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

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	NARODNIY ZEMELNO-PROMISHLENNIY BANK	add to comparison
Central Bank of Russia registration number: 2873

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.


Balance sheet position, thous. rub.	01.10.2017	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	568 194	419 525	517 512	0,7	0,8	-50 682	-8,9%
High liquid assets	387 192	366 507	330 061	0,9	0,7	-57 131	-14,8%
Cash and equivalents	23 638	170 080	19 551	7,2	0,3	-4 087	-17,3%
Cash	4 494	47 138	7 797	10,5	0,1	3 303	73,5%
in cash and en route	4 494	47 138	7 797	10,5	0,1	3 303	73,5%
Nostro account with Central Bank	19 144	126 245	11 754	6,6	0,2	-7 390	-38,6%
Nostro accounts	363 031	142 601	306 094	0,4	0,3	-56 937	-15,7%
Residents	363 031	142 601	306 094	0,4	0,3	-56 937	-15,7%
Money in transfer	523	17 937	520	34,3	0,0	-3	-0,6%
Exchange accounts	-	39 785	3 896	-	-	3 896	-
Interest-earning assets	168 797	44 244	174 065	0,3	0,1	5 268	3,1%
Loans to corporate clients	116 416	31 060	127 701	0,3	0,1	11 285	9,7%
residents	51 718	30 559	68 077	0,6	0,1	16 359	31,6%
up to 180 days	8 550	25 850	21 900	3,0	0,0	13 350	156,1%
up to 1 year	7 300	3 700	10 000	0,5	0,0	2 700	37,0%
up to 3 years	35 868	1 009	36 177	0,0	0,0	309	0,9%
state-owned enterprises	69 500	-	69 500	0,0	0,0	-	0,0%
more than 3 years	69 500	-	69 500	0,0	0,0	-	0,0%
Past-due	12 603	340	12 943	0,0	0,0	340	2,7%
residents	12 603	340	12 943	0,0	0,0	340	2,7%
Provision for impairment of corporate loans	-17 405	6 231	-22 819	0,4	0,0	-5 414	31,1%
residents	-16 710	6 231	-22 124	0,4	0,0	-5 414	32,4%
state-owned enterprises	-695	-	-695	0,0	0,0	-	0,0%
Loans to private entrepreneurs	-	-	-	-	-	-	-
more than 3 years	16 011	-	16 011	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-16 011	-	-16 011	0,0	0,0	-	0,0%
Loans to individuals	52 381	18 545	46 364	0,4	0,0	-6 017	-11,5%
Standard	87 372	14 975	80 461	0,2	0,0	-6 911	-7,9%
up to 30 days	1 951	2 134	-	1,1	0,0	-1 951	-100,0%
up to 1 year	4 181	1 145	3 036	0,3	0,0	-1 145	-27,4%
up to 3 years	51 805	10 958	48 298	0,2	0,0	-3 507	-6,8%
more than 3 years	29 435	738	29 127	0,0	0,0	-308	-1,0%
Past-due	3 553	1 053	4 580	0,3	0,0	1 027	28,9%
Past-due	3 553	1 053	4 580	0,3	0,0	1 027	28,9%
Provision for impairment of loans to individuals	-38 544	4 067	-38 677	0,1	0,0	-133	0,3%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	12 205	15 223	13 386	1,2	0,0	1 181	9,7%
Mandatory reserves with Central Bank	2 647	394	2 325	0,1	0,0	-322	-12,2%
Premises and equipment	530	84	515	0,2	0,0	-15	-2,8%
Purchase cost	2 966	69	2 964	0,0	0,0	-2	-0,1%
Depreciation	-2 436	15	-2 449	0,0	0,0	-13	0,5%
