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

	BINBANK	add to comparison
Central Bank of Russia registration number: 323 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	562 267 903	562 267 903
High liquid assets	142 738 296	142 738 296
Cash and equivalents	18 556 033	18 556 033
Cash	14 318 735	14 318 735
in cash and en route	11 000 480	11 000 480
in ATMs	3 293 453	3 293 453
precious metals	24 802	24 802
Nostro account with Central Bank	4 237 298	4 237 298
Nostro accounts	119 947 180	119 947 180
Non-residents	3 959 558	3 959 558
Residents	115 987 622	115 987 622
Money in transfer	4 291 471	4 291 471
Provision for impairment of high-liquid assets	-56 388	-56 388
Interest-earning assets	402 302 592	402 302 592
Dues from banks	180 337 113	180 337 113
Central Bank of Russia	140 000 000	140 000 000
Residents	40 001 000	40 001 000
up to 30 days	1 000	1 000
up to 180 days	40 000 000	40 000 000
Non-residents	336 113	336 113
up to 30 days	336 113	336 113
Loans past-due	1 641	1 641
residents	1 641	1 641
Provision for impairment of loans to banks	-1 641	-1 641
Securities	97 703 122	97 703 122
Bonds	60 144 807	60 144 807
Federal Loan Bonds (OFZs), OBRs	29 205	29 205
Corporate bonds	5 662 601	5 662 601
Financial institutions bonds	10 600 960	10 600 960
Corporate foreign bonds	44 871 022	44 871 022
Valuation allowance	-777 064	-777 064
Past-due	10 932 602	10 932 602
Provision for impairment of bonds	-11 174 519	-11 174 519
Stocks	26 564 468	26 564 468
Residents	40 534 841	40 534 841
Valuation allowance	-13 697 087	-13 697 087
Provision for impairment of stocks	-273 286	-273 286
Mutual funds	10 993 847	10 993 847
Loans to corporate clients	89 652 826	89 652 826
residents	78 110 529	78 110 529
up to 30 days	780 007	780 007
up to 180 days	44 023 157	44 023 157
up to 1 year	7 585 841	7 585 841
up to 3 years	4 930 981	4 930 981
more than 3 years	20 790 543	20 790 543
non-residents	3 140 967	3 140 967
up to 30 days	2 812 585	2 812 585
up to 1 year	90 000	90 000
up to 3 years	238 382	238 382
state-owned enterprises	14 155 855	14 155 855
up to 180 days	5 000	5 000
up to 1 year	2 500 000	2 500 000
up to 3 years	1 981 733	1 981 733
more than 3 years	9 669 122	9 669 122
Past-due	11 213 504	11 213 504
residents	9 552 187	9 552 187
non-residents	1 534 367	1 534 367
state-owned enterprises	126 950	126 950
Provision for impairment of corporate loans	-16 968 029	-16 968 029
residents	-15 310 950	-15 310 950
non-residents	-1 521 353	-1 521 353
state-owned enterprises	-135 726	-135 726
Loans to private entrepreneurs	2 524 364	2 524 364
up to 30 days	70 420	70 420
up to 180 days	188 181	188 181
up to 1 year	21 170	21 170
up to 3 years	306 425	306 425
more than 3 years	2 047 829	2 047 829
Past-due	416 690	416 690
Provision for impairment of loans to private entrepreneurs	-526 351	-526 351
Loans to individuals	32 085 167	32 085 167
Standard	33 758 368	33 758 368
up to 30 days	3 148 665	3 148 665
up to 1 year	114 166	114 166
up to 3 years	2 425 606	2 425 606
more than 3 years	28 069 931	28 069 931
Past-due	11 205 448	11 205 448
Past-due	11 205 448	11 205 448
Provision for impairment of loans to individuals	-12 878 649	-12 878 649
Other assets	17 227 015	17 227 015
Mandatory reserves with Central Bank	4 018 824	4 018 824
Premises and equipment	12 137 059	12 137 059
Purchase cost	16 947 157	16 947 157
Depreciation	-4 810 098	-4 810 098
Accrued interest not yet received	1 298 317	1 298 317
Factoring	4 325 442	4 325 442
