Pēd. atjaunots: 03.07.2024 00:03 (GMT+3)
OPTIVA PANK
ANNOUNCEMENT
24.03.99
NOTES 3-41
Ths. EEK
BANK GROUP
12/31/98 12/31/97 12/31/98 12/31/97
NOTE 3 CASH ON HAND
Cash in Estonian kroons 29 247 15 154 29 247 15 154
Cash in foreign currencies 30 431 32 264 30 431 32 264
TOTAL CASH ON HAND 59 678 47 418 59 678 47 418
NOTE 4 CLAIMS AND LOANS TO THE CENTRAL BANK 198 390 104 880 198 390 104 880
Estonian credit institutions are required to maintain 10 per cent of their
clients' average deposits, calculated on the balances fixed in every 10 days,
as compulsory reserves with the Central Bank. Average Estonian kroon cash on
hand can be deducted up to 20% of the compulsory reserve.
NOTE 5 CLAIMS AND LOANS TO CREDIT INSTITUTIONS
Demand deposits with other banks 147 114 432 354 147 652 437 928
TOTAL DEMAND DEPOSITS WITH OTHER BANKS 147 114 432 354 147 652 437 928
TIME DEPOSITS WITH AND LOANS TO OTHER BANKS
Overdraft loans to banks 0 60 000 0 60 000
Deposits with foreign banks by remaining maturity
Maturity up to 1 month 0 1 349 0 1 349
Maturity from 1 month to 3 months 0 0 0 0
Total deposits with foreign banks 0 1 349 0 1 349
Deposits with Estonian banks by remaining maturity
Maturity up to 1 month 0 189 0 189
Maturity from 1 month to 3 months 0 0 0 0
Maturity from 3 months to 6 months 0 15 000 0 15 000
Total deposits with Estonian banks 0 15 189 0 15 189
TOTAL TIME DEPOSITS WITH AND LOANS TO OTHER BANKS 0 76 538 0 76 538
TOTAL CLAIMS AND LOANS TO CREDIT INSTITUTIONS 147 114 508 892 147 652 514 466
NOTE 6 CLAIMS AND LOANS TO CLIENTS (see also appendix to Note 6) 2 302 989 1 313 576 2 216 113 1 187 618
Claims and loans by remaining maturity
Maturity up to 1 month 436 000 525 766 357 124 426 962
Maturity from 1 month to 3 months 115 077 113 602 110 527 88 855
Maturity from 3 months to 6 months 98 366 71 274 106 157 71 274
Maturity from 6 months to 12 months 86 567 79 367 107 597 80 272
Maturity from 1 year to 2 years 204 640 54 995 193 372 43 049
Maturity from 2 years to 5 years 807 527 343 467 798 676 349 975
Maturity over 5 years 463 493 114 288 452 462 116 414
Loans overdue 91 319 10 817 90 198 10 817
TOTAL CLAIMS AND LOANS TO CLIENTS 2 302 989 1 313 576 2 216 113 1 187 618
Claims and loans by client types
Loans to central government 0 0 3 576 168
Loans to non-budgetary funds 0 566 0 566
Loans to local governments 0 0 442 8 729
Loans to insurance and pension funds 6 000 0 6 958 0
Loans to financial institutions 271 894 391 353 33 074 194 085
Loans to private enterprises 1 839 777 745 189 1 962 131 789 715
Loans to non-profit associations 294 695 294 1 177
Loans to private persons 185 024 175 773 209 638 193 178
TOTAL CLAIMS AND LOANS TO CLIENTS 2 302 989 1 313 576 2 216 113 1 187 618
Including:
Loans to subsidiaries 269 703 342 956 0 0
Leasing loans 0 0 240 754 205 331
Including loans with securities as collateral by client types
To non-budgetary funds 0 566 0 566
To financial institutions 1 683 8 400 1 683 8 400
To private enterprises 12 536 102 972 12 536 117 972
To private persons 0 10 275 0 10 275
TOTAL LOANS WITH SECURITIES AS COLLATERAL 14 219 122 213 14 219 137 213
LOANS OVERDUE
Overdue up to 1 month 39 920 26 38 799 26
Overdue from 1 month to 3 months 17 242 189 17 242 189
Overdue from 3 month to 5 months 18 744 0 18 744 0
Overdue over 6 months 15 413 10 602 15 413 10 602
TOTAL LOANS OVERDUE 91 319 10 817 90 198 10 817
Loans with delayed repayments, including outstanding principal,
as at the end of 1997 totalled 42.015 million kroons.
