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

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	NOVOKUZNETSKIY MUNICIPALNIY BANK	add to comparison
Central Bank of Russia registration number: 2865

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	19 550 205	19 500 027	18 054 872	18 054 872	-1 495 333	-7,6%
High liquid assets	15 452 553	17 071 843	15 099 780	15 099 780	-352 773	-2,3%
Cash and equivalents	12 121 977	13 001 623	12 510 282	12 510 282	388 305	3,2%
Cash	5 254 083	5 641 466	5 686 663	5 686 663	432 580	8,2%
in cash and en route	4 651 569	4 936 043	5 030 169	5 030 169	378 600	8,1%
in ATMs	602 514	705 423	656 494	656 494	53 980	9,0%
Nostro account with Central Bank	6 867 894	7 360 157	6 823 619	6 823 619	-44 275	-0,6%
Nostro accounts	2 592 144	2 653 068	1 750 883	1 750 883	-841 261	-32,5%
Residents	2 592 144	2 653 068	1 750 883	1 750 883	-841 261	-32,5%
Money in transfer	697 429	1 383 152	802 615	802 615	105 186	15,1%
Exchange accounts	41 000	34 000	36 000	36 000	-5 000	-12,2%
Provision for impairment of high-liquid assets	3	-	-	-	-3	-100,0%
Interest-earning assets	2 825 854	1 770 177	1 941 709	1 941 709	-884 145	-31,3%
Dues from banks	1 238 547	750 329	600 473	600 473	-638 074	-51,5%
Residents	1 238 337	750 263	600 473	600 473	-637 864	-51,5%
up to 30 days	260 337	150 263	473	473	-259 864	-99,8%
up to 180 days	978 000	600 000	600 000	600 000	-378 000	-38,7%
more than 180 days	-	-	-	-	-	-
Provision for impairment of loans to banks	210	66	-	-	-210	-100,0%
Securities	676 439	765 494	819 989	819 989	143 550	21,2%
Bonds	113	-	-	-	-113	-100,0%
Financial institutions bonds	9	-	-	-	-9	-100,0%
Valuation allowance	104	-	-	-	-104	-100,0%
Promissory notes	676 285	755 228	819 748	819 748	143 463	21,2%
Corporate	300 000	-	-	-	-300 000	-100,0%
Banks	312 146	755 228	819 748	819 748	507 602	162,6%
Provision for impairment of promissory notes	64 139	-	-	-	-64 139	-100,0%
Stocks	41	10 266	241	241	200	487,8%
Residents	-	9 722	-	-	-	-
Valuation allowance	41	544	241	241	200	487,8%
Loans to corporate clients	763 234	48 233	391 892	391 892	-371 342	-48,7%
residents	727 600	16 900	275 000	275 000	-452 600	-62,2%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	4 000	4 000	4 000	-
more than 3 years	727 600	16 900	271 000	271 000	-456 600	-62,8%
Past-due	5 885	5 322	47 087	47 087	41 202	700,1%
residents	5 885	5 322	47 087	47 087	41 202	700,1%
Provision for impairment of corporate loans	29 749	26 011	69 805	69 805	40 056	134,6%
residents	29 749	26 011	69 805	69 805	40 056	134,6%
Loans to private entrepreneurs	954	2 668	3 610	3 610	2 656	278,4%
up to 3 years	933	2 646	739	739	-194	-20,8%
more than 3 years	-	-	2 722	2 722	2 722	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	21	22	149	149	128	609,5%
Loans to individuals	146 680	203 453	125 745	125 745	-20 935	-14,3%
Standard	139 132	157 513	66 177	66 177	-72 955	-52,4%
up to 30 days	9	524	51	51	42	466,7%
up to 180 days	155	123	24	24	-131	-84,5%
up to 1 year	2 588	2 254	1 405	1 405	-1 183	-45,7%
up to 3 years	41 200	39 323	35 808	35 808	-5 392	-13,1%
more than 3 years	95 180	115 289	28 889	28 889	-66 291	-69,6%
Past-due	2 801	2 130	2 795	2 795	-6	-0,2%
Past-due	2 801	2 130	2 795	2 795	-6	-0,2%
Provision for impairment of loans to individuals	4 747	43 810	56 773	56 773	52 026	1 096,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 271 798	658 007	1 013 383	1 013 383	-258 415	-20,3%
Mandatory reserves with Central Bank	180	263	4 056	4 056	3 876	2 153,3%
Premises and equipment	1 048 948	421 281	629 912	629 912	-419 036	-39,9%
Purchase cost	1 048 208	415 932	629 912	629 912	-418 296	-39,9%
Depreciation	740	5 349	-	-	-740	-100,0%
