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

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	URALFINANS	add to comparison
Central Bank of Russia registration number: 1370

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	11 727 651	11 491 559	14 338 545	7 750 396	-3 977 255	-33,9%
High liquid assets	5 784 922	5 929 633	6 901 413	3 595 573	-2 189 349	-37,8%
Cash and equivalents	4 921 116	4 492 422	4 741 075	2 876 256	-2 044 860	-41,6%
Cash	270 798	207 476	445 590	251 545	-19 253	-7,1%
in cash and en route	262 450	205 023	429 905	246 005	-16 445	-6,3%
in ATMs	8 348	2 453	15 685	5 540	-2 808	-33,6%
Nostro account with Central Bank	4 650 318	4 284 946	4 295 485	2 624 711	-2 025 607	-43,6%
Nostro accounts	516 935	533 439	581 988	539 785	22 850	4,4%
Residents	516 935	533 439	581 988	539 785	22 850	4,4%
Money in transfer	346 862	903 764	1 578 349	179 486	-167 376	-48,3%
Provision for impairment of high-liquid assets	9	8	1	46	37	411,1%
Interest-earning assets	3 878 540	4 059 486	4 005 963	1 937 756	-1 940 784	-50,0%
Dues from banks	3 390 009	2 960 000	2 559 676	1 859 000	-1 531 009	-45,2%
Central Bank of Russia	3 390 000	2 960 000	2 542 000	1 859 000	-1 531 000	-45,2%
Non-residents	9	-	17 676	-	-9	-100,0%
more than 180 days	9	-	17 676	-	-9	-100,0%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	479 560	1 057 526	1 392 737	42 155	-437 405	-91,2%
Bonds	479 063	1 042 434	1 379 260	24 879	-454 184	-94,8%
Federal Loan Bonds (OFZs), OBRs	414 720	558 982	711 557	5 645	-409 075	-98,6%
Corporate bonds	46 595	32 895	7 470	12 684	-33 911	-72,8%
Financial institutions bonds	141	137	141	141	-	0,0%
Valuation allowance	17 607	3 936	10 526	6 367	-11 240	-63,8%
Pledged under REPO	-	446 484	649 558	-	-	-
Provision for impairment of bonds	-	-	8	42	42	-
Stocks	497	15 092	13 477	17 276	16 779	3 376,1%
Residents	-	11 976	11 494	13 987	13 987	-
Non-residents	-	-	-	-	-	-
Valuation allowance	497	1 128	1 983	3 289	2 792	561,8%
Pledged under REPO	-	1 988	-	-	-	-
Loans to corporate clients	5 322	39 023	46 563	33 836	28 514	535,8%
residents	2 978	32 100	12 900	33 000	30 022	1 008,1%
up to 1 year	-	32 100	12 900	-	-	-
up to 3 years	150	-	-	33 000	32 850	21 900,0%
more than 3 years	2 828	-	-	-	-2 828	-100,0%
state-owned enterprises	-	-	20 000	-	-	-
up to 180 days	-	-	20 000	-	-	-
Past-due	12	78	72	15	3	25,0%
residents	12	78	72	15	3	25,0%
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	2 332	6 845	13 591	821	-1 511	-64,8%
residents	2 331	6 844	4 588	821	-1 510	-64,8%
state-owned enterprises	1	1	9 003	-	-1	-100,0%
Loans to private entrepreneurs	17	11	31	21	4	23,5%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	16	11	29	21	5	31,3%
Provision for impairment of loans to private entrepreneurs	1	-	2	-	-1	-100,0%
Loans to individuals	3 632	2 926	6 956	2 744	-888	-24,4%
Standard	2 303	1 826	4 130	1 821	-482	-20,9%
up to 30 days	1 617	1 526	1 730	1 821	204	12,6%
up to 1 year	-	300	-	-	-	-
up to 3 years	536	-	100	-	-536	-100,0%
more than 3 years	150	-	2 300	-	-150	-100,0%
Past-due	377	516	376	440	63	16,7%
Past-due	377	516	376	440	63	16,7%