Loans with delayed repayments, including outstanding principal,
as at the end of 1998 totalled 284.426 million kroons.
NOTE 7 UNCOLLECTIBLE CLAIMS AND LOANS
Balance at the beginning of year 24 836 8 702 26 126 8 950
Provisions for loan losses 264 181 17 671 267 429 18 713
Non-performing loans written off - 60 572 - 1 537 - 60 572 - 1 537
TOTAL UNCOLLECTIBLE CLAIMS AND LOANS 228 445 24 836 232 983 26 126
TOTAL NET LOANS 2 068 453 1 288 740 1 977 130 1 161 492
Non-performing loans recovered 2 221 364 2 221 364
NOTE 8 DEBT SECURITIES
INVESTMENT PORTFOLIO
Debt securities of central government 3 153 27 041 3 153 27 041
Debt securities of municipalities 0 3 000 0 3 000
Debt securities of credit institutions 24 825 13 899 24 825 13 899
Debt securities of financial institutions 55 228 122 154 53 216 93 154
Debt securities of private enterprises 169 492 17 109 78 258 2 109
TOTAL INVESTMENT PORTFOLIO 252 698 183 202 159 452 139 202
INVESTMENT PORTFOLIO BY REMAINING MATURITY
Maturity up to 1 month 33 76 951 33 61 951
Maturity from 1 month to 3 months 3 120 12 675 3 120 9 675
Maturity from 3 months to 6 months 0 3 196 0 1 196
Maturity from 6 months to 12 months 168 175 59 130 76 941 35 130
Maturity from 1 year to 2 years 5 765 8 548 5 765 8 548
Maturity from 2 years to 5 years 75 605 22 703 73 593 22 703
Maturity over 5 years 0 0 0 0
TOTAL INVESTMENT PORTFOLIO 252 698 183 202 159 452 139 202
TRADING PORTFOLIO
Debt securities of credit institutions 287 0 287 0
Debt securities of financial institutions 6 967 0 6 967 0
Debt securities of private enterprises 5 983 0 5 983 0
TOTAL TRADING PORTFOLIO 13 237 0 13 237 0
TRADING PORTFOLIO BY REMAINING MATURITY
Maturity up to 1 month 4 781 0 4 781 0
Maturity from 1 month to 3 months 287 0 287 0
Maturity from 3 months to 6 months 8 169 0 8 169 0
TOTAL TRADING PORTFOLIO 13 237 0 13 237 0
TOTAL DEBT SECURITIES 265 935 183 202 172 690 139 202
NOTE 9 SHARES OF SUBSIDIARY UNDERTAKINGS (see also appendix to Note 9)
AS Foreksi Varahaldus 33 506 38 046 0 0
AS Foreks Liising 18 703 7 581 0 0
AS Laforte 76 67 0 0
AS Foreksi Väärtpaberid 0 3 711 0 0
AS Foreksi Konsultatsioonid 111 108 0 0
AS Foreksi Kinnisvara 61 61 0 0
AS EMP Projekteerimis- ja Konsultatsiooni Büroo 118 130 0 0
AS Kaseväli & Co 2 703 2 554 0 0
AS Foreks Arendus 3 961 378 0 0
ICI Kapitalijuhtimise AS 2 488 0 0 0
ZAO Forekspank 1 525 1 928 0 0
ZAO Investkom 0 3 254 0 0
TOTAL SHARES OF SUBSIDIARY UNDERTAKINGS 63 252 57 818 0 0
NOTE 10 INVESTMENTS IN ASSOCIATES (see also appendix to Note 10) 1 716 1 561 1 716 1 561
FB Ehituse AS 298 298 298 298
ID Süsteemide AS 1 418 1 263 1 418 1 263
TOTAL INVESTMENTS IN ASSOCIATES 1 716 1 561 1 716 1 561
NOTE 11 OTHER SHARES