Accrued interest not yet received	472	2 701	545	5,7	0,0	73	15,5%
Other assets	10 356	10 095	10 322	1,0	0,0	-34	-0,3%
Provision for impairment of other assets	-2 336	2 320	-772	1,0	0,0	1 564	-67,0%
Deferred tax asset	536	85	451	0,2	0,0	-85	-15,9%
LIABILITIES	249 811	273 943	201 652	1,1	0,5	-48 159	-19,3%
On demand	92 039	233 448	49 178	2,5	0,5	-42 861	-46,6%
Corporate clients	89 711	221 884	46 950	2,5	0,4	-42 761	-47,7%
State-owned enterprises	38 986	65 448	20 950	1,7	0,1	-18 036	-46,3%
Residents	50 725	156 436	26 000	3,1	0,3	-24 725	-48,7%
Individuals	2 328	11 564	2 228	5,0	0,0	-100	-4,3%
Residents	2 328	11 564	2 228	5,0	0,0	-100	-4,3%
Term	155 809	17 187	150 736	0,1	0,0	-5 073	-3,3%
Corporate clients	50 000	-	50 000	0,0	0,0	-	0,0%
State-owned enterprises	50 000	-	50 000	0,0	0,0	-	0,0%
more than 3 years	50 000	-	50 000	0,0	0,0	-	0,0%
Individuals	105 809	17 187	100 736	0,2	0,0	-5 073	-4,8%
residents	105 809	17 187	100 736	0,2	0,0	-5 073	-4,8%
up to 180 days	6	-	6	0,0	0,0	-	0,0%
up to 1 year	34 662	2 141	34 934	0,1	0,0	272	0,8%
up to 3 years	71 141	15 318	65 796	0,2	0,0	-5 345	-7,5%
Other liabilities	1 963	23 308	1 738	11,9	0,0	-225	-11,5%
Other liabilities	1 963	17 164	1 738	8,7	0,0	-225	-11,5%
Accrued interest not yet paid	-	1 008	-	-	-	-	-
Deferred tax liabilities	-	5 136	-	-	-	-	-
EQUITY	318 383	19 370	315 860	0,1	0,0	-2 523	-0,8%
Capital	199 116	9	199 115	0,0	0,0	-1	-0,0%
Profit from previous years	93 958	1	93 959	0,0	0,0	1	0,0%
Retained earnings from previous years	93 958	1	93 959	0,0	0,0	1	0,0%
Current year profit	25 309	19 361	22 786	0,8	0,0	-2 523	-10,0%
Current year retained earnings	25 309	19 361	22 786	0,8	0,0	-2 523	-10,0%
OFF-BALANCE SHEET	249 337	58 625	263 412	0,2	0,1	14 075	5,6%
Contingent liabilities	-45 311	45 127	-17 123	1,0	0,1	28 188	-62,2%
Unused credit limits opened	-45 311	45 127	-17 123	1,0	0,1	28 188	-62,2%
Collateral on loans	293 731	12 825	281 462	0,0	0,0	-12 269	-4,2%
goods	293 731	12 825	281 462	0,0	0,0	-12 269	-4,2%
Unprocessed payments	12 584	2 495	10 459	0,2	0,0	-2 125	-16,9%
Due to lack of funds on client accounts	12 584	2 495	10 459	0,2	0,0	-2 125	-16,9%
Other off-balance sheet accounts	-11 667	303	-11 386	0,0	0,0	281	-2,4%
Accrued interest not yet received	2 552	303	2 833	0,1	0,0	281	11,0%
Written-off interest	-2 513	-	-2 513	0,0	0,0	-	0,0%
Written-off loans	-11 706	-	-11 706	0,0	0,0	-	0,0%
Credit card balances	1 951	2 134	-	1,1	0,0	-1 951	-100,0%
Past due ratio, total	671	-	697	0,0	0,0	26	3,9%
Past due ratio, individuals	391	-	539	0,0	0,0	148	37,9%
Past due ratio, corporates	942	-	860	0,0	0,0	-82	-8,7%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	841	-	777	0,0	0,0	-64	-7,6%
Risk-weighted assets	395 135	-	389 546	0,0	0,0	-5 589	-1,4%