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

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	HANZAKOMBANK	add to comparison
Central Bank of Russia registration number: 1734

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.	01.03.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 173 978	17 467 740	1 223 780	14,9	14,3	49 802	4,2%
High liquid assets	223 682	10 562 500	265 502	47,2	8,6	41 820	18,7%
Cash and equivalents	60 367	4 037 877	87 892	66,9	3,3	27 525	45,6%
Cash	33 167	99 440	22 923	3,0	0,1	-10 244	-30,9%
in cash and en route	33 167	99 440	22 923	3,0	0,1	-10 244	-30,9%
Nostro account with Central Bank	27 200	3 948 681	64 969	145,2	3,2	37 769	138,9%
Nostro accounts	144 570	261 929	158 540	1,8	0,2	13 970	9,7%
Non-residents	2	2 023	2	1 011,5	0,0	-	0,0%
Residents	144 568	259 906	158 538	1,8	0,2	13 970	9,7%
Money in transfer	366	519 571	19 072	1 419,6	0,4	18 706	5 110,9%
Exchange accounts	18 381	5 761 503	-	313,4	4,7	-18 381	-100,0%
Provision for impairment of high-liquid assets	-2	1	-2	0,5	0,0	-	0,0%
Interest-earning assets	876 671	1 472 967	889 647	1,7	1,2	12 976	1,5%
Dues from banks	50 000	1 210 000	50 000	24,2	1,0	-	0,0%
Residents	50 000	1 210 000	50 000	24,2	1,0	-	0,0%
up to 30 days	50 000	1 210 000	50 000	24,2	1,0	-	0,0%
Loans past-due	30 000	-	30 000	0,0	0,0	-	0,0%
residents	30 000	-	30 000	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-30 000	-	-30 000	0,0	0,0	-	0,0%
Securities	559 121	250 711	584 833	0,4	0,2	25 712	4,6%
Bonds	39 301	314	39 615	0,0	0,0	314	0,8%
Federal Loan Bonds (OFZs), OBRs	28 604	224	28 828	0,0	0,0	224	0,8%
Corporate bonds	10 697	90	10 787	0,0	0,0	90	0,8%
Promissory notes	519 820	250 397	545 218	0,5	0,2	25 398	4,9%
Banks	519 820	250 397	545 218	0,5	0,2	25 398	4,9%
Loans to corporate clients	82 365	8 079	88 413	0,1	0,0	6 048	7,3%
residents	86 237	8 000	92 606	0,1	0,0	6 369	7,4%
up to 1 year	84 753	8 000	91 122	0,1	0,0	6 369	7,5%
up to 3 years	1 484	-	1 484	0,0	0,0	-	0,0%
Past-due	800	-	800	0,0	0,0	-	0,0%
residents	800	-	800	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-4 672	400	-4 993	0,1	0,0	-321	6,9%
residents	-4 672	400	-4 993	0,1	0,0	-321	6,9%
Loans to individuals	185 185	22 961	166 401	0,1	0,0	-18 784	-10,1%
Standard	204 209	22 847	183 634	0,1	0,0	-20 575	-10,1%
up to 3 years	8 572	936	7 636	0,1	0,0	-936	-10,9%
more than 3 years	195 637	21 911	175 998	0,1	0,0	-19 639	-10,0%
Past-due	657	-	657	0,0	0,0	-	0,0%
Past-due	657	-	657	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-19 681	1 905	-17 890	0,1	0,0	1 791	-9,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	73 625	5 437 267	68 631	73,9	4,4	-4 994	-6,8%
Mandatory reserves with Central Bank	33 673	5 019	29 968	0,1	0,0	-3 705	-11,0%
Premises and equipment	3 000	192 498	3 090	64,2	0,2	90	3,0%
Purchase cost	12 511	192 498	12 698	15,4	0,2	187	1,5%
Depreciation	-9 511	97	-9 608	0,0	0,0	-97	1,0%
Accrued interest not yet received	150	1 676	5	11,2	0,0	-145	-96,7%
Other assets	37 151	5 238 163	35 911	141,0	4,3	-1 240	-3,3%
