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

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	NARODNIY KREDIT	add to comparison
Central Bank of Russia registration number: 2401

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	372 861 649	430 425 581	448 054 068	195 437 645	-177 424 004	-47,6%
High liquid assets	187 915 277	214 014 694	219 766 004	79 635 833	-108 279 444	-57,6%
Cash and equivalents	44 764 857	45 906 293	39 002 126	23 984 877	-20 779 980	-46,4%
Cash	15 307 852	14 333 498	12 585 362	12 402 085	-2 905 767	-19,0%
in cash and en route	13 974 976	12 904 973	11 377 227	11 383 163	-2 591 813	-18,5%
in ATMs	1 332 850	1 428 492	1 208 106	1 018 104	-314 746	-23,6%
precious metals	26	33	29	818	792	3 046,2%
Nostro account with Central Bank	29 457 005	31 572 795	26 416 764	11 582 792	-17 874 213	-60,7%
Nostro accounts	2 243 716	2 645 261	2 158 510	2 125 580	-118 136	-5,3%
Non-residents	411 779	467 231	400 547	432 143	20 364	4,9%
Residents	1 831 937	2 178 030	1 757 963	1 693 437	-138 500	-7,6%
Money in transfer	3 767 950	3 649 012	2 477 594	1 872 733	-1 895 217	-50,3%
Exchange accounts	137 138 435	161 814 110	176 127 021	51 651 760	-85 486 675	-62,3%
Provision for impairment of high-liquid assets	319	18	753	883	564	176,8%
Interest-earning assets	20 394 514	29 728 778	24 490 664	20 046 288	-348 226	-1,7%
Dues from banks	332 018	115 548	391 498	34	-331 984	-100,0%
Residents	332 018	115 548	391 498	34	-331 984	-100,0%
up to 30 days	207 002	104 104	390 004	7	-206 995	-100,0%
up to 180 days	125 008	11 420	1 476	-	-125 008	-100,0%
more than 180 days	8	24	18	27	19	237,5%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	17 135 580	20 607 578	17 883 973	15 038 000	-2 097 580	-12,2%
Bonds	1 017 266	-	1 154 379	3 562 970	2 545 704	250,2%
Federal Loan Bonds (OFZs), OBRs	911 719	-	1 153 342	3 557 168	2 645 449	290,2%
Corporate bonds	3	-	-	-	-3	-100,0%
Financial institutions bonds	103 847	-	-	-	-103 847	-100,0%
Valuation allowance	1 697	-	1 037	5 802	4 105	241,9%
Promissory notes	272 103	1 559 576	425 758	1 652 523	1 380 420	507,3%
Corporate	271 857	1 157 212	11 788	1 641 132	1 369 275	503,7%
Banks	-	402 364	413 970	30	30	-
Provision for impairment of promissory notes	246	-	-	11 361	11 115	4 518,3%
Stocks	15 846 211	19 048 002	16 303 836	9 822 507	-6 023 704	-38,0%
Residents	7 880 651	9 568 146	8 154 014	4 954 930	-2 925 721	-37,1%
Valuation allowance	77 102	44 463	57 450	242 727	165 625	214,8%
Pledged under REPO	7 888 458	9 435 393	8 092 372	4 624 850	-3 263 608	-41,4%
Loans to corporate clients	2 560 057	8 414 086	5 957 991	4 790 152	2 230 095	87,1%
residents	2 282 118	6 276 763	5 356 556	3 176 471	894 353	39,2%
up to 30 days	1 241 548	3 376 007	245 648	75 701	-1 165 847	-93,9%
up to 180 days	39 567	524 152	3 014 017	1 054	-38 513	-97,3%
up to 1 year	967 290	2 173 930	1 230 231	1 241 454	274 164	28,3%
up to 3 years	29 440	172 087	854 312	1 849 551	1 820 111	6 182,4%
more than 3 years	4 273	30 587	12 348	8 711	4 438	103,9%
non-residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
state-owned enterprises	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	51 894	488 319	38 689	694 328	642 434	1 238,0%
residents	51 894	488 319	38 689	694 328	642 434	1 238,0%
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	226 045	1 649 004	562 746	919 353	693 308	306,7%
residents	225 645	1 583 556	559 836	874 163	648 518	287,4%
non-residents	-	65 310	-	45 150	45 150	-
