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

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	TEMBR-BANK	add to comparison
Central Bank of Russia registration number: 2764 retail funding, 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	56 807 194	62 593 306	54 365 693	60 601 175	3 793 981	6,7%
High liquid assets	27 502 117	31 558 672	25 459 794	27 146 132	-355 985	-1,3%
Cash and equivalents	25 847 078	27 143 057	24 895 346	26 620 115	773 037	3,0%
Cash	2 899 141	3 276 635	2 770 540	2 591 773	-307 368	-10,6%
in cash and en route	2 866 507	3 252 307	2 738 320	2 573 072	-293 435	-10,2%
in ATMs	32 634	24 328	32 220	18 701	-13 933	-42,7%
Nostro account with Central Bank	22 947 937	23 866 422	22 124 806	24 028 342	1 080 405	4,7%
Nostro accounts	1 205 459	1 195 993	296 115	252 994	-952 465	-79,0%
Non-residents	934 440	904 269	96 600	158 214	-776 226	-83,1%
Residents	271 019	291 724	199 515	94 780	-176 239	-65,0%
Money in transfer	449 580	3 219 622	268 333	273 023	-176 557	-39,3%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	19 539 066	16 863 712	18 399 262	21 131 080	1 592 014	8,1%
Dues from banks	18 609 212	15 950 434	17 743 740	20 014 546	1 405 334	7,6%
Central Bank of Russia	403 610	700 000	150 000	700 000	296 390	73,4%
Residents	18 200 000	15 250 434	17 590 000	19 310 000	1 110 000	6,1%
up to 30 days	18 200 000	15 250 434	17 590 000	19 310 000	1 110 000	6,1%
Provision for impairment of loans to banks	5 602	-	3 740	4 546	-1 056	-18,9%
Securities	2 842	202 782	102 215	3 436	594	20,9%
Bonds	1 560	1 638	1 497	1 469	-91	-5,8%
Federal Loan Bonds (OFZs), OBRs	1 450	1 498	1 497	1 450	-	0,0%
Valuation allowance	110	140	-	19	-91	-82,7%
Promissory notes	1 282	201 144	100 718	1 967	685	53,4%
Banks	1 282	199 908	100 098	730	-552	-43,1%
Provision for impairment of promissory notes	-	1 236	620	1 237	1 237	-
Loans to corporate clients	859 681	630 833	529 124	1 034 941	175 260	20,4%
residents	616 131	617 329	510 259	915 872	299 741	48,6%
up to 30 days	444 764	392 074	467 172	509 603	64 839	14,6%
up to 180 days	6 125	157 753	1 027	112 563	106 438	1 737,8%
up to 1 year	31 855	48 549	15 767	266 672	234 817	737,1%
up to 3 years	133 387	12 753	24 083	26 245	-107 142	-80,3%
more than 3 years	-	6 200	2 210	789	789	-
Past-due	35 000	-	-	901	-34 099	-97,4%
residents	35 000	-	-	901	-34 099	-97,4%
Provision for impairment of corporate loans	208 550	13 504	18 865	118 168	-90 382	-43,3%
residents	208 550	13 504	18 865	118 168	-90 382	-43,3%
Loans to private entrepreneurs	6 247	10 941	1 900	5 220	-1 027	-16,4%
up to 1 year	6 230	5 940	700	2 400	-3 830	-61,5%
up to 3 years	-	5 001	1 200	2 800	2 800	-
Provision for impairment of loans to private entrepreneurs	17	-	-	20	3	17,6%
Loans to individuals	61 084	68 722	22 283	72 937	11 853	19,4%
Standard	18 007	59 531	17 256	10 725	-7 282	-40,4%
up to 30 days	304	385	471	209	-95	-31,3%
up to 3 years	5 958	42 171	11 513	6 730	772	13,0%
more than 3 years	11 745	16 975	5 272	3 786	-7 959	-67,8%
Past-due	5 268	4 319	4 498	5 116	-152	-2,9%
Past-due	5 268	4 319	4 498	5 116	-152	-2,9%
Provision for impairment of loans to individuals	37 809	4 872	529	57 096	19 287	51,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	9 766 011	14 170 922	10 506 637	12 323 963	2 557 952	26,2%
Mandatory reserves with Central Bank	-	-	-	10 714	10 714	-
Premises and equipment	2 579	204 390	101 184	247 813	245 234	9 508,9%
