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

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	BAYKALBANK	add to comparison
Central Bank of Russia registration number: 2632 retail lending, complies with 214-FZ (equity construction)

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	9 231 692	9 076 386	155 306	9 951 551	9 812 436	139 115	736 050	-16 191
High liquid assets	414 792	270 041	144 751	1 029 389	902 994	126 395	632 953	-18 356
Cash and equivalents	326 624	228 233	98 391	962 797	854 252	108 545	626 019	10 154
Cash	288 129	189 738	98 391	787 485	678 940	108 545	489 202	10 154
in cash and en route	182 522	133 549	48 973	632 558	577 077	55 481	443 528	6 508
in ATMs	57 442	56 189	1 253	103 184	101 863	1 321	45 674	68
precious metals	48 165	-	48 165	51 743	-	51 743	-	3 578
Nostro account with Central Bank	38 495	38 495	-	175 312	175 312	-	136 817	-
Nostro accounts	63 762	23 699	40 063	30 516	19 326	11 190	-4 373	-28 873
Residents	63 762	23 699	40 063	30 516	19 326	11 190	-4 373	-28 873
Money in transfer	21 643	18 109	3 534	33 193	29 416	3 777	11 307	243
Exchange accounts	2 763	-	2 763	2 883	-	2 883	-	120
Interest-earning assets	5 259 312	5 251 991	7 321	5 240 507	5 231 160	9 347	-20 831	2 026
Dues from banks	6 937	-	6 937	208 947	200 000	8 947	200 000	2 010
Residents	6 937	-	6 937	208 947	200 000	8 947	200 000	2 010
up to 30 days	6 937	-	6 937	208 947	200 000	8 947	200 000	2 010
Securities	857 072	857 072	-	888 461	888 461	-	31 389	-
Bonds	2 511	2 511	-	2 480	2 480	-	-31	-
Corporate bonds	2 446	2 446	-	2 462	2 462	-	16	-
Valuation allowance	65	65	-	18	18	-	-47	-
Stocks	569 535	569 535	-	600 955	600 955	-	31 420	-
Residents	274 467	274 467	-	320 305	320 305	-	45 838	-
Valuation allowance	11 690	11 690	-	-2 728	-2 728	-	-14 418	-
Pledged under REPO	283 378	283 378	-	283 378	283 378	-	-	-
Mutual funds	285 026	285 026	-	285 026	285 026	-	-	-
Loans to corporate clients	1 492 039	1 492 039	-	1 270 803	1 270 803	-	-221 236	-
residents	1 394 180	1 394 180	-	859 614	859 614	-	-534 566	-
up to 30 days	472 329	472 329	-	193 676	193 676	-	-278 653	-
up to 1 year	141 246	141 246	-	140 681	140 681	-	-565	-
up to 3 years	238 631	238 631	-	130 611	130 611	-	-108 020	-
more than 3 years	541 974	541 974	-	394 646	394 646	-	-147 328	-
Past-due	247 102	247 102	-	613 601	613 601	-	366 499	-
residents	247 102	247 102	-	613 601	613 601	-	366 499	-
Provision for impairment of corporate loans	-149 243	-149 243	-	-202 412	-202 412	-	-53 169	-
residents	-149 243	-149 243	-	-202 412	-202 412	-	-53 169	-
Loans to private entrepreneurs	60 148	60 148	-	52 562	52 562	-	-7 586	-
up to 30 days	7 436	7 436	-	3 199	3 199	-	-4 237	-
up to 1 year	7 951	7 951	-	6 914	6 914	-	-1 037	-
up to 3 years	9 779	9 779	-	8 087	8 087	-	-1 692	-
more than 3 years	29 772	29 772	-	26 451	26 451	-	-3 321	-
Past-due	10 459	10 459	-	11 654	11 654	-	1 195	-
Provision for impairment of loans to private entrepreneurs	-5 249	-5 249	-	-3 743	-3 743	-	1 506	-
Loans to individuals	2 843 116	2 842 732	384	2 819 734	2 819 334	400	-23 398	16
Standard	2 673 551	2 673 550	1	2 596 858	2 596 858	-	-76 692	-1
