Kuap. Ru - Aggregated balance sheet by currencies of БИНБАНК СМОЛЕНСК, analysis of balance sheet currency structure

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	BINBANK SMOLENSK	add to comparison
Central Bank of Russia registration number: 1957 under resolution, retail funding

On this page you can see aggregated balance sheet of the bank with currency breakdown (roubles and foreign currency). You can also get acquainted with balance sheet aggregation methodics.


Balance sheet position, thous. rub.		in roubles	in foreign crnc.		in roubles	in foreign crnc.	Change, roubles	Change, foreign currency
ASSETS	6 371 770	5 894 292	477 478	6 622 203	6 075 893	546 310	181 601	68 832
High liquid assets	1 386 358	985 353	401 005	851 917	361 672	490 245	-623 681	89 240
Cash and equivalents	306 237	216 028	90 209	389 101	265 412	123 689	49 384	33 480
Cash	197 374	107 165	90 209	239 694	116 005	123 689	8 840	33 480
in cash and en route	197 374	107 165	90 209	239 694	116 005	123 689	8 840	33 480
Nostro account with Central Bank	108 863	108 863	-	149 407	149 407	-	40 544	-
Nostro accounts	1 080 761	772 393	308 368	463 476	99 419	364 057	-672 974	55 689
Residents	1 080 761	772 393	308 368	463 476	99 419	364 057	-672 974	55 689
Money in transfer	2 941	513	2 428	2 922	423	2 499	-90	71
Provision for impairment of high-liquid assets	-3 581	-3 581	-	-3 582	-3 582	-	-1	-
Interest-earning assets	4 769 555	4 724 028	45 527	5 597 777	5 572 367	25 410	848 339	-20 117
Dues from banks	4 040 000	4 040 000	-	4 950 000	4 950 000	-	910 000	-
Residents	4 040 000	4 040 000	-	4 950 000	4 950 000	-	910 000	-
up to 180 days	3 440 000	3 440 000	-	4 350 000	4 350 000	-	910 000	-
more than 180 days	600 000	600 000	-	600 000	600 000	-	-	-
Loans past-due	5 700	5 700	-	5 700	5 700	-	-	-
residents	5 700	5 700	-	5 700	5 700	-	-	-
Provision for impairment of loans to banks	-5 700	-5 700	-	-5 700	-5 700	-	-	-
Loans to corporate clients	397 799	392 931	4 868	353 283	349 079	4 204	-43 852	-664
residents	432 811	427 943	4 868	404 782	400 578	4 204	-27 365	-664
up to 1 year	2 100	2 100	-	2 100	2 100	-	-	-
up to 3 years	104 224	99 356	4 868	82 356	78 152	4 204	-21 204	-664
more than 3 years	326 487	326 487	-	320 326	320 326	-	-6 161	-
Past-due	288 126	288 126	-	287 948	287 948	-	-178	-
residents	287 646	287 646	-	287 468	287 468	-	-178	-
state-owned enterprises	480	480	-	480	480	-	-	-
Provision for impairment of corporate loans	-323 138	-323 138	-	-339 447	-339 447	-	-16 309	-
residents	-322 693	-322 693	-	-338 996	-338 996	-	-16 303	-
state-owned enterprises	-445	-445	-	-451	-451	-	-6	-
Loans to private entrepreneurs	224 142	183 483	40 659	195 426	174 220	21 206	-9 263	-19 453
up to 3 years	58 529	58 529	-	55 098	55 098	-	-3 431	-
more than 3 years	176 230	135 571	40 659	152 587	131 381	21 206	-4 190	-19 453
Past-due	92 879	92 879	-	93 992	93 992	-	1 113	-
Provision for impairment of loans to private entrepreneurs	-103 496	-103 496	-	-106 251	-106 251	-	-2 755	-
Loans to individuals	107 614	107 614	-	99 068	99 068	-	-8 546	-
Standard	107 805	107 805	-	99 230	99 230	-	-8 575	-
up to 30 days	4 113	4 113	-	3 504	3 504	-	-609	-
up to 3 years	31 404	31 404	-	27 392	27 392	-	-4 012	-
more than 3 years	72 288	72 288	-	68 334	68 334	-	-3 954	-
Memo: mortgage loans	15 801	15 801	-	15 263	15 263	-	-538	-
Past-due	25 923	25 923	-	28 527	28 527	-	2 604	-
Past-due	25 923	25 923	-	28 527	28 527	-	2 604	-
Memo: mortgage loans past-due	25	25	-	65	65	-	40	-
Provision for impairment of loans to individuals	-26 114	-26 114	-	-28 689	-28 689	-	-2 575	-
Other assets	215 857	184 911	30 946	172 509	141 854	30 655	-43 057	-291
Mandatory reserves with Central Bank	35 387	35 387	-	32 547	32 547	-	-2 840	-
Premises and equipment	20 711	20 711	-	20 339	20 339	-	-372	-
Purchase cost	51 264	51 264	-	51 231	51 231	-	-33	-
Depreciation	-30 553	-30 553	-	-30 892	-30 892	-	-339	-
Accrued interest not yet received	4 635	4 635	-	8 069	8 069	-	3 434	-
Other assets	333 930	302 984	30 946	328 844	298 189	30 655	-4 795	-291
Provision for impairment of other assets	-178 806	-178 806	-	-217 290	-217 290	-	-38 484	-
LIABILITIES	5 677 662	5 230 490	447 172	5 964 928	5 446 754	518 174	216 264	71 002
Dues to banks	600 000	600 000	-	600 000	600 000	-	-	-
