Kuap. Ru - Balance sheet of ВОЛГА-КРЕДИТ, analysis of f.101

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	VOLGA-KREDIT	add to comparison
Central Bank of Russia registration number: 1153 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	7 717 240	7 717 240
High liquid assets	485 868	485 868
Cash and equivalents	449 404	449 404
Cash	240 178	240 178
in cash and en route	226 494	226 494
in ATMs	13 684	13 684
Nostro account with Central Bank	209 226	209 226
Nostro accounts	35 568	35 568
Residents	35 568	35 568
Money in transfer	899	899
Provision for impairment of high-liquid assets	-3	-3
Interest-earning assets	6 781 245	6 781 245
Dues from banks	155 258	155 258
Central Bank of Russia	150 000	150 000
Non-residents	5 258	5 258
more than 180 days	5 258	5 258
Securities	2 584 579	2 584 579
Bonds	1 572 133	1 572 133
Federal Loan Bonds (OFZs), OBRs	1 577 051	1 577 051
Valuation allowance	-4 918	-4 918
Promissory notes	272 130	272 130
Banks	272 130	272 130
Stocks	283	283
Residents	361	361
Valuation allowance	10	10
Provision for impairment of stocks	-88	-88
Mutual funds	740 033	740 033
Loans to corporate clients	3 647 743	3 647 743
residents	4 248 763	4 248 763
up to 30 days	2 313	2 313
up to 1 year	251 680	251 680
up to 3 years	3 910 506	3 910 506
more than 3 years	84 264	84 264
Past-due	24 794	24 794
residents	24 794	24 794
Provision for impairment of corporate loans	-625 814	-625 814
residents	-625 814	-625 814
Loans to individuals	393 665	393 665
Standard	550 686	550 686
up to 30 days	696	696
up to 180 days	526	526
up to 1 year	2 077	2 077
up to 3 years	537 027	537 027
more than 3 years	10 360	10 360
Past-due	2 853	2 853
Past-due	2 853	2 853
Provision for impairment of loans to individuals	-159 874	-159 874
Other assets	450 127	450 127
Mandatory reserves with Central Bank	207 596	207 596
Premises and equipment	219 471	219 471
Purchase cost	358 111	358 111
Depreciation	-138 640	-138 640
Accrued interest not yet received	70	70
Other assets	17 255	17 255
Provision for impairment of other assets	-2 190	-2 190
Deferred tax asset	7 925	7 925
LIABILITIES	6 810 572	6 810 572
On demand	860 160	860 160
Corporate clients	650 162	650 162
State-owned enterprises	809	809
Residents	649 331	649 331
Non-residents	22	22
Individuals	209 950	209 950
Residents	209 835	209 835
Non-residents	115	115
Brokerage accounts	48	48
Residents	48	48
Term	5 692 191	5 692 191
Corporate clients	502 731	502 731
Residents	202 731	202 731
up to 180 days	77 961	77 961
up to 1 year	24 770	24 770
more than 3 years	100 000	100 000
Non-residents	300 000	300 000
more than 3 years	300 000	300 000
Individuals	5 189 460	5 189 460
residents	5 185 320	5 185 320
up to 180 days	39 381	39 381
up to 1 year	933 653	933 653
up to 3 years	4 212 286	4 212 286
non-residents	4 140	4 140
up to 1 year	123	123
up to 3 years	4 017	4 017
Securities issued	216 733	216 733
Promissory notes	216 733	216 733
on demand	29 644	29 644
up to 180 days	116 418	116 418
up to 1 year	60 476	60 476
up to 3 years	10 181	10 181
more than 3 years	20	20
Discount accrued	-6	-6
Other liabilities	41 488	41 488
Other liabilities	9 013	9 013
Accrued interest not yet paid	5 344	5 344
Deferred tax liabilities	27 131	27 131
EQUITY	906 668	906 668
Capital	667 665	667 665
Profit from previous years	322 086	322 086
Retained earnings from previous years	322 086	322 086
Current year profit	-69 209	-69 209
Current year retained earnings	-69 209	-69 209
Future expenses	-13 874	-13 874
OFF-BALANCE SHEET	561 662	561 662
Contingent liabilities	-96 068	-96 068
Guarantees issued	-65 032	-65 032
Unused credit limits opened	-31 036	-31 036
Collateral on loans	502 712	502 712
goods	502 712	502 712
Unprocessed payments	248 709	248 709
Due to lack of funds on client accounts	248 709	248 709
Other off-balance sheet accounts	-93 691	-93 691
Accrued interest not yet received	14 112	14 112
Written-off interest	-58 948	-58 948
Written-off loans	-48 855	-48 855
Credit card balances	696	696
Risk-weighted assets	5 338 246	5 338 246
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-16,28%	-100,0%
including corporate loans:	-14,64%	-100,0%
including individual loans:	-28,88%	-100,0%
Past-due rate:	-0,57%	-100,0%
corporate clients:	-0,58%	-100,0%
individuals:	-0,52%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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