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	URALSKIY TRASTOVIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2523

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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.	01.04.2012	>> Turnover >>	01.05.2012 01.04.2012 01.03.2012 01.02.2012 01.01.2012 01.12.2011 01.11.2011 01.10.2011 01.09.2011 01.08.2011 01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009 01.10.2009 01.09.2009 01.08.2009 01.07.2009 01.06.2009 01.05.2009 01.04.2009 01.03.2009 01.02.2009 01.01.2009 01.12.2008 01.11.2008 01.10.2008 01.09.2008 01.08.2008 01.07.2008 01.06.2008 01.05.2008 01.04.2008 01.03.2008 01.02.2008 01.01.2008	Turnover / amount	Turnover / assets	Period change
ASSETS	1 078 545	1 549 181	931 554	1,4	1,7	-146 991	-13,6%
High liquid assets	66 788	975 986	4 415	14,6	1,0	-62 373	-93,4%
Cash and equivalents	61 072	761 321	4 114	12,5	0,8	-56 958	-93,3%
Cash	60 096	477 429	4 082	7,9	0,5	-56 014	-93,2%
in cash and en route	46 459	435 075	4 082	9,4	0,5	-42 377	-91,2%
in ATMs	13 637	42 354	-	3,1	0,0	-13 637	-100,0%
Nostro account with Central Bank	976	283 892	32	290,9	0,3	-944	-96,7%
Nostro accounts	1 093	114 054	39	104,3	0,1	-1 054	-96,4%
Residents	1 093	114 054	39	104,3	0,1	-1 054	-96,4%
Money in transfer	4 623	98 772	262	21,4	0,1	-4 361	-94,3%
Exchange accounts	-	1 839	-	-	-	-	-
Interest-earning assets	512 937	294 511	434 171	0,6	0,3	-78 766	-15,4%
Dues from banks	-	2 067	-	-	-	-	-
Residents	-	2 067	-	-	-	-	-
up to 30 days	-	2 067	-	-	-	-	-
Securities	37 359	115 237	58 408	3,1	0,1	21 049	56,3%
Bonds	-	-	-	-	-	-	-
Financial institutions bonds	-	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-	-
Pledged under REPO	-	-	-	-	-	-	-
Promissory notes	34 152	113 371	57 027	3,3	0,1	22 875	67,0%
Corporate	73 355	73 400	73 058	1,0	0,1	-297	-0,4%
Banks	42	999	42	23,8	0,0	-	0,0%
Provision for impairment of promissory notes	-39 245	39 269	-16 073	1,0	0,0	23 172	-59,0%
Stocks	3 207	3 692	1 381	1,2	0,0	-1 826	-56,9%
Residents	3 093	3 467	1 465	1,1	0,0	-1 628	-52,6%
Valuation allowance	114	225	-84	2,0	0,0	-198	-173,7%
Loans to corporate clients	401 276	179 607	295 140	0,4	0,2	-106 136	-26,4%
residents	436 037	115 800	323 731	0,3	0,1	-112 306	-25,8%
up to 30 days	1 016	994	1 398	1,0	0,0	382	37,6%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	187 000	70 000	117 000	0,4	0,1	-70 000	-37,4%
up to 3 years	210 986	28 401	185 085	0,1	0,0	-25 901	-12,3%
more than 3 years	37 035	16 787	20 248	0,5	0,0	-16 787	-45,3%
Past-due	16 038	72 559	81 713	4,5	0,1	65 675	409,5%
residents	16 038	72 559	81 713	4,5	0,1	65 675	409,5%
Provision for impairment of corporate loans	-50 799	56 923	-110 304	1,1	0,1	-59 505	117,1%
residents	-50 799	56 923	-110 304	1,1	0,1	-59 505	117,1%
Loans to private entrepreneurs	17 168	8 176	24 464	0,5	0,0	7 296	42,5%
up to 30 days	1 030	2 220	319	2,2	0,0	-711	-69,0%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	3 896	315	3 581	0,1	0,0	-315	-8,1%
more than 3 years	9 996	303	9 693	0,0	0,0	-303	-3,0%
Past-due	26 885	375	26 510	0,0	0,0	-375	-1,4%
Provision for impairment of loans to private entrepreneurs	-24 639	4 963	-15 639	0,2	0,0	9 000	-36,5%
Loans to individuals	57 134	10 473	56 159	0,2	0,0	-975	-1,7%
Standard	58 099	7 822	53 207	0,1	0,0	-4 892	-8,4%
up to 30 days	1 240	2 930	1 699	2,4	0,0	459	37,0%
up to 180 days	60	60	-	1,0	0,0	-60	-100,0%
up to 1 year	9 570	2 322	7 248	0,2	0,0	-2 322	-24,3%
up to 3 years	4 326	658	3 668	0,2	0,0	-658	-15,2%
more than 3 years	42 903	2 311	40 592	0,1	0,0	-2 311	-5,4%
Past-due	10 806	594	10 654	0,1	0,0	-152	-1,4%
Past-due	10 806	594	10 654	0,1	0,0	-152	-1,4%
Provision for impairment of loans to individuals	-11 771	2 057	-7 702	0,2	0,0	4 069	-34,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	498 820	278 684	492 968	0,6	0,3	-5 852	-1,2%
