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

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	MESTNIY KREDIT	add to comparison
Central Bank of Russia registration number: 3370

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.	01.03.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 006 411	9 131 059	1 022 625	9,1	8,9	16 214	1,6%
High liquid assets	290 434	8 785 411	354 681	30,2	8,6	64 247	22,1%
Cash and equivalents	272 934	8 770 996	339 113	32,1	8,6	66 179	24,2%
Cash	101 062	282 319	98 637	2,8	0,3	-2 425	-2,4%
in cash and en route	101 062	282 319	98 637	2,8	0,3	-2 425	-2,4%
Nostro account with Central Bank	171 872	8 491 102	240 476	49,4	8,3	68 604	39,9%
Nostro accounts	10 120	13 169	8 268	1,3	0,0	-1 852	-18,3%
Non-residents	194	10	192	0,1	0,0	-2	-1,0%
Residents	9 926	13 159	8 076	1,3	0,0	-1 850	-18,6%
Money in transfer	7 380	3 178	7 300	0,4	0,0	-80	-1,1%
Interest-earning assets	693 437	260 624	646 217	0,4	0,3	-47 220	-6,8%
Dues from banks	-	121 000	20 000	-	-	20 000	-
Residents	-	121 000	20 000	-	-	20 000	-
up to 30 days	-	121 000	20 000	-	-	20 000	-
Securities	143 925	81 884	142 572	0,6	0,1	-1 353	-0,9%
Bonds	47 795	2 016	46 050	0,0	0,0	-1 745	-3,7%
Federal Loan Bonds (OFZs), OBRs	53 114	484	52 901	0,0	0,0	-213	-0,4%
Valuation allowance	-5 319	1 532	-6 851	0,3	0,0	-1 532	28,8%
Promissory notes	96 130	80 260	96 522	0,8	0,1	392	0,4%
Banks	96 130	80 260	96 522	0,8	0,1	392	0,4%
Loans to corporate clients	541 508	77 300	476 007	0,1	0,1	-65 501	-12,1%
residents	615 834	57 300	558 534	0,1	0,1	-57 300	-9,3%
up to 1 year	463 534	50 000	413 534	0,1	0,0	-50 000	-10,8%
up to 3 years	145 000	-	145 000	0,0	0,0	-	0,0%
more than 3 years	7 300	7 300	-	1,0	0,0	-7 300	-100,0%
Provision for impairment of corporate loans	-74 326	20 000	-82 527	0,3	0,0	-8 201	11,0%
residents	-74 326	20 000	-82 527	0,3	0,0	-8 201	11,0%
Loans to individuals	8 004	440	7 638	0,1	0,0	-366	-4,6%
Standard	9 709	405	9 304	0,0	0,0	-405	-4,2%
up to 1 year	695	12	683	0,0	0,0	-12	-1,7%
up to 3 years	2 668	225	2 443	0,1	0,0	-225	-8,4%
more than 3 years	6 346	168	6 178	0,0	0,0	-168	-2,6%
Past-due	3 996	32	4 012	0,0	0,0	16	0,4%
Past-due	3 996	32	4 012	0,0	0,0	16	0,4%
Provision for impairment of loans to individuals	-5 701	42	-5 678	0,0	0,0	23	-0,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	22 540	133 057	21 727	5,9	0,1	-813	-3,6%
Mandatory reserves with Central Bank	22 823	2 948	19 918	0,1	0,0	-2 905	-12,7%
Premises and equipment	1 952	50 104	1 954	25,7	0,0	2	0,1%
Purchase cost	8 324	50 104	8 339	6,0	0,0	15	0,2%
Depreciation	-6 372	13	-6 385	0,0	0,0	-13	0,2%
Accrued interest not yet received	1	5 264	15	5 264,0	0,0	14	1 400,0%
Other assets	4 144	74 614	4 263	18,0	0,1	119	2,9%
