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

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	KURGAN	add to comparison
Central Bank of Russia registration number: 2568

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	1 341 793	8 311 807	1 262 026	6,2	6,6	-79 767	-5,9%
High liquid assets	211 663	4 882 721	227 414	23,1	3,9	15 751	7,4%
Cash and equivalents	118 351	4 394 398	51 735	37,1	3,5	-66 616	-56,3%
Cash	51 045	450 707	44 218	8,8	0,4	-6 827	-13,4%
in cash and en route	51 045	450 707	44 218	8,8	0,4	-6 827	-13,4%
Nostro account with Central Bank	67 306	3 943 691	7 517	58,6	3,1	-59 789	-88,8%
Nostro accounts	90 872	539 551	173 810	5,9	0,4	82 938	91,3%
Residents	90 872	539 551	173 810	5,9	0,4	82 938	91,3%
Money in transfer	3 234	15 386	3 360	4,8	0,0	126	3,9%
Provision for impairment of high-liquid assets	-794	699	-1 491	0,9	0,0	-697	87,8%
Interest-earning assets	1 042 938	3 410 151	947 798	3,3	2,7	-95 140	-9,1%
Dues from banks	440 000	3 301 000	375 000	7,5	2,6	-65 000	-14,8%
Central Bank of Russia	440 000	3 301 000	375 000	7,5	2,6	-65 000	-14,8%
Loans to corporate clients	333 021	100 651	310 185	0,3	0,1	-22 836	-6,9%
residents	376 899	87 938	354 097	0,2	0,1	-22 802	-6,0%
up to 30 days	16 333	21 173	20 401	1,3	0,0	4 068	24,9%
up to 1 year	24 920	14 920	10 000	0,6	0,0	-14 920	-59,9%
up to 3 years	196 429	53 159	152 261	0,3	0,0	-44 168	-22,5%
more than 3 years	139 217	34 972	171 435	0,3	0,0	32 218	23,1%
Past-due	22 264	769	22 336	0,0	0,0	72	0,3%
residents	22 264	769	22 336	0,0	0,0	72	0,3%
Provision for impairment of corporate loans	-66 142	12 016	-66 248	0,2	0,0	-106	0,2%
residents	-66 142	12 016	-66 248	0,2	0,0	-106	0,2%
Loans to private entrepreneurs	161 968	5 591	157 332	0,0	0,0	-4 636	-2,9%
up to 1 year	2 700	300	2 400	0,1	0,0	-300	-11,1%
up to 3 years	60 538	2 669	57 869	0,0	0,0	-2 669	-4,4%
more than 3 years	99 271	2 173	97 098	0,0	0,0	-2 173	-2,2%
Past-due	11 693	67	11 760	0,0	0,0	67	0,6%
Provision for impairment of loans to private entrepreneurs	-12 234	907	-11 795	0,1	0,0	439	-3,6%
Loans to individuals	107 949	2 909	105 281	0,0	0,0	-2 668	-2,5%
Standard	108 579	1 492	107 087	0,0	0,0	-1 492	-1,4%
up to 3 years	4 554	152	4 402	0,0	0,0	-152	-3,3%
more than 3 years	104 025	1 340	102 685	0,0	0,0	-1 340	-1,3%
Past-due	2 713	9	2 722	0,0	0,0	9	0,3%
Past-due	2 713	9	2 722	0,0	0,0	9	0,3%
Provision for impairment of loans to individuals	-3 343	1 417	-4 528	0,4	0,0	-1 185	35,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	87 192	34 686	86 814	0,4	0,0	-378	-0,4%
Mandatory reserves with Central Bank	1 280	34	1 246	0,0	0,0	-34	-2,7%
Premises and equipment	71 576	945	71 887	0,0	0,0	311	0,4%
Purchase cost	107 733	945	108 678	0,0	0,0	945	0,9%
Depreciation	-36 157	634	-36 791	0,0	0,0	-634	1,8%
