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НАЦІОНАЛЬНИЙ БАНК УКРАЇНИ
Департамент безвиїзного банківського нагляду
Л И С Т
Банкам (за списком)
Щодо діагностичного обстеження банків 3 та 4 груп
З метою надання банками 3 та 4 груп в єдиному форматі інформації про результати діагностичного обстеження Департамент безвиїзного банківського нагляду направляє для використання у роботі формат таблиць до Звіту про результати діагностичного обстеження банку, який передбачений постановою Правління Національного банку України від 19.02.2009
N 80 "Про здійснення діагностичного обстеження банків 2, 3 та 4 груп", викладений англійською мовою (далі - Звіт).
Банкам необхідно терміново надати аудиторській фірмі, яка здійснює діагностичне обстеження, відповідний формат Звіту для його заповнення (додається).
Директор Департаменту
безвиїзного банківського
нагляду |
В.І.Мазепа |
Додаток
Table N 1
Capital Adequacy of
_________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
------------------------------------------------------------------
| | Indicator |Bank's data |Data according |Data according |
| | | |to the results |to the results |
| | | | of the | of the |
| | | | Diagnostic | Diagnostic |
| | | | Analysis |Analysis taking|
| | | | | into account |
| | | | | the |
| | | | |requirements of|
| | | | | the |
| | | | | Methodology |
|---+---------------+------------+---------------+---------------|
|1 |Regulator y | | | |
| |Capital | | | |
|---+---------------+------------+---------------+---------------|
|2. |Assets used for| | | |
| |the calculation| | | |
| |of the capital | | | |
| |adequacy limit | | | |
| |(H2), including| | | |
| |off-Balance | | | |
| |sheet | | | |
| |instruments | | | |
|---+---------------+------------+---------------+---------------|
|3 |The regulatory | #DIV/0! | #DIV/0! | #DIV/0! |
| |capital | | | |
| |adequacy (H2), | | | |
| |% | | | |
|---+---------------+------------+---------------+---------------|
| | | | | |
|---+---------------+------------+---------------+---------------|
|4 |The amount of | 0 | 0 | 0 |
| |the regulatory | | | |
| |capital | | | |
| |required to | | | |
| |meet the | | | |
| |regulatory | | | |
| |capital | | | |
| |adequacy limit | | | |
| |(H2) of 10% | | | |
------------------------------------------------------------------
"__" ____________ 200_
Bank's President/Chairman ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 2.1
Adjustments of the regulatory Capital of
__________________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
---------------------------------------------------------------------
| N | The |The implications of| Balance sheet accounts |
| |adjustment|adjustments for the|-----------------------------|
| | | Regulatory Capital| Debit | Credit |
| | | according to the |--------------+--------------|
| | | results of the |account|amount|account|amount|
| | | Diagnostic | | | | |
| | | Analysis | | | | |
| | | ("+" increase, "-"| | | | |
| | | descrease) | | | | |
|------+----------+-------------------+-------+------+-------+------|
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| 1. | | | | | | |
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| 2. | | | | | | |
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| 3. | | | | | | |
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
| | | | | | | |
|------+----------+-------------------+-------+------+-------+------|
|......| | | | | | |
---------------------------------------------------------------------
"__" ____________ 200_
Bank's President/Chairman ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 2.2
Adjustments of the regulatory Capital of
__________________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
-------------------------------------------------------------------------
| N | Зміст | The implications | Balance sheet accounts |
| з/п |коригування|of adjustments for the|-----------------------------|
| | | Regulatory Capital | Debit | Credit |
| | | according to the |--------------+--------------|
| | | results of the |account|amount|account|amount|
| | | Diagnostic | | | | |
| | | Analysistaking | | | | |
| | | into account the | | | | |
| | | requirements of the | | | | |
| | | Methodology | | | | |
| | | ("+" increase, "-" | | | | |
| | | descrease) | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| 1. | | | | | | |
