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

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	KUZNECKBIZNESBANK	add to comparison
Central Bank of Russia registration number: 1158 retail funding, complies with 214-FZ (equity construction)

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.


Turnover by thous. rub.					Period change
ASSETS	30 547 981	36 273 287	44 479 151	35 325 145	4 777 164	15,6%
High liquid assets	21 250 480	26 760 784	29 954 572	25 909 029	4 658 549	21,9%
Cash and equivalents	11 101 931	12 823 085	14 728 370	10 332 368	-769 563	-6,9%
Cash	3 263 490	3 463 791	3 910 527	2 977 305	-286 185	-8,8%
in cash and en route	2 879 049	3 105 315	3 451 245	2 668 482	-210 567	-7,3%
in ATMs	384 441	358 476	459 282	308 823	-75 618	-19,7%
Nostro account with Central Bank	7 838 441	9 359 294	10 817 843	7 355 063	-483 378	-6,2%
Nostro accounts	3 095 186	4 464 527	4 309 352	4 229 376	1 134 190	36,6%
Non-residents	97 922	37 461	122 254	102 608	4 686	4,8%
Residents	2 997 264	4 427 066	4 187 098	4 126 768	1 129 504	37,7%
Money in transfer	7 053 363	9 473 172	10 916 850	11 347 285	4 293 922	60,9%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	6 761 210	7 389 506	10 557 637	7 551 147	789 937	11,7%
Dues from banks	6 361 102	7 070 361	10 019 970	7 339 403	978 301	15,4%
Central Bank of Russia	2 590 240	2 510 190	3 940 600	2 095 620	-494 620	-19,1%
Residents	3 770 862	4 560 171	6 079 370	5 243 783	1 472 921	39,1%
up to 30 days	3 770 862	4 560 171	6 079 370	5 243 783	1 472 921	39,1%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	31 842	56 767	53 283	42 776	10 934	34,3%
Bonds	24 824	44 265	45 508	36 299	11 475	46,2%
Federal Loan Bonds (OFZs), OBRs	4 456	5 571	3 927	5 345	889	20,0%
Corporate bonds	6 953	6 850	6 954	6 952	-1	-0,0%
Financial institutions bonds	1 205	1 167	1 206	1 206	1	0,1%
Corporate foreign bonds	1 834	3 188	2 006	3 556	1 722	93,9%
Valuation allowance	10 028	27 007	31 025	15 963	5 935	59,2%
Pledged under REPO	-	120	-	-	-	-
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	348	362	390	3 277	2 929	841,7%
Stocks	7 018	12 502	7 775	6 477	-541	-7,7%
Residents	-	3 969	-	-	-	-
Valuation allowance	7 018	8 135	7 775	6 477	-541	-7,7%
Provision for impairment of stocks	-	398	-	-	-	-
Loans to corporate clients	247 690	155 005	202 286	90 124	-157 566	-63,6%
residents	223 751	89 016	178 238	71 388	-152 363	-68,1%
up to 30 days	37 051	41 574	46 834	24 695	-12 356	-33,3%
up to 180 days	10 950	52	20 891	1 504	-9 446	-86,3%
up to 1 year	41 867	28 167	67 735	15 789	-26 078	-62,3%
up to 3 years	116 602	8 373	42 023	28 883	-87 719	-75,2%
more than 3 years	17 281	10 850	755	517	-16 764	-97,0%
Past-due	3 433	7 649	1 051	497	-2 936	-85,5%
residents	3 432	7 649	1 049	497	-2 935	-85,5%
state-owned enterprises	1	-	2	-	-1	-100,0%
Provision for impairment of corporate loans	20 506	58 340	22 997	18 239	-2 267	-11,1%
residents	20 506	58 340	22 997	18 239	-2 267	-11,1%
state-owned enterprises	-	-	-	-	-	-
Loans to private entrepreneurs	10 799	23 016	15 194	16 004	5 205	48,2%
up to 30 days	6 984	6 899	7 979	7 907	923	13,2%
up to 180 days	1 220	-	-	-	-1 220	-100,0%
up to 1 year	125	378	1 005	960	835	668,0%
up to 3 years	127	10 821	132	2 958	2 831	2 229,1%
more than 3 years	-	1 039	3 315	1 817	1 817	-
Past-due	199	205	218	118	-81	-40,7%
Provision for impairment of loans to private entrepreneurs	2 144	3 674	2 545	2 244	100	4,7%
Loans to individuals	109 777	84 357	266 904	62 840	-46 937	-42,8%
Standard	72 163	53 751	243 208	44 004	-28 159	-39,0%
up to 30 days	6 044	6 421	7 578	5 508	-536	-8,9%
up to 180 days	-	80	60	-	-	-
up to 1 year	650	890	800	845	195	30,0%
up to 3 years	12 280	8 830	169 765	5 670	-6 610	-53,8%
