Annual Report - VÃB banka
Annual Report - VÃB banka
Annual Report - VÃB banka
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The re-pricing structure of assets and liabilities for the non-trading portfolios was as follows:<br />
Up to 1 to 3 3 months 1 to 5 Over<br />
31 December 2007 1 month months to 1 year years 5 years Total<br />
Assets<br />
Cash and balances with central banks 2,722 - 180 720 900 4,522<br />
Loans and advances to banks 1,156 559 265 157 - 2,137<br />
Derivative fi nancial instruments - - 2,832 - - 2,832<br />
Available-for-sale fi nancial assets 103 9 904 1,949 10 2,975<br />
Loans and advances to customers 24,904 36,375 48,035 26,646 5,453 141,413<br />
Held-to-maturity investments 19,413 7,339 23,925 25,363 26,170 102,210<br />
Investments in associates and JVs - - 15 58 73 146<br />
48,298 44,282 76,156 54,893 32,606 256,235<br />
Liabilities<br />
Deposits from central and other banks (10,148) (2,295) (2,200) - - (14,643)<br />
Derivative fi nancial instruments - - (2,276) (592) - (2,868)<br />
Deposits from customers (119,958) (16,187) (20,317) (16,840) (19,023) (192,325)<br />
Debt securities in issue (2,032) (10,430) (6,522) (6,667) (6,135) (31,786)<br />
(132,138) (28,912) (31,315) (24,099) (25,158) (241,622)<br />
Net position of fi nancial instruments (83,840) 15,370 44,841 30,794 7,448 14,613<br />
Up to 1 to 3 3 months 1 to 5 Over<br />
31 December 2006 1 month months to 1 year years 5 years Total<br />
Assets<br />
Cash and balances with central banks 3,026 - 190 759 949 4,924<br />
Loans and advances to banks 1,833 543 148 402 - 2,926<br />
Available-for-sale fi nancial assets 29 9 33 2,900 35 3,006<br />
Loans and advances to customers 27,985 21,080 27,322 19,517 3,958 99,862<br />
Held-to-maturity investments 10,012 1,071 38,435 22,374 26,437 98,329<br />
Investments in associates and JVs - - 14 56 69 139<br />
42,885 22,703 66,142 46,008 31,448 209,186<br />
Liabilities<br />
Deposits from central and other banks (5,046) (1,989) (65) (1,662) - (8,762)<br />
Deposits from customers (107,795) (13,549) (15,349) (14,576) (15,628) (166,897)<br />
Debt securities in issue (3,119) (6,637) (2,943) (6,910) (4,767) (24,376)<br />
(115,960) (22,175) (18,357) (23,148) (20,395) (200,035)<br />
Net position of fi nancial instruments (73,075) 528 47,785 22,860 11,053 9,151<br />
59<br />
The average interest rates for fi nancial assets and liabilities were as follows:<br />
Assets<br />
2007 2006<br />
% %<br />
Cash and balances with central banks 1.51 1.35<br />
Loans and advances to banks 3.89 3.64<br />
Financial assets held for trading 4.14 4.40<br />
Available-for-sale fi nancial assets 3.84 3.57<br />
Loans and advances to customers 7.64 7.77<br />
Held-to-maturity investments 4.37 3.85<br />
Liabilities<br />
Deposit from banks 3.96 2.72<br />
Deposits from customers 2.36 2.00<br />
Debt securities in issue 4.33 4.34<br />
VUB, a bank of Intesa Sanpaolo group