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

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	ZAUBER BANK	add to comparison
Central Bank of Russia registration number: 1614

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	151 489 040	134 740 432	175 033 658	193 580 707	42 091 667	27,8%
High liquid assets	63 167 368	45 028 351	60 760 122	73 924 423	10 757 055	17,0%
Cash and equivalents	55 724 519	38 582 328	52 712 666	64 491 705	8 767 186	15,7%
Cash	48 394 987	32 629 185	45 980 735	55 687 560	7 292 573	15,1%
in cash and en route	48 389 287	32 616 185	45 965 035	55 671 860	7 282 573	15,0%
in ATMs	5 700	13 000	15 700	15 700	10 000	175,4%
Nostro account with Central Bank	7 329 532	5 953 143	6 731 931	8 804 145	1 474 613	20,1%
Nostro accounts	2 996 204	2 801 149	3 350 755	4 117 615	1 121 411	37,4%
Residents	2 996 204	2 801 149	3 350 755	4 117 615	1 121 411	37,4%
Money in transfer	4 446 619	3 644 862	4 696 677	5 315 088	868 469	19,5%
Provision for impairment of high-liquid assets	26	12	24	15	-11	-42,3%
Interest-earning assets	88 327	554 462	114 658	81 603	-6 724	-7,6%
Dues from banks	90	460 000	-	-	-90	-100,0%
Residents	90	-	-	-	-90	-100,0%
up to 30 days	90	-	-	-	-90	-100,0%
Loans to corporate clients	875	1 157	3 808	2 692	1 817	207,7%
residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
state-owned enterprises	-	-	2 145	1 440	1 440	-
up to 30 days	-	-	2 145	1 440	1 440	-
Past-due	295	256	277	393	98	33,2%
residents	295	253	277	380	85	28,8%
non-residents	-	3	-	13	13	-
Provision for impairment of corporate loans	580	901	1 386	859	279	48,1%
residents	578	898	1 382	857	279	48,3%
non-residents	2	3	4	2	-	0,0%
Loans to private entrepreneurs	67	86	118	217	150	223,9%
up to 3 years	-	-	-	-	-	-
Past-due	30	28	27	30	-	0,0%
Provision for impairment of loans to private entrepreneurs	37	58	91	187	150	405,4%
Loans to individuals	87 295	93 219	110 732	78 694	-8 601	-9,9%
Standard	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	17 119	15 827	20 148	16 449	-670	-3,9%
Past-due	17 119	15 827	20 148	16 449	-670	-3,9%
Provision for impairment of loans to individuals	70 176	77 392	90 584	62 245	-7 931	-11,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	88 233 345	89 157 619	114 158 878	119 574 681	31 341 336	35,5%
Mandatory reserves with Central Bank	2 428	-	-	-	-2 428	-100,0%
Premises and equipment	18 154	86 595	66 425	31 699	13 545	74,6%
Purchase cost	18 154	86 294	66 421	31 699	13 545	74,6%
Depreciation	-	301	4	-	-	-
Accrued interest not yet received	13 178	11 181	11 747	10 780	-2 398	-18,2%
Other assets	88 134 353	89 057 397	114 078 185	119 528 994	31 394 641	35,6%
Provision for impairment of other assets	65 232	2 446	2 521	3 208	-62 024	-95,1%
LIABILITIES	85 909 962	86 959 204	110 703 419	115 567 075	29 657 113	34,5%
On demand	2 368 254	3 479 382	3 615 907	3 996 993	1 628 739	68,8%
Corporate clients	1 821 994	2 894 541	3 113 028	3 575 254	1 753 260	96,2%
State-owned enterprises	-	-	-	-	-	-
Residents	1 617 165	2 782 147	2 841 102	3 121 699	1 504 534	93,0%
Non-residents	204 829	112 394	271 926	453 555	248 726	121,4%
Individuals	546 260	584 841	502 879	421 739	-124 521	-22,8%
Residents	546 217	584 783	502 758	411 608	-134 609	-24,6%
Non-residents	43	58	121	10 131	10 088	23 460,5%
Term	1 813 577	537 338	410 221	526 343	-1 287 234	-71,0%
Corporate clients	1 537 708	340 796	329 640	455 400	-1 082 308	-70,4%
Residents	1 537 473	331 651	329 640	455 400	-1 082 073	-70,4%
up to 30 days	210 523	221 880	295 140	383 400	172 877	82,1%
up to 180 days	1 069 450	78 571	13 000	12 000	-1 057 450	-98,9%
up to 1 year	213 200	31 000	21 500	60 000	-153 200	-71,9%
up to 3 years	44 300	200	-	-	-44 300	-100,0%
Non-residents	235	9 145	-	-	-235	-100,0%
up to 3 years	235	9 145	-	-	-235	-100,0%
more than 3 years	-	-	-	-	-	-
Individuals	275 869	196 542	80 581	70 943	-204 926	-74,3%
residents	275 848	196 505	80 538	70 887	-204 961	-74,3%
up to 1 year	269 311	190 899	65 884	63 473	-205 838	-76,4%
up to 3 years	6 530	3 714	11 939	4 844	-1 686	-25,8%
more than 3 years	7	1 892	2 715	2 570	2 563	36 614,3%
non-residents	21	37	43	56	35	166,7%
more than 3 years	21	37	43	56	35	166,7%
Other liabilities	81 728 131	82 942 484	106 677 291	111 043 739	29 315 608	35,9%
Other liabilities	81 711 626	82 930 786	106 655 112	111 031 931	29 320 305	35,9%
Accrued interest not yet paid	16 505	11 698	10 388	11 808	-4 697	-28,5%
Liabilities past-due	-	-	11 791	-	-	-
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	21 070 377	594 602	21 197 498	919 823	-20 150 554	-95,6%
Capital	-	45 506	4 407	-	-	-
Profit from previous years	10 205 943	7 569	20 523 773	268	-10 205 675	-100,0%
Retained earnings from previous years	10 205 943	7 569	20 523 773	268	-10 205 675	-100,0%
Current year profit	10 864 434	541 527	669 318	919 555	-9 944 879	-91,5%
Current year retained earnings	10 864 434	541 527	669 318	919 555	-9 944 879	-91,5%
OFF-BALANCE SHEET	102 653	74 430	160 940	204 951	102 298	99,7%
Collateral on loans	23 194	16 322	32 755	20 234	-2 960	-12,8%
goods	23 194	16 322	32 755	20 234	-2 960	-12,8%
Unprocessed payments	78 983	58 108	124 584	184 215	105 232	133,2%
Due to lack of funds on client accounts	78 983	58 108	124 584	184 215	105 232	133,2%
Other off-balance sheet accounts	476	-	3 601	502	26	5,5%
Written-off interest	26	-	86	1	-25	-96,2%
Written-off loans	450	-	3 515	501	51	11,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-