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

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	NALCHIK	add to comparison
Central Bank of Russia registration number: 695

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	9 054 144	11 816 128	10 440 583	10 269 070	1 214 926	13,4%
High liquid assets	4 922 524	6 213 001	5 590 423	5 352 436	429 912	8,7%
Cash and equivalents	4 714 062	6 021 929	5 363 960	5 217 989	503 927	10,7%
Cash	201 432	192 509	210 690	136 502	-64 930	-32,2%
in cash and en route	199 331	190 277	208 068	134 044	-65 287	-32,8%
in ATMs	2 101	2 232	2 622	2 458	357	17,0%
Nostro account with Central Bank	4 512 630	5 829 420	5 153 270	5 081 487	568 857	12,6%
Nostro accounts	167 915	145 719	180 627	100 450	-67 465	-40,2%
Residents	167 915	145 719	180 627	100 450	-67 465	-40,2%
Money in transfer	40 493	45 294	45 626	33 855	-6 638	-16,4%
Provision for impairment of high-liquid assets	54	59	210	142	88	163,0%
Interest-earning assets	4 101 351	5 556 778	4 764 636	4 893 131	791 780	19,3%
Dues from banks	4 094 098	5 540 092	4 686 042	4 883 093	788 995	19,3%
Central Bank of Russia	1 574 000	1 355 000	2 348 000	1 005 000	-569 000	-36,1%
Residents	2 520 000	4 185 000	2 338 000	3 878 000	1 358 000	53,9%
up to 30 days	2 520 000	4 185 000	2 338 000	3 878 000	1 358 000	53,9%
Provision for impairment of loans to banks	98	92	42	93	-5	-5,1%
Loans to corporate clients	5 259	10 184	72 012	2 935	-2 324	-44,2%
residents	2 398	8 671	53 119	169	-2 229	-93,0%
up to 1 year	-	-	1 336	-	-	-
up to 3 years	2 398	3 671	10 434	169	-2 229	-93,0%
more than 3 years	-	5 000	41 349	-	-	-
Past-due	315	481	246	143	-172	-54,6%
residents	315	481	246	143	-172	-54,6%
Provision for impairment of corporate loans	2 546	1 032	18 647	2 623	77	3,0%
residents	2 546	1 032	18 647	2 623	77	3,0%
Loans to private entrepreneurs	106	5 169	1 054	5 084	4 978	4 696,2%
up to 3 years	-	5 000	-	-	-	-
more than 3 years	-	-	-	5 000	5 000	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	106	169	1 054	84	-22	-20,8%
Loans to individuals	1 888	1 333	5 528	2 019	131	6,9%
Standard	500	266	2 805	1 104	604	120,8%
up to 3 years	200	266	35	104	-96	-48,0%
more than 3 years	300	-	2 770	1 000	700	233,3%
Past-due	446	320	220	252	-194	-43,5%
Past-due	446	320	220	252	-194	-43,5%
Provision for impairment of loans to individuals	942	747	2 503	663	-279	-29,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	30 269	46 349	85 524	23 503	-6 766	-22,4%
Mandatory reserves with Central Bank	-	-	-	29	29	-
Premises and equipment	2 842	130	24 745	104	-2 738	-96,3%
Purchase cost	2 842	130	24 745	104	-2 738	-96,3%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	6 814	6 798	7 386	7 725	911	13,4%
Other assets	16 557	35 548	28 236	13 889	-2 668	-16,1%
Provision for impairment of other assets	4 056	3 873	25 157	1 756	-2 300	-56,7%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	950 676	852 965	1 082 418	424 035	-526 641	-55,4%
Dues to banks	103 949	89 582	153 033	31 585	-72 364	-69,6%
Other dues to banks	103 949	89 582	153 033	31 585	-72 364	-69,6%
On demand	581 898	513 391	683 029	282 340	-299 558	-51,5%
Corporate clients	496 762	394 606	563 381	252 135	-244 627	-49,2%
State-owned enterprises	7 247	3 169	11 630	3 621	-3 626	-50,0%
Residents	463 432	371 390	531 177	236 683	-226 749	-48,9%
Non-residents	26 083	20 047	20 574	11 831	-14 252	-54,6%
Individuals	85 136	118 785	119 648	30 205	-54 931	-64,5%
Residents	85 136	118 785	119 648	30 141	-54 995	-64,6%
Non-residents	-	-	-	64	64	-
Term	111 832	137 781	95 689	35 969	-75 863	-67,8%
Corporate clients	-	19 700	-	-	-	-
Residents	-	19 700	-	-	-	-
up to 180 days	-	14 700	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	5 000	-	-	-	-
Individuals	111 832	118 081	95 689	35 969	-75 863	-67,8%
residents	111 832	118 081	95 689	35 969	-75 863	-67,8%
up to 180 days	103 142	98 966	79 895	20 062	-83 080	-80,5%
up to 1 year	62	11 022	2 470	6 361	6 299	10 159,7%
up to 3 years	3 612	3 016	10 410	3 776	164	4,5%
more than 3 years	5 016	5 077	2 914	5 770	754	15,0%
Other liabilities	152 997	112 211	150 667	74 141	-78 856	-51,5%
Other liabilities	150 897	110 075	148 849	73 463	-77 434	-51,3%
Accrued interest not yet paid	2 100	2 136	1 818	678	-1 422	-67,7%
EQUITY	19 321	15 587	70 526	1 458 506	1 439 185	7 448,8%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	698 057	698 057	-
Retained earnings from previous years	-	-	-	698 057	698 057	-
Current year profit	19 321	15 587	70 526	760 449	741 128	3 835,9%
Current year retained earnings	19 321	15 587	70 526	760 449	741 128	3 835,9%
OFF-BALANCE SHEET	5 532	35 024	40 805	27 390	21 858	395,1%
Contingent liabilities	2 599	3 745	12 027	5 243	2 644	101,7%
Unused credit limits opened	2 599	3 745	12 027	5 243	2 644	101,7%
Collateral on loans	1 263	-	15 450	20 680	19 417	1 537,4%
goods	1 263	-	15 450	20 680	19 417	1 537,4%
Unprocessed payments	1 670	31 279	13 328	1 467	-203	-12,2%
Due to lack of funds on client accounts	1 670	31 279	13 328	1 467	-203	-12,2%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-