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

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	KUBANSKIY UNIVERSALNIY BANK	add to comparison
Central Bank of Russia registration number: 2898

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	3 788 776	14 425 164	7 303 374	17 629 267	13 840 491	365,3%
High liquid assets	3 077 901	10 343 544	5 454 338	11 456 187	8 378 286	272,2%
Cash and equivalents	2 450 189	4 419 558	3 080 467	5 294 680	2 844 491	116,1%
Cash	1 270 793	1 098 581	1 131 981	1 106 180	-164 613	-13,0%
in cash and en route	836 093	704 081	767 681	760 680	-75 413	-9,0%
in ATMs	434 700	394 500	364 300	345 500	-89 200	-20,5%
Nostro account with Central Bank	1 179 396	3 320 977	1 948 486	4 188 500	3 009 104	255,1%
Nostro accounts	586 258	5 886 213	2 329 501	6 121 273	5 535 015	944,1%
Residents	586 258	5 886 213	2 329 501	6 121 273	5 535 015	944,1%
Money in transfer	41 316	37 773	41 668	40 209	-1 107	-2,7%
Provision for impairment of high-liquid assets	138	-	2 702	25	-113	-81,9%
Interest-earning assets	524 422	4 061 383	1 801 970	4 716 541	4 192 119	799,4%
Dues from banks	180 000	3 615 000	1 380 000	3 100 000	2 920 000	1 622,2%
Central Bank of Russia	180 000	3 615 000	1 380 000	3 100 000	2 920 000	1 622,2%
Residents	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	-	-	-	270 000	270 000	-
Promissory notes	-	-	-	270 000	270 000	-
Corporate	-	-	-	180 000	180 000	-
Provision for impairment of promissory notes	-	-	-	90 000	90 000	-
Loans to corporate clients	274 756	395 169	362 676	1 238 901	964 145	350,9%
residents	153 700	252 411	218 600	407 189	253 489	164,9%
up to 30 days	12 900	8 711	11 214	24 877	11 977	92,8%
up to 180 days	10 000	239 000	164 886	307 512	297 512	2 975,1%
up to 1 year	130 800	4 700	18 500	62 800	-68 000	-52,0%
up to 3 years	-	-	24 000	12 000	12 000	-
more than 3 years	-	-	-	-	-	-
Past-due	76 100	92 170	90 603	337 609	261 509	343,6%
residents	76 100	92 170	90 603	337 609	261 509	343,6%
Provision for impairment of corporate loans	44 956	50 588	53 473	494 103	449 147	999,1%
residents	44 956	50 588	53 473	494 103	449 147	999,1%
Loans to private entrepreneurs	209	101	201	15 151	14 942	7 149,3%
up to 1 year	-	-	-	15 000	15 000	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	209	101	201	151	-58	-27,8%
Loans to individuals	69 457	51 113	59 093	92 489	23 032	33,2%
Standard	54 106	48 818	56 501	69 596	15 490	28,6%
up to 30 days	4 088	4 121	3 676	4 198	110	2,7%
up to 180 days	5 567	5 501	8 704	4 782	-785	-14,1%
up to 1 year	33 255	30 379	24 730	31 090	-2 165	-6,5%
up to 3 years	5 166	2 130	12 591	14 986	9 820	190,1%
more than 3 years	6 030	6 687	6 800	14 540	8 510	141,1%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	13 894	906	869	671	-13 223	-95,2%
Past-due	13 894	906	869	671	-13 223	-95,2%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	1 457	1 389	1 723	22 222	20 765	1 425,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	186 453	20 237	47 066	1 456 539	1 270 086	681,2%
Mandatory reserves with Central Bank	-	-	317	1 763	1 763	-
Premises and equipment	60 843	577	502	1 115 682	1 054 839	1 733,7%
Purchase cost	60 843	577	502	1 115 682	1 054 839	1 733,7%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	3 433	4 086	3 836	4 776	1 343	39,1%
Factoring	-	-	-	60 000	60 000	-
Other assets	61 177	15 123	41 565	103 063	41 886	68,5%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	61 000	451	846	171 255	110 255	180,7%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	2 656 711	2 733 476	2 847 981	3 178 074	521 363	19,6%
Dues to banks	156 055	162 796	189 829	155 391	-664	-0,4%
Other dues to banks	156 055	162 796	189 829	155 391	-664	-0,4%
On demand	1 392 061	1 652 100	1 810 349	2 039 342	647 281	46,5%
Corporate clients	790 025	1 106 705	1 328 217	1 520 159	730 134	92,4%
State-owned enterprises	2	111	588	2	-	0,0%
Residents	782 177	1 100 386	1 321 983	1 513 252	731 075	93,5%
Non-residents	7 846	6 208	5 646	6 905	-941	-12,0%
Individuals	602 036	545 395	482 132	519 183	-82 853	-13,8%
Residents	599 001	542 904	479 876	517 063	-81 938	-13,7%
Non-residents	3 035	2 491	2 256	2 120	-915	-30,1%
Term	193 351	151 403	149 587	108 675	-84 676	-43,8%
Corporate clients	115 415	51 000	63 595	-	-115 415	-100,0%
Residents	115 415	51 000	63 595	-	-115 415	-100,0%
up to 180 days	113 595	50 000	63 595	-	-113 595	-100,0%
up to 1 year	-	1 000	-	-	-	-
up to 3 years	1 820	-	-	-	-1 820	-100,0%
more than 3 years	-	-	-	-	-	-
State-owned enterprises	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
Individuals	77 936	100 403	85 992	108 675	30 739	39,4%
residents	77 907	99 760	85 992	108 513	30 606	39,3%
up to 180 days	24 940	24 466	8 296	5 563	-19 377	-77,7%
up to 1 year	39 273	43 243	69 993	94 340	55 067	140,2%
up to 3 years	13 694	32 051	7 703	8 610	-5 084	-37,1%
non-residents	29	643	-	162	133	458,6%
up to 1 year	29	643	-	162	133	458,6%
up to 3 years	-	-	-	-	-	-
Other liabilities	915 244	767 177	698 216	874 666	-40 578	-4,4%
Other liabilities	897 448	758 303	690 291	859 376	-38 072	-4,2%
Accrued interest not yet paid	17 796	8 874	7 925	15 290	-2 506	-14,1%
EQUITY	91 247	28 698	44 736	573 112	481 865	528,1%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	90 704	28 101	44 003	572 440	481 736	531,1%
Current year retained earnings	90 704	28 101	44 003	572 440	481 736	531,1%
Future expenses	543	597	733	672	129	23,8%
OFF-BALANCE SHEET	256 673	345 249	292 029	766 699	510 026	198,7%
Contingent liabilities	41 053	250 158	193 358	175 169	134 116	326,7%
Unused credit limits opened	41 053	250 158	193 358	175 169	134 116	326,7%
Collateral on loans	131 345	59 928	76 693	524 266	392 921	299,2%
goods	128 065	54 928	71 002	444 266	316 201	246,9%
securities	3 280	5 000	5 691	80 000	76 720	2 339,0%
Unprocessed payments	74 336	23 778	10 271	56 400	-17 936	-24,1%
Due to lack of funds on client accounts	74 336	23 778	10 271	56 400	-17 936	-24,1%
Other off-balance sheet accounts	9 939	11 385	11 707	10 864	925	9,3%
Accrued interest not yet received	9 939	11 385	11 707	10 864	925	9,3%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	4 088	4 121	3 676	4 198	110	2,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-