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

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	BINBANK STOLITSA	add to comparison
Central Bank of Russia registration number: 3052 retail lending, car loans, complies with 214-FZ (equity construction)

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	4 355 097	4 355 097
High liquid assets	74 428	74 428
Cash and equivalents	51 981	51 981
Cash	12 155	12 155
in cash and en route	12 155	12 155
Nostro account with Central Bank	39 826	39 826
Nostro accounts	18 119	18 119
Residents	18 119	18 119
Money in transfer	4 592	4 592
Provision for impairment of high-liquid assets	-264	-264
Interest-earning assets	4 137 071	4 137 071
Dues from banks	2 604 500	2 604 500
Residents	2 630 000	2 630 000
up to 30 days	2 630 000	2 630 000
Provision for impairment of loans to banks	-25 500	-25 500
residents	60 000	60 000
up to 1 year	60 000	60 000
Provision for impairment of corporate loans	-60 000	-60 000
residents	-60 000	-60 000
Loans to individuals	1 532 571	1 532 571
Standard	1 687 012	1 687 012
up to 30 days	6 886	6 886
up to 1 year	9	9
up to 3 years	12 632	12 632
more than 3 years	1 667 485	1 667 485
Memo: mortgage loans	6 493	6 493
Past-due	420 088	420 088
Past-due	420 088	420 088
Provision for impairment of loans to individuals	-574 529	-574 529
Other assets	143 598	143 598
Mandatory reserves with Central Bank	24 631	24 631
Premises and equipment	82 978	82 978
Purchase cost	127 834	127 834
Depreciation	-44 856	-44 856
Accrued interest not yet received	23 030	23 030
Other assets	22 879	22 879
Provision for impairment of other assets	-12 530	-12 530
Deferred tax asset	2 610	2 610
LIABILITIES	2 923 080	2 923 080
On demand	141 450	141 450
Corporate clients	74 488	74 488
Residents	74 488	74 488
Individuals	66 962	66 962
Residents	66 962	66 962
Term	2 735 415	2 735 415
Individuals	2 735 415	2 735 415
residents	2 735 415	2 735 415
up to 1 year	13 907	13 907
up to 3 years	805 084	805 084
more than 3 years	1 916 424	1 916 424
Other liabilities	46 215	46 215
Other liabilities	36 633	36 633
Accrued interest not yet paid	9 582	9 582
EQUITY	1 432 017	1 432 017
Capital	1 429 534	1 429 534
Profit from previous years	28 047	28 047
Retained earnings from previous years	28 047	28 047
Current year profit	-24 380	-24 380
Current year retained earnings	-24 380	-24 380
Future expenses	-1 184	-1 184
OFF-BALANCE SHEET	4 288 904	4 288 904
Contingent liabilities	-3 616	-3 616
Unused credit limits opened	-3 616	-3 616
Collateral on loans	4 274 947	4 274 947
goods	4 274 947	4 274 947
Other off-balance sheet accounts	17 573	17 573
Accrued interest not yet received	30 537	30 537
Written-off interest	-1 157	-1 157
Written-off loans	-11 807	-11 807
Credit card balances	6 886	6 886
Risk-weighted assets	3 859 496	3 859 496
Reserve rates:
Loans to banks:	-0,97%	-100,0%
Customer loans, total:	-29,28%	-100,0%
including individual loans:	-27,27%	-100,0%
Past-due rate:	-19,38%	-100,0%
individuals:	-19,94%	-100,0%
o/w mortgages:	0,00%	-

You can also get acquainted with balance sheet aggregation methodics.

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