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with vclad_rub as ( select NUMV, CASE WHEN SUBSTRING(NUMV, 6, 3) = 840 THEN BALV * 100 ELSE BALV END AS BALV from VCLAD ), cred_rub as ( select NUMCRED, CASE WHEN SUBSTRING(NUMCRED, 6, 3) = 840 THEN BALCRED * 100 ELSE BALCRED END AS BALCRED from CRED ) SELECT NM as Имя клиента , vclad_rub.BALV + BALCARD - BALCRED as Средства клиента, Рубли AS Валюта средств клиента , FROM CL LEFT JOIN vclad_rub vc on vc.NUMV = CL.NUMV LEFT JOIN cred_rub cr on cr.NUMCRED = CL.NUMCRED LEFT JOIN CARD c on c.NUMCARD = CL.NUMCARD ORDER BY 1