17. Due to Individuals and Corporate Customers

In mln of Russian Roubles 2011 2010
Individuals:    
- Current/demand accounts 1,077,039 785,750
- Term deposits 4,649,280 4,048,709
Total due to individuals 5,726,319 4,834,459
State and public organisations:    
- Current/settlement accounts 142,182 116,827
- Term deposits 39,560 40,475
Total due to state and public organisations 181,742 157,302
Other corporate Customers:    
- Current/settlement accounts 1,230,174 1,082,754
- Term deposits 793,898 576,616
Total due to other corporate customers 2,024,072 1,659,370
Total due to corporate customers 2,205,814 1,816,672
Total due to individuals and corporate customers 7,932,133 6,651,131

Economic sector concentrations within customer accounts are as follows:

In mln of Russian Roubles 2011 2010
  Amount % Amount %
Individuals 5,726,319 72.2 4,834,459 72.7
Services 450,186 5.7 254,117 3.8
Oil and gas 311,902 3.9 266,889 4.0
Trade 305,636 3.9 260,559 3.9
Construction 182,704 2.3 166,905 2.5
Machine building 132,237 1.7 110,165 1.7
Energy 122,241 1.5 104,246 1.6
Transport, aviation, space industry 79,736 1.0 57,687 0.9
Food and agriculture 78,601 1.0 79,381 1.2
Municipal bodies and state organisations 58,320 0.7 82,717 1.2
Chemical 56,349 0.7 44,269 0.7
Telecommunications 48,703 0.6 39,465 0.6
Metallurgy 43,306 0.5 87,854 1.3
Other 335,893 4.3 262,418 3.9
Total due to individuals and corporate customers 7,932,133 100.0 6,651,131 100.0

As at 31 December 2011 included in term deposits of corporate customers are deposits in the amount of RR 38 090 mln (2010: RR 5 968 mln) received under sale and repurchase agreements with legal entities. Fair value of securities collateralised under these agreements amounted to RR 46 054 mln and was included in securities pledged under repurchase agreements (2010: RR 6 943 mln). Refer to Notes 11 and 32.

Included in term deposits of corporate customers are deposits in the amount of RR 3 883 mln under sale and repurchase agreements which are collateralised with securities of clients. Fair value of such securities totalled RR 5 142 mln.

As at 31 December 2011 included in Due to corporate customers are deposits of RR 95 001 mln (2010: RR 78 749 mln) held as collateral for irrevocable commitments under import letters of credit. Refer to Note 32.

As at 31 December 2011 the Group's 20 largest customers with balances above RR 11 500 mln (2010: 20 customers with balances above RR 7 450 mln). The aggregate balance of these customers was RR 621 086 mln (2010: RR 561 760 mln) or 7.8% (2010: 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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