Kuap. Ru - Balance sheet with turnover of ВЕРХНЕЛЕНСКИЙ (ВЛБАНК), analysis of turnover of bank's accounts

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	VERHNELENSKIY (VLBANK)	add to comparison
Central Bank of Russia registration number: 1222 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.


Turnover by thous. rub.					Period change
ASSETS	7 889 826	6 536 171	4 375 610	5 363 863	-2 525 963	-32,0%
High liquid assets	6 232 045	5 543 688	3 905 710	2 207 385	-4 024 660	-64,6%
Cash and equivalents	5 692 645	4 999 865	3 365 438	1 872 386	-3 820 259	-67,1%
Cash	3 262 989	3 117 989	2 069 560	1 213 519	-2 049 470	-62,8%
in cash and en route	3 064 648	2 920 578	1 953 107	1 147 845	-1 916 803	-62,5%
in ATMs	198 341	197 411	116 453	65 674	-132 667	-66,9%
Nostro account with Central Bank	2 429 656	1 881 876	1 295 878	658 867	-1 770 789	-72,9%
Nostro accounts	431 556	438 045	466 475	279 963	-151 593	-35,1%
Residents	431 556	438 045	466 475	279 963	-151 593	-35,1%
Money in transfer	107 362	105 093	73 770	52 773	-54 589	-50,8%
Provision for impairment of high-liquid assets	482	685	27	2 263	1 781	369,5%
Interest-earning assets	428 757	135 981	112 412	1 269 508	840 751	196,1%
Dues from banks	604	932	1 985	3 802	3 198	529,5%
Residents	604	865	1 985	3 735	3 131	518,4%
up to 30 days	604	865	1 985	3 735	3 131	518,4%
Provision for impairment of loans to banks	-	67	-	67	67	-
Securities	302 145	8 959	5 410	969 967	667 822	221,0%
Bonds	199 374	6 634	1 608	197 269	-2 105	-1,1%
Corporate bonds	107 767	6 634	1 608	102 758	-5 009	-4,6%
Valuation allowance	91 607	-	-	94 511	2 904	3,2%
Promissory notes	302	311	302	665 002	664 700	220 099,3%
Corporate	302	311	302	602 084	601 782	199 265,6%
Provision for impairment of promissory notes	-	-	-	62 918	62 918	-
Stocks	102 469	2 014	3 500	107 696	5 227	5,1%
Residents	50 221	-	-	50 000	-221	-0,4%
Valuation allowance	52 248	210	1 452	53 716	1 468	2,8%
Pledged under REPO	-	1 804	2 048	3 980	3 980	-
Loans to corporate clients	57 445	83 283	80 767	214 817	157 372	274,0%
residents	43 357	68 986	51 306	179 766	136 409	314,6%
up to 30 days	11 357	10 435	6 156	1 186	-10 171	-89,6%
up to 1 year	32 000	26 050	45 150	75 580	43 580	136,2%
up to 3 years	-	32 501	-	103 000	103 000	-
more than 3 years	-	-	-	-	-	-
state-owned enterprises	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
Past-due	3 527	-	758	10 304	6 777	192,1%
residents	3 527	-	758	10 304	6 777	192,1%
Provision for impairment of corporate loans	10 561	14 297	28 703	24 747	14 186	134,3%
residents	10 536	14 273	28 703	24 747	14 211	134,9%
state-owned enterprises	25	24	-	-	-25	-100,0%
Loans to private entrepreneurs	567	472	335	28	-539	-95,1%
up to 30 days	492	328	317	-	-492	-100,0%
up to 3 years	-	-	-	-	-	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	75	144	18	28	-47	-62,7%
Loans to individuals	67 996	42 335	23 915	80 894	12 898	19,0%
Standard	49 976	32 699	20 238	55 181	5 205	10,4%
up to 30 days	2 290	2 252	2 165	4 183	1 893	82,7%
up to 180 days	9	81	-	51	42	466,7%
up to 1 year	8 856	6 681	1 462	12 674	3 818	43,1%
up to 3 years	25 380	13 752	5 686	22 777	-2 603	-10,3%
more than 3 years	13 441	9 933	10 925	15 496	2 055	15,3%
Past-due	2 221	1 629	2 277	3 182	961	43,3%
Past-due	2 221	1 629	2 277	3 182	961	43,3%
Provision for impairment of loans to individuals	15 799	8 007	1 400	22 531	6 732	42,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 229 024	856 502	357 488	1 886 970	657 946	53,5%
Mandatory reserves with Central Bank	-	-	-	244	244	-
Premises and equipment	163 077	71 236	27 943	1 134 306	971 229	595,6%
Purchase cost	163 077	71 236	27 215	1 126 829	963 752	591,0%
Depreciation	-	-	728	7 477	7 477	-
