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

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	BINBANK SMOLENSK	add to comparison
Central Bank of Russia registration number: 1957 under resolution, retail funding

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	8 179 310	15 252 006	9 850 558	9 244 322	1 065 012	13,0%
High liquid assets	6 812 889	13 725 399	8 107 338	7 389 127	576 238	8,5%
Cash and equivalents	4 803 813	8 346 660	5 154 445	5 217 468	413 655	8,6%
Cash	2 225 498	2 639 821	2 547 265	2 516 524	291 026	13,1%
in cash and en route	2 225 498	2 639 821	2 547 265	2 516 524	291 026	13,1%
Nostro account with Central Bank	2 578 315	5 706 839	2 607 180	2 700 944	122 629	4,8%
Nostro accounts	1 968 442	5 330 565	2 876 715	2 045 169	76 727	3,9%
Residents	1 968 442	5 330 565	2 876 715	2 045 169	76 727	3,9%
Money in transfer	40 633	48 168	76 177	126 487	85 854	211,3%
Provision for impairment of high-liquid assets	1	6	1	3	2	200,0%
Interest-earning assets	1 195 830	1 272 449	1 554 219	1 668 868	473 038	39,6%
Dues from banks	1 158 999	1 212 868	1 520 385	1 650 000	491 001	42,4%
Residents	1 158 999	1 212 868	1 520 385	1 650 000	491 001	42,4%
up to 30 days	45 000	-	-	-	-45 000	-100,0%
up to 180 days	1 113 999	1 212 868	1 520 385	1 650 000	536 001	48,1%
more than 180 days	-	-	-	-	-	-
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Loans to corporate clients	12 638	20 893	11 166	5 821	-6 817	-53,9%
residents	3 531	12 981	730	410	-3 121	-88,4%
up to 1 year	-	-	-	-	-	-
up to 3 years	1 352	481	730	410	-942	-69,7%
more than 3 years	2 179	12 500	-	-	-2 179	-100,0%
Past-due	5 587	2 055	3 316	1 261	-4 326	-77,4%
residents	5 587	2 055	3 316	1 261	-4 326	-77,4%
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	3 520	5 857	7 120	4 150	630	17,9%
residents	3 519	5 851	7 119	4 149	630	17,9%
state-owned enterprises	1	6	1	1	-	0,0%
Loans to private entrepreneurs	16 206	27 076	15 091	6 428	-9 778	-60,3%
up to 3 years	-	-	-	-	-	-
more than 3 years	8 592	2 987	4 513	2 419	-6 173	-71,8%
Past-due	3 389	9 948	1 987	1 856	-1 533	-45,2%
Provision for impairment of loans to private entrepreneurs	4 225	14 141	8 591	2 153	-2 072	-49,0%
Loans to individuals	7 987	11 612	7 577	6 619	-1 368	-17,1%
Standard	4 160	3 724	4 120	2 996	-1 164	-28,0%
up to 30 days	4 160	3 724	4 052	2 996	-1 164	-28,0%
up to 3 years	-	-	68	-	-	-
more than 3 years	-	-	-	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	3 421	5 411	3 091	3 259	-162	-4,7%
Past-due	3 421	5 411	3 091	3 259	-162	-4,7%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	406	2 477	366	364	-42	-10,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	170 591	254 158	189 001	186 327	15 736	9,2%
Mandatory reserves with Central Bank	3 603	632	4 555	106	-3 497	-97,1%
Premises and equipment	8 594	83 973	7 323	5 480	-3 114	-36,2%
Purchase cost	8 594	74 724	6 553	5 480	-3 114	-36,2%
Depreciation	-	9 249	770	-	-	-
Accrued interest not yet received	58 725	57 246	50 708	58 370	-355	-0,6%
Other assets	97 255	108 366	124 206	121 003	23 748	24,4%
Provision for impairment of other assets	2 414	3 941	2 209	1 368	-1 046	-43,3%
