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

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	BINBANK	add to comparison
Central Bank of Russia registration number: 2562 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	848 309 980	848 309 980
High liquid assets	32 203 939	32 203 939
Cash and equivalents	24 592 778	24 592 778
Cash	9 121 082	9 121 082
in cash and en route	7 695 619	7 695 619
in ATMs	1 420 716	1 420 716
precious metals	4 747	4 747
Nostro account with Central Bank	15 471 696	15 471 696
Nostro accounts	3 951 077	3 951 077
Non-residents	3 382 980	3 382 980
Residents	568 097	568 097
Money in transfer	882 664	882 664
Exchange accounts	2 794 935	2 794 935
Provision for impairment of high-liquid assets	-17 515	-17 515
Interest-earning assets	779 481 711	779 481 711
Dues from banks	593 357 043	593 357 043
Central Bank of Russia	23 000 000	23 000 000
Residents	566 171 566	566 171 566
up to 30 days	35 108 971	35 108 971
up to 180 days	382 521 365	382 521 365
more than 180 days	148 541 230	148 541 230
Non-residents	4 185 477	4 185 477
up to 30 days	411 255	411 255
up to 180 days	3 774 222	3 774 222
Loans past-due	700	700
residents	700	700
Provision for impairment of loans to banks	-700	-700
Securities	114 143 817	114 143 817
Bonds	106 250 189	106 250 189
Federal Loan Bonds (OFZs), OBRs	230 943	230 943
Corporate bonds	22 023 511	22 023 511
Financial institutions bonds	706 456	706 456
Corporate foreign bonds	3 763 423	3 763 423
Foreign financial institutions bonds	21 851 889	21 851 889
Valuation allowance	990 882	990 882
Pledged under REPO	56 890 054	56 890 054
Provision for impairment of bonds	-206 969	-206 969
Stocks	1 893 628	1 893 628
Residents	2 786 817	2 786 817
Valuation allowance	96 825	96 825
Provision for impairment of stocks	-990 014	-990 014
Mutual funds	6 000 000	6 000 000
Loans to corporate clients	55 736 250	55 736 250
residents	59 271 210	59 271 210
up to 30 days	349 974	349 974
up to 180 days	11 757 586	11 757 586
up to 1 year	16 560 237	16 560 237
up to 3 years	13 840 431	13 840 431
more than 3 years	16 762 982	16 762 982
non-residents	2 444 966	2 444 966
up to 30 days	865 366	865 366
up to 180 days	11 446	11 446
up to 1 year	10 301	10 301
up to 3 years	1 557 853	1 557 853
state-owned enterprises	5 667	5 667
up to 3 years	5 667	5 667
Past-due	4 444 212	4 444 212
residents	4 281 813	4 281 813
non-residents	45 296	45 296
state-owned enterprises	117 103	117 103
Provision for impairment of corporate loans	-10 429 805	-10 429 805
residents	-10 255 279	-10 255 279
non-residents	-58 488	-58 488
state-owned enterprises	-116 038	-116 038
Loans to private entrepreneurs	1 763 470	1 763 470
up to 30 days	17 053	17 053
up to 180 days	20 465	20 465
up to 1 year	1 316	1 316
up to 3 years	258 519	258 519
more than 3 years	1 490 339	1 490 339
Past-due	426 288	426 288
Provision for impairment of loans to private entrepreneurs	-450 510	-450 510
Loans to individuals	14 481 131	14 481 131
Standard	16 189 509	16 189 509
up to 30 days	1 351 054	1 351 054
up to 180 days	31 853	31 853
up to 1 year	537 017	537 017
up to 3 years	4 004 557	4 004 557
more than 3 years	10 265 028	10 265 028
Memo: mortgage loans	1 569 089	1 569 089
Past-due	8 036 950	8 036 950
Past-due	8 036 950	8 036 950
Memo: mortgage loans past-due	455 130	455 130
Provision for impairment of loans to individuals	-9 745 328	-9 745 328
Other assets	36 624 330	36 624 330
Mandatory reserves with Central Bank	4 078 876	4 078 876
Premises and equipment	6 722 314	6 722 314
Purchase cost	8 815 521	8 815 521
Depreciation	-2 093 207	-2 093 207
Accrued interest not yet received	1 032 067	1 032 067
Other assets	31 188 518	31 188 518
Investments in subsidiaries	61 855	61 855
Provision for impairment of other assets	-8 102 498	-8 102 498
Deferred tax asset	1 643 198	1 643 198