Accrued interest not yet received	30 405	30 671	29 310	28 851	-1 554	-5,1%
Factoring	-	-	-	16 467	16 467	-
Other assets	1 034 199	748 831	299 244	706 008	-328 191	-31,7%
Provision for impairment of other assets	1 343	5 764	991	1 094	-249	-18,5%
LIABILITIES	5 826 694	4 837 696	3 560 425	3 792 314	-2 034 380	-34,9%
Dues to banks	112 520	188 030	119 170	51 890	-60 630	-53,9%
Term	30 000	75 000	60 000	20 000	-10 000	-33,3%
Residents	30 000	75 000	60 000	20 000	-10 000	-33,3%
up to 30 days	30 000	75 000	60 000	20 000	-10 000	-33,3%
up to 180 days	-	-	-	-	-	-
Other dues to banks	82 520	113 030	59 170	31 890	-50 630	-61,4%
On demand	4 314 862	3 229 640	2 180 801	2 102 225	-2 212 637	-51,3%
Corporate clients	3 979 044	2 947 250	1 986 947	1 649 006	-2 330 038	-58,6%
State-owned enterprises	24 355	21 596	7 707	5 528	-18 827	-77,3%
Residents	3 863 542	2 819 316	1 863 607	1 632 654	-2 230 888	-57,7%
Non-residents	91 147	106 338	115 633	10 824	-80 323	-88,1%
Individuals	335 818	282 390	193 854	453 219	117 401	35,0%
Residents	301 180	248 686	163 219	441 666	140 486	46,6%
Non-residents	34 638	33 704	30 635	11 553	-23 085	-66,6%
Term	589 951	566 970	563 859	1 053 777	463 826	78,6%
Corporate clients	56	11 000	70 224	6 074	6 018	10 746,4%
Residents	56	11 000	70 224	6 074	6 018	10 746,4%
up to 180 days	1	2 200	250	1 613	1 612	161 200,0%
up to 1 year	33	600	45 000	1 892	1 859	5 633,3%
up to 3 years	22	-	24 974	2 569	2 547	11 577,3%
more than 3 years	-	8 200	-	-	-	-
Individuals	589 895	555 970	493 635	1 047 703	457 808	77,6%
residents	579 873	505 546	428 816	1 047 258	467 385	80,6%
up to 30 days	3	-	3	-	-3	-100,0%
up to 180 days	7 317	6 562	7 547	10 146	2 829	38,7%
up to 1 year	2 335	2 128	4 162	3 745	1 410	60,4%
up to 3 years	345 534	348 935	306 191	772 873	427 339	123,7%
more than 3 years	224 684	147 921	110 913	260 494	35 810	15,9%
non-residents	10 022	50 424	64 819	445	-9 577	-95,6%
up to 180 days	10	-	-	-	-10	-100,0%
up to 3 years	914	1 376	1 746	290	-624	-68,3%
more than 3 years	9 098	49 048	63 073	155	-8 943	-98,3%
Securities issued	13 000	-	-	50 000	37 000	284,6%
Promissory notes	13 000	-	-	50 000	37 000	284,6%
on demand	13 000	-	-	-	-13 000	-100,0%
up to 1 year	-	-	-	50 000	50 000	-
Other liabilities	796 361	853 056	696 595	534 422	-261 939	-32,9%
Other liabilities	777 460	836 254	681 755	441 787	-335 673	-43,2%
Accrued interest not yet paid	18 901	16 802	14 840	18 213	-688	-3,6%
Liabilities past-due	-	-	-	74 422	74 422	-
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	244 444	112 269	106 181	850 572	606 128	248,0%
Capital	1 314	-	-	2 120	806	61,3%
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	242 544	111 141	104 491	842 173	599 629	247,2%
Current year retained earnings	242 544	111 141	104 491	842 173	599 629	247,2%
Future expenses	586	1 128	1 690	6 279	5 693	971,5%
OFF-BALANCE SHEET	150 454	150 033	83 591	443 773	293 319	195,0%
Contingent liabilities	18 467	47 764	17 631	69 947	51 480	278,8%
Guarantees issued	-	-	-	9 000	9 000	-
Unused credit limits opened	18 467	47 764	17 631	60 947	42 480	230,0%
Collateral on loans	46 399	47 880	15 330	99 939	53 540	115,4%
goods	46 399	47 880	15 330	99 939	53 540	115,4%
Unprocessed payments	84 899	53 702	50 140	271 627	186 728	219,9%
Due to lack of funds in bank	-	-	-	237 329	237 329	-
Due to lack of funds on client accounts	84 899	53 702	50 140	34 298	-50 601	-59,6%
Other off-balance sheet accounts	689	687	490	2 260	1 571	228,0%
Accrued interest not yet received	689	687	490	2 260	1 571	228,0%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	2 290	2 252	2 165	4 183	1 893	82,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-