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

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	NOVOKIB	add to comparison
Central Bank of Russia registration number: 1747 retail lending

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	1 232 187	8 937 513	1 178 697	7,3	7,6	-53 490	-4,3%
High liquid assets	92 995	4 896 636	59 522	52,7	4,2	-33 473	-36,0%
Cash and equivalents	63 811	4 745 398	35 926	74,4	4,0	-27 885	-43,7%
Cash	27 778	184 913	27 159	6,7	0,2	-619	-2,2%
in cash and en route	20 859	178 637	20 746	8,6	0,2	-113	-0,5%
in ATMs	6 919	6 276	6 413	0,9	0,0	-506	-7,3%
Nostro account with Central Bank	36 033	4 560 485	8 767	126,6	3,9	-27 266	-75,7%
Nostro accounts	28 336	132 185	22 831	4,7	0,1	-5 505	-19,4%
Residents	28 336	132 185	22 831	4,7	0,1	-5 505	-19,4%
Money in transfer	934	19 045	859	20,4	0,0	-75	-8,0%
Provision for impairment of high-liquid assets	-86	8	-94	0,1	0,0	-8	9,3%
Interest-earning assets	1 018 822	4 024 028	997 752	3,9	3,4	-21 070	-2,1%
Dues from banks	376 428	3 840 506	395 234	10,2	3,3	18 806	5,0%
Central Bank of Russia	375 300	3 840 500	394 100	10,2	3,3	18 800	5,0%
Residents	1 128	6	1 134	0,0	0,0	6	0,5%
up to 30 days	1 128	6	1 134	0,0	0,0	6	0,5%
Loans to corporate clients	392 409	192 865	354 568	0,5	0,2	-37 841	-9,6%
residents	397 862	191 727	359 949	0,5	0,2	-37 913	-9,5%
up to 30 days	69 004	98 633	77 896	1,4	0,1	8 892	12,9%
up to 180 days	122 450	72 400	95 950	0,6	0,1	-26 500	-21,6%
up to 1 year	57 648	22 651	38 340	0,4	0,0	-19 308	-33,5%
up to 3 years	91 704	5 360	87 938	0,1	0,0	-3 766	-4,1%
more than 3 years	57 056	4 344	59 825	0,1	0,0	2 769	4,9%
Past-due	4 053	6	4 057	0,0	0,0	4	0,1%
residents	4 053	6	4 057	0,0	0,0	4	0,1%
Provision for impairment of corporate loans	-9 506	1 157	-9 438	0,1	0,0	68	-0,7%
residents	-9 506	1 157	-9 438	0,1	0,0	68	-0,7%
Loans to private entrepreneurs	2 541	102	2 441	0,0	0,0	-100	-3,9%
more than 3 years	2 600	100	2 500	0,0	0,0	-100	-3,8%
Past-due	28	3	31	0,1	0,0	3	10,7%
Provision for impairment of loans to private entrepreneurs	-87	2	-90	0,0	0,0	-3	3,4%
Loans to individuals	247 444	9 361	245 509	0,0	0,0	-1 935	-0,8%
Standard	255 058	5 508	252 857	0,0	0,0	-2 201	-0,9%
up to 1 year	16	3	13	0,2	0,0	-3	-18,8%
up to 3 years	36 068	2 666	33 712	0,1	0,0	-2 356	-6,5%
more than 3 years	218 974	2 997	219 132	0,0	0,0	158	0,1%
Past-due	13 501	1 070	13 740	0,1	0,0	239	1,8%
Past-due	13 501	1 070	13 740	0,1	0,0	239	1,8%
Provision for impairment of loans to individuals	-21 115	3 094	-21 088	0,1	0,0	27	-0,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	120 370	17 902	121 423	0,1	0,0	1 053	0,9%
Mandatory reserves with Central Bank	2 391	10	2 401	0,0	0,0	10	0,4%
Premises and equipment	21 385	891	20 524	0,0	0,0	-861	-4,0%
Purchase cost	54 122	32	54 120	0,0	0,0	-2	-0,0%
