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

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	BM-BANK	add to comparison
Central Bank of Russia registration number: 2748 state-controlled, under US sanctions, under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	1 026 043 248	553 343 745	1 810 970 451	1 292 164 382	266 121 134	25,9%
High liquid assets	523 387 116	279 567 432	995 297 681	518 688 864	-4 698 252	-0,9%
Cash and equivalents	15 792 857	11 802 954	107 212 521	37 248 472	21 455 615	135,9%
Cash	56 361	59 107	88 956	227 037	170 676	302,8%
in cash and en route	56 361	59 107	88 956	227 037	170 676	302,8%
Nostro account with Central Bank	15 736 496	11 743 847	107 123 565	37 021 435	21 284 939	135,3%
Nostro accounts	487 474 295	248 864 354	831 191 116	480 101 993	-7 372 302	-1,5%
Residents	487 474 295	248 864 354	831 191 116	480 101 993	-7 372 302	-1,5%
Money in transfer	20 119 964	18 900 124	56 894 044	1 338 399	-18 781 565	-93,3%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	254 323 808	87 871 144	447 617 984	98 154 309	-156 169 499	-61,4%
Dues from banks	243 637 678	75 833 461	412 477 127	83 925 979	-159 711 699	-65,6%
Residents	243 359 760	75 659 557	412 287 411	83 721 825	-159 637 935	-65,6%
up to 30 days	136 264 200	56 871 600	279 594 100	58 156 300	-78 107 900	-57,3%
up to 180 days	107 095 560	17 532 700	132 693 311	23 565 525	-83 530 035	-78,0%
more than 180 days	-	1 255 257	-	2 000 000	2 000 000	-
Non-residents	100 000	-	-	44 975	-55 025	-55,0%
up to 30 days	-	-	-	44 975	44 975	-
more than 180 days	100 000	-	-	-	-100 000	-100,0%
Provision for impairment of loans to banks	177 918	173 904	189 716	159 179	-18 739	-10,5%
Securities	2 944 832	5 300 869	25 847 627	5 587 195	2 642 363	89,7%
Bonds	2 921 353	5 277 789	25 825 523	5 561 610	2 640 257	90,4%
Federal Loan Bonds (OFZs), OBRs	921 457	1 098 475	922 123	2 463 289	1 541 832	167,3%
Financial institutions bonds	1 519 124	3 456 462	23 944 040	1 162 233	-356 891	-23,5%
Valuation allowance	480 772	516 592	959 360	1 936 088	1 455 316	302,7%
Pledged under REPO	-	206 260	-	-	-	-
Stocks	23 479	23 080	22 104	25 585	2 106	9,0%
Residents	-	-	-	-	-	-
Valuation allowance	23 479	23 080	22 104	25 585	2 106	9,0%
Mutual funds	-	-	-	-	-	-
Loans to corporate clients	7 563 248	6 473 468	9 101 490	6 885 818	-677 430	-9,0%
residents	1 392 312	1 006 813	458 706	682 004	-710 308	-51,0%
up to 30 days	83 550	62 746	143 706	62 227	-21 323	-25,5%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	944 067	315 000	143 805	143 805	-
up to 3 years	-	-	-	289 922	289 922	-
more than 3 years	1 308 762	-	-	186 050	-1 122 712	-85,8%
state-owned enterprises	-	70 000	-	555 700	555 700	-
up to 180 days	-	70 000	-	-	-	-
more than 3 years	-	-	-	555 700	555 700	-
Past-due	549 007	1 814 405	1 471 185	3 374 793	2 825 786	514,7%
residents	36 439	114 165	725 205	1 729 252	1 692 813	4 645,6%
non-residents	512 510	1 700 209	745 952	1 645 537	1 133 027	221,1%
state-owned enterprises	58	31	28	4	-54	-93,1%
