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

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	LOKO-BANK	add to comparison
Central Bank of Russia registration number: 2707 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	551 726 596	483 206 674	459 836 099	337 075 621	-214 650 975	-38,9%
High liquid assets	118 160 449	140 135 303	153 575 458	91 737 306	-26 423 143	-22,4%
Cash and equivalents	63 511 828	62 293 457	61 160 971	37 392 244	-26 119 584	-41,1%
Cash	13 494 109	8 397 871	10 853 474	7 235 927	-6 258 182	-46,4%
in cash and en route	13 070 725	7 990 971	10 343 567	6 998 182	-6 072 543	-46,5%
in ATMs	423 384	406 900	509 907	237 745	-185 639	-43,8%
Nostro account with Central Bank	50 017 719	53 895 586	50 307 497	30 156 317	-19 861 402	-39,7%
Nostro accounts	16 595 016	12 264 520	25 699 870	17 518 683	923 667	5,6%
Non-residents	5 437 287	4 143 833	9 354 651	4 366 539	-1 070 748	-19,7%
Residents	11 157 729	8 120 687	16 345 219	13 152 144	1 994 415	17,9%
Money in transfer	38 051 090	65 575 808	66 712 248	36 823 741	-1 227 349	-3,2%
Provision for impairment of high-liquid assets	2 515	1 518	2 369	2 638	123	4,9%
Interest-earning assets	188 645 812	167 082 338	144 227 416	135 060 111	-53 585 701	-28,4%
Dues from banks	112 703 983	140 100 059	113 309 312	65 643 401	-47 060 582	-41,8%
Residents	112 703 983	140 100 059	113 309 312	65 643 401	-47 060 582	-41,8%
up to 30 days	112 703 983	140 100 059	113 309 312	65 643 401	-47 060 582	-41,8%
Securities	67 708 130	19 764 049	22 369 876	64 106 317	-3 601 813	-5,3%
Bonds	67 708 130	19 764 049	22 369 876	64 106 317	-3 601 813	-5,3%
Federal Loan Bonds (OFZs), OBRs	47 221 073	13 128 725	21 296 399	54 599 351	7 378 278	15,6%
Corporate bonds	1 773 273	1 838 503	318 557	70 080	-1 703 193	-96,0%
Financial institutions bonds	599 471	3 306 654	290 157	55 238	-544 233	-90,8%
Foreign sovereign bonds	24 319	1 022 368	36 054	67 809	43 490	178,8%
Corporate foreign bonds	238 600	119 948	38 505	73 071	-165 529	-69,4%
Foreign financial institutions bonds	-	171 339	-	-	-	-
Valuation allowance	341 656	174 064	383 185	1 177 490	835 834	244,6%
Pledged under REPO	17 509 287	1 409	-	8 047 143	-9 462 144	-54,0%
Provision for impairment of bonds	451	1 039	7 019	16 135	15 684	3 477,6%
Loans to corporate clients	3 320 493	2 849 393	3 861 593	2 351 594	-968 899	-29,2%
residents	3 187 249	2 208 477	3 711 379	2 260 428	-926 821	-29,1%
up to 30 days	2 104	39 334	628 921	-	-2 104	-100,0%
up to 180 days	2 311 656	1 172 675	2 647 963	1 855 463	-456 193	-19,7%
up to 1 year	835 791	869 053	353 059	235 620	-600 171	-71,8%
up to 3 years	37 698	11 827	791	144 109	106 411	282,3%
more than 3 years	-	115 588	80 645	25 236	25 236	-
Past-due	7 955	286 479	16 823	10 917	2 962	37,2%
residents	7 955	286 479	16 823	10 917	2 962	37,2%
Provision for impairment of corporate loans	125 289	354 437	133 391	80 249	-45 040	-35,9%
residents	125 289	354 437	133 391	80 249	-45 040	-35,9%
Loans to private entrepreneurs	4 075	3 536	14 814	2 971	-1 104	-27,1%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	672	704	602	690	18	2,7%
Provision for impairment of loans to private entrepreneurs	3 403	2 832	14 212	2 281	-1 122	-33,0%
Loans to individuals	4 909 131	4 365 301	4 671 821	2 955 828	-1 953 303	-39,8%
Standard	3 668 320	3 062 895	3 287 028	1 878 590	-1 789 730	-48,8%
up to 30 days	1 142	2 866	1 090	3 016	1 874	164,1%
up to 180 days	36 954	39 132	38 568	26 674	-10 280	-27,8%
up to 1 year	306 430	195 133	246 131	77 784	-228 646	-74,6%
up to 3 years	206 429	236 448	280 566	158 092	-48 337	-23,4%
more than 3 years	3 117 365	2 589 316	2 720 673	1 613 024	-1 504 341	-48,3%
Past-due	275 467	286 383	248 170	234 919	-40 548	-14,7%
Past-due	275 467	286 383	248 170	234 919	-40 548	-14,7%
Provision for impairment of loans to individuals	965 344	1 016 023	1 136 623	842 319	-123 025	-12,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	244 920 335	175 989 033	162 033 225	110 278 204	-134 642 131	-55,0%
Mandatory reserves with Central Bank	-	13 181	14 173	-	-	-
Premises and equipment	39 146 868	28 064 855	31 068 937	19 340 859	-19 806 009	-50,6%
Purchase cost	39 132 284	28 060 068	31 064 318	19 330 364	-19 801 920	-50,6%
Depreciation	14 584	4 787	4 619	10 495	-4 089	-28,0%
Accrued interest not yet received	912 754	790 719	882 581	907 294	-5 460	-0,6%
