Kuap. Ru - Balance sheet with turnover of КАЛУГА, analysis of turnover of bank's accounts

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	KALUGA	add to comparison
Central Bank of Russia registration number: 1151

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.


Balance sheet position, thous. rub.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 553 279	7 277 498	1 576 369	4,7	4,6	23 090	1,5%
High liquid assets	83 047	4 301 889	65 583	51,8	2,7	-17 464	-21,0%
Cash and equivalents	79 920	4 256 505	62 146	53,3	2,7	-17 774	-22,2%
Cash	56 823	425 142	53 520	7,5	0,3	-3 303	-5,8%
in cash and en route	56 823	425 142	53 520	7,5	0,3	-3 303	-5,8%
Nostro account with Central Bank	23 097	3 831 363	8 626	165,9	2,4	-14 471	-62,7%
Nostro accounts	3 127	43 091	3 437	13,8	0,0	310	9,9%
Residents	3 127	43 091	3 437	13,8	0,0	310	9,9%
Money in transfer	-	2 438	-	-	-	-	-
Provision for impairment of high-liquid assets	-	165	-	-	-	-	-
Interest-earning assets	1 363 482	2 982 915	1 404 933	2,2	1,9	41 451	3,0%
Dues from banks	435 800	2 940 100	482 790	6,7	1,9	46 990	10,8%
Central Bank of Russia	435 800	1 718 100	382 800	3,9	1,1	-53 000	-12,2%
Residents	-	1 275 000	100 000	-	-	100 000	-
up to 30 days	-	1 275 000	100 000	-	-	100 000	-
Loans past-due	40 156	-	40 156	0,0	0,0	-	0,0%
residents	40 156	-	40 156	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-40 156	10	-40 166	0,0	0,0	-10	0,0%
Loans to corporate clients	265 736	35 012	266 475	0,1	0,0	739	0,3%
residents	287 028	32 646	287 261	0,1	0,0	233	0,1%
up to 30 days	1 398	1 753	3 151	1,3	0,0	1 753	125,4%
up to 180 days	-	29 610	29 610	-	-	29 610	-
up to 1 year	53 743	27 280	26 463	0,5	0,0	-27 280	-50,8%
up to 3 years	92 208	2 713	90 278	0,0	0,0	-1 930	-2,1%
more than 3 years	139 679	2 420	137 759	0,0	0,0	-1 920	-1,4%
Past-due	4 632	95	4 725	0,0	0,0	93	2,0%
residents	4 632	95	4 725	0,0	0,0	93	2,0%
Provision for impairment of corporate loans	-25 924	2 271	-25 511	0,1	0,0	413	-1,6%
residents	-25 924	2 271	-25 511	0,1	0,0	413	-1,6%
Loans to private entrepreneurs	479 265	9 850	476 682	0,0	0,0	-2 583	-0,5%
up to 30 days	7 586	524	8 096	0,1	0,0	510	6,7%
up to 3 years	43 697	1 527	44 214	0,0	0,0	517	1,2%
more than 3 years	437 382	8 303	433 415	0,0	0,0	-3 967	-0,9%
Past-due	3	-	3	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-9 403	880	-9 046	0,1	0,0	357	-3,8%
Loans to individuals	182 681	4 303	178 986	0,0	0,0	-3 695	-2,0%
Standard	189 490	3 826	185 664	0,0	0,0	-3 826	-2,0%
up to 1 year	1 000	307	693	0,3	0,0	-307	-30,7%
up to 3 years	4 283	247	4 036	0,1	0,0	-247	-5,8%
more than 3 years	184 207	3 272	180 935	0,0	0,0	-3 272	-1,8%
Past-due	2 487	60	2 427	0,0	0,0	-60	-2,4%
Past-due	2 487	60	2 427	0,0	0,0	-60	-2,4%
Provision for impairment of loans to individuals	-9 296	536	-9 105	0,1	0,0	191	-2,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	106 750	11 055	105 853	0,1	0,0	-897	-0,8%
Mandatory reserves with Central Bank	1 803	93	1 896	0,1	0,0	93	5,2%
Premises and equipment	61 125	431	61 065	0,0	0,0	-60	-0,1%
