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

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	SEVERNIY KREDIT	add to comparison
Central Bank of Russia registration number: 2398 complies with 214-FZ (equity construction)

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	54 312 944	83 592 710	92 876 409	97 391 465	43 078 521	79,3%
High liquid assets	26 084 971	25 427 176	29 091 762	24 093 550	-1 991 421	-7,6%
Cash and equivalents	21 665 630	22 135 698	25 541 022	20 629 825	-1 035 805	-4,8%
Cash	6 128 591	7 508 889	9 620 006	7 670 146	1 541 555	25,2%
in cash and en route	5 651 357	6 936 243	8 769 036	6 726 458	1 075 101	19,0%
in ATMs	477 234	572 646	850 970	943 688	466 454	97,7%
Nostro account with Central Bank	15 537 039	14 626 809	15 921 016	12 959 679	-2 577 360	-16,6%
Nostro accounts	1 071 919	1 052 267	1 016 326	1 231 944	160 025	14,9%
Residents	1 071 919	1 052 267	1 016 326	1 231 944	160 025	14,9%
Money in transfer	2 423 583	1 995 419	2 162 762	2 018 038	-405 545	-16,7%
Exchange accounts	906 338	220 293	341 534	151 158	-755 180	-83,3%
Provision for impairment of high-liquid assets	17 501	23 499	30 118	62 585	45 084	257,6%
Interest-earning assets	6 028 543	5 685 593	6 374 444	3 395 899	-2 632 644	-43,7%
Dues from banks	5 093 416	4 720 488	5 492 644	2 648 177	-2 445 239	-48,0%
Central Bank of Russia	4 992 970	4 720 000	5 492 240	2 647 590	-2 345 380	-47,0%
Residents	100 446	488	404	587	-99 859	-99,4%
up to 30 days	100 446	488	404	587	-99 859	-99,4%
Securities	16 264	33 234	38 589	73 203	56 939	350,1%
Bonds	12 964	22 254	34 644	66 492	53 528	412,9%
Federal Loan Bonds (OFZs), OBRs	7 622	16 792	30 644	60 559	52 937	694,5%
Corporate bonds	3 011	3 188	16	-	-3 011	-100,0%
Financial institutions bonds	303	275	324	257	-46	-15,2%
Valuation allowance	2 028	1 397	3 660	5 676	3 648	179,9%
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	-	602	-	-	-	-
Promissory notes	3 300	10 980	3 945	6 711	3 411	103,4%
Corporate	-	-	-	6 527	6 527	-
Banks	3 300	10 980	3 931	184	-3 116	-94,4%
Provision for impairment of promissory notes	-	-	14	-	-	-
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	777 319	823 285	780 505	586 143	-191 176	-24,6%
residents	658 049	692 418	559 152	511 708	-146 341	-22,2%
up to 30 days	296 674	306 713	244 012	200 290	-96 384	-32,5%
up to 180 days	173 977	130 600	194 629	204 828	30 851	17,7%
up to 1 year	81 912	100 201	63 443	62 704	-19 208	-23,4%
up to 3 years	87 086	154 904	47 975	43 886	-43 200	-49,6%
more than 3 years	18 400	-	9 093	-	-18 400	-100,0%
state-owned enterprises	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	19 409	13 815	58 011	20 800	1 391	7,2%
residents	19 409	13 815	58 011	20 800	1 391	7,2%
Provision for impairment of corporate loans	99 861	117 052	163 342	53 635	-46 226	-46,3%
residents	99 861	117 051	163 342	53 634	-46 227	-46,3%
state-owned enterprises	-	1	-	1	1	-
Loans to private entrepreneurs	24 751	19 509	22 634	19 858	-4 893	-19,8%
up to 30 days	24 216	15 955	17 342	19 061	-5 155	-21,3%
up to 180 days	-	2 000	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	1 000	5 000	-	-	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	535	554	292	797	262	49,0%
Loans to individuals	116 793	89 077	40 072	68 518	-48 275	-41,3%
Standard	83 185	30 326	30 120	19 680	-63 505	-76,3%
up to 30 days	8 819	8 511	9 165	7 060	-1 759	-19,9%
up to 180 days	101	10	210	1 999	1 898	1 879,2%
up to 1 year	64 394	4 120	3 985	5 779	-58 615	-91,0%
up to 3 years	9 614	17 204	14 010	4 242	-5 372	-55,9%
more than 3 years	257	481	2 750	600	343	133,5%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	17 509	14 602	5 724	7 091	-10 418	-59,5%
Past-due	17 509	14 602	5 724	7 091	-10 418	-59,5%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	16 099	44 149	4 228	41 747	25 648	159,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	22 199 430	52 479 941	57 410 203	69 902 016	47 702 586	214,9%
