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

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	KUBAN KREDIT	add to comparison
Central Bank of Russia registration number: 2518 retail funding, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	231 307 429	232 370 398	310 489 139	216 019 813	-15 287 616	-6,6%
High liquid assets	169 870 284	177 424 874	229 501 135	134 820 990	-35 049 294	-20,6%
Cash and equivalents	97 380 377	96 767 334	140 990 370	78 865 884	-18 514 493	-19,0%
Cash	38 266 276	37 739 102	52 910 798	27 744 220	-10 522 056	-27,5%
in cash and en route	32 975 870	32 229 151	46 122 524	23 975 692	-9 000 178	-27,3%
in ATMs	5 195 648	5 367 488	6 707 891	3 649 555	-1 546 093	-29,8%
precious metals	94 758	142 463	80 383	118 973	24 215	25,6%
Nostro account with Central Bank	59 114 101	59 028 232	88 079 572	51 121 664	-7 992 437	-13,5%
Nostro accounts	38 974 977	38 407 750	39 690 676	25 929 735	-13 045 242	-33,5%
Non-residents	1 100 966	800 920	959 924	1 014 481	-86 485	-7,9%
Residents	37 874 011	37 606 830	38 730 752	24 915 254	-12 958 757	-34,2%
Money in transfer	33 514 537	42 249 345	48 819 721	30 024 930	-3 489 607	-10,4%
Provision for impairment of high-liquid assets	393	445	368	441	48	12,2%
Interest-earning assets	28 282 854	26 742 639	43 295 845	44 470 577	16 187 723	57,2%
Dues from banks	4 731 465	9 713 408	18 045 144	11 530 258	6 798 793	143,7%
Central Bank of Russia	4 000 000	3 921 070	8 040 000	8 900 000	4 900 000	122,5%
Residents	731 202	5 783 382	10 002 044	2 629 658	1 898 456	259,6%
up to 30 days	731 202	5 783 382	7 002 044	2 629 658	1 898 456	259,6%
up to 180 days	-	-	3 000 000	-	-	-
more than 180 days	-	-	-	-	-	-
Provision for impairment of loans to banks	263	8 956	3 100	600	337	128,1%
Securities	15 859 685	7 605 793	15 659 678	27 094 934	11 235 249	70,8%
Bonds	15 838 543	7 181 400	15 621 403	27 019 729	11 181 186	70,6%
Federal Loan Bonds (OFZs), OBRs	7 884 828	3 376 510	7 183 720	14 654 113	6 769 285	85,9%
Corporate bonds	66 542	64 411	66 297	65 913	-629	-0,9%
Financial institutions bonds	84 730	275 624	134 434	244 577	159 847	188,7%
Valuation allowance	6 090	14 175	79 293	10 663	4 573	75,1%
Pledged under REPO	7 795 882	3 288 458	8 107 113	12 043 124	4 247 242	54,5%
Provision for impairment of bonds	471	162 222	50 546	1 339	868	184,3%
Promissory notes	21 142	424 393	38 275	75 205	54 063	255,7%
Banks	20 096	424 329	38 159	75 124	55 028	273,8%
Provision for impairment of promissory notes	1 046	64	116	81	-965	-92,3%
Loans to corporate clients	5 859 843	6 801 480	7 180 069	4 538 097	-1 321 746	-22,6%
residents	4 322 611	4 788 706	5 793 820	3 776 322	-546 289	-12,6%
up to 30 days	721 860	806 667	798 507	606 973	-114 887	-15,9%
up to 180 days	561 926	402 875	835 188	657 552	95 626	17,0%
up to 1 year	1 706 038	2 339 783	2 839 362	1 451 361	-254 677	-14,9%
up to 3 years	765 965	748 195	850 786	311 371	-454 594	-59,3%
more than 3 years	566 822	491 186	469 977	749 065	182 243	32,2%
state-owned enterprises	5 967	-	-	-	-5 967	-100,0%
up to 180 days	5 967	-	-	-	-5 967	-100,0%
Past-due	9 077	2 124	5 241	2 039	-7 038	-77,5%
residents	9 077	1 962	5 170	2 039	-7 038	-77,5%
state-owned enterprises	-	162	71	-	-	-