Purchase cost	93 401	340	93 609	0,0	0,0	208	0,2%
Depreciation	-32 276	299	-32 544	0,0	0,0	-268	0,8%
Accrued interest not yet received	2 172	1 212	2 384	0,6	0,0	212	9,8%
Other assets	43 361	8 372	42 082	0,2	0,0	-1 279	-2,9%
Provision for impairment of other assets	-1 711	1 389	-1 574	0,8	0,0	137	-8,0%
LIABILITIES	1 248 478	1 722 755	1 271 855	1,4	1,1	23 377	1,9%
On demand	337 771	1 366 396	400 444	4,0	0,9	62 673	18,6%
Corporate clients	320 668	1 345 950	378 115	4,2	0,9	57 447	17,9%
Residents	320 668	1 344 632	378 115	4,2	0,9	57 447	17,9%
Non-residents	-	1 318	-	-	-	-	-
Individuals	17 103	20 446	22 329	1,2	0,0	5 226	30,6%
Residents	17 092	20 446	22 318	1,2	0,0	5 226	30,6%
Non-residents	11	-	11	0,0	0,0	-	0,0%
Term	902 990	361 436	857 979	0,4	0,2	-45 011	-5,0%
Corporate clients	199 450	65 520	171 595	0,3	0,0	-27 855	-14,0%
Residents	199 450	65 520	171 595	0,3	0,0	-27 855	-14,0%
up to 30 days	56 000	59 000	27 665	1,1	0,0	-28 335	-50,6%
up to 180 days	25 450	7 000	25 930	0,3	0,0	480	1,9%
more than 3 years	118 000	-	118 000	0,0	0,0	-	0,0%
Individuals	703 540	295 916	686 384	0,4	0,2	-17 156	-2,4%
residents	703 540	295 916	686 384	0,4	0,2	-17 156	-2,4%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	3	6	1	2,0	0,0	-2	-66,7%
up to 1 year	9 976	10 044	14 641	1,0	0,0	4 665	46,8%
up to 3 years	628 396	265 208	622 659	0,4	0,2	-5 737	-0,9%
more than 3 years	65 165	25 323	49 083	0,4	0,0	-16 082	-24,7%
Other liabilities	7 717	39 934	13 432	5,2	0,0	5 715	74,1%
Other liabilities	4 569	36 410	10 721	8,0	0,0	6 152	134,6%
Accrued interest not yet paid	2 975	3 961	2 538	1,3	0,0	-437	-14,7%
Liabilities past-due	62	-	62	0,0	0,0	-	0,0%
Deferred tax liabilities	111	-	111	0,0	0,0	-	0,0%
EQUITY	304 801	573 372	304 514	1,9	0,4	-287	-0,1%
Capital	203 429	234	203 538	0,0	0,0	109	0,1%
Profit from previous years	61 462	298 240	97 467	4,9	0,2	36 005	58,6%
Retained earnings from previous years	61 462	298 240	97 467	4,9	0,2	36 005	58,6%
Current year profit	39 910	311 012	3 509	7,8	0,2	-36 401	-91,2%
Current year retained earnings	39 910	311 012	3 509	7,8	0,2	-36 401	-91,2%
OFF-BALANCE SHEET	1 763 627	53 040	1 795 813	0,0	0,0	32 186	1,8%
Contingent liabilities	-38 992	39 034	-28 452	1,0	0,0	10 540	-27,0%
Unused credit limits opened	-38 992	39 034	-28 452	1,0	0,0	10 540	-27,0%
Collateral on loans	1 682 881	24 342	1 704 378	0,0	0,0	21 497	1,3%
goods	1 682 881	24 342	1 704 378	0,0	0,0	21 497	1,3%
Unprocessed payments	120 718	353	120 867	0,0	0,0	149	0,1%
Due to lack of funds on client accounts	120 718	353	120 867	0,0	0,0	149	0,1%
Other off-balance sheet accounts	-980	-	-980	0,0	0,0	-	0,0%
Written-off interest	-414	-	-414	0,0	0,0	-	0,0%
Written-off loans	-566	-	-566	0,0	0,0	-	0,0%
Past due ratio, total	73	-	74	0,0	0,0	1	1,4%
Past due ratio, individuals	130	-	129	0,0	0,0	-1	-0,8%
Past due ratio, corporates	159	-	162	0,0	0,0	3	1,9%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	59	-	61	0,0	0,0	2	3,4%
Risk-weighted assets	1 256 382	-	1 267 981	0,0	0,0	11 599	0,9%