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

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	TORGOVIY GORODSKOY BANK	add to comparison
Central Bank of Russia registration number: 3180 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	146 835 835	180 657 311	89 313 230	112 456 415	-34 379 420	-23,4%
High liquid assets	77 643 948	70 351 959	48 216 534	58 560 895	-19 083 053	-24,6%
Cash and equivalents	24 791 713	18 760 945	8 037 109	12 496 430	-12 295 283	-49,6%
Cash	14 223 946	10 984 411	5 271 133	10 431 838	-3 792 108	-26,7%
in cash and en route	14 197 306	10 937 389	5 245 273	10 394 302	-3 803 004	-26,8%
in ATMs	26 640	47 022	25 860	37 536	10 896	40,9%
Nostro account with Central Bank	10 567 767	7 776 534	2 765 976	2 064 592	-8 503 175	-80,5%
Nostro accounts	1 702 253	629 199	252 736	175 757	-1 526 496	-89,7%
Non-residents	1 520 414	475 671	119 629	94 610	-1 425 804	-93,8%
Residents	181 839	153 528	133 107	81 147	-100 692	-55,4%
Money in transfer	51 148 767	50 955 905	39 926 457	45 887 134	-5 261 633	-10,3%
Provision for impairment of high-liquid assets	1 215	5 910	232	1 574	359	29,5%
Interest-earning assets	645 450	10 123 228	950 969	1 079 687	434 237	67,3%
Dues from banks	532	216	209	272	-260	-48,9%
Residents	532	216	209	272	-260	-48,9%
up to 30 days	532	216	209	272	-260	-48,9%
Securities	94 824	3 066 591	81 548	4 705	-90 119	-95,0%
Bonds	94 824	3 066 591	81 548	4 705	-90 119	-95,0%
Federal Loan Bonds (OFZs), OBRs	86 963	958 824	-	-	-86 963	-100,0%
Corporate foreign bonds	-	2 000 247	81 548	4 705	4 705	-
Valuation allowance	-	23 668	-	-	-	-
Pledged under REPO	7 861	83 852	-	-	-7 861	-100,0%
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	536 744	6 975 729	864 255	1 041 515	504 771	94,0%
residents	401 835	6 062 585	313 455	499 445	97 610	24,3%
up to 30 days	32 106	30 919	13 756	3 175	-28 931	-90,1%
up to 180 days	111 982	244 906	43 805	18 200	-93 782	-83,7%
up to 1 year	95 747	3 585 171	132 158	200 319	104 572	109,2%
up to 3 years	162 000	2 201 589	123 736	277 751	115 751	71,5%
more than 3 years	-	-	-	-	-	-
Past-due	24 034	250 869	369 295	183 870	159 836	665,0%
residents	24 034	250 869	369 295	183 870	159 836	665,0%
Provision for impairment of corporate loans	110 875	662 275	181 505	358 200	247 325	223,1%
residents	110 875	662 275	181 505	358 200	247 325	223,1%
Loans to private entrepreneurs	79	124	386	483	404	511,4%
up to 30 days	49	87	241	295	246	502,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	150	150	-
Past-due	-	-	108	-	-	-
Provision for impairment of loans to private entrepreneurs	30	37	37	38	8	26,7%
Loans to individuals	13 271	80 568	4 571	32 712	19 441	146,5%
Standard	1 878	50 849	1 513	1 218	-660	-35,1%
up to 30 days	878	821	1 313	1 098	220	25,1%
up to 1 year	-	40 650	200	70	70	-
up to 3 years	1 000	1 529	-	50	-950	-95,0%
more than 3 years	-	7 849	-	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	615	642	375	439	-176	-28,6%
Past-due	615	642	375	439	-176	-28,6%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	10 778	29 077	2 683	31 055	20 277	188,1%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	68 546 437	100 182 124	40 145 727	52 815 833	-15 730 604	-22,9%
Mandatory reserves with Central Bank	5 277	-	-	-	-5 277	-100,0%
Premises and equipment	3 238	2 002 575	924	250 396	247 158	7 633,0%
Purchase cost	3 238	1 999 530	924	249 328	246 090	7 600,1%
Depreciation	-	3 045	-	1 068	1 068	-
Accrued interest not yet received	91 431	166 990	95 399	84 989	-6 442	-7,0%
Assets under management	-	-	-	958 189	958 189	-
Other assets	68 410 855	97 936 314	40 018 635	51 482 068	-16 928 787	-24,7%
Provision for impairment of other assets	35 636	76 245	30 769	40 191	4 555	12,8%
