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

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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. 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	9 951 551	9 951 551
High liquid assets	1 029 389	1 029 389
Cash and equivalents	962 797	962 797
Cash	787 485	787 485
in cash and en route	632 558	632 558
in ATMs	103 184	103 184
precious metals	51 743	51 743
Nostro account with Central Bank	175 312	175 312
Nostro accounts	30 516	30 516
Residents	30 516	30 516
Money in transfer	33 193	33 193
Exchange accounts	2 883	2 883
Interest-earning assets	5 240 507	5 240 507
Dues from banks	208 947	208 947
Residents	208 947	208 947
up to 30 days	208 947	208 947
Securities	888 461	888 461
Bonds	2 480	2 480
Corporate bonds	2 462	2 462
Valuation allowance	18	18
Stocks	600 955	600 955
Residents	320 305	320 305
Valuation allowance	-2 728	-2 728
Pledged under REPO	283 378	283 378
Mutual funds	285 026	285 026
Loans to corporate clients	1 270 803	1 270 803
residents	859 614	859 614
up to 30 days	193 676	193 676
up to 1 year	140 681	140 681
up to 3 years	130 611	130 611
more than 3 years	394 646	394 646
Past-due	613 601	613 601
residents	613 601	613 601
Provision for impairment of corporate loans	-202 412	-202 412
residents	-202 412	-202 412
Loans to private entrepreneurs	52 562	52 562
up to 30 days	3 199	3 199
up to 1 year	6 914	6 914
up to 3 years	8 087	8 087
more than 3 years	26 451	26 451
Past-due	11 654	11 654
Provision for impairment of loans to private entrepreneurs	-3 743	-3 743
Loans to individuals	2 819 734	2 819 734
Standard	2 596 858	2 596 858
up to 30 days	291 247	291 247
up to 180 days	99	99
up to 1 year	31 784	31 784
up to 3 years	1 164 054	1 164 054
more than 3 years	1 109 674	1 109 674
Past-due	604 852	604 852
Past-due	604 852	604 852
Provision for impairment of loans to individuals	-381 976	-381 976
Other assets	3 681 655	3 681 655
Mandatory reserves with Central Bank	246 579	246 579
Premises and equipment	720 463	720 463
Purchase cost	1 308 177	1 308 177
Depreciation	-587 714	-587 714
Accrued interest not yet received	43 281	43 281
Assets under management	3 666	3 666
Other assets	2 388 358	2 388 358
Provision for impairment of other assets	-422 481	-422 481
Derivatives - assets	701 789	701 789
LIABILITIES	9 020 992	9 020 992
Dues to banks	303 086	303 086
Term	300 027	300 027
Residents	300 027	300 027
up to 180 days	300 027	300 027
Other dues to banks	3 059	3 059
On demand	1 355 397	1 355 397
Corporate clients	351 513	351 513
State-owned enterprises	6 544	6 544
Residents	344 851	344 851
Non-residents	118	118
Individuals	776 383	776 383
Residents	772 459	772 459
Non-residents	3 924	3 924
Brokerage accounts	227 501	227 501
Residents	227 501	227 501
Term	6 851 469	6 851 469
Corporate clients	400 051	400 051
Residents	391 051	391 051
up to 180 days	40 800	40 800
up to 1 year	250	250
more than 3 years	350 001	350 001
State-owned enterprises	9 000	9 000
up to 180 days	8 000	8 000
up to 1 year	1 000	1 000
Individuals	6 451 418	6 451 418
residents	6 428 447	6 428 447
up to 180 days	288 247	288 247
up to 1 year	473 307	473 307
up to 3 years	5 192 066	5 192 066
more than 3 years	474 827	474 827
non-residents	22 971	22 971
up to 180 days	3 037	3 037
up to 1 year	3 276	3 276
up to 3 years	16 658	16 658
Securities issued	190 000	190 000
Bonds	190 000	190 000
Other liabilities	321 040	321 040
Other liabilities	70 048	70 048
Accrued interest not yet paid	202 089	202 089
Derivatives - liabilities	5 711	5 711
Deferred tax liabilities	43 192	43 192
EQUITY	930 559	930 559
Capital	985 251	985 251
Profit from previous years	449 872	449 872
Retained earnings from previous years	449 872	449 872
Current year profit	-500 555	-500 555
Current year retained earnings	-500 555	-500 555
Future expenses	-4 009	-4 009
OFF-BALANCE SHEET	3 427 041	3 427 041
Contingent liabilities	-554 818	-554 818
Guarantees issued	-406 890	-406 890
Unused credit limits opened	-68 337	-68 337
Unused guarantee limits	-79 591	-79 591
Collateral on loans	3 271 454	3 271 454
goods	3 000 837	3 000 837
securities	270 617	270 617
Unprocessed payments	670 974	670 974
Due to lack of funds on client accounts	670 974	670 974
Other off-balance sheet accounts	39 431	39 431
Accrued interest not yet received	84 995	84 995
Written-off interest	-5 436	-5 436
Written-off loans	-40 128	-40 128
Credit card balances	291 247	291 247
Risk-weighted assets	11 752 944	11 752 944
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-12,29%	-100,0%
including corporate loans:	-13,48%	-100,0%
including individual loans:	-11,93%	-100,0%
Past-due rate:	-26,00%	-100,0%
corporate clients:	-40,88%	-100,0%
individuals:	-18,89%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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