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

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	URALFINANS	add to comparison
Central Bank of Russia registration number: 1370

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	2 598 487	7 750 396	2 755 506	3,0	2,8	157 019	6,0%
High liquid assets	356 234	3 595 573	368 497	10,1	1,3	12 263	3,4%
Cash and equivalents	55 856	2 876 256	94 327	51,5	1,0	38 471	68,9%
Cash	52 570	267 479	36 636	5,1	0,1	-15 934	-30,3%
in cash and en route	45 951	262 389	29 567	5,7	0,1	-16 384	-35,7%
in ATMs	6 619	5 540	7 069	0,8	0,0	450	6,8%
Nostro account with Central Bank	3 286	2 624 711	57 691	798,8	1,0	54 405	1 655,7%
Nostro accounts	277 604	566 433	250 956	2,0	0,2	-26 648	-9,6%
Residents	277 604	566 433	250 956	2,0	0,2	-26 648	-9,6%
Money in transfer	25 755	179 486	26 165	7,0	0,1	410	1,6%
Provision for impairment of high-liquid assets	-2 981	46	-2 951	0,0	0,0	30	-1,0%
Interest-earning assets	1 932 283	1 937 756	2 194 717	1,0	0,7	262 434	13,6%
Dues from banks	371 952	1 859 000	619 952	5,0	0,7	248 000	66,7%
Central Bank of Russia	322 000	1 859 000	570 000	5,8	0,7	248 000	77,0%
Non-residents	50 002	-	50 002	0,0	0,0	-	0,0%
more than 180 days	50 002	-	50 002	0,0	0,0	-	0,0%
Loans past-due	21 362	-	21 362	0,0	0,0	-	0,0%
residents	21 362	-	21 362	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-21 412	-	-21 412	0,0	0,0	-	0,0%
Securities	1 336 041	58 650	1 319 546	0,0	0,0	-16 495	-1,2%
Bonds	1 283 155	53 626	1 254 408	0,0	0,0	-28 747	-2,2%
Federal Loan Bonds (OFZs), OBRs	890 209	7 868	887 986	0,0	0,0	-2 223	-0,2%
Corporate bonds	426 394	12 684	436 347	0,0	0,0	9 953	2,3%
Financial institutions bonds	20 029	141	20 166	0,0	0,0	137	0,7%
Valuation allowance	-49 487	43 003	-86 123	0,9	0,0	-36 636	74,0%
Pledged under REPO	-	-	-	-	-	-	-
Provision for impairment of bonds	-3 990	42	-3 968	0,0	0,0	22	-0,6%
Stocks	52 886	17 276	65 138	0,3	0,0	12 252	23,2%
Residents	51 579	13 987	65 566	0,3	0,0	13 987	27,1%
Non-residents	2 964	-	2 964	0,0	0,0	-	0,0%
Valuation allowance	-1 657	5 024	-3 392	3,0	0,0	-1 735	104,7%
Loans to corporate clients	108 389	33 836	140 109	0,3	0,0	31 720	29,3%
residents	98 968	33 000	131 345	0,3	0,0	32 377	32,7%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	83 999	33 000	116 510	0,4	0,0	32 511	38,7%
more than 3 years	14 969	134	14 835	0,0	0,0	-134	-0,9%
state-owned enterprises	20 000	-	20 000	0,0	0,0	-	0,0%
up to 180 days	20 000	-	20 000	0,0	0,0	-	0,0%
Past-due	1 710	28	1 697	0,0	0,0	-13	-0,8%
residents	1 646	28	1 633	0,0	0,0	-13	-0,8%
state-owned enterprises	64	-	64	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-12 289	1 491	-12 933	0,1	0,0	-644	5,2%
residents	-8 225	1 490	-8 870	0,2	0,0	-645	7,8%
state-owned enterprises	-4 064	1	-4 063	0,0	0,0	1	-0,0%
Loans to private entrepreneurs	92 377	293	92 103	0,0	0,0	-274	-0,3%
up to 3 years	2 721	71	2 650	0,0	0,0	-71	-2,6%
more than 3 years	89 656	203	89 453	0,0	0,0	-203	-0,2%
Past-due	40	21	42	0,5	0,0	2	5,0%
Provision for impairment of loans to private entrepreneurs	-40	-	-42	0,0	0,0	-2	5,0%
Loans to individuals	23 524	3 238	23 007	0,1	0,0	-517	-2,2%
Standard	26 767	2 396	26 192	0,1	0,0	-575	-2,1%
up to 30 days	6 068	1 821	6 365	0,3	0,0	297	4,9%
up to 1 year	312	30	282	0,1	0,0	-30	-9,6%
up to 3 years	3 814	413	3 401	0,1	0,0	-413	-10,8%
more than 3 years	16 573	429	16 144	0,0	0,0	-429	-2,6%
Past-due	20 832	440	20 998	0,0	0,0	166	0,8%
Past-due	20 832	440	20 998	0,0	0,0	166	0,8%
