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

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	VERHNEVOLZHSKIY	add to comparison
Central Bank of Russia registration number: 1084 retail lending, 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.


Turnover by thous. rub.					Period change
ASSETS	33 846 590	40 957 228	47 535 827	38 082 181	4 235 591	12,5%
High liquid assets	14 800 536	20 086 149	23 405 426	18 229 962	3 429 426	23,2%
Cash and equivalents	14 120 595	19 485 583	21 559 335	14 633 286	512 691	3,6%
Cash	6 387 742	5 141 224	5 381 082	5 532 527	-855 215	-13,4%
in cash and en route	6 350 757	5 075 019	5 336 482	5 481 585	-869 172	-13,7%
in ATMs	36 985	66 205	44 600	50 942	13 957	37,7%
Nostro account with Central Bank	7 732 853	14 344 359	16 178 253	9 100 759	1 367 906	17,7%
Nostro accounts	515 235	364 209	1 573 170	3 298 149	2 782 914	540,1%
Residents	515 235	364 209	1 573 170	3 298 149	2 782 914	540,1%
Money in transfer	164 706	234 776	272 909	296 626	131 920	80,1%
Provision for impairment of high-liquid assets	-	1 581	12	1 901	1 901	-
Interest-earning assets	4 659 665	10 919 949	14 721 326	8 414 119	3 754 454	80,6%
Dues from banks	4 050 577	9 638 508	12 902 700	7 565 000	3 514 423	86,8%
Residents	4 050 577	9 610 808	12 895 000	7 565 000	3 514 423	86,8%
up to 30 days	4 040 000	9 610 000	12 895 000	7 565 000	3 525 000	87,3%
up to 180 days	10 577	808	-	-	-10 577	-100,0%
Provision for impairment of loans to banks	-	27 700	7 700	-	-	-
Securities	62 114	176 067	438 160	344 043	281 929	453,9%
Bonds	285	52 717	72 293	344 043	343 758	120 616,8%
Corporate bonds	3	-	-	-	-3	-100,0%
Financial institutions bonds	-	52 717	72 272	342 475	342 475	-
Valuation allowance	282	-	-	-	-282	-100,0%
Provision for impairment of bonds	-	-	21	1 568	1 568	-
Promissory notes	61 829	123 098	365 867	-	-61 829	-100,0%
Banks	61 829	123 098	365 867	-	-61 829	-100,0%
Stocks	-	252	-	-	-	-
Residents	-	-	-	-	-	-
Valuation allowance	-	252	-	-	-	-
Loans to corporate clients	483 021	690 738	545 705	415 543	-67 478	-14,0%
residents	453 164	582 364	512 095	354 095	-99 069	-21,9%
up to 30 days	44 943	75 686	67 800	84 565	39 622	88,2%
up to 180 days	25 165	129 452	127 403	61 996	36 831	146,4%
up to 1 year	192 955	292 438	217 148	124 245	-68 710	-35,6%
up to 3 years	190 101	82 088	98 444	80 289	-109 812	-57,8%
more than 3 years	-	2 700	1 300	3 000	3 000	-
state-owned enterprises	-	-	3 311	10 000	10 000	-
up to 3 years	-	-	3 311	10 000	10 000	-
Past-due	11 070	60 515	18 100	19 528	8 458	76,4%
residents	11 070	60 515	18 100	19 528	8 458	76,4%
Provision for impairment of corporate loans	18 787	47 859	12 199	31 920	13 133	69,9%
residents	18 787	47 859	12 186	31 920	13 133	69,9%
state-owned enterprises	-	-	13	-	-	-
Loans to private entrepreneurs	8 249	14 048	19 322	24 282	16 033	194,4%
up to 30 days	995	1 923	2 365	3 134	2 139	215,0%
up to 180 days	5 936	7 384	8 904	11 725	5 789	97,5%
up to 1 year	300	-	-	6 300	6 000	2 000,0%
up to 3 years	-	-	4 220	2 074	2 074	-
more than 3 years	-	3 377	2 809	439	439	-
Past-due	194	859	711	294	100	51,5%
Provision for impairment of loans to private entrepreneurs	824	505	313	316	-508	-61,7%
Loans to individuals	55 704	400 588	815 439	65 251	9 547	17,1%
Standard	29 748	344 492	687 898	56 217	26 469	89,0%
up to 30 days	7 062	7 023	7 640	6 150	-912	-12,9%
up to 180 days	200	4 527	4 808	6 716	6 516	3 258,0%
up to 1 year	15 175	215 861	441 181	22 266	7 091	46,7%
up to 3 years	7 273	115 766	13 581	12 382	5 109	70,2%
more than 3 years	38	1 315	220 688	8 703	8 665	22 802,6%
Past-due	8 181	17 076	6 015	6 027	-2 154	-26,3%
Past-due	8 181	17 076	6 015	6 027	-2 154	-26,3%
Provision for impairment of loans to individuals	17 775	39 020	121 526	3 007	-14 768	-83,1%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	14 386 389	9 951 130	9 409 075	11 438 100	-2 948 289	-20,5%
Mandatory reserves with Central Bank	6 298	3 757	1 707	-	-6 298	-100,0%