state-owned enterprises	400	138	2 910	40	-360	-90,0%
Loans to private entrepreneurs	142 430	84 357	44 291	10 821	-131 609	-92,4%
up to 30 days	93 643	54 373	34 402	212	-93 431	-99,8%
up to 180 days	10 198	20 281	1 600	-	-10 198	-100,0%
up to 1 year	2 191	-	-	-	-2 191	-100,0%
up to 3 years	20 585	-	-	-	-20 585	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	7 477	4 479	3 856	584	-6 893	-92,2%
Provision for impairment of loans to private entrepreneurs	8 336	5 224	4 433	10 025	1 689	20,3%
Loans to individuals	224 429	507 209	212 911	207 281	-17 148	-7,6%
Standard	152 261	411 037	109 325	58 433	-93 828	-61,6%
up to 30 days	16 326	17 273	21 439	21 090	4 764	29,2%
up to 180 days	59	-	-	59	-	0,0%
up to 1 year	2 011	5 696	1 655	586	-1 425	-70,9%
up to 3 years	15 201	10 433	8 422	2 137	-13 064	-85,9%
more than 3 years	118 664	377 635	77 809	34 561	-84 103	-70,9%
Past-due	40 839	43 241	40 242	50 842	10 003	24,5%
Past-due	40 839	43 241	40 242	50 842	10 003	24,5%
Provision for impairment of loans to individuals	31 329	52 931	63 344	98 006	66 677	212,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	164 551 858	186 682 109	203 797 400	95 755 524	-68 796 334	-41,8%
Mandatory reserves with Central Bank	-	-	677 617	43 700	43 700	-
Premises and equipment	1 381 588	653 467	1 923 228	6 001 540	4 619 952	334,4%
Purchase cost	1 381 213	652 607	1 923 039	6 001 201	4 619 988	334,5%
Depreciation	375	860	189	339	-36	-9,6%
Accrued interest not yet received	58 073	83 775	78 541	166 542	108 469	186,8%
Non-current assets	-	-	-	-	-	-
Other assets	163 035 516	185 865 957	200 837 105	88 926 273	-74 109 243	-45,5%
Provision for impairment of other assets	76 681	71 683	99 808	617 469	540 788	705,2%
Derivatives - assets	-	7 227	59 789	-	-	-
Deferred tax asset	-	-	121 312	-	-	-
LIABILITIES	217 958 141	242 518 606	237 096 559	364 195 168	146 237 027	67,1%
Dues to banks	34 657 680	22 063 119	12 958 621	4 198 071	-30 459 609	-87,9%
On demand	9 573 373	3 837 544	882	51 047	-9 522 326	-99,5%
Residents	9 573 373	3 837 544	882	51 047	-9 522 326	-99,5%
Term	24 488 683	17 779 733	12 628 748	3 078 791	-21 409 892	-87,4%
Residents	24 488 683	17 779 733	12 628 748	3 078 791	-21 409 892	-87,4%
up to 30 days	24 288 683	17 614 733	12 627 366	2 797 459	-21 491 224	-88,5%
up to 180 days	-	165 000	1 382	165 308	165 308	-
more than 180 days	200 000	-	-	-	-200 000	-100,0%
Past-due	-	-	-	116 024	116 024	-
Other dues to banks	595 624	445 842	328 991	1 068 233	472 609	79,3%
On demand	30 601 078	42 133 252	28 917 209	270 892 682	240 291 604	785,2%
Corporate clients	27 576 808	37 436 076	25 426 865	265 043 297	237 466 489	861,1%
State-owned enterprises	203 191	247 141	161 579	195 151	-8 040	-4,0%
Residents	26 381 015	35 439 111	23 267 770	261 280 301	234 899 286	890,4%
Non-residents	992 602	1 749 824	1 997 516	3 567 845	2 575 243	259,4%
Individuals	3 014 270	4 438 665	3 380 344	5 849 385	2 835 115	94,1%
Residents	2 994 174	4 198 959	3 353 548	5 110 243	2 116 069	70,7%
Non-residents	20 096	239 706	26 796	739 142	719 046	3 578,1%
Brokerage accounts	10 000	258 511	110 000	-	-10 000	-100,0%
Residents	10 000	258 511	110 000	-	-10 000	-100,0%
Term	3 161 772	3 602 182	2 881 707	6 441 803	3 280 031	103,7%
Corporate clients	957 414	959 457	1 019 046	2 620 169	1 662 755	173,7%
Residents	957 414	951 757	1 019 046	2 537 669	1 580 255	165,1%
up to 30 days	182 781	299 657	889 046	2 366 629	2 183 848	1 194,8%