Accrued interest not yet received	58 745	68 859	62 015	62 015	3 270	5,6%
Non-current assets	-	9 600	-	-	-	-
Other assets	162 560	157 011	301 092	301 092	138 532	85,2%
Provision for impairment of other assets	1 365	993	16 308	16 308	14 943	1 094,7%
LIABILITIES	18 776 877	16 981 165	15 998 429	15 998 429	-2 778 448	-14,8%
Dues to banks	3 294 104	3 339 133	3 907 746	3 907 746	613 642	18,6%
On demand	1	515	-	-	-1	-100,0%
Residents	1	515	-	-	-1	-100,0%
Term	3 040 500	3 103 000	3 072 000	3 072 000	31 500	1,0%
Residents	3 040 500	3 103 000	3 072 000	3 072 000	31 500	1,0%
up to 30 days	2 761 500	2 727 000	2 692 000	2 692 000	-69 500	-2,5%
up to 180 days	279 000	341 000	380 000	380 000	101 000	36,2%
more than 180 days	-	35 000	-	-	-	-
Other dues to banks	253 603	235 618	835 746	835 746	582 143	229,5%
On demand	12 317 487	10 511 589	9 610 599	9 610 599	-2 706 888	-22,0%
Corporate clients	9 855 710	7 465 677	7 262 566	7 262 566	-2 593 144	-26,3%
State-owned enterprises	87 373	80 243	8 637	8 637	-78 736	-90,1%
Residents	9 740 966	7 358 194	7 232 060	7 232 060	-2 508 906	-25,8%
Non-residents	27 371	27 240	21 869	21 869	-5 502	-20,1%
Individuals	2 461 777	3 045 912	2 348 033	2 348 033	-113 744	-4,6%
Residents	2 460 799	3 044 594	2 345 912	2 345 912	-114 887	-4,7%
Non-residents	978	1 318	2 121	2 121	1 143	116,9%
Term	1 281 175	2 131 055	1 500 542	1 500 542	219 367	17,1%
Corporate clients	28 600	90 075	301 900	301 900	273 300	955,6%
Residents	28 600	90 075	301 900	301 900	273 300	955,6%
up to 30 days	-	-	2 000	2 000	2 000	-
up to 180 days	11 000	61 870	273 500	273 500	262 500	2 386,4%
up to 1 year	-	3 005	12 000	12 000	12 000	-
up to 3 years	12 100	25 200	14 400	14 400	2 300	19,0%
more than 3 years	5 500	-	-	-	-5 500	-100,0%
Individuals	1 252 575	2 040 980	1 198 642	1 198 642	-53 933	-4,3%
residents	1 249 197	2 038 711	1 197 387	1 197 387	-51 810	-4,1%
up to 180 days	27 484	42 167	28 796	28 796	1 312	4,8%
up to 1 year	40 397	50 554	88 602	88 602	48 205	119,3%
up to 3 years	958 296	1 627 837	790 894	790 894	-167 402	-17,5%
more than 3 years	223 020	318 153	289 095	289 095	66 075	29,6%
non-residents	3 378	2 269	1 255	1 255	-2 123	-62,8%
up to 1 year	3 378	2 269	1 255	1 255	-2 123	-62,8%
Securities issued	358 416	154 104	12 200	12 200	-346 216	-96,6%
Promissory notes	358 416	154 104	12 200	12 200	-346 216	-96,6%
on demand	87 894	76 707	6 075	6 075	-81 819	-93,1%
up to 180 days	87 813	76 707	6 075	6 075	-81 738	-93,1%
up to 1 year	182 000	-	-	-	-182 000	-100,0%
Discount accrued	709	690	50	50	-659	-92,9%
Other liabilities	1 525 695	845 284	967 342	967 342	-558 353	-36,6%
Other liabilities	1 436 361	757 109	885 965	885 965	-550 396	-38,3%
Accrued interest not yet paid	89 334	88 175	81 377	81 377	-7 957	-8,9%
EQUITY	246 834	232 357	278 039	278 039	31 205	12,6%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	245 282	230 755	276 302	276 302	31 020	12,6%
Current year retained earnings	245 282	230 755	276 302	276 302	31 020	12,6%
Future expenses	1 552	1 602	1 737	1 737	185	11,9%
OFF-BALANCE SHEET	1 276 664	127 621	456 983	456 983	-819 681	-64,2%
Contingent liabilities	433 122	54 315	48 863	48 863	-384 259	-88,7%
Guarantees issued	-	-	6 679	6 679	6 679	-
Unused credit limits opened	433 122	54 315	42 184	42 184	-390 938	-90,3%
Collateral on loans	799 917	28 400	348 300	348 300	-451 617	-56,5%
goods	799 917	28 400	348 300	348 300	-451 617	-56,5%
Other off-balance sheet accounts	43 625	44 906	59 820	59 820	16 195	37,1%
Accrued interest not yet received	43 625	44 906	59 820	59 820	16 195	37,1%
Written-off interest	-	-	-	-	-	-
Credit card balances	9	524	51	51	42	466,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-