LIABILITIES	4 191 123	7 375 237	4 948 794	4 520 610	329 487	7,9%
Dues to banks	-	-	-	-	-	-
Term	-	-	-	-	-	-
Residents	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-
On demand	3 433 902	6 510 152	3 841 331	3 581 817	147 915	4,3%
Corporate clients	3 139 667	6 290 943	3 560 310	3 342 423	202 756	6,5%
State-owned enterprises	1 120	1 259	1 287	1 558	438	39,1%
Residents	3 138 375	6 288 121	3 555 673	3 335 981	197 606	6,3%
Non-residents	172	1 563	3 350	4 884	4 712	2 739,5%
Individuals	294 235	219 209	281 021	239 394	-54 841	-18,6%
Residents	282 986	209 335	270 551	227 914	-55 072	-19,5%
Non-residents	11 249	9 874	10 470	11 480	231	2,1%
Term	486 778	550 023	715 924	638 063	151 285	31,1%
Corporate clients	92 880	175 066	322 594	319 383	226 503	243,9%
Residents	92 880	175 066	322 594	319 383	226 503	243,9%
up to 30 days	1 000	90 784	169 561	198 661	197 661	19 766,1%
up to 180 days	36 880	72 914	135 900	120 131	83 251	225,7%
up to 1 year	55 000	11 368	17 133	591	-54 409	-98,9%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
State-owned enterprises	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
Individuals	393 898	374 957	393 330	318 680	-75 218	-19,1%
residents	388 824	367 967	384 260	316 854	-71 970	-18,5%
up to 180 days	122 503	32 396	47 356	81 550	-40 953	-33,4%
up to 1 year	150 174	257 291	247 096	170 994	20 820	13,9%
up to 3 years	113 860	74 469	76 076	57 478	-56 382	-49,5%
more than 3 years	2 287	3 811	13 732	6 832	4 545	198,7%
non-residents	5 074	6 990	9 070	1 826	-3 248	-64,0%
up to 180 days	214	54	670	98	-116	-54,2%
up to 1 year	2 635	6 210	6 450	1 352	-1 283	-48,7%
up to 3 years	2 225	726	1 950	376	-1 849	-83,1%
Other liabilities	270 443	315 062	391 539	300 730	30 287	11,2%
Other liabilities	240 643	257 827	361 298	274 752	34 109	14,2%
Accrued interest not yet paid	29 505	57 235	30 241	25 452	-4 053	-13,7%
Deferred tax liabilities	295	-	-	526	231	78,3%
EQUITY	6 357 776	219 496	247 673	205 522	-6 152 254	-96,8%
Capital	4 550	-	-	-	-4 550	-100,0%
Profit from previous years	6 065 306	9 078	-	-	-6 065 306	-100,0%
Retained earnings from previous years	6 065 306	9 078	-	-	-6 065 306	-100,0%
Current year profit	287 920	210 418	247 673	205 515	-82 405	-28,6%
Current year retained earnings	287 920	210 418	247 673	205 515	-82 405	-28,6%
Future expenses	-	-	-	7	7	-
OFF-BALANCE SHEET	463 426	457 415	519 000	211 619	-251 807	-54,3%
Contingent liabilities	99 859	52 187	32 572	35 536	-64 323	-64,4%
Unused credit limits opened	99 859	52 187	32 572	35 536	-64 323	-64,4%
Collateral on loans	164 365	152 276	159 916	73 516	-90 849	-55,3%
goods	164 365	152 276	159 916	73 516	-90 849	-55,3%
Unprocessed payments	187 126	241 636	318 330	88 236	-98 890	-52,8%
Due to lack of funds on client accounts	187 126	241 636	318 330	88 236	-98 890	-52,8%
Other off-balance sheet accounts	12 076	11 316	8 182	14 331	2 255	18,7%
Accrued interest not yet received	11 073	10 896	7 541	13 807	2 734	24,7%
Written-off interest	-	-	-	-	-	-
Written-off loans	1 003	420	641	524	-479	-47,8%
Credit card balances	4 160	3 724	4 052	2 996	-1 164	-28,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-