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

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	OBEDINENNIY BANK RESPUBLIKI	add to comparison
Central Bank of Russia registration number: 1016 retail funding

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	747 073	3 359 505	765 167	4,5	4,4	18 094	2,4%
High liquid assets	17 927	1 736 177	20 024	96,8	2,3	2 097	11,7%
Cash and equivalents	17 927	1 736 177	20 024	96,8	2,3	2 097	11,7%
Cash	13 122	34 044	18 372	2,6	0,0	5 250	40,0%
in cash and en route	13 122	34 044	18 372	2,6	0,0	5 250	40,0%
Nostro account with Central Bank	4 805	1 705 286	1 652	354,9	2,2	-3 153	-65,6%
Interest-earning assets	653 540	1 605 234	672 815	2,5	2,1	19 275	2,9%
Dues from banks	361 000	1 601 660	384 660	4,4	2,1	23 660	6,6%
Central Bank of Russia	361 000	1 601 660	384 660	4,4	2,1	23 660	6,6%
Securities	105 362	3 547	104 071	0,0	0,0	-1 291	-1,2%
Bonds	81 610	2 254	81 840	0,0	0,0	230	0,3%
Federal Loan Bonds (OFZs), OBRs	28 523	1 259	29 363	0,0	0,0	840	2,9%
Corporate bonds	49 872	971	50 595	0,0	0,0	723	1,4%
Valuation allowance	3 215	1 357	1 882	0,4	0,0	-1 333	-41,5%
Stocks	23 752	1 523	22 231	0,1	0,0	-1 521	-6,4%
Residents	22 235	-	22 235	0,0	0,0	-	0,0%
Valuation allowance	1 517	1 523	-4	1,0	0,0	-1 521	-100,3%
Loans to corporate clients	97 262	2 707	94 829	0,0	0,0	-2 433	-2,5%
residents	100 968	2 695	98 273	0,0	0,0	-2 695	-2,7%
up to 1 year	69 808	819	68 989	0,0	0,0	-819	-1,2%
up to 3 years	31 160	1 876	29 284	0,1	0,0	-1 876	-6,0%
Past-due	1 867	27	1 894	0,0	0,0	27	1,4%
residents	1 867	27	1 894	0,0	0,0	27	1,4%
Provision for impairment of corporate loans	-5 573	259	-5 338	0,0	0,0	235	-4,2%
residents	-5 573	259	-5 338	0,0	0,0	235	-4,2%
Loans to private entrepreneurs	3 960	139	3 960	0,0	0,0	-	0,0%
up to 1 year	4 000	-	4 000	0,0	0,0	-	0,0%
up to 3 years	1 664	139	1 525	0,1	0,0	-139	-8,4%
Provision for impairment of loans to private entrepreneurs	-1 704	139	-1 565	0,1	0,0	139	-8,2%
Loans to individuals	85 956	1 566	85 295	0,0	0,0	-661	-0,8%
Standard	90 800	1 298	89 722	0,0	0,0	-1 078	-1,2%
up to 1 year	18 110	57	18 053	0,0	0,0	-57	-0,3%
up to 3 years	31 489	689	31 020	0,0	0,0	-469	-1,5%
more than 3 years	41 201	552	40 649	0,0	0,0	-552	-1,3%
Past-due	26 793	252	26 896	0,0	0,0	103	0,4%
Past-due	26 793	252	26 896	0,0	0,0	103	0,4%
Provision for impairment of loans to individuals	-31 637	421	-31 323	0,0	0,0	314	-1,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	75 606	21 372	72 328	0,3	0,0	-3 278	-4,3%
Mandatory reserves with Central Bank	504	4	500	0,0	0,0	-4	-0,8%
Premises and equipment	53 521	654	53 550	0,0	0,0	29	0,1%
Purchase cost	103 187	654	103 521	0,0	0,0	334	0,3%
Depreciation	-49 666	305	-49 971	0,0	0,0	-305	0,6%
Accrued interest not yet received	1 021	4 972	1 359	4,9	0,0	338	33,1%
Other assets	63 026	15 939	59 397	0,3	0,0	-3 629	-5,8%