Provision for impairment of loans to individuals	-24 075	568	-24 183	0,0	0,0	-108	0,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	309 970	2 330 381	192 292	7,5	0,8	-117 678	-38,0%
Mandatory reserves with Central Bank	8 002	72	8 074	0,0	0,0	72	0,9%
Premises and equipment	44 948	6 544	46 025	0,1	0,0	1 077	2,4%
Purchase cost	90 105	6 018	91 708	0,1	0,0	1 603	1,8%
Depreciation	-45 157	526	-45 683	0,0	0,0	-526	1,2%
Accrued interest not yet received	2 578	3 721	3 236	1,4	0,0	658	25,5%
Other assets	262 897	2 312 852	143 316	8,8	0,8	-119 581	-45,5%
Provision for impairment of other assets	-8 825	8 018	-8 729	0,9	0,0	96	-1,1%
Deferred tax asset	370	-	370	0,0	0,0	-	0,0%
LIABILITIES	2 197 224	3 593 383	2 389 871	1,6	1,3	192 647	8,8%
Dues to banks	-	214 649	22 692	-	-	22 692	-
Other dues to banks	-	214 649	22 692	-	-	22 692	-
On demand	1 510 425	1 368 805	1 647 926	0,9	0,5	137 501	9,1%
Corporate clients	1 422 688	1 298 178	1 592 721	0,9	0,5	170 033	12,0%
State-owned enterprises	3 310	66 960	2 733	20,2	0,0	-577	-17,4%
Residents	1 419 378	1 231 795	1 589 988	0,9	0,4	170 610	12,0%
Individuals	87 736	103 159	55 204	1,2	0,0	-32 532	-37,1%
Residents	87 736	103 155	55 202	1,2	0,0	-32 534	-37,1%
Non-residents	-	6	2	-	-	2	-
Brokerage accounts	1	-	1	0,0	0,0	-	0,0%
Residents	1	-	1	0,0	0,0	-	0,0%
Term	664 067	236 218	697 051	0,4	0,1	32 984	5,0%
Corporate clients	51 900	1 900	51 400	0,0	0,0	-500	-1,0%
Residents	51 900	1 900	51 400	0,0	0,0	-500	-1,0%
up to 30 days	500	500	-	1,0	0,0	-500	-100,0%
up to 1 year	1 400	1 400	1 400	1,0	0,0	-	0,0%
more than 3 years	50 000	-	50 000	0,0	0,0	-	0,0%
Individuals	612 167	234 818	645 651	0,4	0,1	33 484	5,5%
residents	612 163	234 818	645 647	0,4	0,1	33 484	5,5%
up to 180 days	3 264	233	3 375	0,1	0,0	111	3,4%
up to 1 year	2 921	24 546	27 364	8,4	0,0	24 443	836,8%
up to 3 years	565 055	207 484	582 359	0,4	0,1	17 304	3,1%
more than 3 years	40 923	10 929	32 549	0,3	0,0	-8 374	-20,5%
non-residents	4	-	4	0,0	0,0	-	0,0%
more than 3 years	4	-	4	0,0	0,0	-	0,0%
Other liabilities	22 732	1 774 241	22 202	78,1	0,6	-530	-2,3%
Other liabilities	20 525	1 772 286	19 918	86,3	0,6	-607	-3,0%
Accrued interest not yet paid	2 207	2 032	2 284	0,9	0,0	77	3,5%
EQUITY	401 264	1 943 023	365 635	4,8	0,7	-35 629	-8,9%
Capital	453 360	13 835	441 565	0,0	0,0	-11 795	-2,6%
Profit from previous years	4 081	941 665	-54 470	230,7	0,3	-58 551	-1 434,7%
Retained earnings from previous years	4 081	941 665	-54 470	230,7	0,3	-58 551	-1 434,7%
Current year profit	-56 177	1 022 240	-21 460	18,2	0,4	34 717	-61,8%
Current year retained earnings	-56 177	1 022 240	-21 460	18,2	0,4	34 717	-61,8%
OFF-BALANCE SHEET	140 938	60 683	162 283	0,4	0,0	21 345	15,1%
Contingent liabilities	-11 327	37 013	-13 413	3,3	0,0	-2 086	18,4%
Unused credit limits opened	-11 327	37 013	-13 413	3,3	0,0	-2 086	18,4%
Collateral on loans	143 629	23 322	166 951	0,2	0,0	23 322	16,2%
goods	143 629	23 322	166 951	0,2	0,0	23 322	16,2%
Unprocessed payments	15 935	457	16 044	0,0	0,0	109	0,7%
Due to lack of funds on client accounts	15 935	457	16 044	0,0	0,0	109	0,7%
Other off-balance sheet accounts	-7 299	-	-7 299	0,0	0,0	-	0,0%
Written-off interest	-1 673	-	-1 673	0,0	0,0	-	0,0%
Written-off loans	-5 626	-	-5 626	0,0	0,0	-	0,0%
Credit card balances	6 068	1 821	6 365	0,3	0,0	297	4,9%
Past due ratio, total	866	-	778	0,0	0,0	-88	-10,2%
Past due ratio, individuals	4 377	-	4 450	0,0	0,0	73	1,7%
Past due ratio, corporates	142	-	111	0,0	0,0	-31	-21,8%
Past due ratio, entrepreneurs	4	-	5	0,0	0,0	1	25,0%
Past due ratio, corporates + entrepreneurs	82	-	71	0,0	0,0	-11	-13,4%
Risk-weighted assets	1 734 385	-	1 790 157	0,0	0,0	55 772	3,2%