Depreciation	-32 737	859	-33 596	0,0	0,0	-859	2,6%
Accrued interest not yet received	1 623	9 031	1 640	5,6	0,0	17	1,0%
Other assets	95 560	8 139	97 781	0,1	0,0	2 221	2,3%
Provision for impairment of other assets	-589	1 026	-923	1,7	0,0	-334	56,7%
LIABILITIES	793 553	5 039 043	741 177	6,3	4,3	-52 376	-6,6%
Dues to banks	-	189 924	8 702	-	-	8 702	-
Other dues to banks	-	189 924	8 702	-	-	8 702	-
On demand	214 564	2 925 823	324 330	13,6	2,5	109 766	51,2%
Corporate clients	182 252	2 871 518	292 306	15,8	2,4	110 054	60,4%
Residents	182 252	2 871 518	292 306	15,8	2,4	110 054	60,4%
Non-residents	-	-	-	-	-	-	-
Individuals	32 312	54 593	32 024	1,7	0,0	-288	-0,9%
Residents	32 312	54 593	32 024	1,7	0,0	-288	-0,9%
Term	557 620	2 005 724	387 269	3,6	1,7	-170 351	-30,5%
Corporate clients	299 126	1 936 886	144 851	6,5	1,6	-154 275	-51,6%
Residents	299 126	1 936 886	144 851	6,5	1,6	-154 275	-51,6%
up to 30 days	291 337	1 925 359	136 184	6,6	1,6	-155 153	-53,3%
up to 180 days	7 789	12 405	8 667	1,6	0,0	878	11,3%
Individuals	258 494	68 838	242 418	0,3	0,1	-16 076	-6,2%
residents	258 494	68 838	242 418	0,3	0,1	-16 076	-6,2%
up to 3 years	257 788	68 810	241 690	0,3	0,1	-16 098	-6,2%
more than 3 years	706	50	728	0,1	0,0	22	3,1%
Other liabilities	21 369	36 040	20 876	1,7	0,0	-493	-2,3%
Other liabilities	18 217	34 859	17 536	1,9	0,0	-681	-3,7%
Accrued interest not yet paid	2 975	1 369	3 163	0,5	0,0	188	6,3%
Deferred tax liabilities	177	-	177	0,0	0,0	-	0,0%
EQUITY	438 633	619 506	437 520	1,4	0,5	-1 113	-0,3%
Capital	222 273	-	222 273	0,0	0,0	-	0,0%
Profit from previous years	203 982	303 058	214 018	1,5	0,3	10 036	4,9%
Retained earnings from previous years	203 982	303 058	214 018	1,5	0,3	10 036	4,9%
Current year profit	12 378	326 484	1 229	26,4	0,3	-11 149	-90,1%
Current year retained earnings	12 378	326 484	1 229	26,4	0,3	-11 149	-90,1%
OFF-BALANCE SHEET	1 484 489	340 598	1 484 908	0,2	0,3	419	0,0%
Contingent liabilities	-87 862	230 636	-21 265	2,6	0,2	66 597	-75,8%
Unused credit limits opened	-87 862	230 636	-21 265	2,6	0,2	66 597	-75,8%
Collateral on loans	797 828	109 294	731 237	0,1	0,1	-66 591	-8,3%
goods	797 828	109 294	731 237	0,1	0,1	-66 591	-8,3%
Unprocessed payments	786 372	668	786 785	0,0	0,0	413	0,1%
Due to lack of funds on client accounts	786 372	668	786 785	0,0	0,0	413	0,1%
Other off-balance sheet accounts	-11 849	-	-11 849	0,0	0,0	-	0,0%
Written-off interest	-854	-	-854	0,0	0,0	-	0,0%
Written-off loans	-10 995	-	-10 995	0,0	0,0	-	0,0%
Past due ratio, total	261	-	282	0,0	0,0	21	8,0%
Past due ratio, individuals	503	-	515	0,0	0,0	12	2,4%
Past due ratio, corporates	101	-	111	0,0	0,0	10	9,9%
Past due ratio, entrepreneurs	107	-	122	0,0	0,0	15	14,0%
Past due ratio, corporates + entrepreneurs	101	-	112	0,0	0,0	11	10,9%
Risk-weighted assets	961 615	-	920 742	0,0	0,0	-40 873	-4,3%