Provision for impairment of corporate loans	1 522 188	2 010 650	1 381 008	759 736	-762 452	-50,1%
residents	1 522 188	2 010 649	1 381 008	759 733	-762 455	-50,1%
state-owned enterprises	-	1	-	3	3	-
Loans to private entrepreneurs	904 412	1 478 476	1 028 264	490 082	-414 330	-45,8%
up to 30 days	163 240	173 224	174 335	163 384	144	0,1%
up to 180 days	36 358	38 013	48 359	33 032	-3 326	-9,1%
up to 1 year	257 170	250 826	329 394	82 848	-174 322	-67,8%
up to 3 years	122 434	362 695	73 323	51 221	-71 213	-58,2%
more than 3 years	149 971	393 800	175 653	96 680	-53 291	-35,5%
Past-due	5 712	3 489	4 115	3 429	-2 283	-40,0%
Provision for impairment of loans to private entrepreneurs	169 527	256 429	223 085	59 488	-110 039	-64,9%
Loans to individuals	927 449	1 143 482	1 382 690	817 206	-110 243	-11,9%
Standard	775 222	918 600	1 101 573	614 760	-160 462	-20,7%
up to 30 days	13 847	12 702	17 404	10 132	-3 715	-26,8%
up to 180 days	-	10	159	15	15	-
up to 1 year	2 764	3 892	4 635	1 310	-1 454	-52,6%
up to 3 years	36 466	31 086	45 391	19 487	-16 979	-46,6%
more than 3 years	722 145	870 910	1 033 984	583 816	-138 329	-19,2%
Past-due	10 480	16 741	10 664	22 764	12 284	117,2%
Past-due	10 480	16 741	10 664	22 764	12 284	117,2%
Provision for impairment of loans to individuals	141 747	208 141	270 453	179 682	37 935	26,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	33 154 291	28 202 885	37 692 159	36 728 246	3 573 955	10,8%
Mandatory reserves with Central Bank	17 764	8 915	5 573	5 548	-12 216	-68,8%
Premises and equipment	715 321	430 822	3 396 540	900 643	185 322	25,9%
Purchase cost	710 207	393 441	3 392 118	875 852	165 645	23,3%
Depreciation	5 114	37 381	4 422	24 791	19 677	384,8%
Accrued interest not yet received	568 957	568 628	616 793	646 843	77 886	13,7%
Other assets	30 531 557	26 061 243	32 359 695	34 406 382	3 874 825	12,7%
Provision for impairment of other assets	1 310 648	1 123 715	1 307 829	720 671	-589 977	-45,0%
Derivatives - assets	10 044	9 562	5 729	48 159	38 115	379,5%
LIABILITIES	174 180 737	177 898 257	218 159 136	158 543 347	-15 637 390	-9,0%
Dues to banks	7 675 333	5 010 254	9 045 226	11 705 945	4 030 612	52,5%
Term	7 509 570	4 213 747	8 696 382	11 225 677	3 716 107	49,5%
Central Bank of Russia	-	31 000	19 351	24 220	24 220	-
up to 30 days	-	-	11	-	-	-
up to 180 days	-	25 000	-	-	-	-
more than 180 days	-	6 000	19 340	24 220	24 220	-
Residents	7 509 570	4 182 747	8 677 031	11 201 457	3 691 887	49,2%
up to 30 days	7 509 570	4 182 747	8 677 031	11 201 457	3 691 887	49,2%
Other dues to banks	165 763	796 507	348 844	480 268	314 505	189,7%
On demand	120 350 360	121 249 913	152 486 378	93 901 009	-26 449 351	-22,0%
Corporate clients	107 701 788	107 455 175	132 662 356	82 366 624	-25 335 164	-23,5%
State-owned enterprises	287 641	241 589	685 333	197 036	-90 605	-31,5%
Residents	107 115 088	106 936 577	131 649 734	81 994 902	-25 120 186	-23,5%
Non-residents	299 059	277 009	327 289	174 686	-124 373	-41,6%
Individuals	12 648 572	13 794 738	19 824 022	11 534 385	-1 114 187	-8,8%
Residents	12 601 380	13 740 888	19 766 295	11 478 315	-1 123 065	-8,9%
Non-residents	47 192	53 850	57 727	56 070	8 878	18,8%