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| 2. | | | | | | |
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| 3. | | | | | | |
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
| | | | | | | |
|------+-----------+----------------------+-------+------+-------+------|
|......| | | | | | |
-------------------------------------------------------------------------
"__" ____________ 200_
Bank's President/Chairman ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 3
Structure of the Regulatory Capital
________________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
------------------------------------------------------------------
| N | Indicator |Banks data | Data | Data |
| | | |according to |according to |
| | | | the results | the results |
| | | | of the | of the |
| | | | Diagnostic | Diagnostic |
| | | | Analysis | Analysis |
| | | | | taking into |
| | | | | account the |
| | | | |requirements |
| | | | | of the |
| | | | | Methodology |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| I |Bank's | | | |
| |Regulatory | | | |
| |capital | | | |
| |(II + (III) - | | | |
| |IV - V) | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| II |Core capital | | | |
| |(1st tier | | | |
| |capital) | | | |
| |(1 + 2 - 3) | | | |
|-------+----------------+-----------+-------------+-------------|
| |of which: | | | |
|-------+----------------+-----------+-------------+-------------|
| 1 |Actually paid | | | |
| |registered | | | |
| |authorized | | | |
| |capital | | | |
|-------+----------------+-----------+-------------+-------------|
| 2 |Disclosed | | | |
| |reserves | | | |
| |established and | | | |
| |increased from | | | |
| |the retained | | | |
| |profit | | | |
|-------+----------------+-----------+-------------+-------------|
| 3 |Decrease in the | | | |
| |OK (the amount | | | |
| |of | | | |
| |underaccumutated| | | |
| |reserves; | | | |
| |intangible | | | |
| |assets minus | | | |
| |depreciation; | | | |
| |capital | | | |
| |investments in | | | |
| |intangible | | | |
| |assets; losses | | | |
| |of the previous | | | |
| |and current | | | |
| |years) | | | |
|-------+----------------+-----------+-------------+-------------|
| |of which: | | | |
|-------+----------------+-----------+-------------+-------------|
| 3.1 |underaccumulated| | | |
| |reserves for | | | |
| |asset | | | |
| |operations | | | |
|-------+----------------+-----------+-------------+-------------|
| 3.2 |estimated losses| | | |
| |of the current | | | |
| |year | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| III |Suplementary | | | |
| |capital (2 tier | | | |
| |capital) (1 + | | | |
| |2 + 3 + 4 + 5) | | | |
|-------+----------------+-----------+-------------+-------------|
| |of which: | | | |
|-------+----------------+-----------+-------------+-------------|
| 1. |Reserves to the | | | |
| |standard other | | | |
| |banks' debts, | | | |
| |standard | | | |
| |customer loans | | | |
| |and off-balance | | | |
| |sheet commitment| | | |
| |(taking into | | | |
| |account fixed | | | |
| |assets | | | |
| |revaluation) | | | |
|-------+----------------+-----------+-------------+-------------|
| 2. |Revaluation of | | | |
| |fixed assets | | | |
|-------+----------------+-----------+-------------+-------------|
| 3. |Estimated profit| | | |
| |of the current | | | |
| |year | | | |
|-------+----------------+-----------+-------------+-------------|
| 4. |Profits of | | | |
| |previous years | | | |
|-------+----------------+-----------+-------------+-------------|
| 5. |Subordinated | | | |
| |debt, included | | | |
| |in the capital | | | |
|-------+----------------+-----------+-------------+-------------|
|(III) |Additional | | | |
| |capital before | | | |
| |calculations | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| IV |Deductions (1 + | | | |
| |2 + 3 + 4 + 5 + | | | |
| |6 + 7 + 8) | | | |
|-------+----------------+-----------+-------------+-------------|
| |of which: | | | |
|-------+----------------+-----------+-------------+-------------|
| 1 |Balance sheet | | | |
| |value of shares | | | |
| |and other | | | |
| |securities with | | | |
| |non-fixed yield,| | | |
| |issued by banks | | | |
| |in the Bank's | | | |
| |trading | | | |
| |portfolio and | | | |
| |the Bank's | | | |
| |portfolio for | | | |
| |sales | | | |
|-------+----------------+-----------+-------------+-------------|
| 2 |total | | | |
