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Loans and advances to customers


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Sberbank of the USSR today

Savings bank of the USSR today, Azerbaijan

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Savings bank of the USSR today, Tajikistan

Savings bank of the USSR today, Turkmenistan

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Savings bank of the USSR today, Ukraine

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Loans and advances to customers


Report 2005: [ Company Overview | Balance Sheet | Income Statement | Cash Flows | Cash and Cash Equivalents | Trading Securities | Other Securities | Due from Other Banks | Loans and Advances to Customers | Other Assets | Due to Other Banks | Deposits from Individuals and Customer Accounts | Debt Securities in Issue | Other Borrowed Funds | Other Liabilities | Share Capital and Share Premium | Interest Income and Expense | Fee and Commission Income and Expense | Administrative and Other Operating Expenses | Income Taxes | Earnings per Share | Dividends | Business Segments | Geographical Segments | Geographical Risk | Currency Risk | Liquidity Risk | Capital Adequacy Ratio | Glossary ] [ Ratio Analysis | Statistics | Financial Data Schedule ]



Loans and Advances to Customers.

In thousands of Russian Roubles
 20052004
Current loans1 856 803 1761 357 637 562
Overdue loans19 723 47319 727 722
Reverse sale and repurchase agreements3 839 710-
Less: Provision for loan impairment(93 078 135)(79 359 047)
Total loans and advances to customers1 787 288 2241 298 006 237
Overdue loans represent the amount of overdue loan payments and do not include the entire outstanding balance of the loans with overdue payments.

At 31 December 2005 loans and advances to customers in the amount of RR 3 839 710 thousand (2004: nil) are effectively collateralised by securities purchased under reverse sale and repurchase agreements at a fair value of RR 4 226 544 thousand (2004: nil).


Economic sector risk concentrations within the customer loan portfolio are as follows:

 20052004
Amount%Amount%
Individuals467 832 78424.9265 751 77219.3
Trade405 490 91421.6299 159 62121.7
Services190 506 03910.1107 192 9457.8
Food and agriculture159 428 3328.5123 539 9549.0
Machine building135 887 2587.2125 228 8209.1
Oil, gas and chemical123 466 8606.6109 251 6677.9
Energy69 938 8613.749 207 3773.6
Metallurgy69 498 0843.781 950 3925.9
Construction54 536 1412.951 140 8273.7
Telecommunications48 563 5802.659 063 1064.3
Transport, aviation, space industry33 848 7651.844 278 0313.2
Timber industry19 208 3931.023 360 6091.7
Government and municipal bodies10 450 1060.57 884 8050.6
Other91 710 2424.930 355 3582.2
Total loans and advances to customers, gross1 880 366 359100.01 377 365 284100.0
At 31 December 2005 the Bank had 10 borrowers with aggregated loan amounts above RR 17 100 000 thousand (2004: 10 borrowers with aggregated loan amounts above RR 11 000 000 thousand). The total aggregate amount of these loans was RR 311 442 688 thousand or 16.6% of the total gross loan portfolio (2004: RR 297 153 550 thousand or 21.6%).

At 31 December 2005 the estimated fair value of loans and advances to customers was RR 1 787 288 224 thousand (2004: RR 1 298 006 237 thousand).


Data and information is provided for informational purposes only, and is not intended for trading purposes.
Neither www.sberbank.biz nor any of its data or content providers shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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