more than 3 years	53 189	37 530	65 005	31 981	-21 208	-39,9%
Past-due	4 124	4 887	3 317	3 203	-921	-22,3%
Past-due	4 124	4 887	3 317	3 203	-921	-22,3%
Provision for impairment of loans to individuals	33 490	25 719	20 379	15 633	-17 857	-53,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	2 536 291	2 122 997	3 966 942	1 864 969	-671 322	-26,5%
Mandatory reserves with Central Bank	1 104	106	964	-	-1 104	-100,0%
Premises and equipment	26 131	94 226	11 353	6 246	-19 885	-76,1%
Purchase cost	22 464	93 268	9 813	6 157	-16 307	-72,6%
Depreciation	3 667	958	1 540	89	-3 578	-97,6%
Accrued interest not yet received	17 618	17 460	19 171	20 278	2 660	15,1%
Other assets	2 462 392	1 991 609	3 912 736	1 822 676	-639 716	-26,0%
Provision for impairment of other assets	29 046	19 596	22 718	15 769	-13 277	-45,7%
LIABILITIES	11 117 713	13 571 163	14 767 023	11 476 874	359 161	3,2%
Dues to banks	213 780	242 112	451 039	233 050	19 270	9,0%
Term	-	100	-	-	-	-
Residents	-	100	-	-	-	-
up to 30 days	-	100	-	-	-	-
Other dues to banks	213 780	242 012	451 039	233 050	19 270	9,0%
On demand	6 539 080	7 562 022	8 243 246	4 976 641	-1 562 439	-23,9%
Corporate clients	6 000 928	7 037 594	7 394 277	4 494 687	-1 506 241	-25,1%
Residents	5 995 191	7 031 542	7 389 403	4 491 291	-1 503 900	-25,1%
Non-residents	5 737	6 052	4 874	3 396	-2 341	-40,8%
Individuals	533 657	523 411	843 965	481 073	-52 584	-9,9%
Residents	533 015	522 905	843 068	480 102	-52 913	-9,9%
Non-residents	642	506	897	971	329	51,2%
Brokerage accounts	4 495	1 017	5 004	881	-3 614	-80,4%
Residents	4 495	1 017	5 004	881	-3 614	-80,4%
Term	236 966	254 376	195 851	215 371	-21 595	-9,1%
Corporate clients	15 300	50	2 000	17 607	2 307	15,1%
Residents	15 300	50	2 000	17 607	2 307	15,1%
up to 30 days	-	-	-	3 807	3 807	-
up to 180 days	7 300	-	1 000	13 800	6 500	89,0%
up to 1 year	8 000	-	1 000	-	-8 000	-100,0%
more than 3 years	-	50	-	-	-	-
Individuals	221 666	254 326	193 851	197 764	-23 902	-10,8%
residents	221 666	254 326	193 851	197 764	-23 902	-10,8%
up to 180 days	94 257	124 312	138 983	79 174	-15 083	-16,0%
up to 1 year	16 198	9 944	27 913	118 131	101 933	629,3%
up to 3 years	110 916	119 846	26 955	430	-110 486	-99,6%
more than 3 years	295	224	-	29	-266	-90,2%
Other liabilities	4 127 887	5 512 653	5 876 887	6 051 812	1 923 925	46,6%
Other liabilities	4 122 029	5 503 092	5 868 567	6 041 068	1 919 039	46,6%
Accrued interest not yet paid	5 858	6 953	8 320	10 744	4 886	83,4%
Deferred tax liabilities	-	2 608	-	-	-	-
EQUITY	187 267	228 345	183 087	4 038 937	3 851 670	2 056,8%
Capital	34 520	41 778	33 166	45 521	11 001	31,9%
Profit from previous years	-	254	-	1 883 088	1 883 088	-
Retained earnings from previous years	-	254	-	1 883 088	1 883 088	-
Current year profit	152 747	186 313	149 921	2 110 328	1 957 581	1 281,6%
Current year retained earnings	152 747	186 313	149 921	2 110 328	1 957 581	1 281,6%
OFF-BALANCE SHEET	464 191	346 549	534 987	358 189	-106 002	-22,8%
Contingent liabilities	254 031	133 039	265 142	160 800	-93 231	-36,7%
Guarantees issued	940	4 153	10 351	375	-565	-60,1%
Unused credit limits opened	253 091	128 886	254 791	160 425	-92 666	-36,6%
Collateral on loans	91 773	171 168	174 299	172 110	80 337	87,5%
goods	91 773	171 168	174 299	172 110	80 337	87,5%
Unprocessed payments	118 355	42 342	95 546	25 243	-93 112	-78,7%
Due to lack of funds on client accounts	118 355	42 342	95 546	25 243	-93 112	-78,7%
Other off-balance sheet accounts	32	-	-	36	4	12,5%
Written-off interest	-	-	-	-	-	-
Written-off loans	32	-	-	36	4	12,5%
Credit card balances	6 044	6 421	7 578	5 508	-536	-8,9%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-