up to 30 days	300 655	300 654	1	291 247	291 247	-	-9 407	-1
up to 180 days	283	283	-	99	99	-	-184	-
up to 1 year	35 094	35 094	-	31 784	31 784	-	-3 310	-
up to 3 years	1 188 633	1 188 633	-	1 164 054	1 164 054	-	-24 579	-
more than 3 years	1 148 886	1 148 886	-	1 109 674	1 109 674	-	-39 212	-
Past-due	653 627	653 244	383	604 852	604 452	400	-48 792	17
Past-due	653 627	653 244	383	604 852	604 452	400	-48 792	17
Provision for impairment of loans to individuals	-484 062	-484 062	-	-381 976	-381 976	-	102 086	-
Other assets	3 557 588	3 554 354	3 234	3 681 655	3 678 282	3 373	123 928	139
Mandatory reserves with Central Bank	201 602	201 602	-	246 579	246 579	-	44 977	-
Premises and equipment	724 994	724 994	-	720 463	720 463	-	-4 531	-
Purchase cost	1 309 169	1 309 169	-	1 308 177	1 308 177	-	-992	-
Depreciation	-584 175	-584 175	-	-587 714	-587 714	-	-3 539	-
Accrued interest not yet received	55 558	55 558	-	43 281	43 281	-	-12 277	-
Assets under management	3 769	3 769	-	3 666	3 666	-	-103	-
Other assets	2 248 875	2 245 641	3 234	2 388 358	2 384 985	3 373	139 344	139
Provision for impairment of other assets	-423 283	-423 283	-	-422 481	-422 481	-	802	-
Derivatives - assets	746 073	746 073	-	701 789	701 789	-	-44 284	-
LIABILITIES	8 227 430	7 576 323	651 107	9 020 992	8 451 325	569 667	875 002	-81 440
Dues to banks	314 071	313 573	498	303 086	302 531	555	-11 042	57
Term	300 027	300 027	-	300 027	300 027	-	-	-
Residents	300 027	300 027	-	300 027	300 027	-	-	-
up to 180 days	300 027	300 027	-	300 027	300 027	-	-	-
Other dues to banks	14 044	13 546	498	3 059	2 504	555	-11 042	57
On demand	1 845 837	1 521 072	324 765	1 355 397	1 112 128	243 269	-408 944	-81 496
Corporate clients	605 884	451 332	154 552	351 513	281 915	69 598	-169 417	-84 954
State-owned enterprises	6 489	2 601	3 888	6 544	2 487	4 057	-114	169
Residents	599 285	448 622	150 663	344 851	279 311	65 540	-169 311	-85 123
Non-residents	110	109	1	118	117	1	8	-
Individuals	1 017 793	981 429	36 364	776 383	742 380	34 003	-239 049	-2 361
Residents	1 013 425	978 299	35 126	772 459	739 682	32 777	-238 617	-2 349
Non-residents	4 368	3 130	1 238	3 924	2 698	1 226	-432	-12
Brokerage accounts	222 160	88 311	133 849	227 501	87 833	139 668	-478	5 819
Residents	222 160	88 311	133 849	227 501	87 833	139 668	-478	5 819
Term	5 453 846	5 131 412	322 434	6 851 469	6 529 592	321 877	1 398 180	-557
Corporate clients	272 051	272 051	-	400 051	400 051	-	128 000	-
Residents	271 051	271 051	-	391 051	391 051	-	120 000	-
up to 180 days	40 800	40 800	-	40 800	40 800	-	-	-
up to 1 year	250	250	-	250	250	-	-	-
more than 3 years	230 001	230 001	-	350 001	350 001	-	120 000	-
State-owned enterprises	1 000	1 000	-	9 000	9 000	-	8 000	-
up to 180 days	-	-	-	8 000	8 000	-	8 000	-
up to 1 year	1 000	1 000	-	1 000	1 000	-	-	-
Individuals	5 181 795	4 859 361	322 434	6 451 418	6 129 541	321 877	1 270 180	-557
residents	5 162 030	4 844 996	317 034	6 428 447	6 113 362	315 085	1 268 366	-1 949
up to 180 days	247 311	234 718	12 593	288 247	272 951	15 296	38 233	2 703
up to 1 year	475 271	458 926	16 345	473 307	459 257	14 050	331	-2 295
