Annual report 2011 - VTB

VTB BankNotes to the Consolidated Financial Statements – 31 December 2011 and 2010(in billions of Russian Roubles)38. Financial Risk Management (continued)Credit quality by class of loans and advances to customers (continued)The table below shows credit quality by class of loans and advances to customers (gross) at 31 December 2010,individually assessed. For individually assessed loans, which were not qualified as impaired, allowance wassubsequently calculated on a collective basis.Not impairedImpairedPass WatchSubstandardDoubtful Loss TotalLoans to legal entities 1,074.9 129.2 264.7 55.2 183.9 1,707.9Finance leases 20.0 34.5 0.2 13.5 8.6 76.8Current activity financing 451.6 78.9 102.5 32.2 112.3 777.5Reverse sale and repurchaseagreements 16.1 0.4 – – – 16.5Project finance and other 587.2 15.4 162.0 9.5 63.0 837.1Loans to individuals 6.6 – 0.3 1.3 4.8 13.0Mortgages 1.3 – 0.3 0.7 4.4 6.7Car loans – – – – 0.1 0.1Consumer loans and other 5.3 – – 0.6 0.3 6.2Total loans and advances tocustomers individually assessed 1,081.5 129.2 265.0 56.5 188.7 1,720.9The table below shows credit quality by class of loans and advances to customers (gross) at 31 December 2010,collectively assessed.SubstandardDoubtful Loss Pass WatchTotalLoans to legal entities 479.7 133.3 161.9 22.0 13.3 810.2Finance leases 54.3 10.6 0.5 – – 65.4Current activity financing 359.8 108.1 158.2 21.4 13.2 660.7Reverse sale and repurchaseagreements 32.3 – – – – 32.3Project finance and other 33.3 14.6 3.2 0.6 0.1 51.8Loans to individuals 473.6 1.9 9.8 15.9 27.3 528.5Mortgages 192.7 0.3 2.7 13.2 1.6 210.5Car loans 48.2 1.1 0.2 0.5 2.7 52.7Reverse sale and repurchaseagreements 3.1 – – – – 3.1Consumer loans and other 229.6 0.5 6.9 2.2 23.0 262.2Total loans and advances tocustomers collectively assessed 953.3 135.2 171.7 37.9 40.6 1,338.768