| |investments in | | | |
| |associated | | | |
| |institutions and| | | |
| |subsidiaries, as| | | |
| |well investments| | | |
| |in other | | | |
| |institutions' | | | |
| |capital of 10 | | | |
| |and more percent| | | |
| |of their | | | |
| |authorized | | | |
| |capital | | | |
| |(decreased by | | | |
| |the amount of | | | |
| |actually | | | |
| |accumulated | | | |
| |reserves for | | | |
| |these | | | |
| |investments); | | | |
|-------+----------------+-----------+-------------+-------------|
| 3 |Balance sheet | | | |
| |value of shares | | | |
| |(stocks) of own | | | |
| |issue taken as | | | |
| |collateral on | | | |
| |the Bank's | | | |
| |granted loans | | | |
| |(other | | | |
| |investments); | | | |
|-------+----------------+-----------+-------------+-------------|
| 4 |Excess of the | | | |
| |total value of | | | |
| |operations per | | | |
| |one client over | | | |
| |the established | | | |
| |limit on the | | | |
| |maximum credit | | | |
| |risk per one | | | |
| |client (H7) | | | |
|-------+----------------+-----------+-------------+-------------|
| 5 |Excess of the | | | |
| |total value of | | | |
| |operations per | | | |
| |one insider, | | | |
| |over the limit | | | |
| |on the maximum | | | |
| |value of loans, | | | |
| |guarantees and | | | |
| |bails granted to| | | |
| |one insider | | | |
| |(H9) | | | |
|-------+----------------+-----------+-------------+-------------|
| 6 |Value of | | | |
| |operations with | | | |
| |insiders | | | |
| |(stakeholders) | | | |
| |with more | | | |
| |favorable | | | |
| |conditions | | | |
| |(including the | | | |
| |agreements that | | | |
| |provide for | | | |
| |accrual of lower| | | |
| |interest rates | | | |
| |and commissions | | | |
| |for banking | | | |
| |operations than | | | |
| |usual) | | | |
|-------+----------------+-----------+-------------+-------------|
| 7 |Total | | | |
| |investments in | | | |
| |other banks | | | |
| |under the | | | |
| |conditions of | | | |
| |subordinated | | | |
| |debt | | | |
|-------+----------------+-----------+-------------+-------------|
| 8 |Balance sheet | | | |
| |value of | | | |
| |securities in | | | |
| |the Bank's | | | |
| |trading | | | |
| |portfolio, | | | |
| |excluding the | | | |
| |Bank's own | | | |
| |securities | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
|-------+----------------+-----------+-------------+-------------|
| V |Deductions | x | x | |
| |according to the| | | |
| |Methodology (1 +| | | |
| |2 + 3 + 4) | | | |
|-------+----------------+-----------+-------------+-------------|
| 1. |Balance sheet | x | x | |
| |value of | | | |
| |securities | | | |
|-------+----------------+-----------+-------------+-------------|
| 2. |Gaps between | x | x | |
| |assets and | | | |
| |liabilities with| | | |
| |the maturity of | | | |
| |more than 1 | | | |
| |year, which | | | |
| |exceed the | | | |
| |actually paid | | | |
| |authorized | | | |
| |capital | | | |
|-------+----------------+-----------+-------------+-------------|
| 3. |Total | x | x | |
| |liabilities that| | | |
| |are not repaid | | | |
|-------+----------------+-----------+-------------+-------------|
| 4. |Other | x | x | |
| |adjustments | | | |
|-------+----------------+-----------+-------------+-------------|
| | | | | |
------------------------------------------------------------------
"__" ____________ 200_
Bank's President/Chairman ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 4
The information on asset operations
for the calculation of the regulatory capital adequacy limit
_________________________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
------------------------------------------------------------------------------
|N з/п | Indicator |Bank's data|Data according|Data according|
| | | |to the results|to the results|
| | | | of the | of the |
| | | | Diagnostic | Diagnostic |
| | | | Analysis | Analysis |
| | | | | taking into |
| | | | | account the |
| | | | | requirements |
| | | | | of the |
| | | | | Methodology |
|------+---------------------------+-----------+--------------+--------------|
| | | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1. |Total assets, included in | 0 | 0 | 0 |
| |the calculation of the | | | |
| |regulatory capital adequacy| | | |
| |limit (H2), including | | | |
| |off-balance sheet | | | |
| |instruments | | | |