Provision for impairment of other assets	-42 466	170	-42 478	0,0	0,0	-12	0,0%
LIABILITIES	422 447	251 067	441 621	0,6	0,3	19 174	4,5%
On demand	71 905	189 061	106 925	2,6	0,2	35 020	48,7%
Corporate clients	65 956	188 768	104 443	2,9	0,2	38 487	58,4%
Residents	65 956	188 768	104 443	2,9	0,2	38 487	58,4%
Individuals	5 949	3 760	2 482	0,6	0,0	-3 467	-58,3%
Residents	5 949	3 760	2 482	0,6	0,0	-3 467	-58,3%
Term	342 219	69 662	325 212	0,2	0,1	-17 007	-5,0%
Corporate clients	144 374	66 735	121 546	0,5	0,1	-22 828	-15,8%
Residents	144 374	66 735	121 546	0,5	0,1	-22 828	-15,8%
up to 30 days	40 800	40 800	25 200	1,0	0,1	-15 600	-38,2%
up to 180 days	23 086	23 086	17 000	1,0	0,0	-6 086	-26,4%
up to 1 year	2 200	2 200	-	1,0	0,0	-2 200	-100,0%
more than 3 years	78 288	1 707	79 346	0,0	0,0	1 058	1,4%
Individuals	197 845	8 748	203 666	0,0	0,0	5 821	2,9%
residents	197 845	8 748	203 666	0,0	0,0	5 821	2,9%
up to 180 days	137 201	5 979	141 351	0,0	0,0	4 150	3,0%
up to 1 year	22 318	625	21 790	0,0	0,0	-528	-2,4%
up to 3 years	3	-	3	0,0	0,0	-	0,0%
more than 3 years	38 323	2 672	40 522	0,1	0,0	2 199	5,7%
Securities issued	4 224	-	4 224	0,0	0,0	-	0,0%
Promissory notes	4 224	-	4 224	0,0	0,0	-	0,0%
up to 180 days	2 000	-	2 000	0,0	0,0	-	0,0%
up to 1 year	2 224	-	2 224	0,0	0,0	-	0,0%
Other liabilities	4 099	9 351	5 260	2,3	0,0	1 161	28,3%
Other liabilities	1 301	6 363	2 562	4,9	0,0	1 261	96,9%
Accrued interest not yet paid	861	1 977	730	2,3	0,0	-131	-15,2%
Liabilities past-due	255	1 142	286	4,5	0,0	31	12,2%
Deferred tax liabilities	1 682	-	1 682	0,0	0,0	-	0,0%
EQUITY	324 626	338 409	323 546	1,0	0,4	-1 080	-0,3%
Capital	279 869	12 229	279 869	0,0	0,0	-	0,0%
Profit from previous years	41 474	159 347	44 240	3,8	0,2	2 766	6,7%
Retained earnings from previous years	41 474	159 347	44 240	3,8	0,2	2 766	6,7%
Current year profit	3 283	169 599	-563	51,7	0,2	-3 846	-117,1%
Current year retained earnings	3 283	169 599	-563	51,7	0,2	-3 846	-117,1%
OFF-BALANCE SHEET	468 115	7 324	473 623	0,0	0,0	5 508	1,2%
Contingent liabilities	-15 811	95	-15 871	0,0	0,0	-60	0,4%
Guarantees issued	-4 224	-	-4 224	0,0	0,0	-	0,0%
Unused credit limits opened	-11 587	95	-11 647	0,0	0,0	-60	0,5%
Collateral on loans	467 742	7 166	473 342	0,0	0,0	5 600	1,2%
goods	467 742	7 166	473 342	0,0	0,0	5 600	1,2%
Unprocessed payments	20 237	63	20 205	0,0	0,0	-32	-0,2%
Due to lack of funds on client accounts	20 237	63	20 205	0,0	0,0	-32	-0,2%
Other off-balance sheet accounts	-4 053	-	-4 053	0,0	0,0	-	0,0%
Written-off interest	-2 229	-	-2 229	0,0	0,0	-	0,0%
Written-off loans	-1 824	-	-1 824	0,0	0,0	-	0,0%
Past due ratio, total	1 268	-	1 295	0,0	0,0	27	2,1%
Past due ratio, individuals	2 278	-	2 306	0,0	0,0	28	1,2%
Past due ratio, corporates	182	-	189	0,0	0,0	7	3,8%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	172	-	179	0,0	0,0	7	4,1%
Risk-weighted assets	622 996	-	608 748	0,0	0,0	-14 248	-2,3%