up to 3 years	3 910 650	3 635 363	275 287	5 192 066	4 918 697	273 369	1 283 334	-1 918
more than 3 years	528 798	515 989	12 809	474 827	462 457	12 370	-53 532	-439
non-residents	19 765	14 365	5 400	22 971	16 179	6 792	1 814	1 392
up to 180 days	3 758	844	2 914	3 037	1 004	2 033	160	-881
up to 1 year	3 967	2 944	1 023	3 276	2 228	1 048	-716	25
up to 3 years	12 040	10 577	1 463	16 658	12 947	3 711	2 370	2 248
Securities issued	190 000	190 000	-	190 000	190 000	-	-	-
Bonds	190 000	190 000	-	190 000	190 000	-	-	-
Other liabilities	423 676	420 266	3 410	321 040	317 074	3 966	-103 192	556
Other liabilities	158 296	158 174	122	70 048	69 057	991	-89 117	869
Accrued interest not yet paid	218 504	215 216	3 288	202 089	199 114	2 975	-16 102	-313
Derivatives - liabilities	3 684	3 684	-	5 711	5 711	-	2 027	-
Deferred tax liabilities	43 192	43 192	-	43 192	43 192	-	-	-
EQUITY	1 004 263	1 004 263	-	930 559	930 559	-	-73 704	-
Capital	999 669	999 669	-	985 251	985 251	-	-14 418	-
Profit from previous years	449 872	449 872	-	449 872	449 872	-	-	-
Retained earnings from previous years	449 872	449 872	-	449 872	449 872	-	-	-
Current year profit	-440 927	-440 927	-	-500 555	-500 555	-	-59 628	-
Current year retained earnings	-440 927	-440 927	-	-500 555	-500 555	-	-59 628	-
Future expenses	-4 351	-4 351	-	-4 009	-4 009	-	342	-
OFF-BALANCE SHEET	3 478 032	3 477 891	141	3 427 041	3 426 894	147	-50 997	6
Contingent liabilities	-569 794	-569 794	-	-554 818	-554 818	-	14 976	-
Guarantees issued	-410 159	-410 159	-	-406 890	-406 890	-	3 269	-
Unused credit limits opened	-80 596	-80 596	-	-68 337	-68 337	-	12 259	-
Unused guarantee limits	-79 039	-79 039	-	-79 591	-79 591	-	-552	-
Collateral on loans	3 456 227	3 456 227	-	3 271 454	3 271 454	-	-184 773	-
goods	3 185 610	3 185 610	-	3 000 837	3 000 837	-	-184 773	-
securities	270 617	270 617	-	270 617	270 617	-	-	-
Unprocessed payments	546 489	546 489	-	670 974	670 974	-	124 485	-
Due to lack of funds on client accounts	546 489	546 489	-	670 974	670 974	-	124 485	-
Other off-balance sheet accounts	45 110	44 969	141	39 431	39 284	147	-5 685	6
Accrued interest not yet received	90 079	89 938	141	84 995	84 848	147	-5 090	6
Written-off interest	-5 436	-5 436	-	-5 436	-5 436	-	-	-
Written-off loans	-39 533	-39 533	-	-40 128	-40 128	-	-595	-
Credit card balances	300 655	300 654	1	291 247	291 247	-	-9 407	-1
Past due ratio, total	1 810	1 809	1	2 600	2 599	1	790	0
Past due ratio, individuals	1 965	1 964	1	1 889	1 888	1	-75	-1
Past due ratio, corporates	1 506	1 506	0	4 165	4 165	-0	2 660	-1
Past due ratio, entrepreneurs	1 599	1 599	-0	2 070	2 070	0	470	1
Past due ratio, corporates + entrepreneurs	1 509	1 509	-0	4 088	4 088	0	2 579	0
Risk-weighted assets	11 872 276	11 872 276	-	11 752 944	11 752 944	-	-119 332	-
Past-due rate:	18,10%	18,09%	99,74%	26,00%	25,99%	100,00%	7,90%	0,26%
corporate clients:	15,09%	15,09%	-	40,88%	40,88%	-	25,79%	0,00%
individuals:	19,65%	19,64%	99,74%	18,89%	18,88%	100,00%	-0,75%	0,26%

You can also get acquainted with balance sheet aggregation methodics.

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