|------+---------------------------+-----------+--------------+--------------|
| | | | | |
|------+---------------------------+-----------+--------------+--------------|
| | assets weighted by | | | |
| | the risk ratio | | | |
| | 0% | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.1 |Total assets | | | |
| |---------------------------+-----------+--------------+--------------|
| |assets weighted by | | | |
| |the risk ratio | | | |
|------+---------------------------+-----------+--------------+--------------|
| | assets weighted by | | | |
| | the risk ratio | | | |
| | 10% | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.2 |Total assets | | | |
| |---------------------------+-----------+--------------+--------------|
| |assets weighted by | | | |
| |the risk ratio | | | |
|------+---------------------------+-----------+--------------+--------------|
| | assets weighted by | | | |
| | the risk ratio | | | |
| | 20% | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.3 |Total assets | | | |
| |---------------------------+-----------+--------------+--------------|
| |assets weighted by | | | |
| |the risk ratio | | | |
|------+---------------------------+-----------+--------------+--------------|
| | assets weighted by | | | |
| | the risk ratio | | | |
| | 50% | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.4 |Total assets | | | |
| |---------------------------+-----------+--------------+--------------|
| |assets weighted by | | | |
| |the risk ratio | | | |
|------+---------------------------+-----------+--------------+--------------|
| | assets weighted by | | | |
| | the risk ratio | | | |
| | 100% | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.5 |Total assets | | | |
| |---------------------------+-----------+--------------+--------------|
| |assets weighted by | | | |
| |the risk ratio | | | |
|------+---------------------------+-----------+--------------+--------------|
|1.6. |Long-term asset-based | | | |
| |operations with maturity | | | |
| |mismatch | | | |
|------+---------------------------+-----------+--------------+--------------|
| 1.7 |Gross open currency | | | |
| |position on all foreign | | | |
| |currencies and bank metals | | | |
------------------------------------------------------------------------------
"__" ____________ 200_
Bank's President/Chairman ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 5
Summary of the results of of lending operations analysis of
_______________________________
(Bank's name)
as of ____________ 200_
(thousand UAH)
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| N | Indicator |Total debt on lending |The share | Provisions for the analyzed debt on lending operations | Provisions for the total debt on lending operations |The amount of provisions that still has to be|
| | |operation according to| of the | | | accumulated |
| | | the Bank's data | analysed | | | |
| | | | debt on | | | |
| | |----------------------| lending |--------------------------------------------------------------------+--------------------------------------------------------------------+---------------------------------------------|
| | |Principle|On interest |operations| actually accumulated |Data according to the |Data according to the | actually accumulated |Data according to the |Data according to the |Data according to the |Data according to the |
| | | debt | rate/ | in the | by the Bank | Diagnostic Analysis | Diagnostic Analysis | by the Bank | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis |
| | | |commissions |total debt| | | taking into account | | taking into account | taking into account | | taking into account |
| | | | |on lending| | | the requirements of | | the results of | the requirements of | | the requirements of |
| | | | |operations| | | the Methodology | | extrapolation |the Methodology taking| | the Methodology |
| | | | |(principle| | | | | | into account the | | |
| | | | | debt) | | | | | | results of | | |
| | | | | | | | | | | extrapolation | | |
| | | | | |----------------------+----------------------+----------------------+----------------------+----------------------+----------------------+----------------------+----------------------|
| | | | | |principle|on interest |principle|on interest |principle|on interest |principle|on interest |principle|on interest |principle|on interest |principle|on interest |principle|on interest |
