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

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	VOLOGDABANK	add to comparison
Central Bank of Russia registration number: 992 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.


Balance sheet position, thous. rub.	01.11.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 057 726	11 889 991	1 112 112	5,8	10,7	-945 614	-46,0%
High liquid assets	275 014	4 479 090	5 691	16,3	4,0	-269 323	-97,9%
Cash and equivalents	210 817	1 867 810	13 291	8,9	1,7	-197 526	-93,7%
Cash	104 781	533 830	6 457	5,1	0,5	-98 324	-93,8%
in cash and en route	104 781	533 830	6 457	5,1	0,5	-98 324	-93,8%
Nostro account with Central Bank	106 036	1 333 980	6 834	12,6	1,2	-99 202	-93,6%
Nostro accounts	6 765	1 050 959	3 869	155,4	0,9	-2 896	-42,8%
Residents	6 765	1 050 959	3 869	155,4	0,9	-2 896	-42,8%
Money in transfer	57 638	1 437 845	4 155	24,9	1,3	-53 483	-92,8%
Exchange accounts	-	102 057	-	-	-	-	-
Provision for impairment of high-liquid assets	-206	20 419	-15 624	99,1	0,0	-15 418	7 484,5%
Interest-earning assets	1 372 123	2 603 721	1 712 138	1,9	2,3	340 015	24,8%
Dues from banks	-	425 000	-	-	-	-	-
Central Bank of Russia	-	425 000	-	-	-	-	-
Securities	650 514	1 863 751	981 175	2,9	1,7	330 661	50,8%
Bonds	650 514	1 803 569	933 631	2,8	1,6	283 117	43,5%
Federal Loan Bonds (OFZs), OBRs	-	1 754 081	935 415	-	-	935 415	-
Corporate foreign bonds	649 086	696 707	-	1,1	0,6	-649 086	-100,0%
Valuation allowance	1 428	5 079	-1 784	3,6	0,0	-3 212	-224,9%
Stocks	-	60 182	47 544	-	-	47 544	-
Residents	-	60 182	60 182	-	-	60 182	-
Provision for impairment of stocks	-	12 638	-12 638	-	-	-12 638	-
Loans to corporate clients	588 893	313 057	605 533	0,5	0,3	16 640	2,8%
residents	613 289	220 081	658 869	0,4	0,2	45 580	7,4%
up to 30 days	22 210	20 497	15 135	0,9	0,0	-7 075	-31,9%
up to 180 days	54 994	139 310	126 159	2,5	0,1	71 165	129,4%
up to 1 year	382 465	81 139	368 675	0,2	0,1	-13 790	-3,6%
up to 3 years	57 091	2 710	54 381	0,0	0,0	-2 710	-4,7%
more than 3 years	96 529	2 010	94 519	0,0	0,0	-2 010	-2,1%
Past-due	63 814	63 758	122 732	1,0	0,1	58 918	92,3%
residents	63 814	63 758	122 732	1,0	0,1	58 918	92,3%
Provision for impairment of corporate loans	-88 210	110 516	-176 068	1,3	0,1	-87 858	99,6%
residents	-88 210	110 516	-176 068	1,3	0,1	-87 858	99,6%
Loans to private entrepreneurs	30 821	1 030	30 588	0,0	0,0	-233	-0,8%
up to 180 days	550	110	440	0,2	0,0	-110	-20,0%
up to 1 year	660	-	660	0,0	0,0	-	0,0%
up to 3 years	31 631	32	31 599	0,0	0,0	-32	-0,1%
more than 3 years	3 817	298	3 519	0,1	0,0	-298	-7,8%
Past-due	1 873	-	1 873	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-7 710	590	-7 503	0,1	0,0	207	-2,7%
Loans to individuals	101 895	14 730	94 842	0,1	0,0	-7 053	-6,9%
Standard	107 183	10 189	96 994	0,1	0,0	-10 189	-9,5%
up to 1 year	304	56	248	0,2	0,0	-56	-18,4%
up to 3 years	32 761	1 347	31 414	0,0	0,0	-1 347	-4,1%
more than 3 years	74 118	8 786	65 332	0,1	0,0	-8 786	-11,9%
Memo: mortgage loans	38 944	-	38 428	0,0	0,0	-516	-1,3%
Past-due	14 943	259	15 150	0,0	0,0	207	1,4%
Past-due	14 943	259	15 150	0,0	0,0	207	1,4%
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-20 231	4 489	-17 302	0,2	0,0	2 929	-14,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	410 589	5 147 194	-605 717	12,5	4,6	-1 016 306	-247,5%
Mandatory reserves with Central Bank	11 012	1 551	12 560	0,1	0,0	1 548	14,1%
Premises and equipment	210 026	1 736 775	203 130	8,3	1,6	-6 896	-3,3%
Purchase cost	276 923	1 735 285	259 574	6,3	1,6	-17 349	-6,3%