Other assets	41 051 140	41 051 140
Investments in subsidiaries	7 064 689	7 064 689
Provision for impairment of other assets	-57 863 543	-57 863 543
Deferred tax asset	5 195 087	5 195 087
LIABILITIES	480 049 888	480 049 888
Dues to banks	9 355 443	9 355 443
On demand	6 219 756	6 219 756
Residents	5 139 991	5 139 991
Non-residents	1 079 765	1 079 765
Term	3 035 717	3 035 717
Residents	3 006 679	3 006 679
up to 30 days	3 006 679	3 006 679
Non-residents	29 038	29 038
more than 180 days	29 038	29 038
Other dues to banks	99 970	99 970
On demand	65 070 529	65 070 529
Corporate clients	37 543 154	37 543 154
State-owned enterprises	518 057	518 057
Residents	31 735 873	31 735 873
Non-residents	5 289 224	5 289 224
Individuals	27 449 795	27 449 795
Residents	26 855 672	26 855 672
Non-residents	594 123	594 123
Brokerage accounts	77 580	77 580
Residents	76 567	76 567
Non-residents	1 013	1 013
Term	386 922 296	386 922 296
Corporate clients	30 533 991	30 533 991
Residents	19 630 504	19 630 504
up to 30 days	3 368 384	3 368 384
up to 180 days	12 496 728	12 496 728
up to 1 year	2 071 771	2 071 771
up to 3 years	1 581 995	1 581 995
more than 3 years	111 626	111 626
Non-residents	10 745 493	10 745 493
up to 30 days	50 150	50 150
up to 180 days	181 753	181 753
up to 1 year	93 000	93 000
more than 3 years	10 420 590	10 420 590
State-owned enterprises	157 994	157 994
up to 180 days	157 500	157 500
up to 1 year	40	40
up to 3 years	454	454
Individuals	356 388 305	356 388 305
residents	354 194 869	354 194 869
up to 30 days	6	6
up to 180 days	29 196 775	29 196 775
up to 1 year	131 779 618	131 779 618
up to 3 years	188 021 626	188 021 626
more than 3 years	5 196 844	5 196 844
non-residents	2 193 436	2 193 436
up to 180 days	254 370	254 370
up to 1 year	657 356	657 356
up to 3 years	1 210 822	1 210 822
more than 3 years	70 888	70 888
Securities issued	4 434 617	4 434 617
Bonds	4 031 821	4 031 821
Promissory notes	402 796	402 796
on demand	47 123	47 123
up to 3 years	164 112	164 112
more than 3 years	221 246	221 246
Discount accrued	-29 685	-29 685
Other liabilities	14 267 003	14 267 003
Other liabilities	5 345 920	5 345 920
Accrued interest not yet paid	7 811 984	7 811 984
Deferred tax liabilities	1 109 099	1 109 099
EQUITY	82 218 014	82 218 014
Capital	46 948 845	46 948 845
Profit from previous years	35 373 447	35 373 447
Retained earnings from previous years	35 373 447	35 373 447
Future expenses	-104 278	-104 278
OFF-BALANCE SHEET	49 568 759	49 568 759
Contingent liabilities	-161 505 403	-161 505 403
Guarantees issued	-92 901 199	-92 901 199
Unused credit limits opened	-28 188 310	-28 188 310
Unused guarantee limits	-40 415 894	-40 415 894
Collateral on loans	161 741 909	161 741 909
goods	141 020 317	141 020 317
securities	20 721 592	20 721 592
Unprocessed payments	55 806 121	55 806 121
Due to lack of funds on client accounts	55 806 121	55 806 121
Other off-balance sheet accounts	-6 473 868	-6 473 868
Accrued interest not yet received	5 668 426	5 668 426
Written-off interest	-2 407 872	-2 407 872
Written-off loans to banks	-42 480	-42 480
Written-off loans	-9 691 942	-9 691 942
Credit card balances	3 148 665	3 148 665
Risk-weighted assets	448 309 514	448 309 514
Reserve rates:
Loans to banks:	-0,00%	-100,0%
Customer loans, total:	-19,33%	-100,0%
including corporate loans:	-15,95%	-100,0%
including individual loans:	-28,64%	-100,0%
Past-due rate:	-14,77%	-100,0%
corporate clients:	-10,60%	-100,0%
individuals:	-24,92%	-100,0%