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	NORVIK BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 1407

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.

Balance sheet position, thous. rub.	01.10.2011	>> Turnover >>	01.11.2011 01.10.2011 01.09.2011 01.08.2011 01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009 01.10.2009 01.09.2009 01.08.2009 01.07.2009 01.06.2009 01.05.2009 01.04.2009 01.03.2009 01.02.2009 01.01.2009 01.12.2008 01.11.2008 01.10.2008 01.09.2008 01.08.2008 01.07.2008 01.06.2008 01.05.2008 01.04.2008 01.03.2008 01.02.2008 01.01.2008	Turnover / amount	Turnover / assets	Period change
ASSETS	1 032 602	391 366 988	982 282	379,0	398,4	-50 320	-4,9%
High liquid assets	180 233	8 002 085	168 635	44,4	8,1	-11 598	-6,4%
Cash and equivalents	57 875	2 417 874	36 768	41,8	2,5	-21 107	-36,5%
Cash	15 945	53 771	12 521	3,4	0,1	-3 424	-21,5%
in cash and en route	15 945	53 771	12 521	3,4	0,1	-3 424	-21,5%
Nostro account with Central Bank	41 930	2 364 103	24 247	56,4	2,4	-17 683	-42,2%
Nostro accounts	13 983	2 162 969	30 215	154,7	2,2	16 232	116,1%
Non-residents	587	2 054 873	9 193	3 500,6	2,1	8 606	1 466,1%
Residents	13 396	108 096	21 022	8,1	0,1	7 626	56,9%
Money in transfer	-	4	-	-	-	-	-
Exchange accounts	108 375	3 437 470	101 652	31,7	3,5	-6 723	-6,2%
Interest-earning assets	807 273	130 844	806 229	0,2	0,1	-1 044	-0,1%
Dues from banks	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Securities	-	-	-	-	-	-	-
Bonds	-	-	-	-	-	-	-
Past-due	7 917	-	7 917	0,0	0,0	-	0,0%
Provision for impairment of bonds	-7 917	-	-7 917	0,0	0,0	-	0,0%
Loans to corporate clients	802 073	130 844	797 279	0,2	0,1	-4 794	-0,6%
residents	879 383	123 780	888 624	0,1	0,1	9 241	1,1%
up to 30 days	7 383	83 139	54 791	11,3	0,1	47 408	642,1%
up to 180 days	120 000	78 641	82 000	0,7	0,1	-38 000	-31,7%
up to 1 year	751 000	-	751 000	0,0	0,0	-	0,0%
up to 3 years	1 000	167	833	0,2	0,0	-167	-16,7%
Provision for impairment of corporate loans	-77 310	16 305	-91 345	0,2	0,0	-14 035	18,2%
residents	-77 310	16 305	-91 345	0,2	0,0	-14 035	18,2%
Loans to individuals	5 200	3 750	8 950	0,7	0,0	3 750	72,1%
Standard	5 200	3 750	8 950	0,7	0,0	3 750	72,1%
up to 3 years	5 200	3 750	8 950	0,7	0,0	3 750	72,1%
Other assets	45 096	383 234 059	7 418	8 498,2	390,1	-37 678	-83,6%
Mandatory reserves with Central Bank	3 403	1 011	3 927	0,3	0,0	524	15,4%
Premises and equipment	806	40 868	768	50,7	0,0	-38	-4,7%
Purchase cost	2 194	40 832	2 192	18,6	0,0	-2	-0,1%
Depreciation	-1 388	36	-1 424	0,0	0,0	-36	2,6%
Accrued interest not yet received	-	11 104	12	-	-	12	-
Non-current assets	40 762	40 762	-	1,0	0,0	-40 762	-100,0%
Other assets	1 180	383 141 712	5 212	324 696,4	390,1	4 032	341,7%
Provision for impairment of other assets	-1 055	3 170	-2 501	3,0	0,0	-1 446	137,1%
LIABILITIES	313 260	384 371 274	269 252	1 227,0	391,3	-44 008	-14,0%
Dues to banks	153 376	180 326	176 653	1,2	0,2	23 277	15,2%
On demand	1	30 000	30 001	30 000,0	0,0	30 000	3 000 000,0%
Residents	-	30 000	30 000	-	-	30 000	-
Non-residents	1	-	1	0,0	0,0	-	0,0%
Term	153 375	157 049	146 652	1,0	0,2	-6 723	-4,4%
Residents	45 000	145 000	45 000	3,2	0,1	-	0,0%
up to 30 days	45 000	145 000	45 000	3,2	0,1	-	0,0%
Non-residents	108 375	12 049	101 652	0,1	0,0	-6 723	-6,2%
up to 180 days	108 375	12 049	101 652	0,1	0,0	-6 723	-6,2%
more than 180 days	-	-	-	-	-	-	-
On demand	116 060	839 543	92 484	7,2	0,9	-23 576	-20,3%
Corporate clients	116 025	839 543	92 449	7,2	0,9	-23 576	-20,3%
State-owned enterprises	49	1 290	4	26,3	0,0	-45	-91,8%
Residents	114 342	807 752	85 087	7,1	0,8	-29 255	-25,6%
Non-residents	1 634	36 225	7 358	22,2	0,0	5 724	350,3%
Individuals	35	-	35	0,0	0,0	-	0,0%
Residents	34	-	34	0,0	0,0	-	0,0%
Non-residents	1	-	1	0,0	0,0	-	0,0%
Term	-	-	-	-	-	-	-
Corporate clients	-	-	-	-	-	-	-
Non-residents	-	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-	-
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-	-
Other liabilities	43 824	383 374 682	115	8 748,1	390,3	-43 709	-99,7%
Other liabilities	43 790	383 374 435	87	8 754,8	390,3	-43 703	-99,8%
Accrued interest not yet paid	34	247	28	7,3	0,0	-6	-17,6%
EQUITY	719 342	754 298	713 030	1,0	0,8	-6 312	-0,9%
Capital	700 000	-	700 000	0,0	0,0	-	0,0%
Profit from previous years	-43 018	-	-43 018	0,0	0,0	-	0,0%
Retained earnings from previous years	-43 018	-	-43 018	0,0	0,0	-	0,0%
Current year profit	62 529	754 280	56 196	12,1	0,8	-6 333	-10,1%
Current year retained earnings	62 529	754 280	56 196	12,1	0,8	-6 333	-10,1%
Future expenses	-169	39	-148	0,2	0,0	21	-12,4%
OFF-BALANCE SHEET	12 732	210 731	-63 631	16,6	0,2	-76 363	-599,8%
Contingent liabilities	-26 360	210 731	-102 723	8,0	0,2	-76 363	289,7%
Guarantees issued	-20 943	10 479	-10 464	0,5	0,0	10 479	-50,0%
Unused credit limits opened	-5 417	210 731	-92 259	38,9	0,2	-86 842	1 603,1%
Collateral on loans	42 481	-	42 481	0,0	0,0	-	0,0%
goods	42 481	-	42 481	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-3 389	-	-3 389	0,0	0,0	-	0,0%
Written-off interest	-464	-	-464	0,0	0,0	-	0,0%
Written-off loans	-2 925	-	-2 925	0,0	0,0	-	0,0%
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.