Provision for impairment of loans to individuals	952	584	2 450	483	-469	-49,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	2 064 189	1 502 440	3 431 169	2 217 067	152 878	7,4%
Mandatory reserves with Central Bank	-	-	-	72	72	-
Premises and equipment	5 264	206	2 321	6 015	751	14,3%
Purchase cost	5 264	206	1 110	6 015	751	14,3%
Depreciation	-	-	1 211	-	-	-
Accrued interest not yet received	3 253	3 081	2 830	3 721	468	14,4%
Other assets	2 052 732	1 482 279	3 422 873	2 199 241	146 509	7,1%
Provision for impairment of other assets	2 940	16 504	3 145	8 018	5 078	172,7%
Deferred tax asset	-	370	-	-	-	-
LIABILITIES	3 528 255	3 492 821	5 164 184	3 400 736	-127 519	-3,6%
Dues to banks	283 909	192 579	237 031	191 957	-91 952	-32,4%
Other dues to banks	283 909	192 579	237 031	191 957	-91 952	-32,4%
On demand	1 699 353	1 494 673	1 922 856	1 231 304	-468 049	-27,5%
Corporate clients	1 543 519	1 368 918	1 742 282	1 128 145	-415 374	-26,9%
State-owned enterprises	206 890	114 629	133 259	66 960	-139 930	-67,6%
Residents	1 336 629	1 254 289	1 609 023	1 061 185	-275 444	-20,6%
Individuals	155 831	125 755	180 574	103 159	-52 672	-33,8%
Residents	155 831	125 755	180 574	103 155	-52 676	-33,8%
Non-residents	-	-	-	4	4	-
Brokerage accounts	3	-	-	-	-3	-100,0%
Residents	3	-	-	-	-3	-100,0%
Term	155 171	623 145	955 654	203 234	48 063	31,0%
Corporate clients	-	393 767	580 324	1 900	1 900	-
Residents	-	393 767	580 324	1 900	1 900	-
up to 30 days	-	393 767	580 324	500	500	-
up to 1 year	-	-	-	1 400	1 400	-
more than 3 years	-	-	-	-	-	-
Individuals	155 171	229 378	375 330	201 334	46 163	29,7%
residents	155 171	229 378	375 330	201 334	46 163	29,7%
up to 180 days	234	844	136	122	-112	-47,9%
up to 1 year	175	207	126	103	-72	-41,1%
up to 3 years	136 418	182 670	343 113	190 180	53 762	39,4%
more than 3 years	18 344	45 657	31 955	10 929	-7 415	-40,4%
non-residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Other liabilities	1 389 822	1 182 424	2 048 643	1 774 241	384 419	27,7%
Other liabilities	1 387 412	1 179 277	2 044 322	1 772 286	384 874	27,7%
Accrued interest not yet paid	2 410	2 547	4 321	1 955	-455	-18,9%
Deferred tax liabilities	-	600	-	-	-	-
EQUITY	77 839	104 460	78 938	1 943 023	1 865 184	2 396,2%
Capital	9 913	10 799	1 963	13 835	3 922	39,6%
Profit from previous years	-	-	-	941 665	941 665	-
Retained earnings from previous years	-	-	-	941 665	941 665	-
Current year profit	67 926	93 661	76 975	987 523	919 597	1 353,8%
Current year retained earnings	67 926	93 661	76 975	987 523	919 597	1 353,8%
OFF-BALANCE SHEET	74 022	35 690	79 451	35 384	-38 638	-52,2%
Contingent liabilities	48 772	33 842	50 366	34 927	-13 845	-28,4%
Unused credit limits opened	48 772	33 842	50 366	34 927	-13 845	-28,4%
Collateral on loans	24 125	-	24 685	-	-24 125	-100,0%
goods	24 125	-	24 685	-	-24 125	-100,0%
Unprocessed payments	1 125	1 848	4 400	457	-668	-59,4%
Due to lack of funds on client accounts	1 125	1 848	4 400	457	-668	-59,4%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	1 617	1 526	1 730	1 821	204	12,6%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-