Other assets	204 403 419	146 807 463	129 888 181	89 749 057	-114 654 362	-56,1%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	457 293	312 815	179 353	280 994	-176 299	-38,6%
Deferred tax asset	1	-	-	-	-1	-100,0%
LIABILITIES	1 127 613 988	1 091 450 507	1 176 881 587	602 211 873	-525 402 115	-46,6%
Dues to banks	474 335 216	395 873 543	430 161 481	207 890 466	-266 444 750	-56,2%
On demand	2	1	1	2	-	0,0%
Residents	2	1	1	2	-	0,0%
Term	474 328 834	395 864 503	430 141 383	207 631 868	-266 696 966	-56,2%
Residents	474 328 834	395 864 503	430 141 383	207 631 868	-266 696 966	-56,2%
up to 30 days	474 328 813	395 864 503	430 141 383	207 631 868	-266 696 945	-56,2%
Past-due	21	-	-	-	-21	-100,0%
Other dues to banks	6 380	9 039	20 097	258 596	252 216	3 953,2%
On demand	76 705 239	125 011 138	135 693 355	76 378 882	-326 357	-0,4%
Corporate clients	57 124 617	93 933 179	107 173 632	60 675 076	3 550 459	6,2%
Residents	56 151 793	88 200 391	102 771 451	58 645 883	2 494 090	4,4%
Non-residents	972 824	5 732 788	4 402 181	2 029 193	1 056 369	108,6%
Individuals	19 445 980	31 073 254	27 408 585	15 633 700	-3 812 280	-19,6%
Residents	19 403 854	31 055 549	27 246 949	15 615 473	-3 788 381	-19,5%
Non-residents	42 126	17 705	161 636	18 227	-23 899	-56,7%
Brokerage accounts	134 642	4 705	1 111 138	70 106	-64 536	-47,9%
Residents	134 642	4 705	1 111 138	70 106	-64 536	-47,9%
Term	24 211 747	62 568 152	46 275 364	37 700 824	13 489 077	55,7%
Corporate clients	20 132 995	52 271 010	39 861 357	33 646 568	13 513 573	67,1%
Residents	20 132 995	52 271 010	39 861 357	32 337 131	12 204 136	60,6%
up to 30 days	19 545 431	51 207 361	39 656 597	31 789 393	12 243 962	62,6%
up to 180 days	290 237	922 723	148 962	530 564	240 327	82,8%
up to 1 year	295 237	61 297	46 097	17 174	-278 063	-94,2%
up to 3 years	2 090	79 629	1 701	-	-2 090	-100,0%
more than 3 years	-	-	8 000	-	-	-
Non-residents	-	-	-	1 309 437	1 309 437	-
up to 30 days	-	-	-	1 309 437	1 309 437	-
Individuals	4 078 752	10 297 142	6 414 007	4 054 256	-24 496	-0,6%
residents	4 078 691	10 291 025	6 352 561	4 047 615	-31 076	-0,8%
up to 180 days	22 999	49 009	50 526	33 249	10 250	44,6%
up to 1 year	83 516	46 184	218 938	142 293	58 777	70,4%
up to 3 years	2 305 018	7 839 510	2 717 024	1 608 569	-696 449	-30,2%
more than 3 years	1 667 158	2 356 322	3 366 073	2 263 504	596 346	35,8%
non-residents	61	6 117	61 446	6 641	6 580	10 786,9%
up to 3 years	38	2 367	23 713	6 197	6 159	16 207,9%
more than 3 years	23	3 750	37 733	444	421	1 830,4%
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Other liabilities	552 361 786	507 997 674	564 751 387	280 241 701	-272 120 085	-49,3%
Other liabilities	551 721 248	507 311 530	564 122 862	279 571 209	-272 150 039	-49,3%
Accrued interest not yet paid	638 468	686 144	628 525	667 333	28 865	4,5%
Derivatives - liabilities	-	-	-	3 159	3 159	-
Deferred tax liabilities	2 070	-	-	-	-2 070	-100,0%
EQUITY	4 127 845	4 913 000	4 046 078	111 334 173	107 206 328	2 597,2%
Capital	-	54 930	35 900	13 204	13 204	-
Profit from previous years	-	-	-	52 084 793	52 084 793	-
Retained earnings from previous years	-	-	-	52 084 793	52 084 793	-
Current year profit	4 127 845	4 858 070	4 010 178	59 236 176	55 108 331	1 335,0%
Current year retained earnings	4 127 845	4 858 070	4 010 178	59 236 176	55 108 331	1 335,0%
OFF-BALANCE SHEET	24 590 340	27 797 497	29 380 122	30 840 986	6 250 646	25,4%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	20 461 011	19 958 284	21 130 875	27 885 107	7 424 096	36,3%
Guarantees issued	8 135 664	3 653 904	4 542 386	9 593 507	1 457 843	17,9%
Unused credit limits opened	7 575 262	5 731 013	6 619 308	4 670 295	-2 904 967	-38,3%
Unused guarantee limits	4 750 085	10 573 367	9 969 181	13 621 305	8 871 220	186,8%
Collateral on loans	3 230 866	6 586 004	7 178 749	2 122 733	-1 108 133	-34,3%
goods	3 230 866	6 586 004	7 169 609	2 115 731	-1 115 135	-34,5%
securities	-	-	9 140	7 002	7 002	-
Unprocessed payments	898 090	1 237 199	1 019 897	831 928	-66 162	-7,4%
Due to lack of funds on client accounts	898 090	1 237 199	1 019 897	831 928	-66 162	-7,4%
Other off-balance sheet accounts	373	16 010	50 601	1 218	845	226,5%
Written-off interest	291	2 093	5 222	1 028	737	253,3%
Written-off loans	82	13 917	45 379	190	108	131,7%
Credit card balances	1 142	2 866	1 090	3 016	1 874	164,1%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-