Premises and equipment	446 909	6 209	4 794	2 070	-444 839	-99,5%
Purchase cost	396 111	6 209	4 794	2 070	-394 041	-99,5%
Depreciation	50 798	-	-	-	-50 798	-100,0%
Accrued interest not yet received	65 802	58 874	68 871	65 437	-365	-0,6%
Other assets	13 853 500	9 874 124	9 322 230	11 357 293	-2 496 207	-18,0%
Provision for impairment of other assets	13 880	8 166	11 473	13 300	-580	-4,2%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	16 013 682	14 968 217	13 655 374	15 019 780	-993 902	-6,2%
Dues to banks	20 455	150 520	212 184	10 000	-10 455	-51,1%
On demand	13 000	150 000	209 000	10 000	-3 000	-23,1%
Residents	13 000	150 000	209 000	10 000	-3 000	-23,1%
Other dues to banks	7 455	520	3 184	-	-7 455	-100,0%
On demand	4 519 099	5 545 190	4 979 553	4 766 202	247 103	5,5%
Corporate clients	3 419 248	4 982 753	4 622 589	4 348 148	928 900	27,2%
State-owned enterprises	31 322	57 896	113 272	55 344	24 022	76,7%
Residents	3 386 404	4 918 562	4 504 621	4 283 696	897 292	26,5%
Non-residents	1 522	6 295	4 696	9 108	7 586	498,4%
Individuals	1 099 851	562 437	356 964	418 054	-681 797	-62,0%
Residents	1 091 399	551 620	347 724	412 394	-679 005	-62,2%
Non-residents	8 452	10 817	9 240	5 660	-2 792	-33,0%
Term	2 017 972	437 965	628 015	782 821	-1 235 151	-61,2%
Corporate clients	34 515	18 300	88 805	23 254	-11 261	-32,6%
Residents	29 515	13 500	24 005	3 254	-26 261	-89,0%
up to 30 days	22 000	-	-	-	-22 000	-100,0%
up to 180 days	3 015	10 000	19 505	3 254	239	7,9%
up to 1 year	4 500	3 500	4 500	-	-4 500	-100,0%
up to 3 years	-	-	-	-	-	-
State-owned enterprises	5 000	4 800	64 800	20 000	15 000	300,0%
up to 30 days	-	-	40 000	20 000	20 000	-
up to 180 days	5 000	4 800	24 800	-	-5 000	-100,0%
Individuals	1 983 457	419 665	539 210	759 567	-1 223 890	-61,7%
residents	1 967 584	414 047	527 456	747 004	-1 220 580	-62,0%
up to 30 days	-	-	-	-	-	-
up to 180 days	272 773	109 337	141 152	192 205	-80 568	-29,5%
up to 1 year	66 619	68 709	162 044	268 291	201 672	302,7%
up to 3 years	1 628 192	236 001	224 260	286 508	-1 341 684	-82,4%
more than 3 years	-	-	-	-	-	-
non-residents	15 873	5 618	11 754	12 563	-3 310	-20,9%
up to 180 days	5 038	1 763	3 823	5 876	838	16,6%
up to 1 year	1 316	971	3 032	3 545	2 229	169,4%
up to 3 years	9 519	2 884	4 899	3 142	-6 377	-67,0%
Securities issued	-	101 104	-	-	-	-
Promissory notes	-	101 104	-	-	-	-
on demand	-	50 604	-	-	-	-
up to 180 days	-	50 500	-	-	-	-
Other liabilities	9 456 156	8 733 438	7 835 622	9 460 757	4 601	0,0%
Other liabilities	9 397 520	8 678 215	7 775 279	9 399 228	1 708	0,0%
Accrued interest not yet paid	58 636	55 155	60 343	61 529	2 893	4,9%
Deferred tax liabilities	-	68	-	-	-	-
EQUITY	17 242 990	15 548 656	530 261	443 349	-16 799 641	-97,4%
Capital	-	-	-	-	-	-
Profit from previous years	9 035 431	14 920 265	-	-	-9 035 431	-100,0%
Retained earnings from previous years	9 035 431	14 920 265	-	-	-9 035 431	-100,0%
Current year profit	8 205 698	626 501	528 356	443 321	-7 762 377	-94,6%
Current year retained earnings	8 205 698	626 501	528 356	443 321	-7 762 377	-94,6%
Future expenses	1 861	1 890	1 905	28	-1 833	-98,5%
OFF-BALANCE SHEET	661 468	1 079 337	1 026 041	462 821	-198 647	-30,0%
Contingent liabilities	267 709	648 730	377 722	294 850	27 141	10,1%
Unused credit limits opened	267 709	648 730	377 722	294 850	27 141	10,1%
Collateral on loans	353 984	345 520	554 788	102 331	-251 653	-71,1%
goods	353 984	295 020	554 788	102 331	-251 653	-71,1%
securities	-	50 500	-	-	-	-
Unprocessed payments	15 910	58 248	50 325	25 352	9 442	59,3%
Due to lack of funds on client accounts	15 910	58 248	50 325	25 352	9 442	59,3%
Other off-balance sheet accounts	23 865	26 839	43 206	40 288	16 423	68,8%
Accrued interest not yet received	23 865	26 389	38 431	36 266	12 401	52,0%
Written-off interest	-	215	1 285	1 406	1 406	-
Written-off loans	-	235	3 490	2 616	2 616	-
Credit card balances	7 062	7 023	7 640	6 150	-912	-12,9%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-