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

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	BUM-BANK	add to comparison
Central Bank of Russia registration number: 1137 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	3 932 923	4 002 529	4 466 628	3 993 131	60 208	1,5%
High liquid assets	2 716 430	3 125 534	3 318 190	3 169 864	453 434	16,7%
Cash and equivalents	1 969 607	2 162 464	2 306 461	2 284 911	315 304	16,0%
Cash	689 398	986 742	994 334	1 007 953	318 555	46,2%
in cash and en route	635 273	927 415	940 743	954 297	319 024	50,2%
in ATMs	54 037	59 133	53 120	53 496	-541	-1,0%
precious metals	88	194	471	160	72	81,8%
Nostro account with Central Bank	1 280 209	1 175 722	1 312 127	1 276 958	-3 251	-0,3%
Nostro accounts	182 504	307 283	330 342	291 448	108 944	59,7%
Residents	182 504	307 283	330 342	291 448	108 944	59,7%
Money in transfer	536 711	560 150	605 770	529 464	-7 247	-1,4%
Exchange accounts	27 608	95 637	75 617	64 030	36 422	131,9%
Provision for impairment of high-liquid assets	-	-	-	11	11	-
Interest-earning assets	364 813	327 309	598 931	640 283	275 470	75,5%
Dues from banks	250 035	145 056	260 141	328 051	78 016	31,2%
Residents	250 035	145 056	260 141	328 051	78 016	31,2%
up to 30 days	250 035	145 056	260 141	328 051	78 016	31,2%
Securities	7 742	207	35	69	-7 673	-99,1%
Bonds	33	36	35	35	2	6,1%
Corporate bonds	33	36	35	35	2	6,1%
Stocks	7 709	171	-	34	-7 675	-99,6%
Residents	4 215	-	-	-	-4 215	-100,0%
Valuation allowance	3 494	171	-	34	-3 460	-99,0%
Loans to corporate clients	1 581	2 734	5 322	2 575	994	62,9%
residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	-	-	-	45	45	-
residents	-	-	-	45	45	-
Provision for impairment of corporate loans	1 581	2 734	5 322	2 530	949	60,0%
residents	1 581	2 734	5 322	2 530	949	60,0%
Loans to private entrepreneurs	37	751	5 179	14 037	14 000	37 837,8%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	37	751	5 179	14 037	14 000	37 837,8%
Loans to individuals	105 418	178 561	328 254	295 551	190 133	180,4%
Standard	63 756	94 139	147 761	108 123	44 367	69,6%
up to 30 days	56	33	46	53	-3	-5,4%
up to 180 days	4 415	1 680	-	15 955	11 540	261,4%
up to 1 year	35 820	87 586	111 900	92 115	56 295	157,2%
up to 3 years	23 465	4 540	34 165	-	-23 465	-100,0%
more than 3 years	-	300	1 650	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	970	9 508	13 449	9 430	8 460	872,2%
Past-due	970	9 508	13 449	9 430	8 460	872,2%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	40 692	74 914	167 044	177 998	137 306	337,4%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	851 680	549 686	549 507	182 984	-668 696	-78,5%
Mandatory reserves with Central Bank	19	2	41	35	16	84,2%
Premises and equipment	9 420	9 475	3 812	10 057	637	6,8%
Purchase cost	9 420	9 464	3 812	9 382	-38	-0,4%
Depreciation	-	11	-	675	675	-
Accrued interest not yet received	1 496	1 609	1 529	1 677	181	12,1%
Assets under management	-	70 068	-	-	-	-
Other assets	839 409	466 338	542 106	166 762	-672 647	-80,1%
Provision for impairment of other assets	1 336	2 194	2 019	3 854	2 518	188,5%
Deferred tax asset	-	-	-	599	599	-
LIABILITIES	1 805 819	1 670 035	1 722 809	1 252 986	-552 833	-30,6%
Dues to banks	32 673	47 613	38 729	20 861	-11 812	-36,2%
On demand	-	-	465	-	-	-
Residents	-	-	465	-	-	-
Term	10 000	18 000	-	-	-10 000	-100,0%
Residents	10 000	18 000	-	-	-10 000	-100,0%
up to 180 days	10 000	18 000	-	-	-10 000	-100,0%
Other dues to banks	22 673	29 613	38 264	20 861	-1 812	-8,0%
On demand	725 934	854 180	812 224	719 026	-6 908	-1,0%
Corporate clients	623 801	748 751	728 469	644 077	20 276	3,3%
State-owned enterprises	2 657	1 446	3 312	1 083	-1 574	-59,2%
Residents	573 443	687 550	639 683	550 013	-23 430	-4,1%
Non-residents	47 701	59 755	85 474	92 981	45 280	94,9%
Individuals	102 133	105 429	83 755	74 949	-27 184	-26,6%
Residents	99 661	100 371	80 127	70 819	-28 842	-28,9%
Non-residents	2 472	5 058	3 628	4 130	1 658	67,1%
Term	87 659	105 822	141 195	136 648	48 989	55,9%
Corporate clients	850	1 000	3 000	6 350	5 500	647,1%
Residents	850	1 000	3 000	6 350	5 500	647,1%
up to 180 days	850	-	-	-	-850	-100,0%
up to 1 year	-	1 000	3 000	5 000	5 000	-
up to 3 years	-	-	-	1 350	1 350	-
Individuals	86 809	104 822	138 195	130 298	43 489	50,1%
residents	86 781	104 501	138 142	130 122	43 341	49,9%
up to 180 days	13 800	17 390	23 335	18 297	4 497	32,6%
up to 1 year	46 469	49 466	31 932	14 315	-32 154	-69,2%
up to 3 years	25 639	36 804	77 536	91 313	65 674	256,1%
more than 3 years	873	841	5 339	6 197	5 324	609,9%
non-residents	28	321	53	176	148	528,6%
up to 180 days	7	307	15	13	6	85,7%
up to 1 year	21	14	38	33	12	57,1%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	130	130	-
Other liabilities	959 553	662 420	730 661	376 451	-583 102	-60,8%
Other liabilities	954 838	656 628	722 598	323 479	-631 359	-66,1%
Accrued interest not yet paid	4 715	5 792	8 063	52 972	48 257	1 023,5%
EQUITY	84 200	117 361	189 085	157 078	72 878	86,6%
Capital	-	-	-	93	93	-
Profit from previous years	-	-	12 802	-	-	-
Retained earnings from previous years	-	-	12 802	-	-	-
Current year profit	82 936	116 881	175 089	156 293	73 357	88,5%
Current year retained earnings	82 936	116 881	175 089	156 293	73 357	88,5%
Future expenses	1 264	480	1 194	692	-572	-45,3%
OFF-BALANCE SHEET	42 109	174 567	241 770	305 747	263 638	626,1%
Contingent liabilities	174	142	145	154	-20	-11,5%
Unused credit limits opened	174	142	145	154	-20	-11,5%
Collateral on loans	7 807	35 440	124 007	127 134	119 327	1 528,5%
goods	7 807	35 440	121 569	127 134	119 327	1 528,5%
securities	-	-	2 438	-	-	-
Unprocessed payments	11 288	113 506	26 750	16 110	4 822	42,7%
Due to lack of funds on client accounts	11 288	113 506	26 750	16 110	4 822	42,7%
Other off-balance sheet accounts	22 840	25 479	90 868	162 349	139 509	610,8%
Accrued interest not yet received	22 840	25 479	24 097	23 004	164	0,7%
Written-off interest	-	-	16 771	63 332	63 332	-
Written-off loans	-	-	50 000	76 013	76 013	-
Credit card balances	56	33	46	53	-3	-5,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-