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

	NOVIKOMBANK	add to comparison
Central Bank of Russia registration number: 2546 state-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 275-FZ (work with defence procurement), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	667 615 989	667 615 989
High liquid assets	49 710 142	49 710 142
Cash and equivalents	37 436 175	37 436 175
Cash	4 358 791	4 358 791
in cash and en route	2 900 916	2 900 916
in ATMs	1 451 157	1 451 157
precious metals	6 718	6 718
Nostro account with Central Bank	33 077 384	33 077 384
Nostro accounts	11 785 020	11 785 020
Non-residents	619 476	619 476
Residents	11 165 544	11 165 544
Money in transfer	507 075	507 075
Provision for impairment of high-liquid assets	-18 128	-18 128
Interest-earning assets	575 600 655	575 600 655
Dues from banks	197 719 443	197 719 443
Central Bank of Russia	120 000 000	120 000 000
Residents	77 493 791	77 493 791
up to 30 days	68 389 155	68 389 155
up to 180 days	9 104 636	9 104 636
Non-residents	225 652	225 652
up to 30 days	160 000	160 000
more than 180 days	65 652	65 652
Loans past-due	246 327	246 327
non-residents	246 327	246 327
Provision for impairment of loans to banks	-246 327	-246 327
Securities	16 860 161	16 860 161
Bonds	16 852 830	16 852 830
Federal Loan Bonds (OFZs), OBRs	298 756	298 756
Corporate bonds	3 333 536	3 333 536
Financial institutions bonds	4 069 864	4 069 864
Corporate foreign bonds	9 189 380	9 189 380
Valuation allowance	-67	-67
Provision for impairment of bonds	-38 639	-38 639
Stocks	7 331	7 331
Residents	12 017	12 017
Valuation allowance	-4 686	-4 686
Loans to corporate clients	350 099 168	350 099 168
residents	262 313 852	262 313 852
up to 30 days	7 020 237	7 020 237
up to 180 days	20 634 781	20 634 781
up to 1 year	41 119 639	41 119 639
up to 3 years	112 051 483	112 051 483
more than 3 years	81 487 712	81 487 712
state-owned enterprises	90 013 108	90 013 108
up to 180 days	10 113 877	10 113 877
up to 1 year	9 438 460	9 438 460
up to 3 years	37 203 777	37 203 777
more than 3 years	33 256 994	33 256 994
Past-due	33 949 273	33 949 273
residents	24 153 700	24 153 700
non-residents	9 002 101	9 002 101
state-owned enterprises	793 472	793 472
Provision for impairment of corporate loans	-36 177 065	-36 177 065
residents	-25 998 623	-25 998 623
non-residents	-8 901 448	-8 901 448
state-owned enterprises	-1 276 994	-1 276 994
Loans to private entrepreneurs	1	1
Past-due	48	48
Provision for impairment of loans to private entrepreneurs	-47	-47
Loans to individuals	10 921 882	10 921 882
Standard	11 341 740	11 341 740
up to 30 days	37 887	37 887
up to 180 days	162	162
up to 1 year	23 654	23 654
up to 3 years	666 007	666 007
more than 3 years	10 614 030	10 614 030
Past-due	295 599	295 599
Past-due	295 599	295 599
Provision for impairment of loans to individuals	-715 457	-715 457
Other assets	42 305 192	42 305 192
Mandatory reserves with Central Bank	4 881 405	4 881 405
Premises and equipment	13 672 680	13 672 680
Purchase cost	15 064 247	15 064 247
Depreciation	-1 391 567	-1 391 567
Accrued interest not yet received	3 814 845	3 814 845
Other assets	20 585 864	20 585 864
Provision for impairment of other assets	-1 135 524	-1 135 524
Derivatives - assets	5	5
Deferred tax asset	485 917	485 917
LIABILITIES	609 828 198	609 828 198