SHORT-TERM SHARES
Investments to investment funds 0 3 275 3 3 275
Shares of Estonian enterprises 2 382 88 240 45 391 108 787
Shares of foreign enterprises 212 48 382 212 48 382
Estonian privatisation vouchers 0 15 024 0 15 024
TOTAL SHORT-TERM SHARES 2 594 154 921 45 606 175 468
LONG-TERM SHARES
AS Pankade Kaardikeskus 777 777 777 777
S.W.I.F.T. 276 252 276 252
AS Krediidiinfo 147 100 147 100
Eesti Väärtpaberite Keskdepositoorium 417 200 417 200
AS Prosperitas 1 000 1 000 1 000 1 000
Tallinna Väärtpaberibörs 199 100 199 100
AS Cibus 0 93 0 93
AS Paide Piimakombinaat 0 361 0 361
Regatimaja 0 3 073 4 873 3 073
Kinnisvara Finantseerimise AS 2 550 2 550 2 550 2 550
Ober Haus Schlössle (Meietar) 0 4 000 0 4 000
M-Investeerimise AS 461 461 461 461
Tootsi Turvas 237 0 237 0
Eesti Metallieksport 6 572 0 6 572 0
Liviko 515 0 515 0
Suurerastamise Investeerimisfond 70 0 70 0
Klementi 186 0 186 0
Leks Kindlustus 100 0 100 0
Remedia 884 0 884 0
Viisnurk 4 057 0 4 057 0
Amserv Grupp 3 374 0 3 374 0
ASA Kindlustus 732 0 732 0
Merko Ehitus 3 978 0 3 978 0
Fakto 118 0 118 0
Reval Hotelligrupp 3 450 0 3 450 0
FKSM 3 890 0 3 890 0
Harju Elekter 4 077 0 4 077 0
EMV 1 453 0 1 453 0
Eesti EVP Investeerimisfond 3 265 0 3 265 0
Tallinna Kaubamaja 256 0 256 0
Centum Investeerimisfond 2 606 0 2 606 0
Talinvesti Aktsiafond 492 0 492 0
Eesti Näitused 1 830 0 1 830 0
Talinvesti Kasvufond 2 744 0 2 744 0
Kroontrükk 10 053 0 10 053 0
Exo Holding 117 0 117 0
Gaia 7 000 0 7 000 0
SIA Arials 3 000 0 3 000 0
Ühinenud Meiereid 361 0 361 0
Soots Turism 4 0 4 0
Norma 151 0 151 0
Fraser Group 10 0 10 0
Saku Õlletehas 612 0 612 0
Tallinna Farmaatsiatehas 758 0 758 0
Orto 0 0 19 900 0
EstIB-Talinvest Asset Management 0 0 204 0
EstIB-Talinvest Erastamisfond 0 0 607 0
TOTAL LONG-TERM SHARES 72 779 12 967 98 363 12 967
TOTAL OTHER SHARES 75 373 167 888 143 969 188 435
NOTE 12 INTANGIBLE ASSETS (see also appendices to Note 12)
Consolidated goodwill 0 0 527 85
Licenses 12 214 11 437 12 587 13 097
Goodwill 138 688 0 138 688 0
Depreciation - 11 505 - 6 428 - 11 634 - 6 684
TOTAL INTANGIBLE ASSETS 139 397 5 010 140 168 6 498
NOTE 13 TANGIBLE ASSETS (see also appendices to Note 13)
Land 0 0 50 50
Buildings 0 0 172 123 170 185
Building title 0 0 313 313
Buildings under construction 0 0 10 432 82
Cars 3 053 1 385 5 879 2 369
Computers 17 000 12 426 33 960 25 797
Capitalised expenses 14 500 14 500 14 650 14 650
Furniture 0 4 968 19 332 19 224
Communication equipment 0 1 310 3 887 4 085
Other tangible assets 0 7 712 16 866 15 293
Prepayments for tangible assets 0 0 298 0
Depreciation - 20 674 - 19 734 - 52 214 - 31 474
TOTAL TANGIBLE ASSETS 13 880 22 567 225 576 220 574
NOTE 14 OTHER ASSETS