Provision for impairment of corporate loans	5 621 929	3 582 250	7 171 599	2 273 321	-3 348 608	-59,6%
residents	4 895 943	3 210 364	6 556 373	2 017 904	-2 878 039	-58,8%
non-residents	719 497	367 598	608 093	249 857	-469 640	-65,3%
state-owned enterprises	6 489	4 288	7 133	5 560	-929	-14,3%
Loans to private entrepreneurs	22 099	18 132	8 097	243 798	221 699	1 003,2%
up to 3 years	-	-	-	51 249	51 249	-
more than 3 years	-	-	-	109 362	109 362	-
Past-due	634	344	556	65 064	64 430	10 162,5%
Provision for impairment of loans to private entrepreneurs	21 465	17 788	7 541	18 123	-3 342	-15,6%
Loans to individuals	155 951	245 214	183 643	1 511 519	1 355 568	869,2%
Standard	35 013	38 319	21 544	886 029	851 016	2 430,6%
up to 30 days	23 512	13 425	12 519	177 744	154 232	656,0%
up to 3 years	-	-	-	188	188	-
more than 3 years	11 501	24 894	9 025	708 097	696 596	6 056,8%
Past-due	17 061	94 004	38 181	247 886	230 825	1 352,9%
Past-due	17 061	94 004	38 181	247 886	230 825	1 352,9%
Provision for impairment of loans to individuals	103 877	112 891	123 918	377 604	273 727	263,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	248 332 324	185 905 169	368 054 786	675 321 209	426 988 885	171,9%
Mandatory reserves with Central Bank	-	-	-	79 972	79 972	-
Premises and equipment	1 752 942	4 674 137	5 226 971	10 628 144	8 875 202	506,3%
Purchase cost	1 681 775	4 558 516	4 931 248	10 576 513	8 894 738	528,9%
Depreciation	71 167	115 621	295 723	51 631	-19 536	-27,5%
Accrued interest not yet received	2 169 944	1 426 418	1 573 882	1 668 185	-501 759	-23,1%
Other assets	243 632 372	178 919 558	356 429 473	636 372 880	392 740 508	161,2%
Investments in subsidiaries	-	-	1 342 400	-	-	-
Provision for impairment of other assets	605 687	270 734	2 906 563	810 287	204 600	33,8%
Derivatives - assets	171 379	614 322	575 497	1 331 753	1 160 374	677,1%
Deferred tax asset	-	-	-	24 429 988	24 429 988	-
LIABILITIES	251 256 166	186 603 805	405 893 105	545 811 841	294 555 675	117,2%
Dues to banks	52 785	21 811	26 294 115	50 781	-2 004	-3,8%
Term	-	-	26 257 361	-	-	-
Residents	-	-	26 257 361	-	-	-
more than 180 days	-	-	26 257 361	-	-	-
Other dues to banks	52 785	21 811	36 754	50 781	-2 004	-3,8%
On demand	5 019 676	3 498 999	4 576 846	2 173 098	-2 846 578	-56,7%
Corporate clients	3 829 378	2 606 007	3 960 368	1 383 685	-2 445 693	-63,9%
State-owned enterprises	19 788	16 743	11 881	768	-19 020	-96,1%
Residents	3 808 368	2 588 741	3 947 795	1 382 208	-2 426 160	-63,7%
Non-residents	1 222	523	692	709	-513	-42,0%
Individuals	1 190 298	892 992	616 478	789 413	-400 885	-33,7%
Residents	1 129 225	886 765	609 678	786 968	-342 257	-30,3%
Non-residents	61 073	6 227	6 800	2 445	-58 628	-96,0%
Term	6 761 538	7 465 279	5 356 822	9 434 579	2 673 041	39,5%
Corporate clients	5 956 848	6 974 358	5 001 950	8 949 765	2 992 917	50,2%
Residents	5 954 527	6 774 358	5 001 950	8 855 766	2 901 239	48,7%
up to 30 days	2 801 100	4 035 100	1 273 600	3 974 400	1 173 300	41,9%
