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

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	BINBANK DIGITAL	add to comparison
Central Bank of Russia registration number: 2827 retail lending, under resolution, CB RF representative

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	18 634 339	18 634 339
High liquid assets	4 094 168	4 094 168
Cash and equivalents	506 805	506 805
Nostro account with Central Bank	506 805	506 805
Nostro accounts	3 579 020	3 579 020
Non-residents	38 606	38 606
Residents	3 540 414	3 540 414
Money in transfer	10 704	10 704
Provision for impairment of high-liquid assets	-2 361	-2 361
Interest-earning assets	13 407 115	13 407 115
Dues from banks	4 671 830	4 671 830
Residents	3 000 000	3 000 000
up to 30 days	3 000 000	3 000 000
Non-residents	1 671 830	1 671 830
up to 30 days	1 671 830	1 671 830
Securities	254 458	254 458
Stocks	254 458	254 458
Valuation allowance	254 458	254 458
Loans to corporate clients	70 335	70 335
non-residents	70 335	70 335
up to 30 days	70 335	70 335
Loans to individuals	8 410 492	8 410 492
Standard	9 363 206	9 363 206
up to 30 days	9 359 680	9 359 680
up to 3 years	9	9
more than 3 years	3 517	3 517
Memo: mortgage loans	8 608	8 608
Past-due	5 716 435	5 716 435
Past-due	5 716 435	5 716 435
Memo: mortgage loans past-due	5 090	5 090
Provision for impairment of loans to individuals	-6 669 149	-6 669 149
Other assets	1 133 056	1 133 056
Mandatory reserves with Central Bank	133 708	133 708
Premises and equipment	392 661	392 661
Purchase cost	1 335 743	1 335 743
Depreciation	-943 082	-943 082
Accrued interest not yet received	200 487	200 487
Other assets	885 025	885 025
Provision for impairment of other assets	-688 025	-688 025
Deferred tax asset	209 200	209 200
LIABILITIES	13 716 590	13 716 590
On demand	12 065 154	12 065 154
Corporate clients	48 846	48 846
State-owned enterprises	1	1
Residents	44 580	44 580
Non-residents	4 265	4 265
Individuals	12 016 308	12 016 308
Residents	11 819 167	11 819 167
Non-residents	197 141	197 141
Term	577 819	577 819
Corporate clients	4	4
Residents	4	4
up to 180 days	1	1
up to 1 year	1	1
up to 3 years	2	2
Individuals	577 815	577 815
residents	559 118	559 118
up to 30 days	6	6
up to 180 days	26 368	26 368
up to 1 year	109 370	109 370
up to 3 years	411 464	411 464
more than 3 years	11 910	11 910
non-residents	18 697	18 697
up to 30 days	11	11
up to 180 days	1 491	1 491
up to 1 year	5 373	5 373
up to 3 years	11 812	11 812
more than 3 years	10	10
Other liabilities	1 073 617	1 073 617
Other liabilities	1 023 773	1 023 773
Accrued interest not yet paid	60	60
Deferred tax liabilities	49 784	49 784
EQUITY	4 917 749	4 917 749
Capital	5 165 265	5 165 265
Profit from previous years	-247 425	-247 425
Retained earnings from previous years	-247 425	-247 425
Future expenses	-91	-91
OFF-BALANCE SHEET	-6 023 701	-6 023 701
Contingent liabilities	-12 644 337	-12 644 337
Unused credit limits opened	-12 644 337	-12 644 337
Collateral on loans	98 446	98 446
goods	98 446	98 446
Unprocessed payments	2 573 437	2 573 437
Due to lack of funds on client accounts	2 573 437	2 573 437
Other off-balance sheet accounts	3 948 753	3 948 753
Accrued interest not yet received	4 692 069	4 692 069
Written-off interest	-311 095	-311 095
Written-off loans	-432 221	-432 221
Credit card balances	9 359 680	9 359 680
Risk-weighted assets	26 591 318	26 591 318
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-44,02%	-100,0%
including corporate loans:	0,00%	-
including individual loans:	-44,23%	-100,0%
Past-due rate:	-37,73%	-100,0%
corporate clients:	0,00%	-
individuals:	-37,91%	-100,0%
o/w mortgages:	-59,13%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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