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	UDMURTSKIY PENSIONNIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 1764

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Balance Profit Profitability

IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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.	01.04.2010	>> Turnover >>	01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009 01.10.2009 01.09.2009 01.08.2009 01.07.2009 01.06.2009 01.05.2009 01.04.2009 01.03.2009 01.02.2009 01.01.2009 01.12.2008 01.11.2008 01.10.2008 01.09.2008 01.08.2008 01.07.2008 01.06.2008 01.05.2008 01.04.2008 01.03.2008 01.02.2008 01.01.2008	Turnover / amount	Turnover / assets	Period change
ASSETS	732 043	1 952 958	783 921	2,7	2,5	51 878	7,1%
High liquid assets	118 748	1 047 816	92 301	8,8	1,3	-26 447	-22,3%
Cash and equivalents	113 445	860 932	87 450	7,6	1,1	-25 995	-22,9%
Cash	19 898	114 136	24 820	5,7	0,1	4 922	24,7%
in cash and en route	18 399	108 836	23 590	5,9	0,1	5 191	28,2%
in ATMs	1 499	5 569	1 230	3,7	0,0	-269	-17,9%
Nostro account with Central Bank	93 547	751 718	62 630	8,0	1,0	-30 917	-33,0%
Nostro accounts	5 306	174 024	4 854	32,8	0,2	-452	-8,5%
Residents	5 306	174 024	4 854	32,8	0,2	-452	-8,5%
Money in transfer	-	12 860	-	-	-	-	-
Provision for impairment of high-liquid assets	-3	-	-3	0,0	0,0	-	0,0%
Interest-earning assets	456 694	576 058	498 472	1,3	0,7	41 778	9,1%
Dues from banks	-	320 000	-	-	-	-	-
Residents	-	320 000	-	-	-	-	-
up to 30 days	-	320 000	-	-	-	-	-
Securities	33 629	129 771	84 609	3,9	0,2	50 980	151,6%
Promissory notes	33 629	129 771	84 609	3,9	0,2	50 980	151,6%
Corporate	22 616	55 962	22 988	2,5	0,1	372	1,6%
Banks	11 013	62 613	61 621	5,7	0,1	50 608	459,5%
Provision for impairment of promissory notes	-	11 196	-	-	-	-	-
Loans to corporate clients	367 445	115 155	359 560	0,3	0,1	-7 885	-2,1%
residents	439 759	113 890	368 238	0,3	0,1	-71 521	-16,3%
up to 30 days	488	1 204	654	2,5	0,0	166	34,0%
up to 180 days	9 000	9 000	-	1,0	0,0	-9 000	-100,0%
up to 1 year	278 269	49 266	263 003	0,2	0,1	-15 266	-5,5%
up to 3 years	146 785	50 249	103 701	0,3	0,1	-43 084	-29,4%
more than 3 years	5 217	4 337	880	0,8	0,0	-4 337	-83,1%
Past-due	43 024	13 451	55 254	0,3	0,0	12 230	28,4%
residents	43 024	13 451	55 254	0,3	0,0	12 230	28,4%
Provision for impairment of corporate loans	-115 338	51 450	-63 932	0,4	0,1	51 406	-44,6%
residents	-115 338	51 450	-63 932	0,4	0,1	51 406	-44,6%
Loans to private entrepreneurs	61 766	1 154	61 313	0,0	0,0	-453	-0,7%
up to 30 days	303	488	300	1,6	0,0	-3	-1,0%
up to 180 days	1 000	-	1 000	0,0	0,0	-	0,0%
up to 1 year	355	45	310	0,1	0,0	-45	-12,7%
up to 3 years	29 343	465	28 878	0,0	0,0	-465	-1,6%
more than 3 years	30 744	128	30 616	0,0	0,0	-128	-0,4%
Past-due	188	132	320	0,7	0,0	132	70,2%
Provision for impairment of loans to private entrepreneurs	-167	84	-111	0,5	0,0	56	-33,5%
Loans to individuals	38 740	17 851	49 998	0,5	0,0	11 258	29,1%
Standard	37 370	17 730	48 604	0,5	0,0	11 234	30,1%
up to 180 days	260	260	260	1,0	0,0	-	0,0%
up to 1 year	7 375	2 399	5 146	0,3	0,0	-2 229	-30,2%
up to 3 years	21 051	3 980	21 442	0,2	0,0	391	1,9%
more than 3 years	8 684	13 320	21 756	1,5	0,0	13 072	150,5%
Past-due	2 307	22	2 303	0,0	0,0	-4	-0,2%
Past-due	2 307	22	2 303	0,0	0,0	-4	-0,2%
Provision for impairment of loans to individuals	-937	103	-909	0,1	0,0	28	-3,0%