Dues to banks	17 517 077	17 517 077
On demand	14 364 381	14 364 381
Residents	1 478 070	1 478 070
Non-residents	12 886 311	12 886 311
Term	3 152 696	3 152 696
Central Bank of Russia	1 709 486	1 709 486
up to 180 days	160 219	160 219
more than 180 days	1 549 267	1 549 267
Residents	1 433 210	1 433 210
up to 30 days	1 000 000	1 000 000
up to 180 days	433 210	433 210
Non-residents	10 000	10 000
up to 180 days	10 000	10 000
On demand	238 874 099	238 874 099
Corporate clients	227 015 852	227 015 852
State-owned enterprises	75 994 462	75 994 462
Residents	150 413 256	150 413 256
Non-residents	608 134	608 134
Individuals	11 811 122	11 811 122
Residents	11 664 125	11 664 125
Non-residents	146 997	146 997
Brokerage accounts	47 125	47 125
Residents	7 596	7 596
Non-residents	39 529	39 529
Term	343 887 544	343 887 544
Corporate clients	309 288 031	309 288 031
Residents	106 893 555	106 893 555
up to 30 days	47 375 523	47 375 523
up to 180 days	31 404 947	31 404 947
up to 1 year	8 372 232	8 372 232
up to 3 years	16 022 262	16 022 262
more than 3 years	3 718 591	3 718 591
State-owned enterprises	202 394 476	202 394 476
up to 30 days	35 609 088	35 609 088
up to 180 days	69 087 611	69 087 611
up to 1 year	70 219 388	70 219 388
up to 3 years	17 575 349	17 575 349
more than 3 years	9 903 040	9 903 040
Individuals	34 599 513	34 599 513
residents	33 926 580	33 926 580
up to 180 days	743 341	743 341
up to 1 year	1 721 208	1 721 208
up to 3 years	30 905 697	30 905 697
more than 3 years	556 334	556 334
non-residents	672 933	672 933
up to 180 days	31 231	31 231
up to 1 year	106 039	106 039
up to 3 years	535 660	535 660
more than 3 years	3	3
Securities issued	949 898	949 898
Promissory notes	949 898	949 898
on demand	81 092	81 092
up to 180 days	77 852	77 852
up to 1 year	21 445	21 445
up to 3 years	514 076	514 076
more than 3 years	255 433	255 433
Other liabilities	8 599 580	8 599 580
Other liabilities	6 039 959	6 039 959
Accrued interest not yet paid	2 559 616	2 559 616
Derivatives - liabilities	5	5
EQUITY	57 787 791	57 787 791
Capital	27 992 219	27 992 219
Profit from previous years	28 380 734	28 380 734
Retained earnings from previous years	28 380 734	28 380 734
Current year profit	1 414 838	1 414 838
Current year retained earnings	1 414 838	1 414 838
OFF-BALANCE SHEET	-47 682 992	-47 682 992
Unused credit limits available	5 000 000	5 000 000
Contingent liabilities	-207 120 271	-207 120 271
Guarantees issued	-71 631 684	-71 631 684
Unused credit limits opened	-123 488 471	-123 488 471
Unused guarantee limits	-12 000 116	-12 000 116
Collateral on loans	109 640 016	109 640 016
goods	87 472 773	87 472 773
securities	22 167 243	22 167 243
Unprocessed payments	47 133 375	47 133 375
Due to lack of funds on client accounts	47 133 375	47 133 375
Other off-balance sheet accounts	-2 336 112	-2 336 112
Written-off interest	-102 239	-102 239
Written-off loans to banks	-1 732 838	-1 732 838
Written-off loans	-501 035	-501 035
Credit card balances	37 887	37 887
Risk-weighted assets	545 080 529	545 080 529
Reserve rates:
Loans to banks:	-0,12%	-100,0%
Customer loans, total:	-9,27%	-100,0%
including corporate loans:	-9,37%	-100,0%
including individual loans:	-6,15%	-100,0%
Past-due rate:	-8,61%	-100,0%
corporate clients:	-8,79%	-100,0%
individuals:	-2,54%	-100,0%