Depreciation	-66 897	11 943	-56 444	0,2	0,0	10 453	-15,6%
Accrued interest not yet received	7 039	10 489	6 836	1,5	0,0	-203	-2,9%
Other assets	248 607	1 991 602	251 317	8,0	1,8	2 710	1,1%
Provision for impairment of other assets	-101 752	1 350 520	-1 088 838	13,3	1,2	-987 086	970,1%
Derivatives - assets	22 768	52 668	4 236	2,3	0,0	-18 532	-81,4%
Deferred tax asset	12 889	7 847	5 042	0,6	0,0	-7 847	-60,9%
LIABILITIES	1 818 760	3 804 358	1 416 902	2,1	3,4	-401 858	-22,1%
Dues to banks	-	12 064	-	-	-	-	-
Other dues to banks	-	12 064	-	-	-	-	-
On demand	147 637	1 212 327	78 780	8,2	1,1	-68 857	-46,6%
Corporate clients	131 475	863 469	60 332	6,6	0,8	-71 143	-54,1%
State-owned enterprises	51	253	6	5,0	0,0	-45	-88,2%
Residents	131 424	862 618	60 326	6,6	0,8	-71 098	-54,1%
Non-residents	-	598	-	-	-	-	-
Individuals	15 941	351 144	18 227	22,0	0,3	2 286	14,3%
Residents	15 941	351 144	18 227	22,0	0,3	2 286	14,3%
Brokerage accounts	221	-	221	0,0	0,0	-	0,0%
Residents	221	-	221	0,0	0,0	-	0,0%
Term	1 577 775	349 241	1 250 973	0,2	0,3	-326 802	-20,7%
Corporate clients	390 045	224 700	165 359	0,6	0,2	-224 686	-57,6%
Residents	390 045	224 700	165 359	0,6	0,2	-224 686	-57,6%
up to 3 years	2 000	-	2 000	0,0	0,0	-	0,0%
more than 3 years	388 045	224 700	163 359	0,6	0,2	-224 686	-57,9%
Individuals	1 187 730	124 541	1 085 614	0,1	0,1	-102 116	-8,6%
residents	1 187 730	124 541	1 085 614	0,1	0,1	-102 116	-8,6%
up to 180 days	57 897	24 086	35 763	0,4	0,0	-22 134	-38,2%
up to 1 year	183 838	15 298	171 874	0,1	0,0	-11 964	-6,5%
up to 3 years	945 995	85 157	877 977	0,1	0,1	-68 018	-7,2%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-	-
Other liabilities	93 348	2 230 726	87 149	23,9	2,0	-6 199	-6,6%
Other liabilities	25 951	2 169 369	23 959	83,6	2,0	-1 992	-7,7%
Accrued interest not yet paid	38 212	8 837	39 832	0,2	0,0	1 620	4,2%
Derivatives - liabilities	-	42 113	2 738	-	-	2 738	-
Deferred tax liabilities	29 185	14 765	20 620	0,5	0,0	-8 565	-29,3%
EQUITY	238 967	1 726 494	-304 790	7,2	1,6	-543 757	-227,5%
Capital	172 835	381 530	493 558	2,2	0,3	320 723	185,6%
Profit from previous years	62 790	-	62 790	0,0	0,0	-	0,0%
Retained earnings from previous years	62 790	-	62 790	0,0	0,0	-	0,0%
Current year profit	4 938	1 665 685	-859 584	337,3	1,5	-864 522	-17 507,5%
Current year retained earnings	4 938	1 665 685	-859 584	337,3	1,5	-864 522	-17 507,5%
Future expenses	-1 596	44	-1 554	0,0	0,0	42	-2,6%
OFF-BALANCE SHEET	1 529 936	186 407	1 593 267	0,1	0,2	63 331	4,1%
Contingent liabilities	-40 458	94 398	-26 166	2,3	0,1	14 292	-35,3%
Unused credit limits opened	-40 458	94 398	-26 166	2,3	0,1	14 292	-35,3%
Collateral on loans	1 185 378	52 523	1 196 689	0,0	0,0	11 311	1,0%
goods	1 179 948	52 523	1 191 259	0,0	0,0	11 311	1,0%
securities	5 430	-	5 430	0,0	0,0	-	0,0%
Unprocessed payments	351 951	47 950	386 898	0,1	0,0	34 947	9,9%
Due to lack of funds on client accounts	351 951	47 950	386 898	0,1	0,0	34 947	9,9%
Other off-balance sheet accounts	33 065	2 847	35 846	0,1	0,0	2 781	8,4%
Accrued interest not yet received	34 066	2 847	36 847	0,1	0,0	2 781	8,2%
Written-off interest	-575	-	-575	0,0	0,0	-	0,0%
Written-off loans	-426	-	-426	0,0	0,0	-	0,0%
Past due ratio, total	962	-	1 500	0,0	0,0	538	55,9%
Past due ratio, individuals	1 224	-	1 351	0,0	0,0	127	10,4%
Past due ratio, corporates	942	-	1 570	0,0	0,0	628	66,7%
Past due ratio, entrepreneurs	486	-	492	0,0	0,0	6	1,2%
Past due ratio, corporates + entrepreneurs	918	-	1 520	0,0	0,0	602	65,6%
Risk-weighted assets	2 128 481	-	-	0,0	0,0	-2 128 481	-100,0%