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

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	ENISEY	add to comparison
Central Bank of Russia registration number: 474 retail lending, 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	630 133 110	435 419 699	416 017 059	289 408 113	-340 724 997	-54,1%
High liquid assets	49 500 432	41 075 465	22 665 609	19 362 281	-30 138 151	-60,9%
Cash and equivalents	6 210 880	6 177 467	6 060 712	7 528 444	1 317 564	21,2%
Cash	2 166 497	2 510 970	2 664 669	5 510 593	3 344 096	154,4%
in cash and en route	2 143 705	2 485 352	2 644 892	5 499 508	3 355 803	156,5%
in ATMs	22 792	25 618	19 777	11 085	-11 707	-51,4%
Nostro account with Central Bank	4 044 383	3 666 497	3 396 043	2 017 851	-2 026 532	-50,1%
Nostro accounts	514 078	525 504	834 147	629 539	115 461	22,5%
Residents	514 078	525 504	834 147	629 539	115 461	22,5%
Money in transfer	1 494 772	7 749 540	3 542 844	627 732	-867 040	-58,0%
Exchange accounts	41 278 671	26 622 753	12 226 950	10 576 368	-30 702 303	-74,4%
Provision for impairment of high-liquid assets	2 031	201	956	198	-1 833	-90,3%
Interest-earning assets	89 297 979	54 086 972	26 475 096	22 585 610	-66 712 369	-74,7%
Dues from banks	464	472 335	79 375	285	-179	-38,6%
Residents	439	471 870	79 369	267	-172	-39,2%
up to 30 days	439	471 870	50 209	267	-172	-39,2%
more than 180 days	-	-	29 160	-	-	-
Non-residents	1	-	-	-	-1	-100,0%
up to 30 days	1	-	-	-	-1	-100,0%
Provision for impairment of loans to banks	24	465	6	18	-6	-25,0%
Securities	89 040 229	53 269 909	25 649 107	21 362 201	-67 678 028	-76,0%
Bonds	89 040 229	53 269 909	25 527 307	21 362 201	-67 678 028	-76,0%
Federal Loan Bonds (OFZs), OBRs	31 085 185	23 595 599	9 374 565	9 712 795	-21 372 390	-68,8%
Financial institutions bonds	13 703 177	3 536 945	3 555 849	1 075 675	-12 627 502	-92,2%
Valuation allowance	17 252	22 373	28 546	10 543	-6 709	-38,9%
Pledged under REPO	44 234 615	26 114 992	12 568 347	10 563 188	-33 671 427	-76,1%
Promissory notes	-	-	121 800	-	-	-
Banks	-	-	121 800	-	-	-
Loans to corporate clients	48 545	196 316	527 031	1 046 230	997 685	2 055,2%
residents	26 761	172 517	486 552	847 565	820 804	3 067,2%
up to 30 days	2 586	4 187	2 220	4 225	1 639	63,4%
up to 180 days	20 437	-	-	8 501	-11 936	-58,4%
up to 1 year	3 000	1 500	164 851	697 125	694 125	23 137,5%
up to 3 years	-	165 500	319 000	137 347	137 347	-
more than 3 years	738	1 330	481	367	-371	-50,3%
Past-due	8 500	-	-	-	-8 500	-100,0%
residents	8 500	-	-	-	-8 500	-100,0%
Provision for impairment of corporate loans	13 284	23 799	40 479	198 665	185 381	1 395,5%
residents	13 284	23 799	40 479	198 665	185 381	1 395,5%
Loans to private entrepreneurs	43	190	166	247	204	474,4%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	234	234	-
Past-due	30	105	135	-	-30	-100,0%
Provision for impairment of loans to private entrepreneurs	13	85	31	13	-	0,0%
Loans to individuals	208 698	148 222	219 417	176 647	-32 051	-15,4%