Mandatory reserves with Central Bank	48	-	770	1 536	1 488	3 100,0%
Premises and equipment	95 476	229 901	145 937	180 031	84 555	88,6%
Purchase cost	95 469	229 901	144 904	170 076	74 607	78,1%
Depreciation	7	-	1 033	9 955	9 948	142 114,3%
Accrued interest not yet received	55 166	61 081	59 553	50 147	-5 019	-9,1%
Factoring	5 748	4 221	3 754	7 132	1 384	24,1%
Other assets	21 989 529	52 122 411	57 171 512	69 639 851	47 650 322	216,7%
Provision for impairment of other assets	20 821	34 893	23 673	18 436	-2 385	-11,5%
Derivatives - assets	32 642	27 434	5 004	4 883	-27 759	-85,0%
LIABILITIES	30 597 261	59 222 361	65 734 408	79 190 399	48 593 138	158,8%
Dues to banks	184 572	196 822	168 936	265 314	80 742	43,7%
Other dues to banks	184 572	196 822	168 936	265 314	80 742	43,7%
On demand	9 282 756	8 998 657	10 257 647	10 177 371	894 615	9,6%
Corporate clients	7 979 577	7 865 435	8 639 011	8 786 371	806 794	10,1%
State-owned enterprises	13 184	166 050	6 424	3 640	-9 544	-72,4%
Residents	7 965 724	7 691 128	8 631 318	8 782 022	816 298	10,2%
Non-residents	669	8 257	1 269	709	40	6,0%
Individuals	1 303 179	1 133 222	1 618 636	1 391 000	87 821	6,7%
Residents	1 300 580	1 129 929	1 614 553	1 387 797	87 217	6,7%
Non-residents	2 599	3 293	4 083	3 203	604	23,2%
Term	775 729	975 416	1 055 381	1 494 000	718 271	92,6%
Corporate clients	225 204	306 813	279 397	770 941	545 737	242,3%
Residents	218 204	299 813	279 397	770 941	552 737	253,3%
up to 30 days	207 198	277 856	259 346	715 721	508 523	245,4%
up to 180 days	11 000	12 310	20 051	55 220	44 220	402,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	6	9 647	-	-	-6	-100,0%
State-owned enterprises	7 000	7 000	-	-	-7 000	-100,0%
up to 30 days	7 000	7 000	-	-	-7 000	-100,0%
Individuals	550 525	668 603	775 984	723 059	172 534	31,3%
residents	549 125	665 450	774 116	719 960	170 835	31,1%
up to 180 days	44 228	37 340	48 748	44 721	493	1,1%
up to 1 year	67 062	77 663	120 178	39 557	-27 505	-41,0%
up to 3 years	330 533	473 139	540 180	608 343	277 810	84,0%
more than 3 years	107 302	77 308	65 010	27 339	-79 963	-74,5%
non-residents	1 400	3 153	1 868	3 099	1 699	121,4%
up to 180 days	-	-	200	-	-	-
up to 1 year	976	-	-	2 600	1 624	166,4%
up to 3 years	110	2 789	1 399	227	117	106,4%
more than 3 years	314	364	269	272	-42	-13,4%
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Other liabilities	20 354 204	49 051 466	54 252 444	67 253 714	46 899 510	230,4%
Other liabilities	20 293 636	48 996 402	54 222 607	67 224 355	46 930 719	231,3%
Accrued interest not yet paid	31 063	33 186	29 837	29 359	-1 704	-5,5%
Derivatives - liabilities	29 505	21 878	-	-	-29 505	-100,0%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	357 543	363 582	547 184	477 729	120 186	33,6%
Capital	813	1 986	2 113	6 076	5 263	647,4%
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	354 137	359 001	540 425	469 612	115 475	32,6%
Current year retained earnings	354 137	359 001	540 425	469 612	115 475	32,6%
Future expenses	2 593	2 595	4 646	2 041	-552	-21,3%
OFF-BALANCE SHEET	1 336 999	1 158 439	885 963	1 718 567	381 568	28,5%
Contingent liabilities	708 135	727 467	600 208	716 178	8 043	1,1%
Guarantees issued	13 067	26 743	214	93 864	80 797	618,3%
Unused credit limits opened	695 067	700 724	586 615	622 314	-72 753	-10,5%
Unused guarantee limits	1	-	13 379	-	-1	-100,0%
Collateral on loans	320 972	161 318	82 704	426 378	105 406	32,8%
goods	317 102	161 318	82 704	421 525	104 423	32,9%
securities	3 870	-	-	4 853	983	25,4%
Unprocessed payments	287 146	256 249	189 622	559 102	271 956	94,7%
Due to lack of funds on client accounts	287 146	256 249	189 622	559 102	271 956	94,7%
Other off-balance sheet accounts	20 746	13 405	13 429	16 909	-3 837	-18,5%
Accrued interest not yet received	20 746	13 405	13 429	16 909	-3 837	-18,5%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	8 819	8 511	9 165	7 060	-1 759	-19,9%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-