Term	20 672 742	22 858 176	26 610 765	20 070 921	-601 821	-2,9%
Corporate clients	13 117 676	14 468 168	18 384 824	14 137 050	1 019 374	7,8%
Residents	13 031 176	14 291 168	18 253 624	14 090 450	1 059 274	8,1%
up to 30 days	180 600	155 330	526 950	804 559	623 959	345,5%
up to 180 days	6 188 202	6 136 226	5 829 554	6 103 900	-84 302	-1,4%
up to 1 year	6 563 475	7 844 428	11 738 137	7 124 785	561 310	8,6%
up to 3 years	98 899	155 184	158 983	57 206	-41 693	-42,2%
more than 3 years	-	-	-	-	-	-
State-owned enterprises	86 500	177 000	131 200	46 600	-39 900	-46,1%
up to 1 year	86 500	177 000	131 200	46 600	-39 900	-46,1%
Individuals	7 555 066	8 390 008	8 225 941	5 933 871	-1 621 195	-21,5%
residents	7 546 979	8 357 127	8 214 898	5 921 054	-1 625 925	-21,5%
up to 180 days	1 196 435	1 500 178	2 076 373	1 963 586	767 151	64,1%
up to 1 year	3 459 438	3 348 722	2 534 115	1 707 541	-1 751 897	-50,6%
up to 3 years	881 296	1 397 389	1 051 878	600 417	-280 879	-31,9%
more than 3 years	2 009 810	2 110 838	2 552 532	1 649 510	-360 300	-17,9%
non-residents	8 087	32 881	11 043	12 817	4 730	58,5%
up to 180 days	-	11 050	6 198	1 155	1 155	-
up to 1 year	5 017	8 757	1 974	6 704	1 687	33,6%
up to 3 years	2 558	1 539	2 616	1 537	-1 021	-39,9%
more than 3 years	512	11 535	255	3 421	2 909	568,2%
Securities issued	52 004	-	-	1 156	-50 848	-97,8%
Promissory notes	52 004	-	-	1 156	-50 848	-97,8%
on demand	52 004	-	-	-	-52 004	-100,0%
up to 1 year	-	-	-	1 156	1 156	-
up to 3 years	-	-	-	-	-	-
Other liabilities	25 430 298	28 779 914	30 016 767	32 864 316	7 434 018	29,2%
Other liabilities	25 149 640	28 394 815	29 641 795	32 507 303	7 357 663	29,3%
Accrued interest not yet paid	273 801	298 795	368 246	337 615	63 814	23,3%
Derivatives - liabilities	6 857	8 268	6 726	19 398	12 541	182,9%
Deferred tax liabilities	-	78 036	-	-	-	-
EQUITY	4 726 519	5 654 481	5 503 142	107 890 291	103 163 772	2 182,7%
Capital	-	-	64 087	-	-	-
Profit from previous years	-	-	-	51 447 064	51 447 064	-
Retained earnings from previous years	-	-	-	51 447 064	51 447 064	-
Current year profit	4 726 519	5 654 481	5 439 055	56 443 227	51 716 708	1 094,2%
Current year retained earnings	4 726 519	5 654 481	5 439 055	56 443 227	51 716 708	1 094,2%
OFF-BALANCE SHEET	12 621 750	12 920 484	13 196 213	10 528 127	-2 093 623	-16,6%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	5 919 397	7 388 659	7 814 066	6 795 932	876 535	14,8%
Guarantees issued	14 670	244 856	53 638	1 436 212	1 421 542	9 690,1%
Unused credit limits opened	5 843 704	6 955 313	7 671 938	4 949 294	-894 410	-15,3%
Unused guarantee limits	61 023	188 490	88 490	410 426	349 403	572,6%
Collateral on loans	6 457 754	5 288 534	4 916 256	3 399 802	-3 057 952	-47,4%
goods	6 171 862	5 051 572	4 655 184	3 225 386	-2 946 476	-47,7%
securities	285 892	236 962	261 072	174 416	-111 476	-39,0%
Unprocessed payments	244 599	243 195	462 338	332 392	87 793	35,9%
Due to lack of funds on client accounts	244 599	243 195	462 338	332 392	87 793	35,9%
Other off-balance sheet accounts	-	96	3 553	1	1	-
Written-off interest	-	-	367	-	-	-
Written-off loans	-	96	3 186	1	1	-
Credit card balances	13 847	12 702	17 404	10 132	-3 715	-26,8%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-