Mandatory reserves with Central Bank	21 548	734	20 814	0,0	0,0	-734	-3,4%
Premises and equipment	280 021	3 344	277 774	0,0	0,0	-2 247	-0,8%
Purchase cost	333 500	2 914	330 729	0,0	0,0	-2 771	-0,8%
Depreciation	-53 479	954	-52 955	0,0	0,0	524	-1,0%
Accrued interest not yet received	4 192	6 033	3 900	1,4	0,0	-292	-7,0%
Non-current assets	22 712	397	23 109	0,0	0,0	397	1,7%
Other assets	202 145	220 685	201 790	1,1	0,2	-355	-0,2%
Provision for impairment of other assets	-31 798	47 888	-34 419	1,5	0,1	-2 621	8,2%
LIABILITIES	688 739	1 489 901	564 896	2,2	1,6	-123 843	-18,0%
Dues to banks	2 708	130 260	-	48,1	0,1	-2 708	-100,0%
On demand	1 708	21 525	-	12,6	0,0	-1 708	-100,0%
Residents	1 708	21 525	-	12,6	0,0	-1 708	-100,0%
Term	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Other dues to banks	1 000	108 735	-	108,7	0,1	-1 000	-100,0%
On demand	206 624	933 790	163 719	4,5	1,0	-42 905	-20,8%
Corporate clients	126 456	743 113	37 019	5,9	0,8	-89 437	-70,7%
Residents	126 450	743 078	37 013	5,9	0,8	-89 437	-70,7%
Non-residents	6	35	6	5,8	0,0	-	0,0%
Individuals	75 639	225 186	126 545	3,0	0,2	50 906	67,3%
Residents	75 587	225 182	126 505	3,0	0,2	50 918	67,4%
Non-residents	52	16	40	0,3	0,0	-12	-23,1%
Brokerage accounts	4 529	16 397	155	3,6	0,0	-4 374	-96,6%
Residents	4 529	16 397	155	3,6	0,0	-4 374	-96,6%
Term	469 984	118 952	396 097	0,3	0,1	-73 887	-15,7%
Corporate clients	21 400	21 000	400	1,0	0,0	-21 000	-98,1%
Residents	21 400	21 000	400	1,0	0,0	-21 000	-98,1%
up to 1 year	21 000	21 000	-	1,0	0,0	-21 000	-100,0%
up to 3 years	400	-	400	0,0	0,0	-	0,0%
Individuals	448 584	97 952	395 697	0,2	0,1	-52 887	-11,8%
residents	448 584	97 952	395 697	0,2	0,1	-52 887	-11,8%
up to 180 days	98 356	48 939	74 166	0,5	0,1	-24 190	-24,6%
up to 1 year	101 504	14 192	94 627	0,1	0,0	-6 877	-6,8%
up to 3 years	233 303	33 005	213 272	0,1	0,0	-20 031	-8,6%
more than 3 years	15 421	1 816	13 632	0,1	0,0	-1 789	-11,6%
Other liabilities	9 423	306 899	5 080	32,6	0,3	-4 343	-46,1%
Other liabilities	3 415	189 729	3 058	55,6	0,2	-357	-10,5%
Accrued interest not yet paid	6 008	7 332	1 767	1,2	0,0	-4 241	-70,6%
Liabilities past-due	-	110 093	255	-	-	255	-
EQUITY	389 806	139 532	366 658	0,4	0,1	-23 148	-5,9%
Capital	491 726	-	491 726	0,0	0,0	-	0,0%
Profit from previous years	-98 954	-	-98 954	0,0	0,0	-	0,0%
Retained earnings from previous years	-98 954	-	-98 954	0,0	0,0	-	0,0%
Current year profit	2 910	139 412	-20 293	47,9	0,1	-23 203	-797,4%
Current year retained earnings	2 910	139 412	-20 293	47,9	0,1	-23 203	-797,4%
Future expenses	-5 876	175	-5 821	0,0	0,0	55	-0,9%
OFF-BALANCE SHEET	705 978	131 890	632 012	0,2	0,1	-73 966	-10,5%
Contingent liabilities	-25 625	44 488	-15 058	1,7	0,0	10 567	-41,2%
Unused credit limits opened	-25 625	44 488	-15 058	1,7	0,0	10 567	-41,2%
Collateral on loans	817 639	86 838	732 782	0,1	0,1	-84 857	-10,4%
goods	696 917	84 289	614 609	0,1	0,1	-82 308	-11,8%
securities	120 722	2 549	118 173	0,0	0,0	-2 549	-2,1%
Other off-balance sheet accounts	-86 036	564	-85 712	0,0	0,0	324	-0,4%
Accrued interest not yet received	12 106	564	12 426	0,0	0,0	320	2,6%
Written-off interest	-7 233	-	-7 233	0,0	0,0	-	0,0%
Written-off loans	-90 909	4	-90 905	0,0	0,0	4	-0,0%
Credit card balances	1 240	2 930	1 699	2,4	0,0	459	37,0%
Past due ratio, total	955	-	2 334	0,0	0,0	1 379	144,4%
Past due ratio, individuals	1 568	-	1 668	0,0	0,0	100	6,4%
Past due ratio, corporates	355	-	2 015	0,0	0,0	1 660	467,6%
Past due ratio, entrepreneurs	6 431	-	6 610	0,0	0,0	179	2,8%
Past due ratio, corporates + entrepreneurs	869	-	2 429	0,0	0,0	1 560	179,5%

You can also get acquainted with balance sheet aggregation methodics.