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

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	LIPECKIY OBLASTNOY BANK	add to comparison
Central Bank of Russia registration number: 1794

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	2 271 992	2 969 993	1 927 622	2 731 794	459 802	20,2%
High liquid assets	1 437 927	2 239 465	1 313 478	1 271 921	-166 006	-11,5%
Cash and equivalents	1 379 250	2 167 552	1 263 642	1 224 664	-154 586	-11,2%
Cash	356 256	480 708	380 183	331 462	-24 794	-7,0%
in cash and en route	338 726	461 710	362 313	318 523	-20 203	-6,0%
in ATMs	17 530	18 998	17 870	12 939	-4 591	-26,2%
Nostro account with Central Bank	1 022 994	1 686 844	883 459	893 202	-129 792	-12,7%
Nostro accounts	34 345	56 215	31 164	29 258	-5 087	-14,8%
Residents	34 345	56 215	31 164	29 258	-5 087	-14,8%
Money in transfer	24 332	15 698	18 672	17 999	-6 333	-26,0%
Interest-earning assets	429 335	322 635	388 385	580 583	151 248	35,2%
Dues from banks	120 000	75 000	165 000	150 000	30 000	25,0%
Residents	120 000	75 000	165 000	150 000	30 000	25,0%
up to 30 days	120 000	75 000	165 000	150 000	30 000	25,0%
Securities	138 074	106 309	-	127 500	-10 574	-7,7%
Promissory notes	138 074	26 562	-	127 500	-10 574	-7,7%
Corporate	138 074	25	-	85 000	-53 074	-38,4%
Provision for impairment of promissory notes	-	26 537	-	42 500	42 500	-
Stocks	-	79 747	-	-	-	-
Residents	-	79 008	-	-	-	-
Valuation allowance	-	739	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	160 210	115 284	214 542	280 229	120 019	74,9%
residents	116 819	75 763	79 063	231 186	114 367	97,9%
up to 30 days	19 165	37 499	4 334	13 772	-5 393	-28,1%
up to 180 days	71 267	3 509	71 058	18 149	-53 118	-74,5%
up to 1 year	5 387	9 755	3 171	185 900	180 513	3 350,9%
up to 3 years	21 000	25 000	500	13 365	-7 635	-36,4%
state-owned enterprises	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
Past-due	7 676	11 932	51 212	4 659	-3 017	-39,3%
residents	7 676	11 932	51 212	4 659	-3 017	-39,3%
Provision for impairment of corporate loans	35 715	27 589	84 267	44 384	8 669	24,3%
residents	35 715	27 589	84 267	44 384	8 669	24,3%
Loans to private entrepreneurs	1 193	7 450	1 100	8 092	6 899	578,3%
up to 1 year	1 000	-	-	-	-1 000	-100,0%
up to 3 years	-	7 000	600	-	-	-
Past-due	161	-	424	425	264	164,0%
Provision for impairment of loans to private entrepreneurs	32	450	76	7 667	7 635	23 859,4%
Loans to individuals	9 858	18 592	7 743	14 762	4 904	49,7%
Standard	8 899	6 108	5 576	2 339	-6 560	-73,7%
up to 30 days	137	161	204	208	71	51,8%
up to 180 days	386	-	-	-	-386	-100,0%
up to 1 year	60	680	210	185	125	208,3%
up to 3 years	1 170	1 825	4 752	1 137	-33	-2,8%
more than 3 years	7 146	3 442	410	809	-6 337	-88,7%
Past-due	484	9 975	855	452	-32	-6,6%
Past-due	484	9 975	855	452	-32	-6,6%
Provision for impairment of loans to individuals	475	2 509	1 312	11 971	11 496	2 420,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	404 730	407 893	225 759	879 290	474 560	117,3%
Mandatory reserves with Central Bank	-	-	31	383	383	-
Premises and equipment	165 845	79 501	7 077	292 608	126 763	76,4%
Purchase cost	165 545	79 080	7 077	292 608	127 063	76,8%