| | | | | | debt | rate/ | debt | rate/ | debt | rate/ | debt | rate/ | debt | rate/ | debt | rate/ | debt | rate/ | debt | rate/ |
| | | | | | |commissions | |commissions | |commissions | |commissions | |commissions | |commissions | |commissions | |commissions |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| 1. |Legal | | | | | | | | | | | | | | | | | | | |
| |entities, of| | | | | | | | | | | | | | | | | | | |
| |which: | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
|1.1.|off-balance | | | | | | | | | | | | | | | | | | | |
| |sheet | | | | | | | | | | | | | | | | | | | |
| |liabilities | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
|2. |Total | | | | | | | | | | | | | | | | | | | |
| |individuals,| | | | | | | | | | | | | | | | | | | |
| |of which | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
|2.1.|mortgage | | | | | | | | | | | | | | | | | | | |
| |loans | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
|2.2.|other loans | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
|2.3.|off-balance | | | | | | | | | | | | | | | | | | | |
| |sheet | | | | | | | | | | | | | | | | | | | |
| |liabilities | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | | | | | | | | | | | | |
|----+------------+---------+------------+----------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------+---------+------------|
| |Total by | | | | | | | | | | | | | | | | | | | |
| |legal | | | | | | | | | | | | | | | | | | | |
| |entities and| | | | | | | | | | | | | | | | | | | |
| |individuals | | | | | | | | | | | | | | | | | | | |
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
"__" ____________ 200_
Bank's Chairman/President ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 6
Analysis of lending operations of
_____________________________
(Bank's name)
with legal entities
as of ____________ 200__
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|N | Name of |Business|Number and| Code of |Debt on granted loans |Income from| Debt repaid in time | Missing (0) or | Bank's off-balance | Category of the lending |
| |borrower-|Register| date of | loan | (in UAH equivalent) | currency |(0), outstanding (1), | available debt | liabilities | operation |
| | legal | code | loan |currency/| |revaluation| prolonged (2), |prolongation (1),| | |
| | entity | |agreement | off- | | (included | restructured (3) or |restructurization| | |
| | | | | balance | | in the | refinanced (4) | (2), or | | |
| | | | | sheet |----------------------| value of |----------------------| refinancing (3) |-----------------------+------------------------------|
| | | | |liability|principle|on interest | loan) |principle|on interest | |number and | Value of |Bank's| Data | Data |
| | | | | | debt | rate/ | | debt | rate/ | |date of the|the Bank's | data |according |according to|
| | | | | | |commissions | | |commissions | | agreement | issued | | to the |the results |
| | | | | | | | | | | | on the |guarantee/ | |results of| of the |
| | | | | | | | | | | | Bank's | aval/ | | the | Diagnostic |
| | | | | | | | | | | | issued |irrevocable| |Diagnostic| Analysis |
| | | | | | | | | | | | guarantee/| lending | | Analysis |taking into |
| | | | | | | | | | | | aval/ | bail, etc.| | |account the |
| | | | | | | | | | | |irrevocable| | | |requirements|
| | | | | | | | | | | | lending | | | | of the |
| | | | | | | | | | | | bail, etc.| | | |Methodology |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
|1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
|1 |Client 1 | x | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| |Total for| | x | x | | | | x | x | x | | | x | x | x |
| |client 1 | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
|2 |Client 2 | x | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| |Total for| | x | x | | | | x | x | x | | | x | x | x |
| |client 2 | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
|n |Client n | x | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| |Total for| | x | x | | | | x | x | x | | | x | x | x |
| |client n | | | | | | | | | | | | | | |
|--+---------+--------+----------+---------+---------+------------+-----------+---------+------------+-----------------+-----------+-----------+------+----------+------------|
| |Total for| x | x | x | | | | x | x | x | | | x | x | x |
| |all | | | | | | | | | | | | | | |
| |clients | | | | | | | | | | | | | | |