up to 180 days	2 053 500	2 736 095	3 718 500	4 861 400	2 807 900	136,7%
up to 1 year	1 099 927	-	-	-	-1 099 927	-100,0%
up to 3 years	-	3 163	9 850	19 695	19 695	-
more than 3 years	-	-	-	271	271	-
State-owned enterprises	2 321	200 000	-	93 999	91 678	3 949,9%
up to 30 days	-	200 000	-	-	-	-
more than 3 years	2 321	-	-	93 999	91 678	3 949,9%
Individuals	804 690	490 921	354 872	484 814	-319 876	-39,8%
residents	756 139	486 261	353 105	483 160	-272 979	-36,1%
up to 180 days	548	1 147	416	217	-331	-60,4%
up to 1 year	66 596	24 527	31 058	10 749	-55 847	-83,9%
up to 3 years	681 802	451 843	315 979	468 867	-212 935	-31,2%
more than 3 years	7 193	8 744	5 652	3 327	-3 866	-53,7%
non-residents	48 551	4 660	1 767	1 654	-46 897	-96,6%
up to 180 days	1	-	-	-	-1	-100,0%
up to 1 year	298	1 178	217	14	-284	-95,3%
up to 3 years	48 222	3 035	1 549	1 640	-46 582	-96,6%
more than 3 years	30	447	1	-	-30	-100,0%
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Depositary certificates	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Other liabilities	239 422 167	175 617 716	369 665 322	534 153 383	294 731 216	123,1%
Other liabilities	238 897 067	175 372 708	354 997 955	532 313 936	293 416 869	122,8%
Accrued interest not yet paid	77 988	62 625	14 448 787	92 616	14 628	18,8%
Derivatives - liabilities	447 112	176 105	218 580	682 165	235 053	52,6%
Deferred tax liabilities	-	6 278	-	1 064 666	1 064 666	-
EQUITY	12 468 679	10 457 683	14 741 696	461 203 196	448 734 517	3 598,9%
Capital	954 661	606 854	1 820 695	3 742 459	2 787 798	292,0%
Profit from previous years	-	-	-	219 639 900	219 639 900	-
Retained earnings from previous years	-	-	-	219 639 900	219 639 900	-
Current year profit	11 514 018	9 850 829	12 921 001	237 820 837	226 306 819	1 965,5%
Current year retained earnings	11 514 018	9 850 829	12 921 001	237 820 837	226 306 819	1 965,5%
OFF-BALANCE SHEET	7 360 533	13 937 639	6 591 440	20 048 062	12 687 529	172,4%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	156 345	1 465 968	305 123	6 086 476	5 930 131	3 793,0%
Guarantees issued	887	104 863	33 719	1 829 951	1 829 064	206 207,9%
Unused credit limits opened	153 061	188 631	189 255	147 727	-5 334	-3,5%
Unused guarantee limits	2 397	1 172 474	82 149	4 108 798	4 106 401	171 314,2%
Collateral on loans	4 030 262	1 499 534	1 022 777	1 432 000	-2 598 262	-64,5%
goods	3 977 442	1 228 539	913 741	869 129	-3 108 313	-78,1%
securities	52 820	270 995	109 036	562 871	510 051	965,6%
Unprocessed payments	339 911	372 273	359 782	2 950 064	2 610 153	767,9%
Due to lack of funds on client accounts	339 911	372 273	359 782	2 950 064	2 610 153	767,9%
Other off-balance sheet accounts	2 834 015	10 599 864	4 903 758	9 579 522	6 745 507	238,0%
Written-off interest	869 275	3 519 227	1 552 117	3 111 333	2 242 058	257,9%
Written-off loans	1 964 740	7 080 637	3 351 641	6 468 189	4 503 449	229,2%
Credit card balances	23 512	13 425	12 519	177 744	154 232	656,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-