Depreciation	300	421	-	-	-300	-100,0%
Accrued interest not yet received	2 968	332	150	5 309	2 341	78,9%
Assets under management	-	-	-	-	-	-
Other assets	234 436	300 272	204 787	548 479	314 043	134,0%
Provision for impairment of other assets	1 481	27 788	13 714	32 511	31 030	2 095,2%
LIABILITIES	1 333 684	2 073 448	1 181 531	1 300 130	-33 554	-2,5%
Dues to banks	239 002	475 008	46 900	45 000	-194 002	-81,2%
On demand	5 002	20 008	-	-	-5 002	-100,0%
Residents	5 002	20 008	-	-	-5 002	-100,0%
Term	225 000	455 000	45 000	45 000	-180 000	-80,0%
Residents	225 000	455 000	45 000	45 000	-180 000	-80,0%
up to 30 days	225 000	455 000	45 000	45 000	-180 000	-80,0%
Other dues to banks	9 000	-	1 900	-	-9 000	-100,0%
On demand	937 430	1 318 732	979 434	1 027 892	90 462	9,7%
Corporate clients	890 066	1 274 646	943 321	986 279	96 213	10,8%
State-owned enterprises	30 408	25 478	34 418	27 448	-2 960	-9,7%
Residents	859 069	1 248 625	907 776	957 053	97 984	11,4%
Non-residents	589	543	1 127	1 778	1 189	201,9%
Individuals	47 364	44 086	36 113	41 613	-5 751	-12,1%
Residents	47 352	44 072	36 099	41 596	-5 756	-12,2%
Non-residents	12	14	14	17	5	41,7%
Term	105 086	216 869	117 732	184 459	79 373	75,5%
Corporate clients	37 214	47 630	36 745	21 729	-15 485	-41,6%
Residents	30 214	45 630	36 745	21 729	-8 485	-28,1%
up to 180 days	30 214	45 630	28 945	15 573	-14 641	-48,5%
up to 1 year	-	-	7 800	6 156	6 156	-
up to 3 years	-	-	-	-	-	-
State-owned enterprises	7 000	2 000	-	-	-7 000	-100,0%
up to 1 year	7 000	2 000	-	-	-7 000	-100,0%
Individuals	67 872	169 239	80 987	162 730	94 858	139,8%
residents	67 872	169 239	80 987	162 730	94 858	139,8%
up to 180 days	600	100	45	405	-195	-32,5%
up to 1 year	11 184	2 335	358	51 454	40 270	360,1%
up to 3 years	49 670	151 606	66 659	85 943	36 273	73,0%
more than 3 years	6 418	15 198	13 925	24 928	18 510	288,4%
Other liabilities	52 166	62 839	37 465	42 779	-9 387	-18,0%
Other liabilities	48 138	62 446	37 149	38 305	-9 833	-20,4%
Accrued interest not yet paid	4 028	393	316	4 474	446	11,1%
EQUITY	141 542	86 448	90 451	559 275	417 733	295,1%
Capital	24 868	24 750	115	3 216	-21 652	-87,1%
Profit from previous years	-	-	-	2 130	2 130	-
Retained earnings from previous years	-	-	-	2 130	2 130	-
Current year profit	116 659	61 648	90 310	553 917	437 258	374,8%
Current year retained earnings	116 659	61 648	90 310	553 917	437 258	374,8%
Future expenses	15	50	26	12	-3	-20,0%
OFF-BALANCE SHEET	327 387	145 169	116 536	585 259	257 872	78,8%
Contingent liabilities	38 279	25 307	58 623	215 621	177 342	463,3%
Guarantees issued	15 372	1 642	1 144	5 743	-9 629	-62,6%
Unused credit limits opened	22 907	23 665	57 479	209 878	186 971	816,2%
Collateral on loans	289 108	118 311	55 974	339 706	50 598	17,5%
goods	160 498	111 316	47 275	328 650	168 152	104,8%
securities	128 610	6 995	8 699	11 056	-117 554	-91,4%
Other off-balance sheet accounts	-	1 551	1 939	29 932	29 932	-
Accrued interest not yet received	-	1 551	1 939	4 292	4 292	-
Written-off loans	-	-	-	25 640	25 640	-
Credit card balances	137	161	204	208	71	51,8%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-