Standard	165 794	21 527	197 499	95 128	-70 666	-42,6%
up to 30 days	1 794	2 744	6 054	4 028	2 234	124,5%
up to 180 days	114 000	10 000	-	70 000	-44 000	-38,6%
up to 1 year	-	-	20 000	-	-	-
up to 3 years	-	7 643	130 360	-	-	-
more than 3 years	50 000	1 140	41 085	21 100	-28 900	-57,8%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	9 885	9 415	7 474	7 542	-2 343	-23,7%
Past-due	9 885	9 415	7 474	7 542	-2 343	-23,7%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	33 019	117 280	14 444	73 977	40 958	124,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	491 334 699	340 257 262	366 876 354	247 460 222	-243 874 477	-49,6%
Mandatory reserves with Central Bank	1 464	922	-	682	-782	-53,4%
Premises and equipment	1 336 115	2 162 376	4 401 714	1 844 762	508 647	38,1%
Purchase cost	1 336 115	2 162 376	4 397 636	1 836 585	500 470	37,5%
Depreciation	-	-	4 078	8 177	8 177	-
Accrued interest not yet received	89 533	70 877	73 527	76 247	-13 286	-14,8%
Other assets	489 717 034	337 734 042	362 177 771	245 260 346	-244 456 688	-49,9%
Provision for impairment of other assets	142 906	288 238	223 057	277 740	134 834	94,4%
Derivatives - assets	47 647	807	285	445	-47 202	-99,1%
LIABILITIES	573 476 112	388 210 879	392 309 102	268 231 443	-305 244 669	-53,2%
Dues to banks	42 290 540	26 229 374	11 728 605	10 461 787	-31 828 753	-75,3%
On demand	32 225	85 295	66 763	34 408	2 183	6,8%
Residents	30 917	85 295	66 763	34 408	3 491	11,3%
Non-residents	1 308	-	-	-	-1 308	-100,0%
Term	42 258 315	26 144 079	11 661 842	10 344 713	-31 913 602	-75,5%
Central Bank of Russia	41 692 867	26 138 307	11 079 876	10 343 143	-31 349 724	-75,2%
other	41 692 867	26 138 307	11 079 876	10 343 143	-31 349 724	-75,2%
Residents	561 000	-	574 337	-	-561 000	-100,0%
up to 30 days	561 000	-	574 337	-	-561 000	-100,0%
Non-residents	4 448	5 772	7 629	1 570	-2 878	-64,7%
more than 180 days	4 448	5 772	7 629	1 570	-2 878	-64,7%
Other dues to banks	-	-	-	82 666	82 666	-
On demand	3 622 413	5 170 100	16 127 035	14 044 854	10 422 441	287,7%
Corporate clients	2 900 663	3 582 151	14 788 995	9 489 518	6 588 855	227,1%
State-owned enterprises	18 097	762	714	226	-17 871	-98,8%
Residents	2 817 924	3 529 927	11 345 371	3 355 267	537 343	19,1%
Non-residents	64 642	51 462	3 442 910	6 134 025	6 069 383	9 389,2%
Individuals	721 465	1 121 299	1 141 786	4 554 831	3 833 366	531,3%
Residents	719 625	1 120 380	1 139 901	1 915 374	1 195 749	166,2%
Non-residents	1 840	919	1 885	2 639 457	2 637 617	143 348,8%
Brokerage accounts	285	466 650	196 254	505	220	77,2%
Residents	285	466 650	196 254	505	220	77,2%
Term	780 916	743 081	836 274	3 492 746	2 711 830	347,3%
Corporate clients	480 350	58 808	75 384	2 600 698	2 120 348	441,4%
Residents	480 350	58 801	75 384	75 698	-404 652	-84,2%
up to 30 days	31 000	-	-	-	-31 000	-100,0%
up to 180 days	70	-	19 726	39 859	39 789	56 841,4%
up to 1 year	135 090	73	708	7 706	-127 384	-94,3%
