17 Due to Individuals and Corporate Customers

In millions of Russian Roubles 2010 2009
Individuals:    
- Current/demand accounts 785,750 540,455
- Term deposits 4,048,709 3,246,857
Total due to individuals 4,834,459 3,787,312
State and public organisations:    
- Current/settlement accounts 116,827 104,004
- Term deposits 40,475 32,900
Total due to state and public organisations 157,302 136,904
Other corporate customers:    
- Current/settlement accounts 1,082,754 861,028
- Term deposits 576,616 653,627
Total due to other corporate customers 1,659,370 1,514,655
Total due to corporate customers 1,816,672 1,651,559
Total due to individuals and corporate customers 6,651,131 5,438,871

Economic sector concentrations within customer accounts are as follows:

  2010 2009
In millions of Russian Roubles Amount % Amount %
Individuals 4,834,459 72.7 3,787,312 69.6
Oil and gas 266,889 4.0 233,772 4.3
Trade 260,559 3.9 241,233 4.5
Services 254,117 3.8 248,421 4.6
Construction 166,905 2.5 153,049 2.8
Machine building 110,165 1.7 102,209 1.9
Energy 104,246 1.6 135,648 2.5
Metallurgy 87,854 1.3 51,935 1.0
Municipal bodies and state organisations 82,717 1.2 54,014 1.0
Food and agriculture 79,381 1.2 73,195 1.3
Chemical 44,269 0.7 51,589 0.9
Other 359,570 5.4 306,494 5.6
Total due to individuals and corporate customers 6,651,131 100.0 5,438,871 100.0

As at 31 December 2010 included in term deposits of corporate customers are deposits in the amount of RR 5 968 million (31 December 2009: RR 2 174million) received under sale and repurchase agreements with legal entities. Fair value of securities collateralised under these agreements amounted to RR 6 943million and was included in securities pledged under repurchase agreements (31 December 2009: RR 2 560 million). Refer to Notes 11 and 32.

As at 31 December 2010included in Due to corporate customers are deposits of RR 78 749million (31 December 2009: RR 82 068 million) held as collateral for irrevocable commitments under import letters of credit. Refer to Note 32.

As at 31 December 2010 the Group had 20 largest customers with balances above RR 7 450 million (31 December 2009: 20 customers with balances above RR 7 500 million). The aggregate balance of these customers was RR 561 760 million (31 December 2009: RR 456 986million) or 8.4% (31 December 2009: 8.4%) of total due to individuals and corporate customers.

The estimated fair value of due to individuals and corporate customers is disclosed in Note 34. Currency and maturity analyses of due to individuals and corporate customers are disclosed in Note 31. The information on related party balances is disclosed in Notes 35 and 36.

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