Provision for impairment of other assets	-754	7	-748	0,0	0,0	6	-0,8%
Deferred tax asset	405	-	405	0,0	0,0	-	0,0%
LIABILITIES	854 945	10 526 503	900 188	12,3	8,6	45 243	5,3%
Dues to banks	88 786	2 489 650	195 730	28,0	2,0	106 944	120,5%
Other dues to banks	88 786	2 489 650	195 730	28,0	2,0	106 944	120,5%
On demand	344 085	2 860 819	258 909	8,3	2,3	-85 176	-24,8%
Corporate clients	341 406	2 858 720	258 268	8,4	2,3	-83 138	-24,4%
Residents	335 213	2 857 533	250 809	8,5	2,3	-84 404	-25,2%
Non-residents	6 193	2 453	7 459	0,4	0,0	1 266	20,4%
Individuals	2 656	2 099	618	0,8	0,0	-2 038	-76,7%
Residents	2 633	2 095	596	0,8	0,0	-2 037	-77,4%
Non-residents	23	4	22	0,2	0,0	-1	-4,3%
Brokerage accounts	23	-	23	0,0	0,0	-	0,0%
Residents	23	-	23	0,0	0,0	-	0,0%
Term	385 326	6 027	391 344	0,0	0,0	6 018	1,6%
Corporate clients	385 314	6 000	391 314	0,0	0,0	6 000	1,6%
Residents	385 314	6 000	391 314	0,0	0,0	6 000	1,6%
up to 1 year	3	-	3	0,0	0,0	-	0,0%
up to 3 years	295 311	6 000	301 311	0,0	0,0	6 000	2,0%
more than 3 years	90 000	-	90 000	0,0	0,0	-	0,0%
Individuals	12	27	30	2,3	0,0	18	150,0%
residents	12	27	30	2,3	0,0	18	150,0%
up to 30 days	6	6	-	1,0	0,0	-6	-100,0%
up to 180 days	3	18	18	6,0	0,0	15	500,0%
up to 1 year	3	6	9	2,0	0,0	6	200,0%
up to 3 years	-	3	3	-	-	3	-
Securities issued	29 820	17 000	46 820	0,6	0,0	17 000	57,0%
Promissory notes	5 820	-	5 820	0,0	0,0	-	0,0%
up to 3 years	5 820	-	5 820	0,0	0,0	-	0,0%
Depositary certificates	24 000	17 000	41 000	0,7	0,0	17 000	70,8%
more than 180 days	24 000	17 000	41 000	0,7	0,0	17 000	70,8%
Other liabilities	6 928	5 238 183	7 385	756,1	4,3	457	6,6%
Other liabilities	6 126	5 235 278	6 188	854,6	4,3	62	1,0%
Accrued interest not yet paid	802	2 905	1 197	3,6	0,0	395	49,3%
EQUITY	319 033	59 778	323 592	0,2	0,0	4 559	1,4%
Capital	218 792	201	218 993	0,0	0,0	201	0,1%
Profit from previous years	97 060	-	97 060	0,0	0,0	-	0,0%
Retained earnings from previous years	97 060	-	97 060	0,0	0,0	-	0,0%
Current year profit	5 372	59 351	9 733	11,0	0,0	4 361	81,2%
Current year retained earnings	5 372	59 351	9 733	11,0	0,0	4 361	81,2%
Future expenses	-2 191	229	-2 194	0,1	0,0	-3	0,1%
OFF-BALANCE SHEET	706 955	104 582	730 767	0,1	0,1	23 812	3,4%
Contingent liabilities	-3 716	50	-3 766	0,0	0,0	-50	1,3%
Unused credit limits opened	-3 716	50	-3 766	0,0	0,0	-50	1,3%
Collateral on loans	599 523	103 766	616 142	0,2	0,1	16 619	2,8%
goods	361 884	30 394	338 900	0,1	0,0	-22 984	-6,4%
securities	237 639	96 356	277 242	0,4	0,1	39 603	16,7%
Unprocessed payments	110 771	8 009	118 014	0,1	0,0	7 243	6,5%
Due to lack of funds on client accounts	110 771	8 009	118 014	0,1	0,0	7 243	6,5%
Other off-balance sheet accounts	377	-	377	0,0	0,0	-	0,0%
Accrued interest not yet received	565	-	565	0,0	0,0	-	0,0%
Written-off loans	-188	-	-188	0,0	0,0	-	0,0%
Past due ratio, total	50	-	52	0,0	0,0	2	4,0%
Past due ratio, individuals	32	-	36	0,0	0,0	4	12,5%
Past due ratio, corporates	92	-	86	0,0	0,0	-6	-6,5%
Past due ratio, corporates + entrepreneurs	92	-	86	0,0	0,0	-6	-6,5%
Risk-weighted assets	1 197 251	-	1 180 586	0,0	0,0	-16 665	-1,4%