Kuap. Ru - Balance sheet of БМ-БАНК, analysis of f.101

	BM-BANK	add to comparison
Central Bank of Russia registration number: 2748 state-controlled, under US sanctions, under resolution, 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	511 119 816	511 119 816
High liquid assets	1 691 523	1 691 523
Cash and equivalents	1 450 435	1 450 435
Cash	89 030	89 030
in cash and en route	89 030	89 030
Nostro account with Central Bank	1 361 405	1 361 405
Nostro accounts	206 516	206 516
Residents	206 516	206 516
Money in transfer	34 712	34 712
Provision for impairment of high-liquid assets	-140	-140
Interest-earning assets	400 791 425	400 791 425
Dues from banks	231 017 287	231 017 287
Residents	231 074 432	231 074 432
up to 30 days	52 296 000	52 296 000
up to 180 days	159 780 936	159 780 936
more than 180 days	18 997 496	18 997 496
Non-residents	143 321	143 321
up to 30 days	43 321	43 321
more than 180 days	100 000	100 000
Provision for impairment of loans to banks	-200 466	-200 466
Securities	148 545 814	148 545 814
Bonds	146 431 700	146 431 700
Federal Loan Bonds (OFZs), OBRs	109 617 255	109 617 255
Financial institutions bonds	39 009 538	39 009 538
Valuation allowance	-2 195 093	-2 195 093
Stocks	115 907	115 907
Residents	363 098	363 098
Valuation allowance	-247 191	-247 191
Mutual funds	1 998 207	1 998 207
Loans to corporate clients	18 028 041	18 028 041
residents	9 730 530	9 730 530
up to 30 days	62 099	62 099
up to 1 year	458 270	458 270
up to 3 years	435 343	435 343
more than 3 years	8 774 818	8 774 818
state-owned enterprises	1 088 600	1 088 600
up to 180 days	40 000	40 000
more than 3 years	1 048 600	1 048 600
Past-due	134 013 570	134 013 570
residents	112 676 812	112 676 812
non-residents	21 163 041	21 163 041
state-owned enterprises	173 717	173 717
Provision for impairment of corporate loans	-126 804 659	-126 804 659
residents	-106 752 888	-106 752 888
non-residents	-19 883 151	-19 883 151
state-owned enterprises	-168 620	-168 620
Loans to private entrepreneurs	173 644	173 644
up to 3 years	50 009	50 009
more than 3 years	115 443	115 443
Past-due	302 016	302 016
Provision for impairment of loans to private entrepreneurs	-293 824	-293 824
Loans to individuals	3 026 639	3 026 639
Standard	3 071 435	3 071 435
up to 30 days	229 762	229 762
up to 3 years	1 808	1 808
more than 3 years	2 839 865	2 839 865
Past-due	707 312	707 312
Past-due	707 312	707 312
Provision for impairment of loans to individuals	-752 108	-752 108
Other assets	108 636 868	108 636 868
Mandatory reserves with Central Bank	409 247	409 247
Premises and equipment	11 854 178	11 854 178
Purchase cost	14 032 017	14 032 017
Depreciation	-2 177 839	-2 177 839
Accrued interest not yet received	3 298 249	3 298 249
Other assets	45 995 636	45 995 636
Investments in subsidiaries	21 470	21 470
Provision for impairment of other assets	-29 024 594	-29 024 594
Derivatives - assets	11 145	11 145
Deferred tax asset	76 071 537	76 071 537
LIABILITIES	401 703 988	401 703 988
Dues to banks	52 258 003	52 258 003
Term	52 258 003	52 258 003
Residents	52 258 003	52 258 003
more than 180 days	52 258 003	52 258 003
On demand	4 816 215	4 816 215
Corporate clients	1 723 844	1 723 844
State-owned enterprises	11 295	11 295
Residents	1 704 262	1 704 262
Non-residents	8 287	8 287
Individuals	3 092 371	3 092 371
Residents	3 021 725	3 021 725
Non-residents	70 646	70 646
Term	340 539 124	340 539 124
Corporate clients	335 666 953	335 666 953
Residents	70 352 149	70 352 149
up to 30 days	196 000	196 000
up to 180 days	7 080 936	7 080 936
up to 3 years	17 056 385	17 056 385
more than 3 years	46 018 828	46 018 828
State-owned enterprises	265 314 804	265 314 804
more than 3 years	265 314 804	265 314 804
Individuals	4 872 171	4 872 171
residents	4 816 324	4 816 324
up to 180 days	25 354	25 354
up to 1 year	312 115	312 115
up to 3 years	4 446 576	4 446 576
more than 3 years	32 279	32 279
non-residents	55 847	55 847
up to 180 days	774	774
up to 1 year	3 960	3 960
up to 3 years	50 287	50 287
more than 3 years	826	826
Securities issued	303 304	303 304
Promissory notes	303 282	303 282
up to 3 years	90 836	90 836
more than 3 years	212 446	212 446
Depositary certificates	22	22
up to 30 days	22	22
Other liabilities	3 787 342	3 787 342
Other liabilities	1 979 917	1 979 917
Accrued interest not yet paid	1 788 638	1 788 638
Derivatives - liabilities	18 787	18 787
EQUITY	109 415 828	109 415 828
Capital	104 579 930	104 579 930
Profit from previous years	3 416 923	3 416 923
Retained earnings from previous years	3 416 923	3 416 923
Current year profit	1 418 975	1 418 975
Current year retained earnings	1 418 975	1 418 975
OFF-BALANCE SHEET	-21 584 623	-21 584 623
Unused credit limits available	46 750 000	46 750 000
Contingent liabilities	-3 372 669	-3 372 669
Guarantees issued	-2 122 908	-2 122 908
Unused credit limits opened	-787 961	-787 961
Unused guarantee limits	-461 800	-461 800
Collateral on loans	142 207 528	142 207 528
goods	125 744 829	125 744 829
securities	16 462 699	16 462 699
Unprocessed payments	11 898 654	11 898 654
Due to lack of funds on client accounts	11 898 654	11 898 654
Other off-balance sheet accounts	-219 068 136	-219 068 136
Written-off interest	-64 649 232	-64 649 232
Written-off loans	-154 418 904	-154 418 904
Credit card balances	229 762	229 762
Risk-weighted assets	308 344 550	308 344 550
Reserve rates:
Loans to banks:	-0,09%	-100,0%
Customer loans, total:	-85,66%	-100,0%
including corporate loans:	-87,47%	-100,0%
including individual loans:	-19,90%	-100,0%
Past-due rate:	-90,57%	-100,0%
corporate clients:	-92,44%	-100,0%
individuals:	-18,72%	-100,0%