Kuap. Ru - Balance sheet of БАЙКАЛИНВЕСТБАНК, analysis of f.101

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	BAYKALINVESTBANK	add to comparison
Central Bank of Russia registration number: 1067

On this page you can see aggregated balance sheet of the bank. Click on any amount to get details. To compare with the other date choose it from the list. To view dynamics on the chart click on the icon on the right (opens in new window, requires flash-player). You can also get acquainted with balance sheet aggregation methodics.

This variant of balance sheet is adjusted to include the following corrections (as compared to f. 101):- provision for impairment on overdue loans which according to 385-p are not divided to corporate and individuals, are distributed between corporate cliens and individuals proportionaly to amount of loans past due. Such method is not 100% precise but it allows to better measure provision rate.


Balance sheet position, thous. rub.			Period change
ASSETS	17 226 694	17 226 694
High liquid assets	3 130 897	3 130 897
Cash and equivalents	1 362 806	1 362 806
Cash	1 199 467	1 199 467
in cash and en route	566 953	566 953
in ATMs	7 555	7 555
precious metals	624 959	624 959
Nostro account with Central Bank	163 339	163 339
Nostro accounts	1 744 318	1 744 318
Non-residents	140 865	140 865
Residents	1 603 453	1 603 453
Money in transfer	24 321	24 321
Provision for impairment of high-liquid assets	-548	-548
Interest-earning assets	11 670 516	11 670 516
Dues from banks	796 120	796 120
Central Bank of Russia	791 240	791 240
Residents	3 175	3 175
up to 30 days	3 175	3 175
Non-residents	1 710	1 710
up to 30 days	1 710	1 710
Provision for impairment of loans to banks	-5	-5
Securities	1 361 628	1 361 628
Bonds	1 361 628	1 361 628
Federal Loan Bonds (OFZs), OBRs	673 203	673 203
Corporate bonds	728 959	728 959
Financial institutions bonds	73 162	73 162
Valuation allowance	-113 696	-113 696
Loans to corporate clients	5 356 780	5 356 780
residents	5 764 390	5 764 390
up to 30 days	88 742	88 742
up to 180 days	910 227	910 227
up to 1 year	2 603 304	2 603 304
up to 3 years	1 156 683	1 156 683
more than 3 years	1 005 434	1 005 434
non-residents	101 162	101 162
up to 30 days	101 162	101 162
Past-due	527 446	527 446
residents	527 363	527 363
state-owned enterprises	83	83
Provision for impairment of corporate loans	-1 036 218	-1 036 218
residents	-1 037 213	-1 037 213
non-residents	-78	-78
state-owned enterprises	1 073	1 073
Loans to private entrepreneurs	221 283	221 283
up to 1 year	6 370	6 370
up to 3 years	40 055	40 055
more than 3 years	188 650	188 650
Past-due	12 579	12 579
Provision for impairment of loans to private entrepreneurs	-26 371	-26 371
Loans to individuals	3 934 705	3 934 705
Standard	4 224 697	4 224 697
up to 30 days	8 415	8 415
up to 1 year	3 366	3 366
up to 3 years	513 590	513 590
more than 3 years	3 699 326	3 699 326
Past-due	253 274	253 274
Past-due	253 274	253 274
Provision for impairment of loans to individuals	-543 266	-543 266
Other assets	2 425 281	2 425 281
Mandatory reserves with Central Bank	98 137	98 137
Premises and equipment	179 815	179 815
Purchase cost	433 107	433 107
Depreciation	-253 292	-253 292
Accrued interest not yet received	260 104	260 104
Other assets	2 615 273	2 615 273
Provision for impairment of other assets	-756 303	-756 303
Derivatives - assets	28 255	28 255
LIABILITIES	13 173 364	13 173 364
On demand	3 965 003	3 965 003
Corporate clients	2 487 096	2 487 096
State-owned enterprises	49 321	49 321
Residents	2 437 775	2 437 775
Individuals	1 477 906	1 477 906
Residents	1 456 473	1 456 473
Non-residents	21 433	21 433
Brokerage accounts	1	1
Residents	1	1
Term	7 341 317	7 341 317
Corporate clients	1 822 418	1 822 418
Residents	1 815 018	1 815 018
up to 30 days	177 154	177 154
up to 180 days	164 700	164 700
up to 1 year	286 767	286 767
up to 3 years	988 567	988 567
more than 3 years	197 830	197 830
State-owned enterprises	7 400	7 400
up to 30 days	7 400	7 400
Individuals	5 518 899	5 518 899
residents	5 443 954	5 443 954
up to 180 days	100 048	100 048
up to 1 year	462 453	462 453
up to 3 years	4 834 913	4 834 913
more than 3 years	46 540	46 540
non-residents	74 945	74 945
up to 180 days	993	993
up to 1 year	177	177
up to 3 years	73 775	73 775
Securities issued	430 634	430 634
Promissory notes	430 634	430 634
on demand	100	100
up to 180 days	15 000	15 000
up to 1 year	23 284	23 284
up to 3 years	392 250	392 250
Other liabilities	1 436 410	1 436 410
Other liabilities	486 745	486 745
Accrued interest not yet paid	907 120	907 120
Derivatives - liabilities	40 476	40 476
Deferred tax liabilities	2 069	2 069
EQUITY	4 053 330	4 053 330
Capital	2 857 291	2 857 291
Profit from previous years	1 148 875	1 148 875
Retained earnings from previous years	1 148 875	1 148 875
Current year profit	47 164	47 164
Current year retained earnings	47 164	47 164
OFF-BALANCE SHEET	20 647 430	20 647 430
Contingent liabilities	-17 967 054	-17 967 054
Guarantees issued	-15 943 835	-15 943 835
Unused credit limits opened	-1 858 219	-1 858 219
Unused guarantee limits	-165 000	-165 000
Collateral on loans	36 461 674	36 461 674
goods	36 059 720	36 059 720
securities	340 151	340 151
precious metals	61 803	61 803
Unprocessed payments	2 749 410	2 749 410
Due to lack of funds on client accounts	2 749 410	2 749 410
Other off-balance sheet accounts	-596 600	-596 600
Written-off interest	-109 375	-109 375
Written-off loans	-487 225	-487 225
Credit card balances	8 415	8 415
Risk-weighted assets	29 417 789	29 417 789
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-14,16%	-100,0%
including corporate loans:	-16,00%	-100,0%
including individual loans:	-12,13%	-100,0%
Past-due rate:	-7,13%	-100,0%
corporate clients:	-8,13%	-100,0%
individuals:	-5,66%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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