Collateral deposits 2 286 7 790 2 286 7 790
Incoming payment orders 6 899 15 376 6 899 15 376
Cheques 138 1 241 138 1 241
Bank cards accounts 1 462 3 630 1 462 3 630
Other 1 732 13 835 3 170 14 345
TOTAL OTHER ASSETS 12 517 41 871 13 955 42 382
NOTE 15 PREPAYMENTS AND ACCRUED INCOME
Interest receivable 37 878 21 748 37 878 21 748
Prepaid rents 404 472 404 472
Other prepayments 2 744 1 569 2 744 1 569
Claim against St.-Petersburg Tax Police (claim was 100% settled and fu 0 33 087 0 33 087
Difference between nominal value and purchase value of the convertible 0 0 0 11 500
Fees receivable 17 128 758 17 128 758
Other accrued income 63 836 40 450 54 377 43 015
TOTAL PREPAYMENTS AND ACCRUED INCOME 121 990 98 084 112 531 112 150
NOTE 16 AMOUNTS OWED TO CREDIT INSTITUTIONS
Demand deposits of credit institutions 9 876 29 497 9 876 41 699
Borrowings from credit institutions
Maturity up to 1 month 24 961 115 751 24 961 115 751
Maturity from 3 months to 6 months 8 800 0 8 800 0
Maturity from 6 months to 12 months 11 666 30 000 11 666 30 000
Maturity from 1 year to 2 years 173 410 0 173 410 0
Maturity from 3 years to 5 years 163 237 223 821 174 632 223 821
Maturity over 5 years 300 511 0 300 511 0
TOTAL BORROWINGS FROM CREDIT INSTITUTIONS 682 585 369 572 693 980 369 572
TOTAL AMOUNTS OWED TO CREDIT INSTITUTIONS 692 461 399 069 703 856 411 271
NOTE 17 AMOUNTS OWED TO CLIENTS OF CREDIT INSTITUTION
DEMAND DEPOSITS
Demand deposits of clients by client type
Government 3 49 3 49
Non-budgetary funds 0 353 0 353
Insurance institutions 443 0 443 0
Financial institutions 19 030 15 441 17 430 12 285
State enterprises 1 085 138 1 085 138
Private enterprises 451 359 1 003 403 445 805 1 001 866
Non-profit associations 509 0 509 0
Private persons 68 534 139 434 68 534 139 434
Total demand deposits of clients 540 963 1 158 818 533 809 1 154 125
DEMAND DEPOSITS BY RESIDENCY
Residents 136 120 343 829 128 966 339 136
Non-residents 404 843 814 989 404 843 814 989
TOTAL DEMAND DEPOSITS 540 963 1 158 818 533 809 1 154 125
DEMAND DEPOSITS BY CURRENCY
Estonian kroon 115 404 268 740 109 850 264 047
Foreign currency 425 559 890 078 423 959 890 078
TOTAL DEMAND DEPOSITS 540 963 1 158 818 533 809 1 154 125
TIME DEPOSITS
Time deposits of clients by remaining maturities:
Maturity up to 1 month 137 917 70 847 137 667 70 847
Maturity from 1 month to 3 months 0 56 856 0 56 856
Maturity from 3 months to 6 months 84 577 83 741 84 577 83 741
Maturity from 6 months to 12 months 42 236 86 696 42 236 86 696
Maturity from 1 year to 2 years 17 084 3 284 17 084 3 284
Maturity from 2 years to 3 years 0 8 0 8
Maturity from 3 years to 5 years 13 524 11 952 13 524 11 952
Maturity over 5 years
Lapas karte