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------------------------------------------------------------------
| Value of collateral according to the Bank's information |Comments on| The collateral |
|---------------------------------------------------------------------------------------------------------------|the Bank's |value that is used |
| Guarantees | ownership rights | Bank |Government|Nongovernment| Real estate | other | Rights of | other |assessment |for the calculation|
| (Cabinet of | for deposits, |metals|securities| securities |that belongs to| real | property |rights of| of the |of the net credit |
|Ministers of | registered CDs | | | | residential |estate | for the |property |collateral | risk |
| Ukraine, |issued by the Bank | | | |fund, mortgage | |future real| | | |
| governments | | | | | bonds and | |estate that| | | |
| of the | | | | | mortgage | | belong to | | | |
|countries of | | | | | certificates | | the | | | |
|category "A",|-------------------| | | |---------------| |residential| | |-------------------|
|International| in the | in the | | | | on |on loans | | fund, | | |Bank's| Data |
|multilateral |currency |currency | | | |loans| in | | movable | | | data |according to|
|banks, Banks | of loan |different| | | | in | foreign | |properties | | | |the results |
|with ratings | or hard |than the | | | | UAH | currency| | and | | | | of the |
| not lower |currency |currency | | | | | | | precious | | | | Diagnostic |
| than | | of the | | | | | | | metals | | | | Analysis |
|"investment | | loan | | | | | | | | | | |taking into |
| class", | | | | | | | | | | | | |account the |
|guaranteed | | | | | | | | | | | | |Methodology |
|by Ukrainian | | | | | | | | | | | | | |
| banks) | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|-------------+---------+---------+------+----------+-------------+-----+---------+-------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
-------------------------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
| Provision | The amount of reserves to be accumulated |
| | additionally |
|----------------------------------------------------------------+---------------------------------------------|
| actually |Data according to the |Data according to the |Data according to the |Data according to the |
|accumulated by the| results of the | results of the | results of the | results of the |
| Bank | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis |
| | | taking into account | | taking into account |
| | | the Methodology | | the Methodology |
|------------------+----------------------+----------------------+----------------------+----------------------|
|principle| on |principle| on accrued |principle| on accrued |principle| on accrued |principle| on accrued |
| debt |accrued | debt | interest | debt | interest | debt | interest | debt | interest |
| |interest| | rates/ | | rates/ | | rates/ | | rates/ |
| | rates/ | |commissions | |commissions | |commissions | |commissions |
| | commis | | | | | | | | |
| | sions | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
|---------+--------+---------+------------+---------+------------+---------+------------+---------+------------|
| | | | | | | | | | |
----------------------------------------------------------------------------------------------------------------
"__" ____________ 200_
Bank's Chairman/President ___________ __________________
(signature) (name)
Auditing company's manager ___________ __________________
(signature) (name)
Table N 7
Analysis of lending operations of
_________________________
(Bank's name)
with individual borrowers (mortgages)
as of ____________ 200_
(thousand UAH)
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|N | Name of |Personal|Number and| Code of|Debt on granted loans|Income from| Debt repaid in time| Missing (0) or | Bank's off-balance | Category of the lending |
| | the |ID code | date of | loan | (in UAH equivalent) | currency |(0), outstanding (1),| available debt | liabilities | operation |
| |individual| | loan |currency/| |revaluation| prolonged (2), |prolongation (1),| | |
| | borrower | |agreement | off- | | (included | restructured (3) or|restructurization| | |
| | | | | balance| | in the | refinanced (4) | (2), or | | |
| | | | | sheet |---------------------| value of |---------------------|refinancing (3) |----------------------------+------------------------------|
