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

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	VERHNEVOLZHSKIY	add to comparison
Central Bank of Russia registration number: 1084 retail lending, retail funding

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	9 010 444	9 010 444
High liquid assets	1 421 000	1 421 000
Cash and equivalents	1 207 854	1 207 854
Cash	991 774	991 774
in cash and en route	973 378	973 378
in ATMs	18 396	18 396
Nostro account with Central Bank	216 080	216 080
Nostro accounts	213 232	213 232
Residents	213 232	213 232
Money in transfer	8 708	8 708
Provision for impairment of high-liquid assets	-8 794	-8 794
Interest-earning assets	6 262 797	6 262 797
Dues from banks	325 000	325 000
Residents	325 000	325 000
up to 30 days	325 000	325 000
Securities	201 030	201 030
Bonds	201 030	201 030
Financial institutions bonds	201 224	201 224
Provision for impairment of bonds	-194	-194
Loans to corporate clients	2 634 065	2 634 065
residents	2 599 334	2 599 334
up to 30 days	30 303	30 303
up to 180 days	272 020	272 020
up to 1 year	1 537 118	1 537 118
up to 3 years	603 189	603 189
more than 3 years	156 704	156 704
state-owned enterprises	10 000	10 000
up to 3 years	10 000	10 000
Past-due	114 458	114 458
residents	114 458	114 458
Provision for impairment of corporate loans	-89 727	-89 727
residents	-89 727	-89 727
Loans to private entrepreneurs	137 110	137 110
up to 30 days	1 587	1 587
up to 180 days	30 074	30 074
up to 1 year	12 665	12 665
up to 3 years	32 245	32 245
more than 3 years	53 845	53 845
Past-due	12 470	12 470
Provision for impairment of loans to private entrepreneurs	-5 776	-5 776
Loans to individuals	2 965 592	2 965 592
Standard	2 995 528	2 995 528
up to 30 days	21 831	21 831
up to 180 days	10 387	10 387
up to 1 year	1 598 253	1 598 253
up to 3 years	988 246	988 246
more than 3 years	376 811	376 811
Past-due	103 147	103 147
Past-due	103 147	103 147
Provision for impairment of loans to individuals	-133 083	-133 083
Other assets	1 326 647	1 326 647
Mandatory reserves with Central Bank	52 372	52 372
Premises and equipment	522 612	522 612
Purchase cost	577 442	577 442
Depreciation	-54 830	-54 830
Accrued interest not yet received	15 280	15 280
Other assets	764 622	764 622
Provision for impairment of other assets	-46 437	-46 437
Deferred tax asset	18 198	18 198
LIABILITIES	8 032 969	8 032 969
Dues to banks	755	755
On demand	755	755
Residents	755	755
On demand	708 097	708 097
Corporate clients	532 740	532 740
State-owned enterprises	35 063	35 063
Residents	495 934	495 934
Non-residents	1 743	1 743
Individuals	175 357	175 357
Residents	160 122	160 122
Non-residents	15 235	15 235
Term	7 105 993	7 105 993
Corporate clients	51 596	51 596
Residents	23 096	23 096
up to 180 days	4 550	4 550
up to 1 year	10 182	10 182
up to 3 years	8 364	8 364
State-owned enterprises	28 500	28 500
up to 180 days	28 500	28 500
Individuals	7 054 397	7 054 397
residents	6 978 787	6 978 787
up to 30 days	16	16
up to 180 days	421 668	421 668
up to 1 year	1 334 432	1 334 432
up to 3 years	5 221 087	5 221 087
more than 3 years	1 584	1 584
non-residents	75 610	75 610
up to 180 days	15 124	15 124
up to 1 year	17 020	17 020
up to 3 years	43 466	43 466
Securities issued	113 512	113 512
Promissory notes	113 512	113 512
on demand	113 512	113 512
Other liabilities	104 612	104 612
Other liabilities	22 322	22 322
Accrued interest not yet paid	71 230	71 230
Deferred tax liabilities	11 060	11 060
EQUITY	977 475	977 475
Capital	776 961	776 961
Profit from previous years	195 187	195 187
Retained earnings from previous years	195 187	195 187
Current year profit	5 639	5 639
Current year retained earnings	5 639	5 639
Future expenses	-312	-312
OFF-BALANCE SHEET	8 990 552	8 990 552
Contingent liabilities	-140 234	-140 234
Unused credit limits opened	-140 234	-140 234
Collateral on loans	8 265 361	8 265 361
goods	8 242 828	8 242 828
securities	22 533	22 533
Unprocessed payments	820 581	820 581
Due to lack of funds on client accounts	820 581	820 581
Other off-balance sheet accounts	44 844	44 844
Accrued interest not yet received	71 683	71 683
Written-off interest	-9 869	-9 869
Written-off loans	-16 970	-16 970
Credit card balances	21 831	21 831
Risk-weighted assets	9 436 069	9 436 069
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-3,75%	-100,0%
including corporate loans:	-3,33%	-100,0%
including individual loans:	-4,29%	-100,0%
Past-due rate:	-3,86%	-100,0%
corporate clients:	-4,43%	-100,0%
individuals:	-3,33%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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