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

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	OPM-BANK	add to comparison
Central Bank of Russia registration number: 2734 retail funding

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	21 840 891	25 250 919	23 554 106	23 554 106	1 713 215	7,8%
High liquid assets	12 942 837	12 773 244	13 796 530	13 796 530	853 693	6,6%
Cash and equivalents	10 130 563	11 072 247	12 164 773	12 164 773	2 034 210	20,1%
Cash	3 855 916	4 435 709	5 241 699	5 241 699	1 385 783	35,9%
in cash and en route	3 833 677	4 416 321	5 225 695	5 225 695	1 392 018	36,3%
in ATMs	22 239	19 388	16 004	16 004	-6 235	-28,0%
Nostro account with Central Bank	6 274 647	6 636 538	6 923 074	6 923 074	648 427	10,3%
Nostro accounts	747 471	620 380	544 243	544 243	-203 228	-27,2%
Non-residents	585 106	434 129	332 120	332 120	-252 986	-43,2%
Residents	162 365	186 251	212 123	212 123	49 758	30,6%
Money in transfer	1 641 419	891 408	867 303	867 303	-774 116	-47,2%
Exchange accounts	422 670	189 101	220 152	220 152	-202 518	-47,9%
Provision for impairment of high-liquid assets	714	108	59	59	-655	-91,7%
Interest-earning assets	1 810 066	1 638 943	4 758 026	4 758 026	2 947 960	162,9%
Dues from banks	136 674	14 477	242 279	242 279	105 605	77,3%
Central Bank of Russia	100 000	-	200 000	200 000	100 000	100,0%
Residents	36 674	14 475	42 277	42 277	5 603	15,3%
up to 30 days	36 674	14 475	42 277	42 277	5 603	15,3%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	2	2	2	2	-
Securities	556 992	476 102	475 971	475 971	-81 021	-14,5%
Bonds	530 414	473 140	475 231	475 231	-55 183	-10,4%
Federal Loan Bonds (OFZs), OBRs	47 544	46 576	58 786	58 786	11 242	23,6%
Corporate bonds	42 333	42 671	54 024	54 024	11 691	27,6%
Financial institutions bonds	144 671	145 654	141 529	141 529	-3 142	-2,2%
Valuation allowance	2 669	2 809	2 245	2 245	-424	-15,9%
Pledged under REPO	293 197	235 430	218 647	218 647	-74 550	-25,4%
Stocks	26 578	2 962	740	740	-25 838	-97,2%
Residents	26 422	2 850	698	698	-25 724	-97,4%
Valuation allowance	156	112	42	42	-114	-73,1%
Loans to corporate clients	1 077 476	1 129 653	3 976 696	3 976 696	2 899 220	269,1%
residents	1 008 458	1 037 733	1 018 062	1 018 062	9 604	1,0%
up to 30 days	302 588	287 902	230 128	230 128	-72 460	-23,9%
up to 180 days	60 540	57 028	17 209	17 209	-43 331	-71,6%
up to 1 year	93 127	108 053	238 054	238 054	144 927	155,6%
up to 3 years	527 440	563 520	497 280	497 280	-30 160	-5,7%
more than 3 years	24 763	21 230	35 391	35 391	10 628	42,9%
Past-due	672	19 496	3 426	3 426	2 754	409,8%
residents	672	19 496	3 426	3 426	2 754	409,8%
Provision for impairment of corporate loans	68 346	72 424	2 955 208	2 955 208	2 886 862	4 223,9%
residents	68 346	72 424	2 955 208	2 955 208	2 886 862	4 223,9%
Loans to private entrepreneurs	2 606	1 879	3 131	3 131	525	20,1%
up to 30 days	2 606	1 879	3 131	3 131	525	20,1%
up to 3 years	-	-	-	-	-	-
Loans to individuals	36 318	16 832	59 949	59 949	23 631	65,1%
Standard	29 930	7 416	6 995	6 995	-22 935	-76,6%
up to 30 days	1 135	860	1 087	1 087	-48	-4,2%
up to 180 days	-	2 000	-	-	-	-
up to 1 year	60	-	-	-	-60	-100,0%
up to 3 years	28 735	4 556	5 907	5 907	-22 828	-79,4%
more than 3 years	-	-	1	1	1	-
Past-due	2 494	1 990	871	871	-1 623	-65,1%
Past-due	2 494	1 990	871	871	-1 623	-65,1%
Provision for impairment of loans to individuals	3 894	7 426	52 083	52 083	48 189	1 237,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	7 087 988	10 838 732	4 999 550	4 999 550	-2 088 438	-29,5%
Mandatory reserves with Central Bank	3 699	209	228 215	228 215	224 516	6 069,6%
Premises and equipment	35 849	11 489	26 872	26 872	-8 977	-25,0%
Purchase cost	35 367	11 482	26 811	26 811	-8 556	-24,2%
Depreciation	482	7	61	61	-421	-87,3%
Accrued interest not yet received	4 763	18 216	7 503	7 503	2 740	57,5%
Non-current assets	-	-	121 421	121 421	121 421	-
Other assets	6 979 859	10 685 400	4 501 942	4 501 942	-2 477 917	-35,5%
Provision for impairment of other assets	63 818	123 418	113 597	113 597	49 779	78,0%
LIABILITIES	16 204 476	19 996 792	15 774 530	15 774 530	-429 946	-2,7%
Dues to banks	274 329	385 448	532 871	532 871	258 542	94,2%
On demand	3 585	3 844	4 604	4 604	1 019	28,4%