up to 3 years	241 990	57 928	37 550	24 150	-217 840	-90,0%
more than 3 years	72 200	800	17 400	3 983	-68 217	-94,5%
Non-residents	-	7	-	2 525 000	2 525 000	-
up to 30 days	-	-	-	2 525 000	2 525 000	-
up to 1 year	-	7	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	300 566	684 273	760 890	892 048	591 482	196,8%
residents	297 866	683 269	760 890	890 948	593 082	199,1%
up to 30 days	13	-	-	-	-13	-100,0%
up to 180 days	19 151	22 042	51 560	150 291	131 140	684,8%
up to 1 year	233 452	474 868	565 440	532 747	299 295	128,2%
up to 3 years	45 067	186 279	142 890	207 117	162 050	359,6%
more than 3 years	183	80	1 000	793	610	333,3%
non-residents	2 700	1 004	-	1 100	-1 600	-59,3%
up to 180 days	600	-	-	-	-600	-100,0%
up to 1 year	1 100	504	-	1 100	-	0,0%
up to 3 years	1 000	500	-	-	-1 000	-100,0%
Securities issued	12 707	-	13	195 285	182 578	1 436,8%
Promissory notes	12 707	-	13	195 285	182 578	1 436,8%
on demand	8 162	-	-	119 244	111 082	1 361,0%
up to 30 days	-	-	-	68 500	68 500	-
up to 1 year	-	-	13	2 001	2 001	-
up to 3 years	4 545	-	-	5 540	995	21,9%
Other liabilities	526 769 536	356 068 324	363 617 175	240 036 771	-286 732 765	-54,4%
Other liabilities	526 727 647	356 003 216	363 544 155	239 945 351	-286 782 296	-54,4%
Accrued interest not yet paid	37 674	54 620	62 183	62 324	24 650	65,4%
Liabilities past-due	-	-	-	-	-	-
Derivatives - liabilities	4 215	10 468	10 837	29 096	24 881	590,3%
Deferred tax liabilities	-	20	-	-	-	-
EQUITY	1 282 532	1 443 546	1 682 257	51 938 143	50 655 611	3 949,7%
Capital	10 670	18 986	10 680	28 392	17 722	166,1%
Profit from previous years	-	-	-	25 300 977	25 300 977	-
Retained earnings from previous years	-	-	-	25 300 977	25 300 977	-
Current year profit	1 271 707	1 424 191	1 641 290	26 608 233	25 336 526	1 992,3%
Current year retained earnings	1 271 707	1 424 191	1 641 290	26 608 233	25 336 526	1 992,3%
Future expenses	155	369	30 287	541	386	249,0%
OFF-BALANCE SHEET	2 426 899	1 035 114	1 262 748	2 835 277	408 378	16,8%
Contingent liabilities	555 887	478 645	510 479	522 533	-33 354	-6,0%
Guarantees issued	434 433	49 842	165 023	423 240	-11 193	-2,6%
Unused credit limits opened	121 454	428 803	345 456	99 293	-22 161	-18,2%
Collateral on loans	1 827 873	482 532	624 524	2 108 786	280 913	15,4%
goods	692 068	312 889	392 225	1 226 926	534 858	77,3%
securities	1 135 805	169 643	232 299	881 860	-253 945	-22,4%
Unprocessed payments	38 293	66 500	121 629	195 679	157 386	411,0%
Due to lack of funds in bank	-	-	-	82 666	82 666	-
Due to lack of funds on client accounts	38 293	66 500	121 629	113 013	74 720	195,1%
Other off-balance sheet accounts	4 846	7 437	6 116	8 279	3 433	70,8%
Accrued interest not yet received	4 682	7 043	5 847	8 138	3 456	73,8%
Written-off interest	47	113	59	40	-7	-14,9%
Written-off loans	117	281	210	101	-16	-13,7%
Credit card balances	1 794	2 744	6 054	4 028	2 234	124,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-