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

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	VLADBIZNESBANK	add to comparison
Central Bank of Russia registration number: 903 retail lending

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	4 779 785	4 779 785
High liquid assets	362 354	362 354
Cash and equivalents	218 914	218 914
Cash	122 797	122 797
in cash and en route	104 213	104 213
in ATMs	18 584	18 584
Nostro account with Central Bank	96 117	96 117
Nostro accounts	135 711	135 711
Residents	135 711	135 711
Money in transfer	7 925	7 925
Provision for impairment of high-liquid assets	-196	-196
Interest-earning assets	4 228 101	4 228 101
Dues from banks	719 056	719 056
Central Bank of Russia	470 000	470 000
Residents	249 137	249 137
up to 30 days	249 137	249 137
Provision for impairment of loans to banks	-81	-81
Securities	445 217	445 217
Bonds	445 217	445 217
Federal Loan Bonds (OFZs), OBRs	69 402	69 402
Corporate bonds	387 970	387 970
Valuation allowance	-12 136	-12 136
Provision for impairment of bonds	-19	-19
Loans to corporate clients	1 201 310	1 201 310
residents	1 272 593	1 272 593
up to 30 days	127 817	127 817
up to 180 days	256 873	256 873
up to 1 year	258 673	258 673
up to 3 years	168 858	168 858
more than 3 years	460 372	460 372
Past-due	36 941	36 941
residents	36 941	36 941
Provision for impairment of corporate loans	-108 224	-108 224
residents	-108 224	-108 224
Loans to private entrepreneurs	519 045	519 045
up to 30 days	7 653	7 653
up to 180 days	2 998	2 998
up to 1 year	9 482	9 482
up to 3 years	113 549	113 549
more than 3 years	385 866	385 866
Past-due	1 287	1 287
Provision for impairment of loans to private entrepreneurs	-1 790	-1 790
Loans to individuals	1 343 473	1 343 473
Standard	1 387 054	1 387 054
up to 30 days	530	530
up to 1 year	16 359	16 359
up to 3 years	107 399	107 399
more than 3 years	1 262 766	1 262 766
Past-due	95 989	95 989
Past-due	95 989	95 989
Provision for impairment of loans to individuals	-139 570	-139 570
Other assets	189 330	189 330
Mandatory reserves with Central Bank	23 852	23 852
Premises and equipment	315 318	315 318
Purchase cost	385 258	385 258
Depreciation	-69 940	-69 940
Accrued interest not yet received	6 353	6 353
Other assets	-138 868	-138 868
Provision for impairment of other assets	-17 471	-17 471
Deferred tax asset	146	146
LIABILITIES	3 547 610	3 547 610
Dues to banks	160 913	160 913
Term	145 562	145 562
Central Bank of Russia	145 562	145 562
more than 180 days	145 562	145 562
Other dues to banks	15 351	15 351
On demand	1 309 583	1 309 583
Corporate clients	1 051 532	1 051 532
State-owned enterprises	9 901	9 901
Residents	1 041 631	1 041 631
Individuals	258 051	258 051
Residents	257 164	257 164
Non-residents	887	887
Term	1 988 066	1 988 066
Corporate clients	370 942	370 942
Residents	370 942	370 942
up to 30 days	30 896	30 896
up to 180 days	78 000	78 000
up to 1 year	26 615	26 615
up to 3 years	235 431	235 431
Individuals	1 617 124	1 617 124
residents	1 617 052	1 617 052
up to 180 days	3 157	3 157
up to 1 year	306 138	306 138
up to 3 years	738 509	738 509
more than 3 years	569 248	569 248
non-residents	72	72
up to 3 years	72	72
Other liabilities	89 048	89 048
Other liabilities	64 097	64 097
Accrued interest not yet paid	4 703	4 703
Deferred tax liabilities	20 248	20 248
EQUITY	1 232 175	1 232 175
Capital	821 146	821 146
Profit from previous years	401 764	401 764
Retained earnings from previous years	401 764	401 764
Current year profit	9 265	9 265
Current year retained earnings	9 265	9 265
OFF-BALANCE SHEET	3 969 919	3 969 919
Unused credit limits available	30 000	30 000
Contingent liabilities	-692 456	-692 456
Guarantees issued	-88 821	-88 821
Unused credit limits opened	-603 635	-603 635
Collateral on loans	4 548 722	4 548 722
goods	3 775 706	3 775 706
securities	773 016	773 016
Unprocessed payments	131 256	131 256
Due to lack of funds on client accounts	131 256	131 256
Other off-balance sheet accounts	-47 603	-47 603
Written-off interest	-5 317	-5 317
Written-off loans	-42 286	-42 286
Credit card balances	530	530
Risk-weighted assets	5 019 077	5 019 077
Reserve rates:
Loans to banks:	-0,01%	-100,0%
Customer loans, total:	-6,51%	-100,0%
including corporate loans:	-6,01%	-100,0%
including individual loans:	-9,41%	-100,0%
Past-due rate:	-4,05%	-100,0%
corporate clients:	-2,09%	-100,0%
individuals:	-6,47%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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