Accrued interest not yet received	2 523	10 268	2 421	4,1	0,0	-102	-4,0%
Other assets	4 446	20 282	4 606	4,6	0,0	160	3,6%
Provision for impairment of other assets	-3 194	3 628	-4 449	1,1	0,0	-1 255	39,3%
Deferred tax asset	10 561	542	11 103	0,1	0,0	542	5,1%
LIABILITIES	769 363	1 269 250	688 948	1,6	1,0	-80 415	-10,5%
On demand	397 607	1 185 559	319 154	3,0	0,9	-78 453	-19,7%
Corporate clients	386 554	1 132 858	305 624	2,9	0,9	-80 930	-20,9%
Residents	386 554	1 129 337	305 624	2,9	0,9	-80 930	-20,9%
Non-residents	-	3 521	-	-	-	-	-
Individuals	11 053	55 178	13 530	5,0	0,0	2 477	22,4%
Residents	11 052	55 178	13 529	5,0	0,0	2 477	22,4%
Non-residents	1	-	1	0,0	0,0	-	0,0%
Term	353 261	33 724	347 627	0,1	0,0	-5 634	-1,6%
Individuals	353 261	33 724	347 627	0,1	0,0	-5 634	-1,6%
residents	353 261	33 724	347 627	0,1	0,0	-5 634	-1,6%
up to 180 days	7 580	7 820	3 062	1,0	0,0	-4 518	-59,6%
up to 1 year	26 856	6 344	26 045	0,2	0,0	-811	-3,0%
up to 3 years	187 088	9 246	184 339	0,0	0,0	-2 749	-1,5%
more than 3 years	131 737	12 758	134 181	0,1	0,0	2 444	1,9%
Other liabilities	18 495	53 639	22 167	2,9	0,0	3 672	19,9%
Other liabilities	12 052	49 294	13 188	4,1	0,0	1 136	9,4%
Accrued interest not yet paid	1 767	1 809	1 659	1,0	0,0	-108	-6,1%
Liabilities past-due	-	528	528	-	-	528	-
Deferred tax liabilities	4 676	2 116	6 792	0,5	0,0	2 116	45,3%
EQUITY	572 430	847 009	573 078	1,5	0,7	648	0,1%
Capital	219 224	-	219 224	0,0	0,0	-	0,0%
Profit from previous years	305 358	442 212	352 322	1,4	0,4	46 964	15,4%
Retained earnings from previous years	305 358	442 212	352 322	1,4	0,4	46 964	15,4%
Current year profit	47 848	451 113	1 532	9,4	0,4	-46 316	-96,8%
Current year retained earnings	47 848	451 113	1 532	9,4	0,4	-46 316	-96,8%
OFF-BALANCE SHEET	1 359 872	163 976	1 325 099	0,1	0,1	-34 773	-2,6%
Contingent liabilities	-87 830	45 216	-81 603	0,5	0,0	6 227	-7,1%
Unused credit limits opened	-87 830	45 216	-81 603	0,5	0,0	6 227	-7,1%
Collateral on loans	1 449 684	114 099	1 406 415	0,1	0,1	-43 269	-3,0%
goods	1 449 684	114 099	1 406 415	0,1	0,1	-43 269	-3,0%
Unprocessed payments	61 908	4 661	64 177	0,1	0,0	2 269	3,7%
Due to lack of funds on client accounts	61 908	4 661	64 177	0,1	0,0	2 269	3,7%
Other off-balance sheet accounts	-63 890	-	-63 890	0,0	0,0	-	0,0%
Written-off interest	-8 181	-	-8 181	0,0	0,0	-	0,0%
Written-off loans to banks	-17	-	-17	0,0	0,0	-	0,0%
Written-off loans	-55 692	-	-55 692	0,0	0,0	-	0,0%
Past due ratio, total	536	-	562	0,0	0,0	26	4,9%
Past due ratio, individuals	244	-	248	0,0	0,0	4	1,6%
Past due ratio, corporates	558	-	593	0,0	0,0	35	6,3%
Past due ratio, entrepreneurs	671	-	695	0,0	0,0	24	3,6%
Past due ratio, corporates + entrepreneurs	592	-	625	0,0	0,0	33	5,6%
Risk-weighted assets	1 173 132	-	1 159 638	0,0	0,0	-13 494	-1,2%