 224	442 224
Stocks	442 224	442 224
Residents	414 758	414 758
Valuation allowance	27 466	27 466
Loans to corporate clients	30 592	30 592
residents	32 306	32 306
up to 30 days	4 123	4 123
up to 180 days	15 500	15 500
up to 1 year	11 846	11 846
up to 3 years	837	837
Past-due	4 455	4 455
residents	4 455	4 455
Provision for impairment of corporate loans	-6 169	-6 169
residents	-6 169	-6 169
Loans to private entrepreneurs	11 800	11 800
up to 180 days	11 775	11 775
up to 1 year	50	50
Provision for impairment of loans to private entrepreneurs	-25	-25
Loans to individuals	314 768	314 768
Standard	342 518	342 518
up to 30 days	20	20
up to 180 days	9 521	9 521
up to 1 year	8 000	8 000
up to 3 years	27 249	27 249
more than 3 years	297 728	297 728
Past-due	6 420	6 420
Past-due	6 420	6 420
Provision for impairment of loans to individuals	-34 170	-34 170
Other assets	292 664	292 664
Mandatory reserves with Central Bank	29 753	29 753
Premises and equipment	98 223	98 223
Purchase cost	115 391	115 391
Depreciation	-17 168	-17 168
Accrued interest not yet received	3 603	3 603
Other assets	172 185	172 185
Provision for impairment of other assets	-11 100	-11 100
LIABILITIES	992 998	992 998
On demand	129 636	129 636
Corporate clients	92 966	92 966
State-owned enterprises	169	169
Residents	92 788	92 788
Non-residents	9	9
Individuals	36 670	36 670
Residents	36 366	36 366
Non-residents	304	304
Term	757 581	757 581
Corporate clients	49 127	49 127
Residents	49 127	49 127
up to 1 year	1 800	1 800
up to 3 years	43 248	43 248
more than 3 years	4 079	4 079
Individuals	708 454	708 454
residents	707 900	707 900
up to 180 days	11 083	11 083
up to 1 year	22 810	22 810
up to 3 years	674 007	674 007
non-residents	554	554
up to 3 years	554	554
Other liabilities	105 781	105 781
Other liabilities	103 419	103 419
Accrued interest not yet paid	2 362	2 362
EQUITY	209 223	209 223
Capital	181 385	181 385
Profit from previous years	31 066	31 066
Retained earnings from previous years	31 066	31 066
Current year profit	4 317	4 317
Current year retained earnings	4 317	4 317
Future expenses	-7 545	-7 545
OFF-BALANCE SHEET	132 844	132 844
Contingent liabilities	-7 401	-7 401
Unused credit limits opened	-7 401	-7 401
Collateral on loans	141 090	141 090
goods	141 090	141 090
Other off-balance sheet accounts	-845	-845
Accrued interest not yet received	1 084	1 084
Written-off interest	-251	-251
Written-off loans	-1 678	-1 678
Credit card balances	20	20
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-9,86%	-100,0%
including corporate loans:	-12,75%	-100,0%
including individual loans:	-9,79%	-100,0%
Past-due rate:	-2,74%	-100,0%
corporate clients:	-9,17%	-100,0%
individuals:	-1,84%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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