Term	600 000	600 000	-	600 000	600 000	-	-	-
Residents	600 000	600 000	-	600 000	600 000	-	-	-
more than 180 days	600 000	600 000	-	600 000	600 000	-	-	-
On demand	903 078	785 568	117 510	1 017 705	842 354	175 351	56 786	57 841
Corporate clients	593 202	508 088	85 114	699 916	568 993	130 923	60 905	45 809
State-owned enterprises	711	711	-	947	947	-	236	-
Residents	592 491	507 377	85 114	698 969	568 046	130 923	60 669	45 809
Individuals	309 876	277 480	32 396	317 789	273 361	44 428	-4 119	12 032
Residents	292 350	269 142	23 208	304 541	268 193	36 348	-949	13 140
Non-residents	17 526	8 338	9 188	13 248	5 168	8 080	-3 170	-1 108
Term	4 051 287	3 726 583	324 704	4 210 831	3 871 606	339 225	145 023	14 521
Corporate clients	418 840	402 757	16 083	414 450	404 538	9 912	1 781	-6 171
Residents	388 700	372 617	16 083	384 019	374 107	9 912	1 490	-6 171
up to 30 days	68 683	62 250	6 433	61 820	61 820	-	-430	-6 433
up to 180 days	133 603	133 603	-	115 523	115 523	-	-18 080	-
up to 1 year	131 950	122 300	9 650	152 212	142 300	9 912	20 000	262
up to 3 years	2 100	2 100	-	2 100	2 100	-	-	-
more than 3 years	52 364	52 364	-	52 364	52 364	-	-	-
State-owned enterprises	30 140	30 140	-	30 431	30 431	-	291	-
up to 180 days	30 140	30 140	-	30 431	30 431	-	291	-
Individuals	3 632 447	3 323 826	308 621	3 796 381	3 467 068	329 313	143 242	20 692
residents	3 613 558	3 309 534	304 024	3 776 668	3 452 787	323 881	143 253	19 857
up to 180 days	310 618	286 336	24 282	331 915	308 685	23 230	22 349	-1 052
up to 1 year	2 884 529	2 695 032	189 497	2 868 401	2 700 314	168 087	5 282	-21 410
up to 3 years	382 959	292 714	90 245	541 328	408 764	132 564	116 050	42 319
more than 3 years	35 452	35 452	-	35 024	35 024	-	-428	-
non-residents	18 889	14 292	4 597	19 713	14 281	5 432	-11	835
up to 180 days	6 203	5 796	407	6 145	5 800	345	4	-62
up to 1 year	9 623	7 339	2 284	9 136	6 805	2 331	-534	47
up to 3 years	3 063	1 157	1 906	4 432	1 676	2 756	519	850
Other liabilities	123 297	118 339	4 958	136 392	132 794	3 598	14 455	-1 360
Other liabilities	31 497	30 309	1 188	30 016	29 804	212	-505	-976
Accrued interest not yet paid	90 145	86 375	3 770	105 247	101 861	3 386	15 486	-384
Deferred tax liabilities	1 655	1 655	-	1 129	1 129	-	-526	-
EQUITY	694 108	694 108	-	657 274	657 274	-	-36 834	-
Capital	402 271	402 271	-	402 271	402 271	-	-	-
Profit from previous years	339 788	339 788	-	339 788	339 788	-	-	-
Retained earnings from previous years	339 788	339 788	-	339 788	339 788	-	-	-
Current year profit	-47 941	-47 941	-	-84 771	-84 771	-	-36 830	-
Current year retained earnings	-47 941	-47 941	-	-84 771	-84 771	-	-36 830	-
Future expenses	-10	-10	-	-14	-14	-	-4	-
OFF-BALANCE SHEET	3 008 940	3 019 212	-10 272	2 926 431	2 936 986	-10 555	-82 226	-283
Contingent liabilities	-32 785	-28 446	-4 339	-31 776	-27 315	-4 461	1 131	-122
Unused credit limits opened	-32 785	-28 446	-4 339	-31 776	-27 315	-4 461	1 131	-122
Collateral on loans	2 120 238	2 120 238	-	2 050 754	2 050 754	-	-69 484	-
goods	2 120 238	2 120 238	-	2 050 754	2 050 754	-	-69 484	-
Unprocessed payments	920 426	920 425	1	900 348	900 347	1	-20 078	-
Due to lack of funds on client accounts	920 426	920 425	1	900 348	900 347	1	-20 078	-
Other off-balance sheet accounts	1 061	6 995	-5 934	7 105	13 200	-6 095	6 205	-161
Accrued interest not yet received	42 276	42 276	-	48 481	48 481	-	6 205	-
Written-off interest	-4 781	-4 781	-	-4 781	-4 781	-	-	-
Written-off loans	-36 434	-30 500	-5 934	-36 595	-30 500	-6 095	-	-161
Credit card balances	4 113	4 113	-	3 504	3 504	-	-609	-
Past due ratio, total	3 442	3 580	-138	3 658	3 743	-85	163	53
Past due ratio, individuals	1 940	1 940	-0	2 238	2 238	0	298	0
Past due ratio, corporates	3 997	4 024	-27	4 157	4 182	-25	158	2
Past due ratio, entrepreneurs	2 835	3 236	-401	3 116	3 351	-235	115	166
Past due ratio, corporates + entrepreneurs	3 634	3 798	-164	3 841	3 942	-101	143	64
Risk-weighted assets	3 829 781	3 829 781	-	3 704 595	3 704 595	-	-125 186	-
Past-due rate:	34,42%	35,80%	0,00%	36,58%	37,43%	0,00%	1,63%	0,00%
corporate clients:	36,34%	37,98%	0,00%	38,41%	39,42%	0,00%	1,43%	0,00%
individuals:	19,38%	19,38%	-	22,33%	22,33%	-	2,94%	0,00%

You can also get acquainted with balance sheet aggregation methodics.

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