Provision for impairment of loans past-due	-44 886	12 587	-57 008	0,3	0,0	-12 122	27,0%
Other assets	156 601	355 531	193 148	2,3	0,5	36 547	23,3%
Mandatory reserves with Central Bank	12 695	204	12 869	0,0	0,0	174	1,4%
Premises and equipment	6 700	116 595	49 279	17,4	0,1	42 579	635,5%
Purchase cost	17 162	116 595	72 304	6,8	0,1	55 142	321,3%
Depreciation	-10 462	12 563	-23 025	1,2	0,0	-12 563	120,1%
Accrued interest not yet received	2 737	5 742	3 139	2,1	0,0	402	14,7%
Assets under management	132 373	55 139	124 999	0,4	0,1	-7 374	-5,6%
Non-current assets	28	35 364	28	1 263,0	0,0	-	0,0%
Other assets	2 460	149 664	3 167	60,8	0,2	707	28,7%
Provision for impairment of other assets	-392	197	-333	0,5	0,0	59	-15,1%
LIABILITIES	689 900	780 920	700 674	1,1	1,0	10 774	1,6%
Dues to banks	95	3 280	-	34,5	0,0	-95	-100,0%
Other dues to banks	95	3 280	-	34,5	0,0	-95	-100,0%
On demand	45 103	599 055	49 882	13,3	0,8	4 779	10,6%
Corporate clients	34 842	529 603	39 266	15,2	0,7	4 424	12,7%
State-owned enterprises	919	19 777	4 424	21,5	0,0	3 505	381,4%
Residents	33 923	509 826	34 842	15,0	0,7	919	2,7%
Individuals	10 261	69 452	10 616	6,8	0,1	355	3,5%
Residents	10 261	69 452	10 616	6,8	0,1	355	3,5%
Term	642 831	57 888	649 946	0,1	0,1	7 115	1,1%
Corporate clients	720	150	770	0,2	0,0	50	6,9%
Residents	720	150	770	0,2	0,0	50	6,9%
up to 30 days	-	50	50	-	-	50	-
up to 180 days	100	100	-	1,0	0,0	-100	-100,0%
up to 1 year	620	100	720	0,2	0,0	100	16,1%
Individuals	642 111	57 738	649 176	0,1	0,1	7 065	1,1%
residents	642 099	57 738	649 164	0,1	0,1	7 065	1,1%
up to 180 days	79 151	13 383	76 805	0,2	0,0	-2 346	-3,0%
up to 1 year	518 058	43 502	530 884	0,1	0,1	12 826	2,5%
up to 3 years	17 387	2 663	15 620	0,2	0,0	-1 767	-10,2%
more than 3 years	27 503	3 951	25 855	0,1	0,0	-1 648	-6,0%
non-residents	12	-	12	0,0	0,0	-	0,0%
up to 180 days	12	-	12	0,0	0,0	-	0,0%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Other liabilities	1 871	121 817	846	65,1	0,2	-1 025	-54,8%
Other liabilities	336	120 618	124	359,0	0,2	-212	-63,1%
Accrued interest not yet paid	1 535	1 199	722	0,8	0,0	-813	-53,0%
EQUITY	42 143	78 652	83 247	1,9	0,1	41 104	97,5%
Capital	116 559	-	116 559	0,0	0,0	-	0,0%
Profit from previous years	51 827	255	52 082	0,0	0,0	255	0,5%
Retained earnings from previous years	51 827	255	52 082	0,0	0,0	255	0,5%
Current year profit	-120 423	77 537	-79 782	0,6	0,1	40 641	-33,7%
Current year retained earnings	-120 423	77 537	-79 782	0,6	0,1	40 641	-33,7%
Future expenses	-5 820	860	-5 612	0,1	0,0	208	-3,6%
OFF-BALANCE SHEET	1 532 817	314 363	1 359 558	0,2	0,4	-173 259	-11,3%
Contingent liabilities	-9 671	10 354	-9 408	1,1	0,0	263	-2,7%
Unused credit limits opened	-9 671	10 354	-9 408	1,1	0,0	263	-2,7%
Collateral on loans	1 534 225	301 389	1 360 034	0,2	0,4	-174 191	-11,4%
goods	1 509 492	301 389	1 335 301	0,2	0,4	-174 191	-11,5%
securities	24 733	-	24 733	0,0	0,0	-	0,0%
Other off-balance sheet accounts	8 263	2 620	8 932	0,3	0,0	669	8,1%
Accrued interest not yet received	8 263	2 620	8 932	0,3	0,0	669	8,1%
Past due ratio, total	779	-	1 080	0,0	0,0	301	38,6%
Past due ratio, individuals	581	-	452	0,0	0,0	-129	-22,2%
Past due ratio, corporates	891	-	1 305	0,0	0,0	414	46,5%
Past due ratio, entrepreneurs	30	-	52	0,0	0,0	22	73,3%
Past due ratio, corporates + entrepreneurs	793	-	1 146	0,0	0,0	353	44,5%

You can also get acquainted with balance sheet aggregation methodics.