LIABILITIES	809 120 600	809 120 600
Dues to banks	178 680 453	178 680 453
On demand	11 954 146	11 954 146
Residents	11 954 146	11 954 146
Term	166 726 233	166 726 233
Central Bank of Russia	53 166 478	53 166 478
other	53 166 478	53 166 478
Residents	112 909 926	112 909 926
up to 30 days	64 019 887	64 019 887
up to 180 days	39 500 000	39 500 000
more than 180 days	9 390 039	9 390 039
Non-residents	649 829	649 829
more than 180 days	649 829	649 829
Other dues to banks	74	74
On demand	45 834 916	45 834 916
Corporate clients	26 035 558	26 035 558
State-owned enterprises	325 501	325 501
Residents	23 751 000	23 751 000
Non-residents	1 959 057	1 959 057
Individuals	19 792 998	19 792 998
Residents	19 126 657	19 126 657
Non-residents	666 341	666 341
Brokerage accounts	6 360	6 360
Residents	6 341	6 341
Non-residents	19	19
Term	460 495 910	460 495 910
Corporate clients	104 617 063	104 617 063
Residents	69 071 396	69 071 396
up to 30 days	14 702 731	14 702 731
up to 180 days	33 369 098	33 369 098
up to 1 year	13 864 511	13 864 511
up to 3 years	7 053 575	7 053 575
more than 3 years	81 481	81 481
Non-residents	20 086 076	20 086 076
up to 180 days	358 172	358 172
up to 1 year	839 700	839 700
more than 3 years	18 888 204	18 888 204
State-owned enterprises	15 459 591	15 459 591
up to 30 days	48 897	48 897
up to 180 days	2 383 109	2 383 109
up to 1 year	1 356 607	1 356 607
up to 3 years	3 010 978	3 010 978
more than 3 years	8 660 000	8 660 000
Individuals	355 878 847	355 878 847
residents	349 410 365	349 410 365
up to 30 days	6	6
up to 180 days	40 336 306	40 336 306
up to 1 year	181 270 481	181 270 481
up to 3 years	127 599 176	127 599 176
more than 3 years	204 396	204 396
non-residents	6 468 482	6 468 482
up to 180 days	919 133	919 133
up to 1 year	1 907 848	1 907 848
up to 3 years	3 635 547	3 635 547
more than 3 years	5 954	5 954
Securities issued	107 492 080	107 492 080
Bonds	103 314 924	103 314 924
Promissory notes	4 177 156	4 177 156
on demand	99 337	99 337
up to 180 days	2 156 282	2 156 282
up to 1 year	1 571 942	1 571 942
up to 3 years	341 492	341 492
more than 3 years	71 235	71 235
Discount accrued	-63 132	-63 132
Other liabilities	16 617 241	16 617 241
Other liabilities	1 652 980	1 652 980
Accrued interest not yet paid	14 481 297	14 481 297
Deferred tax liabilities	482 964	482 964
EQUITY	39 189 381	39 189 381
Capital	29 514 525	29 514 525
Profit from previous years	5 735 702	5 735 702
Retained earnings from previous years	5 735 702	5 735 702
Current year profit	4 023 216	4 023 216
Current year retained earnings	4 023 216	4 023 216
Future expenses	-84 062	-84 062
OFF-BALANCE SHEET	-58 443 094	-58 443 094
Unused credit limits available	2 026 458	2 026 458
Contingent liabilities	-135 240 437	-135 240 437
Guarantees issued	-43 934 086	-43 934 086
Unused credit limits opened	-17 981 957	-17 981 957
Unused guarantee limits	-73 324 394	-73 324 394
Collateral on loans	53 941 882	53 941 882
goods	48 948 890	48 948 890
securities	4 992 992	4 992 992
Unprocessed payments	23 193 178	23 193 178
Due to lack of funds on client accounts	23 193 178	23 193 178
Other off-balance sheet accounts	-2 364 175	-2 364 175
Accrued interest not yet received	1 876 538	1 876 538
Written-off interest	-570 832	-570 832
Written-off loans to banks	-5 000	-5 000
Written-off loans	-3 664 881	-3 664 881
Credit card balances	1 351 054	1 351 054
Risk-weighted assets	465 406 333	465 406 333
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-21,86%	-100,0%
including corporate loans:	-15,91%	-100,0%
including individual loans:	-40,23%	-100,0%
Past-due rate:	-13,94%	-100,0%
corporate clients:	-7,12%	-100,0%
individuals:	-33,17%	-100,0%
o/w mortgages:	-29,01%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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