Purchase cost	1 960	204 390	101 184	247 813	245 853	12 543,5%
Depreciation	619	-	-	-	-619	-100,0%
Accrued interest not yet received	49 982	52 806	50 707	52 103	2 121	4,2%
Other assets	9 506 534	13 885 177	10 340 949	11 960 695	2 454 161	25,8%
Provision for impairment of other assets	206 916	28 549	9 386	52 638	-154 278	-74,6%
Deferred tax asset	-	-	4 411	-	-	-
LIABILITIES	15 512 452	16 620 478	14 123 483	14 667 159	-845 293	-5,4%
Dues to banks	1 072 732	816 078	485 480	570 565	-502 167	-46,8%
Other dues to banks	1 072 732	816 078	485 480	570 565	-502 167	-46,8%
On demand	9 962 441	8 768 962	8 532 914	8 004 970	-1 957 471	-19,6%
Corporate clients	8 949 956	8 188 916	8 047 791	7 446 699	-1 503 257	-16,8%
State-owned enterprises	643	720	589	693	50	7,8%
Residents	7 993 135	7 176 437	7 880 618	7 273 369	-719 766	-9,0%
Non-residents	956 178	1 011 759	166 584	172 637	-783 541	-81,9%
Individuals	1 008 739	580 046	480 213	558 270	-450 469	-44,7%
Residents	1 000 417	567 350	479 221	555 109	-445 308	-44,5%
Non-residents	8 322	12 696	992	3 161	-5 161	-62,0%
Brokerage accounts	3 746	-	4 910	1	-3 745	-100,0%
Residents	3 746	-	4 910	1	-3 745	-100,0%
Term	588 956	369 761	389 022	406 845	-182 111	-30,9%
Corporate clients	174 462	162 153	209 324	197 090	22 628	13,0%
Residents	27 462	15 153	62 324	50 090	22 628	82,4%
up to 180 days	23 244	14 137	53 048	50 090	26 846	115,5%
up to 1 year	2 064	1 016	4 955	-	-2 064	-100,0%
up to 3 years	2 154	-	4 321	-	-2 154	-100,0%
Non-residents	147 000	147 000	147 000	147 000	-	0,0%
up to 180 days	147 000	147 000	147 000	147 000	-	0,0%
Individuals	414 494	207 608	179 698	209 755	-204 739	-49,4%
residents	414 494	207 608	179 698	209 755	-204 739	-49,4%
up to 1 year	-	367	-	-	-	-
up to 3 years	414 483	207 233	178 490	209 742	-204 741	-49,4%
more than 3 years	11	8	1 208	13	2	18,2%
non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Depositary certificates	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Other liabilities	3 888 323	6 665 677	4 716 067	5 684 779	1 796 456	46,2%
Other liabilities	3 827 384	6 613 784	4 638 078	5 647 370	1 819 986	47,6%
Accrued interest not yet paid	60 939	18 778	16 436	37 409	-23 530	-38,6%
Deferred tax liabilities	-	33 115	61 553	-	-	-
EQUITY	529 911	442 605	550 967	675 834	145 923	27,5%
Capital	2 607	540	3 982	2 786	179	6,9%
Profit from previous years	-	-	-	17 529	17 529	-
Retained earnings from previous years	-	-	-	17 529	17 529	-
Current year profit	527 304	442 065	546 985	655 519	128 215	24,3%
Current year retained earnings	527 304	442 065	546 985	655 519	128 215	24,3%
OFF-BALANCE SHEET	901 411	928 206	906 480	1 397 749	496 338	55,1%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	773 254	765 684	638 753	1 075 506	302 252	39,1%
Guarantees issued	162 028	33 310	117 919	24 140	-137 888	-85,1%
Unused credit limits opened	611 226	732 374	520 834	1 051 366	440 140	72,0%
Collateral on loans	110 272	63 228	201 461	100 252	-10 020	-9,1%
goods	110 272	63 228	201 461	100 252	-10 020	-9,1%
securities	-	-	-	-	-	-
Unprocessed payments	6 162	79 177	53 288	199 760	193 598	3 141,8%
Due to lack of funds on client accounts	6 162	79 177	53 288	199 760	193 598	3 141,8%
Other off-balance sheet accounts	11 723	20 117	12 978	22 231	10 508	89,6%
Written-off interest	3 070	5 503	3 433	5 770	2 700	87,9%
Written-off loans	8 653	14 614	9 545	16 461	7 808	90,2%
Credit card balances	304	385	471	209	-95	-31,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-