Residents	3 585	3 844	4 604	4 604	1 019	28,4%
Term	270 744	378 540	472 380	472 380	201 636	74,5%
Central Bank of Russia	180 744	183 540	202 380	202 380	21 636	12,0%
other	180 744	183 540	202 380	202 380	21 636	12,0%
Residents	90 000	195 000	270 000	270 000	180 000	200,0%
up to 30 days	90 000	195 000	270 000	270 000	180 000	200,0%
Other dues to banks	-	3 064	55 887	55 887	55 887	-
On demand	7 579 083	10 230 823	9 003 844	9 003 844	1 424 761	18,8%
Corporate clients	6 916 304	8 122 812	7 450 376	7 450 376	534 072	7,7%
State-owned enterprises	64 661	78 519	117 736	117 736	53 075	82,1%
Residents	6 791 175	7 976 441	7 269 812	7 269 812	478 637	7,0%
Non-residents	60 468	67 852	62 828	62 828	2 360	3,9%
Individuals	662 779	2 108 011	1 551 472	1 551 472	888 693	134,1%
Residents	660 113	2 103 181	1 544 474	1 544 474	884 361	134,0%
Non-residents	2 666	4 830	6 998	6 998	4 332	162,5%
Brokerage accounts	-	-	1 996	1 996	1 996	-
Residents	-	-	1 996	1 996	1 996	-
Non-residents	-	-	-	-	-	-
Term	1 798 633	3 128 175	2 535 005	2 535 005	736 372	40,9%
Corporate clients	168 038	230 375	321 040	321 040	153 002	91,1%
Residents	24 773	129 300	169 900	169 900	145 127	585,8%
up to 30 days	13 000	30 500	22 000	22 000	9 000	69,2%
up to 180 days	3 000	51 500	12 200	12 200	9 200	306,7%
up to 1 year	8 773	-	3 000	3 000	-5 773	-65,8%
up to 3 years	-	47 300	132 700	132 700	132 700	-
Non-residents	119 231	79 940	122 303	122 303	3 072	2,6%
more than 3 years	119 231	79 940	122 303	122 303	3 072	2,6%
State-owned enterprises	24 034	21 135	28 837	28 837	4 803	20,0%
up to 3 years	24 034	21 135	28 837	28 837	4 803	20,0%
Individuals	1 630 595	2 897 800	2 213 965	2 213 965	583 370	35,8%
residents	1 624 208	2 890 136	2 201 396	2 201 396	577 188	35,5%
up to 180 days	415 825	1 891 278	1 067 940	1 067 940	652 115	156,8%
up to 1 year	-	1 225	339	339	339	-
up to 3 years	1 085 238	874 010	1 059 116	1 059 116	-26 122	-2,4%
more than 3 years	123 145	123 623	74 001	74 001	-49 144	-39,9%
non-residents	6 387	7 664	12 569	12 569	6 182	96,8%
up to 180 days	2 667	5 600	5 698	5 698	3 031	113,6%
up to 1 year	166	113	699	699	533	321,1%
up to 3 years	3 554	1 951	6 172	6 172	2 618	73,7%
more than 3 years	-	-	-	-	-	-
Securities issued	45 989	23 317	37 481	37 481	-8 508	-18,5%
Promissory notes	45 989	23 317	37 481	37 481	-8 508	-18,5%
on demand	43 559	14 664	11 978	11 978	-31 581	-72,5%
up to 180 days	-	7 000	23 000	23 000	23 000	-
up to 1 year	2 430	1 653	2 503	2 503	73	3,0%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Other liabilities	6 506 442	6 229 029	3 665 329	3 665 329	-2 841 113	-43,7%
Other liabilities	6 458 230	6 183 584	3 625 698	3 625 698	-2 832 532	-43,9%
Accrued interest not yet paid	48 212	45 445	29 209	29 209	-19 003	-39,4%
Deferred tax liabilities	-	-	10 422	10 422	10 422	-
EQUITY	1 779 410	1 494 144	5 063 295	5 063 295	3 283 885	184,5%
Capital	2 098	1 676	594	594	-1 504	-71,7%
Profit from previous years	-	-	102 183	102 183	102 183	-
Retained earnings from previous years	-	-	102 183	102 183	102 183	-
Current year profit	1 771 539	1 489 865	4 957 835	4 957 835	3 186 296	179,9%
Current year retained earnings	1 771 539	1 489 865	4 957 835	4 957 835	3 186 296	179,9%
Future expenses	5 773	2 603	2 683	2 683	-3 090	-53,5%
OFF-BALANCE SHEET	1 395 068	1 086 985	971 635	971 635	-423 433	-30,4%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	1 020 370	852 531	769 574	769 574	-250 796	-24,6%
Guarantees issued	175 868	49 168	11 776	11 776	-164 092	-93,3%
Unused credit limits opened	844 502	803 363	757 798	757 798	-86 704	-10,3%
Collateral on loans	29 919	176 790	43 581	43 581	13 662	45,7%
goods	29 919	176 790	43 581	43 581	13 662	45,7%
securities	-	-	-	-	-	-
Unprocessed payments	333 564	44 242	148 527	148 527	-185 037	-55,5%
Due to lack of funds on client accounts	333 564	44 242	148 527	148 527	-185 037	-55,5%
Other off-balance sheet accounts	11 215	13 422	9 953	9 953	-1 262	-11,3%
Accrued interest not yet received	11 215	13 422	9 697	9 697	-1 518	-13,5%
Written-off interest	-	-	69	69	69	-
Written-off loans	-	-	187	187	187	-
Credit card balances	1 135	860	1 087	1 087	-48	-4,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-