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

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	NORVIK BANK	add to comparison
Central Bank of Russia registration number: 902 retail funding, CB RF representative, 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	20 700 883	20 700 883
High liquid assets	1 740 894	1 740 894
Cash and equivalents	1 467 495	1 467 495
Cash	965 831	965 831
in cash and en route	830 873	830 873
in ATMs	134 958	134 958
Nostro account with Central Bank	501 664	501 664
Nostro accounts	128 958	128 958
Residents	128 958	128 958
Money in transfer	151 432	151 432
Provision for impairment of high-liquid assets	-6 991	-6 991
Interest-earning assets	17 453 243	17 453 243
Dues from banks	1 047 074	1 047 074
Central Bank of Russia	978 090	978 090
Residents	68 984	68 984
up to 30 days	68 984	68 984
Securities	7 106 663	7 106 663
Bonds	7 075 879	7 075 879
Federal Loan Bonds (OFZs), OBRs	3 973 667	3 973 667
Corporate bonds	611 298	611 298
Financial institutions bonds	472 347	472 347
Corporate foreign bonds	2 079 543	2 079 543
Valuation allowance	-60 976	-60 976
Stocks	30 784	30 784
Non-residents	30 364	30 364
Valuation allowance	420	420
Loans to corporate clients	721 526	721 526
residents	814 821	814 821
up to 30 days	40 742	40 742
up to 180 days	20 397	20 397
up to 1 year	105 061	105 061
up to 3 years	302 562	302 562
more than 3 years	346 059	346 059
Past-due	372 538	372 538
residents	372 505	372 505
non-residents	9	9
state-owned enterprises	24	24
Provision for impairment of corporate loans	-465 833	-465 833
residents	-465 804	-465 804
non-residents	-8	-8
state-owned enterprises	-21	-21
Loans to private entrepreneurs	319 511	319 511
up to 30 days	10 200	10 200
up to 180 days	5 495	5 495
up to 1 year	21 561	21 561
up to 3 years	125 826	125 826
more than 3 years	164 752	164 752
Past-due	17 956	17 956
Provision for impairment of loans to private entrepreneurs	-26 279	-26 279
Loans to individuals	8 258 469	8 258 469
Standard	8 522 775	8 522 775
up to 30 days	5 102 613	5 102 613
up to 1 year	157	157
up to 3 years	85 541	85 541
more than 3 years	3 334 464	3 334 464
Past-due	721 283	721 283
Past-due	721 283	721 283
Provision for impairment of loans to individuals	-985 589	-985 589
Other assets	1 506 746	1 506 746
Mandatory reserves with Central Bank	134 976	134 976
Premises and equipment	960 466	960 466
Purchase cost	1 495 485	1 495 485
Depreciation	-535 019	-535 019
Accrued interest not yet received	110 968	110 968
Other assets	267 292	267 292
Provision for impairment of other assets	-119 062	-119 062
Derivatives - assets	507	507
Deferred tax asset	151 599	151 599
LIABILITIES	18 401 316	18 401 316
Dues to banks	170 488	170 488
On demand	38	38
Residents	38	38
Other dues to banks	170 450	170 450
On demand	5 512 869	5 512 869
Corporate clients	3 825 847	3 825 847
State-owned enterprises	5 175	5 175
Residents	3 448 098	3 448 098
Non-residents	372 574	372 574
Individuals	1 687 022	1 687 022
Residents	1 684 623	1 684 623
Non-residents	2 399	2 399
Term	12 235 753	12 235 753
Corporate clients	781 104	781 104
Residents	781 104	781 104
up to 30 days	140 020	140 020
up to 180 days	576 394	576 394
up to 1 year	35 890	35 890
up to 3 years	28 800	28 800
Individuals	11 454 649	11 454 649
residents	11 450 269	11 450 269
up to 180 days	107 173	107 173
up to 1 year	632 364	632 364
up to 3 years	10 367 991	10 367 991
more than 3 years	342 741	342 741
non-residents	4 380	4 380
up to 3 years	4 380	4 380
Other liabilities	482 206	482 206
Other liabilities	184 521	184 521
Accrued interest not yet paid	264 853	264 853
Liabilities past-due	10	10
Deferred tax liabilities	32 822	32 822
EQUITY	2 299 568	2 299 568
Capital	1 666 313	1 666 313
Profit from previous years	571 297	571 297
Retained earnings from previous years	571 297	571 297
Current year profit	61 958	61 958
Current year retained earnings	61 958	61 958
OFF-BALANCE SHEET	17 816 305	17 816 305
Unused credit limits available	1 000 000	1 000 000
Contingent liabilities	-1 101 695	-1 101 695
Guarantees issued	-84 689	-84 689
Unused credit limits opened	-993 100	-993 100
Unused guarantee limits	-23 906	-23 906
Collateral on loans	15 140 634	15 140 634
goods	14 974 650	14 974 650
securities	165 984	165 984
Unprocessed payments	3 423 371	3 423 371
Due to lack of funds on client accounts	3 423 371	3 423 371
Other off-balance sheet accounts	-646 005	-646 005
Written-off interest	-179 572	-179 572
Written-off loans	-466 433	-466 433
Credit card balances	5 102 613	5 102 613
Risk-weighted assets	17 882 421	17 882 421
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-13,32%	-100,0%
including corporate loans:	-32,10%	-100,0%
including individual loans:	-10,66%	-100,0%
Past-due rate:	-10,32%	-100,0%
corporate clients:	-25,47%	-100,0%
individuals:	-7,80%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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