up to 180 days	127 000	62 100	56 000	32 640	-94 360	-74,3%
up to 1 year	408 000	20 000	-	44 400	-363 600	-89,1%
up to 3 years	239 633	570 000	74 000	94 000	-145 633	-60,8%
more than 3 years	-	-	-	-	-	-
Non-residents	-	-	-	2 000	2 000	-
up to 180 days	-	-	-	2 000	2 000	-
State-owned enterprises	-	7 700	-	80 500	80 500	-
up to 180 days	-	7 700	-	40 000	40 000	-
up to 1 year	-	-	-	27 500	27 500	-
up to 3 years	-	-	-	13 000	13 000	-
Individuals	2 204 358	2 642 725	1 862 661	3 821 634	1 617 276	73,4%
residents	2 145 813	2 393 983	1 811 874	3 336 926	1 191 113	55,5%
up to 180 days	26 592	29 271	24 372	49 898	23 306	87,6%
up to 1 year	111 005	123 242	52 251	54 878	-56 127	-50,6%
up to 3 years	1 929 845	2 139 136	1 700 884	3 130 782	1 200 937	62,2%
more than 3 years	78 371	102 334	34 367	101 368	22 997	29,3%
non-residents	58 545	248 742	50 787	484 708	426 163	727,9%
up to 180 days	5 272	1 000	107	-	-5 272	-100,0%
up to 1 year	74	1 111	317	41	-33	-44,6%
up to 3 years	53 199	246 631	50 363	484 667	431 468	811,0%
more than 3 years	-	-	-	-	-	-
Securities issued	1 363 834	1 156 081	1 277 845	4 105 966	2 742 132	201,1%
Promissory notes	613 834	1 056 081	1 277 845	4 105 966	3 492 132	568,9%
on demand	155 707	30 871	51 161	144 401	-11 306	-7,3%
up to 180 days	30 680	90 915	4 146	29 580	-1 100	-3,6%
up to 1 year	174 689	592 407	1 192 782	3 098 851	2 924 162	1 673,9%
up to 3 years	207 746	32 362	2 136	609 140	401 394	193,2%
more than 3 years	-	-	-	5 700	5 700	-
Discount accrued	45 012	309 526	27 620	218 294	173 282	385,0%
Depositary certificates	750 000	100 000	-	-	-750 000	-100,0%
more than 180 days	750 000	100 000	-	-	-750 000	-100,0%
Other liabilities	148 173 777	173 563 972	191 061 177	78 556 646	-69 617 131	-47,0%
Other liabilities	148 101 945	173 495 122	191 011 227	78 488 807	-69 613 138	-47,0%
Accrued interest not yet paid	71 832	68 850	49 950	59 171	-12 661	-17,6%
Liabilities past-due	-	-	-	7 559	7 559	-
Derivatives - liabilities	-	-	-	1 109	1 109	-
EQUITY	2 398 475	3 983 240	2 574 306	8 934 529	6 536 054	272,5%
Capital	-	-	-	-	-	-
Profit from previous years	304 845	-	-	-	-304 845	-100,0%
Retained earnings from previous years	304 845	-	-	-	-304 845	-100,0%
Current year profit	2 045 606	3 948 730	2 545 860	8 914 328	6 868 722	335,8%
Current year retained earnings	2 045 606	3 948 730	2 545 860	8 914 328	6 868 722	335,8%
Future expenses	48 024	34 510	28 446	20 201	-27 823	-57,9%
OFF-BALANCE SHEET	4 034 209	4 616 005	3 035 247	12 830 619	8 796 410	218,0%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	2 538 436	1 491 345	1 002 501	2 917 542	379 106	14,9%
Guarantees issued	1 059 157	374 816	85 878	646 989	-412 168	-38,9%
Unused credit limits opened	1 479 279	1 116 529	916 623	2 270 553	791 274	53,5%
Unused guarantee limits	-	-	-	-	-	-
Collateral on loans	1 131 216	2 812 947	1 609 145	9 286 237	8 155 021	720,9%
goods	798 573	791 410	523 755	2 021 789	1 223 216	153,2%
securities	332 643	2 021 537	1 085 390	7 264 448	6 931 805	2 083,9%
Unprocessed payments	338 488	284 754	394 587	602 193	263 705	77,9%
Due to lack of funds on client accounts	338 488	284 754	394 587	602 193	263 705	77,9%
Other off-balance sheet accounts	26 069	26 959	29 014	24 647	-1 422	-5,5%
Accrued interest not yet received	26 069	26 959	28 154	24 647	-1 422	-5,5%
Written-off interest	-	-	276	-	-	-
Written-off loans	-	-	584	-	-	-
Credit card balances	16 326	17 273	21 439	21 090	4 764	29,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-