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

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	KLASSIK EKONOM BANK	add to comparison
Central Bank of Russia registration number: 3298

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.


Balance sheet position, thous. rub.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	834 039	539 895	792 689	0,6	0,7	-41 350	-5,0%
High liquid assets	399 444	503 833	331 341	1,3	0,6	-68 103	-17,0%
Cash and equivalents	372 797	383 675	289 567	1,0	0,5	-83 230	-22,3%
Cash	51 261	254 202	47 195	5,0	0,3	-4 066	-7,9%
in cash and en route	51 261	254 202	47 195	5,0	0,3	-4 066	-7,9%
Nostro account with Central Bank	321 536	129 473	242 372	0,4	0,2	-79 164	-24,6%
Nostro accounts	34 762	90 160	49 629	2,6	0,1	14 867	42,8%
Residents	34 762	90 160	49 629	2,6	0,1	14 867	42,8%
Money in transfer	868	45 125	1 128	52,0	0,1	260	30,0%
Provision for impairment of high-liquid assets	-8 983	-	-8 983	0,0	0,0	-	0,0%
Interest-earning assets	308 679	61 030	335 782	0,2	0,1	27 103	8,8%
Loans to corporate clients	209 305	57 715	242 008	0,3	0,1	32 703	15,6%
residents	418 679	50 000	468 679	0,1	0,1	50 000	11,9%
up to 1 year	20 000	-	20 000	0,0	0,0	-	0,0%
up to 3 years	152 000	-	152 000	0,0	0,0	-	0,0%
more than 3 years	246 679	50 000	296 679	0,2	0,1	50 000	20,3%
Past-due	8 801	-	8 801	0,0	0,0	-	0,0%
residents	8 801	-	8 801	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-218 175	25 003	-235 472	0,1	0,0	-17 297	7,9%
residents	-218 175	25 003	-235 472	0,1	0,0	-17 297	7,9%
Loans to individuals	99 374	8 924	93 774	0,1	0,0	-5 600	-5,6%
Standard	143 605	6 142	137 863	0,0	0,0	-5 742	-4,0%
up to 3 years	74 044	1 810	72 634	0,0	0,0	-1 410	-1,9%
more than 3 years	69 561	4 332	65 229	0,1	0,0	-4 332	-6,2%
Past-due	30 176	98	30 140	0,0	0,0	-36	-0,1%
Past-due	30 176	98	30 140	0,0	0,0	-36	-0,1%
Provision for impairment of loans to individuals	-74 407	2 853	-74 229	0,0	0,0	178	-0,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	125 916	2 135	125 566	0,0	0,0	-350	-0,3%
Mandatory reserves with Central Bank	780	2	782	0,0	0,0	2	0,3%
Premises and equipment	39 696	490	39 381	0,0	0,0	-315	-0,8%
Purchase cost	127 773	175	127 773	0,0	0,0	-	0,0%
Depreciation	-88 077	315	-88 392	0,0	0,0	-315	0,4%
Accrued interest not yet received	14	84	15	6,0	0,0	1	7,1%
Other assets	128 952	1 540	128 914	0,0	0,0	-38	-0,0%
Provision for impairment of other assets	-43 526	22	-43 526	0,0	0,0	-	0,0%
LIABILITIES	320 582	211 862	290 557	0,7	0,3	-30 025	-9,4%
Dues to banks	-	3	-	-	-	-	-
Other dues to banks	-	3	-	-	-	-	-
On demand	96 748	189 846	64 524	2,0	0,2	-32 224	-33,3%
Corporate clients	82 800	185 791	53 965	2,2	0,2	-28 835	-34,8%
State-owned enterprises	94	190	-	2,0	0,0	-94	-100,0%
Residents	82 706	177 411	53 965	2,1	0,2	-28 741	-34,8%
Non-residents	-	8 190	-	-	-	-	-
Individuals	13 948	4 055	10 559	0,3	0,0	-3 389	-24,3%
Residents	13 948	4 055	10 559	0,3	0,0	-3 389	-24,3%
Term	222 033	1 996	222 580	0,0	0,0	547	0,2%
Corporate clients	39 500	-	39 500	0,0	0,0	-	0,0%
Residents	39 500	-	39 500	0,0	0,0	-	0,0%
more than 3 years	39 500	-	39 500	0,0	0,0	-	0,0%
Individuals	182 533	1 996	183 080	0,0	0,0	547	0,3%
residents	182 533	1 996	183 080	0,0	0,0	547	0,3%
up to 1 year	400	-	400	0,0	0,0	-	0,0%
up to 3 years	902	46	930	0,1	0,0	28	3,1%
more than 3 years	181 231	1 950	181 750	0,0	0,0	519	0,3%
Other liabilities	1 801	22 216	3 453	12,3	0,0	1 652	91,7%
Other liabilities	1 800	21 208	2 444	11,8	0,0	644	35,8%
Accrued interest not yet paid	1	1 008	1 009	1 008,0	0,0	1 008	100 800,0%
EQUITY	513 457	1 328 592	502 132	2,6	1,7	-11 325	-2,2%
Capital	320 299	-	320 299	0,0	0,0	-	0,0%
Profit from previous years	250 385	675 024	193 022	2,7	0,9	-57 363	-22,9%
Retained earnings from previous years	250 385	675 024	193 022	2,7	0,9	-57 363	-22,9%
Current year profit	-57 227	699 606	-11 189	12,2	0,9	46 038	-80,4%
Current year retained earnings	-57 227	699 606	-11 189	12,2	0,9	46 038	-80,4%
OFF-BALANCE SHEET	723 203	7 969	717 405	0,0	0,0	-5 798	-0,8%
Collateral on loans	583 486	6 400	577 086	0,0	0,0	-6 400	-1,1%
goods	583 486	6 400	577 086	0,0	0,0	-6 400	-1,1%
Unprocessed payments	178 956	1 569	179 558	0,0	0,0	602	0,3%
Due to lack of funds on client accounts	178 956	1 569	179 558	0,0	0,0	602	0,3%
Other off-balance sheet accounts	-39 239	-	-39 239	0,0	0,0	-	0,0%
Written-off interest	-11 476	-	-11 476	0,0	0,0	-	0,0%
Written-off loans	-27 763	-	-27 763	0,0	0,0	-	0,0%
Past due ratio, total	648	-	603	0,0	0,0	-45	-6,9%
Past due ratio, individuals	1 736	-	1 794	0,0	0,0	58	3,3%
Past due ratio, corporates	206	-	184	0,0	0,0	-22	-10,7%
Past due ratio, corporates + entrepreneurs	206	-	184	0,0	0,0	-22	-10,7%
Risk-weighted assets	720 241	-	758 182	0,0	0,0	37 941	5,3%