Kuap. Ru - Balance sheet of БИНБАНК СМОЛЕНСК, analysis of f.101

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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. 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	6 622 203	6 622 203
High liquid assets	851 917	851 917
Cash and equivalents	389 101	389 101
Cash	239 694	239 694
in cash and en route	239 694	239 694
Nostro account with Central Bank	149 407	149 407
Nostro accounts	463 476	463 476
Residents	463 476	463 476
Money in transfer	2 922	2 922
Provision for impairment of high-liquid assets	-3 582	-3 582
Interest-earning assets	5 597 777	5 597 777
Dues from banks	4 950 000	4 950 000
Residents	4 950 000	4 950 000
up to 180 days	4 350 000	4 350 000
more than 180 days	600 000	600 000
Loans past-due	5 700	5 700
residents	5 700	5 700
Provision for impairment of loans to banks	-5 700	-5 700
Loans to corporate clients	353 283	353 283
residents	404 782	404 782
up to 1 year	2 100	2 100
up to 3 years	82 356	82 356
more than 3 years	320 326	320 326
Past-due	287 948	287 948
residents	287 468	287 468
state-owned enterprises	480	480
Provision for impairment of corporate loans	-339 447	-339 447
residents	-338 996	-338 996
state-owned enterprises	-451	-451
Loans to private entrepreneurs	195 426	195 426
up to 3 years	55 098	55 098
more than 3 years	152 587	152 587
Past-due	93 992	93 992
Provision for impairment of loans to private entrepreneurs	-106 251	-106 251
Loans to individuals	99 068	99 068
Standard	99 230	99 230
up to 30 days	3 504	3 504
up to 3 years	27 392	27 392
more than 3 years	68 334	68 334
Memo: mortgage loans	15 263	15 263
Past-due	28 527	28 527
Past-due	28 527	28 527
Memo: mortgage loans past-due	65	65
Provision for impairment of loans to individuals	-28 689	-28 689
Other assets	172 509	172 509
Mandatory reserves with Central Bank	32 547	32 547
Premises and equipment	20 339	20 339
Purchase cost	51 231	51 231
Depreciation	-30 892	-30 892
Accrued interest not yet received	8 069	8 069
Other assets	328 844	328 844
Provision for impairment of other assets	-217 290	-217 290
LIABILITIES	5 964 928	5 964 928
Dues to banks	600 000	600 000
Term	600 000	600 000
Residents	600 000	600 000
more than 180 days	600 000	600 000
On demand	1 017 705	1 017 705
Corporate clients	699 916	699 916
State-owned enterprises	947	947
Residents	698 969	698 969
Individuals	317 789	317 789
Residents	304 541	304 541
Non-residents	13 248	13 248
Term	4 210 831	4 210 831
Corporate clients	414 450	414 450
Residents	384 019	384 019
up to 30 days	61 820	61 820
up to 180 days	115 523	115 523
up to 1 year	152 212	152 212
up to 3 years	2 100	2 100
more than 3 years	52 364	52 364
State-owned enterprises	30 431	30 431
up to 180 days	30 431	30 431
Individuals	3 796 381	3 796 381
residents	3 776 668	3 776 668
up to 180 days	331 915	331 915
up to 1 year	2 868 401	2 868 401
up to 3 years	541 328	541 328
more than 3 years	35 024	35 024
non-residents	19 713	19 713
up to 180 days	6 145	6 145
up to 1 year	9 136	9 136
up to 3 years	4 432	4 432
Other liabilities	136 392	136 392
Other liabilities	30 016	30 016
Accrued interest not yet paid	105 247	105 247
Deferred tax liabilities	1 129	1 129
EQUITY	657 274	657 274
Capital	402 271	402 271
Profit from previous years	339 788	339 788
Retained earnings from previous years	339 788	339 788
Current year profit	-84 771	-84 771
Current year retained earnings	-84 771	-84 771
Future expenses	-14	-14
OFF-BALANCE SHEET	2 926 431	2 926 431
Contingent liabilities	-31 776	-31 776
Unused credit limits opened	-31 776	-31 776
Collateral on loans	2 050 754	2 050 754
goods	2 050 754	2 050 754
Unprocessed payments	900 348	900 348
Due to lack of funds on client accounts	900 348	900 348
Other off-balance sheet accounts	7 105	7 105
Accrued interest not yet received	48 481	48 481
Written-off interest	-4 781	-4 781
Written-off loans	-36 595	-36 595
Credit card balances	3 504	3 504
Risk-weighted assets	3 704 595	3 704 595
Reserve rates:
Loans to banks:	-0,12%	-100,0%
Customer loans, total:	-36,00%	-100,0%
including corporate loans:	-44,82%	-100,0%
including individual loans:	-22,46%	-100,0%
Past-due rate:	-36,58%	-100,0%
corporate clients:	-38,41%	-100,0%
individuals:	-22,33%	-100,0%
o/w mortgages:	-0,43%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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