Provision for impairment of other assets	-6 380	2 219	-4 423	0,3	0,0	1 957	-30,7%
LIABILITIES	771 509	8 971 149	795 907	11,6	8,8	24 398	3,2%
Dues to banks	126 000	1 199 000	157 000	9,5	1,2	31 000	24,6%
Term	126 000	1 199 000	157 000	9,5	1,2	31 000	24,6%
Residents	126 000	1 199 000	157 000	9,5	1,2	31 000	24,6%
up to 30 days	126 000	1 199 000	157 000	9,5	1,2	31 000	24,6%
On demand	552 453	7 670 457	554 855	13,9	7,5	2 402	0,4%
Corporate clients	551 752	7 670 457	554 154	13,9	7,5	2 402	0,4%
Residents	551 088	7 666 557	553 874	13,9	7,5	2 786	0,5%
Non-residents	664	4 284	280	6,5	0,0	-384	-57,8%
Individuals	701	-	701	0,0	0,0	-	0,0%
Residents	138	-	138	0,0	0,0	-	0,0%
Non-residents	563	-	563	0,0	0,0	-	0,0%
Term	66 641	6 353	61 371	0,1	0,0	-5 270	-7,9%
Corporate clients	66 641	6 353	61 371	0,1	0,0	-5 270	-7,9%
Residents	66 641	6 353	61 371	0,1	0,0	-5 270	-7,9%
up to 180 days	27 000	5 000	22 000	0,2	0,0	-5 000	-18,5%
up to 1 year	11 527	77	11 512	0,0	0,0	-15	-0,1%
up to 3 years	2 830	-	2 830	0,0	0,0	-	0,0%
more than 3 years	25 284	1 276	25 029	0,1	0,0	-255	-1,0%
Securities issued	17 695	-	17 695	0,0	0,0	-	0,0%
Promissory notes	17 695	-	17 695	0,0	0,0	-	0,0%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	16 900	-	16 900	0,0	0,0	-	0,0%
up to 3 years	795	-	795	0,0	0,0	-	0,0%
Discount accrued	-	-	-	-	-	-	-
Other liabilities	8 720	104 343	4 986	12,0	0,1	-3 734	-42,8%
Other liabilities	8 110	103 487	4 186	12,8	0,1	-3 924	-48,4%
Accrued interest not yet paid	610	1 046	800	1,7	0,0	190	31,1%
EQUITY	234 902	673 263	226 718	2,9	0,7	-8 184	-3,5%
Capital	219 426	1 532	217 894	0,0	0,0	-1 532	-0,7%
Profit from previous years	14 235	638 696	11 832	44,9	0,6	-2 403	-16,9%
Retained earnings from previous years	14 235	638 696	11 832	44,9	0,6	-2 403	-16,9%
Current year profit	5 561	32 714	1 383	5,9	0,0	-4 178	-75,1%
Current year retained earnings	5 561	32 714	1 383	5,9	0,0	-4 178	-75,1%
Future expenses	-4 320	321	-4 391	0,1	0,0	-71	1,6%
OFF-BALANCE SHEET	686 033	76 692	617 330	0,1	0,1	-68 703	-10,0%
Contingent liabilities	-17 554	3 981	-13 635	0,2	0,0	3 919	-22,3%
Guarantees issued	-17 088	3 981	-13 169	0,2	0,0	3 919	-22,9%
Unused credit limits opened	-466	-	-466	0,0	0,0	-	0,0%
Collateral on loans	720 083	72 644	647 439	0,1	0,1	-72 644	-10,1%
goods	719 288	72 644	646 644	0,1	0,1	-72 644	-10,1%
securities	795	-	795	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-16 496	67	-16 474	0,0	0,0	22	-0,1%
Accrued interest not yet received	368	67	390	0,2	0,0	22	6,0%
Written-off interest	-556	-	-556	0,0	0,0	-	0,0%
Written-off loans	-16 308	-	-16 308	0,0	0,0	-	0,0%
Past due ratio, total	63	-	70	0,0	0,0	7	11,1%
Past due ratio, individuals	2 916	-	3 013	0,0	0,0	97	3,3%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	1 081 092	-	1 008 799	0,0	0,0	-72 293	-6,7%