| | | | |liability|principle|on interest| loan) |principle|on interest| |number and date | Value of |Bank's| Data | Data |
| | | | | | debt | rate/ | | debt | rate/ | |of the agreement|the Bank's | data |according |according to|
| | | | | | |commissions| | |commissions| | on the Bank's | issued | | to the |the results |
| | | | | | | | | | | | issued |guarantee/ | |results of| of the |
| | | | | | | | | | | | guarantee/ | aval/ | | the |Diagnostic |
| | | | | | | | | | | |aval/irrevocable|irrevocable| |Diagnostic| Analysis |
| | | | | | | | | | | | lending bail, | lending | | Analysis |taking into |
| | | | | | | | | | | | etc. | bail, etc.| | |account the |
| | | | | | | | | | | | | | | |requirements|
| | | | | | | | | | | | | | | | of the |
| | | | | | | | | | | | | | | |Methodology |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
|1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
|1 |Client 1 | x | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| |Total for | | x | x | | | | x | x | x | | | x | x | x |
| |client 1 | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
|2 |Client 2 | x | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| |Total for | | x | x | | | | x | x | x | | | x | x | x |
| |client 2 | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
|n |Client n | x | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| | | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| |Total for | | x | x | | | | x | x | x | | | x | x | x |
| |client n | | | | | | | | | | | | | | |
|--+----------+--------+----------+---------+---------+-----------+-----------+---------+-----------+-----------------+----------------+-----------+------+----------+------------|
| |Total for | x | x | x | | | | x | x | x | | | x | x | x |
| |all | | | | | | | | | | | | | | |
| |clients | | | | | | | | | | | | | | |
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------------------
| Value of collateral according to the Bank's information |Comments on| The collateral |
|-------------------------------------------------------------------------------------------------------------|the Bank's |value that is used |
| Guarantees | ownership rights| Bank |Govern-ment|Non-govern-| Real estate | other| Rights of | other |assessment |for the calculation|
| (Cabinet of | for deposits, |metals|securities | ment |that belongs to| real | property |rights of| of the | of the net credit |
| Ministers of | registered CDs | | |securities | residential |estate| for the |property |collateral | risk |
| Ukraine, |issued by the Bank| | | |fund, mortgage | |future real| | | |
| governments | | | | | bonds and | |estate that| | | |
| of the | | | | | mortgage | | belong to | | | |
| countries of | | | | | certificates | | the | | | |
|category "A", |------------------| | | |---------------| |residential| | |-------------------|
| International| in the| in the | | | | on |on loans | | fund, | | |Bank's| Data |
| multilateral |currency|currency | | | |loans| in | | immovable | | | data |according to|
|banks, Banks | of loan|different| | | | in | foreign | |properties | | | |the results |
|with ratings | or hard|than the | | | | UAH | currency| | and | | | | of the |
|not lower than|currency|currency | | | | | | | precious | | | | Diagnostic |
| "investment | | of the | | | | | | | metals | | | | Analysis |
| class", | | loan | | | | | | | | | | |taking into |
|guaranteed by | | | | | | | | | | | | |account the |
| Ukrainian | | | | | | | | | | | | |Methodology |
| banks) | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
|--------------+--------+---------+------+-----------+-----------+-----+---------+------+-----------+---------+-----------+------+------------|
| | | | | | | | | | | | | | |
-----------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------
| Provisions | The amount of provisions to be accumulated |
|--------------------------------------------------------------------+---------------------------------------------|
| actually accumulated |Data according to the |Data according to the |Data according to the |Data according to the |
| by the Bank | results of the | results of the | results of the | results of the |
| | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis | Diagnostic Analysis |
| | | taking into account | | taking into account |
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