Annual report 2011 - VTB

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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 and financial assets classified asloans and advances to customers pledged under repurchase agreements (gross) at 31 December 2011, neither pastdue nor impaired.SubstandardDoubtful Loss Pass WatchTotalLoans to legal entities 2,613.4 539.8 354.2 0.5 0.1 3,508.0Finance leases 189.4 29.0 4.1 – – 222.5Current activity financing 1,343.0 389.3 218.3 0.5 0.1 1,951.2Reverse sale and repurchaseagreements 115.2 – – – – 115.2Project finance and other 965.8 121.5 131.8 – – 1,219.1Financial assets classified as loansand advances to customerspledged under repurchaseagreements 188.3 – – – – 188.3Current activity financing 188.3 – – – – 188.3Loans to individuals 743.7 3.9 13.0 7.0 12.9 780.5Mortgages 283.9 0.1 2.7 3.5 1.3 291.5Car loans 69.9 1.5 0.1 0.3 0.7 72.5Reverse sale and repurchaseagreements 3.4 – – – – 3.4Consumer loans and other 386.5 2.3 10.2 3.2 10.9 413.1Total loans and advances tocustomers and financial assetsclassified as loans and advances tocustomers pledged underrepurchase agreements 3,545.4 543.7 367.2 7.5 13.0 4,476.8The table below shows credit quality by class of loans and advances (gross) to customers at 31 December 2010,neither past due nor impaired.SubstandardDoubtful Loss Pass WatchTotalLoans to legal entities 1,549.9 256.9 423.5 20.1 1.3 2,251.7Finance leases 74.4 41.1 0.7 – – 116.2Current activity financing 808.2 185.4 257.8 20.1 1.2 1,272.7Reverse sale and repurchaseagreements 48.4 0.4 – – – 48.8Project finance and other 618.9 30.0 165.0 – 0.1 814.0Loans to individuals 478.8 1.5 9.4 8.1 10.4 508.2Mortgages 192.6 – 2.7 5.6 1.1 202.0Car loans 48.3 1.0 0.2 0.5 0.8 50.8Reverse sale and repurchaseagreements 3.1 – – – – 3.1Consumer loans and other 234.8 0.5 6.5 2.0 8.5 252.3Total loans and advances tocustomers 2,028.7 258.4 432.9 28.2 11.7 2,759.969
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)Analysis of loans and advances to customers (gross) individually impaired by economic sector at 31 December 2011and 2010 is presented in the table below.31 December 31 December20112010Trade and commerce 47.6 56.2Building construction 47.0 41.7Oil and gas 46.3 44.2Manufacturing 25.5 32.4Food and agriculture 24.7 23.1Transport 16.1 19.9Finance 7.3 8.3Individuals 7.1 6.1Metals 6.1 2.3Chemical 2.6 1.6Telecommunications and media 1.3 0.7Energy 0.8 0.7Coal mining 0.7 2.9Other 6.6 5.1Total loans and advances to customers individually impaired 239.7 245.2Ageing analysis (by days of delay in repayment) of past due, but not impaired loans and advances to customers(gross) by class at 31 December 2011 is presented in the table below.From 1 to30 daysFrom 31 to60 daysFrom 61 to90 daysFrom 91 to180 daysFrom 181days to1 yearMore than1 year TotalLoans to legal entities 10.0 1.8 4.8 12.2 4.8 7.3 40.9Finance leases 5.6 0.1 0.9 0.6 0.8 1.3 9.3Current activity financing 3.6 0.9 0.5 3.1 0.4 4.4 12.9Project finance and other 0.8 0.8 3.4 8.5 3.6 1.6 18.7Loans to individuals 17.8 1.5 1.2 0.2 0.1 0.7 21.5Mortgages 4.8 1.0 1.1 0.1 – 0.2 7.2Car loans 1.7 0.1 – – – 0.1 1.9Consumer loans and other 11.3 0.4 0.1 0.1 0.1 0.4 12.4Total loans and advances tocustomers past due but notimpaired 27.8 3.3 6.0 12.4 4.9 8.0 62.4Ageing analysis (by days of delay in repayment) of past due, but not impaired loans and advances to customers(gross) by class at 31 December 2010 is presented in the table below.From 1 to30 daysFrom 31 to60 daysFrom 61 to90 daysFrom 91 to180 daysFrom 181days to1 yearMore than1 year TotalLoans to legal entities 2.2 2.7 3.2 5.2 21.7 17.7 52.7Finance leases 0.2 – – 0.3 16.5 1.2 18.2Current activity financing 1.8 1.1 2.4 4.6 5.2 15.4 30.5Project finance and other 0.2 1.6 0.8 0.3 – 1.1 4.0Loans to individuals 13.0 0.8 1.3 0.7 3.5 19.5 38.8Mortgages 5.0 0.7 1.2 0.4 1.1 6.0 14.4Car loans 1.2 – – – 0.3 1.5 3.0Consumer loans and other 6.8 0.1 0.1 0.3 2.1 12.0 21.4Total loans and advances tocustomers past due but notimpaired 15.2 3.5 4.5 5.9 25.2 37.2 91.570
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VTB Annual Report 2011Statement of
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VTB Annual Report 20111. Financial
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VTB Annual Report 20113. The econom
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VTB Annual Report 20113. The econom
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VTB Annual Report 20114. Management
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Today, about 16 million individuals
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VTB Annual Report 20115. Corporate
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VTB Annual Report 20118. 8. Выд
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VTB Annual Report 20118. Summary co
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VTB Annual Report 20119. Summary fi
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VTB Annual Report 201111. Other Gro
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VTB Annual Report 201111. Other Gro
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VTB Annual Report 201112. Sharehold
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VTB Annual Report 2011144VTB places
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VTB BankConsolidated Financial Stat
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VTB BankConsolidated Statements of
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Annual report 2011 - VTB

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