LIABILITIES	62 876 508	63 292 841	44 492 308	51 099 115	-11 777 393	-18,7%
Dues to banks	82 179	193 512	11 776	121 339	39 160	47,7%
Term	60 000	160 000	-	100 000	40 000	66,7%
Residents	60 000	160 000	-	100 000	40 000	66,7%
up to 30 days	60 000	160 000	-	100 000	40 000	66,7%
Other dues to banks	22 179	33 512	11 776	21 339	-840	-3,8%
On demand	6 729 416	8 410 179	3 805 433	3 893 651	-2 835 765	-42,1%
Corporate clients	6 361 244	7 888 754	3 478 709	3 300 044	-3 061 200	-48,1%
State-owned enterprises	6 883	9 483	4 255	4 261	-2 622	-38,1%
Residents	6 242 755	7 781 475	3 412 179	3 248 624	-2 994 131	-48,0%
Non-residents	111 606	97 796	62 275	47 159	-64 447	-57,7%
Individuals	368 172	521 425	326 724	593 607	225 435	61,2%
Residents	365 771	515 043	325 283	593 595	227 824	62,3%
Non-residents	2 401	6 382	1 441	12	-2 389	-99,5%
Term	870 609	2 372 953	537 725	839 532	-31 077	-3,6%
Corporate clients	128 291	178 164	8 000	14 510	-113 781	-88,7%
Residents	128 291	178 164	8 000	14 510	-113 781	-88,7%
up to 30 days	71 043	-	-	-	-71 043	-100,0%
up to 180 days	11 090	85 296	8 000	11 010	-80	-0,7%
up to 1 year	17 158	42 604	-	3 500	-13 658	-79,6%
up to 3 years	29 000	50 264	-	-	-29 000	-100,0%
more than 3 years	-	-	-	-	-	-
Non-residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	742 318	2 194 789	529 725	825 022	82 704	11,1%
residents	739 920	2 177 870	527 359	820 520	80 600	10,9%
up to 180 days	69 064	22 548	1 463	75 137	6 073	8,8%
up to 1 year	205 070	497 566	142 639	81 766	-123 304	-60,1%
up to 3 years	465 786	1 657 756	383 257	663 617	197 831	42,5%
non-residents	2 398	16 919	2 366	4 502	2 104	87,7%
up to 180 days	245	-	-	-	-245	-100,0%
up to 1 year	74	1 412	37	-	-74	-100,0%
up to 3 years	2 079	15 507	2 329	4 502	2 423	116,5%
Securities issued	74 197	80 436	1 878	2 526	-71 671	-96,6%
Promissory notes	74 197	80 436	1 878	2 526	-71 671	-96,6%
on demand	33 085	18 404	698	1 326	-31 759	-96,0%
up to 180 days	31 112	42 808	-	-	-31 112	-100,0%
up to 3 years	10 000	19 224	1 180	1 200	-8 800	-88,0%
Other liabilities	55 120 107	52 235 761	40 135 496	46 242 067	-8 878 040	-16,1%
Other liabilities	55 026 264	52 216 751	40 034 763	46 191 401	-8 834 863	-16,1%
Accrued interest not yet paid	58 459	19 010	100 733	50 666	-7 793	-13,3%
Liabilities past-due	-	-	-	-	-	-
Deferred tax liabilities	35 384	-	-	-	-35 384	-100,0%
EQUITY	1 076 354	15 863 859	24 553 808	27 858 548	26 782 194	2 488,2%
Capital	-	24 252	-	106	106	-
Profit from previous years	-	-	11 999 344	26 416 395	26 416 395	-
Retained earnings from previous years	-	-	11 999 344	26 416 395	26 416 395	-
Current year profit	1 076 241	15 837 815	12 554 462	1 442 039	365 798	34,0%
Current year retained earnings	1 076 241	15 837 815	12 554 462	1 442 039	365 798	34,0%
Future expenses	113	1 792	2	8	-105	-92,9%
OFF-BALANCE SHEET	666 812	9 704 140	953 428	2 073 056	1 406 244	210,9%
Contingent liabilities	422 030	1 040 366	479 303	491 973	69 943	16,6%
Guarantees issued	25 211	112 108	140 377	34 992	9 781	38,8%
Unused credit limits opened	396 819	924 951	338 926	456 981	60 162	15,2%
Unused guarantee limits	-	3 307	-	-	-	-
Collateral on loans	214 231	6 978 327	385 740	815 807	601 576	280,8%
goods	214 231	6 978 327	385 740	814 607	600 376	280,2%
securities	-	-	-	1 200	1 200	-
Unprocessed payments	26 622	1 675 730	83 880	756 750	730 128	2 742,6%
Due to lack of funds on client accounts	26 622	1 675 730	83 880	756 750	730 128	2 742,6%
Other off-balance sheet accounts	3 929	9 717	4 505	8 526	4 597	117,0%
Accrued interest not yet received	3 929	9 717	4 505	8 526	4 597	117,0%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	878	821	1 313	1 098	220	25,1%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-