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

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	ZERNOBANK	add to comparison
Central Bank of Russia registration number: 2337

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	52 126 344	67 941 399	49 797 313	45 974 603	-6 151 741	-11,8%
High liquid assets	6 491 614	6 161 200	6 441 872	7 255 993	764 379	11,8%
Cash and equivalents	5 274 681	5 018 401	5 294 644	5 291 019	16 338	0,3%
Cash	1 360 978	1 433 945	1 622 634	1 938 733	577 755	42,5%
in cash and en route	1 352 954	1 431 927	1 622 623	1 935 723	582 769	43,1%
in ATMs	8 024	2 018	11	3 010	-5 014	-62,5%
Nostro account with Central Bank	3 913 703	3 584 456	3 672 010	3 352 286	-561 417	-14,3%
Nostro accounts	1 003 527	946 420	971 285	1 785 147	781 620	77,9%
Non-residents	3	-	-	-	-3	-100,0%
Residents	1 003 524	946 420	971 285	1 785 147	781 623	77,9%
Money in transfer	25 197	45 801	13 818	22 400	-2 797	-11,1%
Exchange accounts	188 207	150 578	162 125	157 427	-30 780	-16,4%
Provision for impairment of high-liquid assets	2	-	-	-	-2	-100,0%
Interest-earning assets	371 748	566 535	511 271	527 210	155 462	41,8%
Securities	16 148	11 852	25 936	19 316	3 168	19,6%
Promissory notes	16 148	11 852	25 936	19 316	3 168	19,6%
Corporate	25	24	24	25	-	0,0%
Banks	16 123	11 828	25 912	19 291	3 168	19,6%
Provision for impairment of promissory notes	-	-	-	-	-	-
Loans to corporate clients	244 280	419 320	399 849	342 590	98 310	40,2%
residents	199 787	348 144	355 338	280 523	80 736	40,4%
up to 30 days	91 665	196 193	193 933	162 697	71 032	77,5%
up to 180 days	27 032	45 000	23 400	33 600	6 568	24,3%
up to 1 year	52 939	48 241	35 085	35 476	-17 463	-33,0%
up to 3 years	28 151	45 052	55 619	48 750	20 599	73,2%
more than 3 years	-	13 658	47 301	-	-	-
Past-due	16 359	12 635	7 000	4	-16 355	-100,0%
residents	16 359	12 635	7 000	4	-16 355	-100,0%
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	28 134	58 541	37 511	62 063	33 929	120,6%
residents	28 020	58 427	37 510	62 046	34 026	121,4%
state-owned enterprises	114	114	1	17	-97	-85,1%
Loans to private entrepreneurs	26 026	29 920	18 439	57 043	31 017	119,2%
up to 30 days	18 556	14 945	2 076	2 025	-16 531	-89,1%
up to 180 days	-	5 500	4 500	5 000	5 000	-
up to 1 year	4 000	-	2 500	2 000	-2 000	-50,0%
up to 3 years	2 755	8 233	2 886	7 749	4 994	181,3%
more than 3 years	-	-	5 000	28 298	28 298	-
Past-due	25	26	25	5 305	5 280	21 120,0%
Provision for impairment of loans to private entrepreneurs	690	1 216	1 452	6 666	5 976	866,1%
Loans to individuals	85 294	105 443	67 047	108 261	22 967	26,9%
Standard	67 391	57 113	59 689	102 835	35 444	52,6%
up to 30 days	12 530	14 419	19 035	11 000	-1 530	-12,2%
up to 180 days	36 006	18 766	23 665	31 527	-4 479	-12,4%
up to 1 year	15 130	15 027	11 194	30 850	15 720	103,9%
up to 3 years	2 910	3 200	2 022	16 401	13 491	463,6%
more than 3 years	815	5 701	3 773	13 057	12 242	1 502,1%
Past-due	5 609	21 458	2 097	1 366	-4 243	-75,6%
Past-due	5 609	21 458	2 097	1 366	-4 243	-75,6%
Provision for impairment of loans to individuals	12 294	26 872	5 261	4 060	-8 234	-67,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	45 262 982	61 213 664	42 844 170	38 191 400	-7 071 582	-15,6%
Mandatory reserves with Central Bank	406	-	64	12	-394	-97,0%
Premises and equipment	18 525	12 524	25 674	105 289	86 764	468,4%
Purchase cost	18 525	12 524	25 674	105 289	86 764	468,4%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	31 743	31 056	31 420	33 528	1 785	5,6%
Non-current assets	-	-	17 356	7 597	7 597	-
Other assets	45 195 191	61 155 604	42 764 211	38 041 512	-7 153 679	-15,8%
Provision for impairment of other assets	17 117	14 480	5 445	3 462	-13 655	-79,8%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	38 919 192	57 358 439	37 081 155	34 433 800	-4 485 392	-11,5%
Dues to banks	1 587 650	1 247 234	1 126 200	1 263 085	-324 565	-20,4%
On demand	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	945 000	642 000	437 000	377 000	-568 000	-60,1%
Residents	945 000	642 000	437 000	377 000	-568 000	-60,1%
up to 30 days	920 000	595 000	325 000	165 000	-755 000	-82,1%
up to 180 days	25 000	45 000	110 000	210 000	185 000	740,0%
more than 180 days	-	2 000	2 000	2 000	2 000	-
Other dues to banks	642 650	605 234	689 200	886 085	243 435	37,9%
On demand	4 143 009	4 739 950	5 050 471	5 196 054	1 053 045	25,4%
Corporate clients	4 003 967	4 641 530	4 877 844	5 054 114	1 050 147	26,2%
State-owned enterprises	8 183	11 900	5 880	6 728	-1 455	-17,8%
Residents	3 992 584	4 622 937	4 866 081	5 038 953	1 046 369	26,2%
Non-residents	3 200	6 693	5 883	8 433	5 233	163,5%
Individuals	139 042	98 420	172 627	141 940	2 898	2,1%
Residents	135 030	98 124	172 374	141 895	6 865	5,1%
Non-residents	4 012	296	253	45	-3 967	-98,9%
Term	971 067	2 904 237	855 808	781 845	-189 222	-19,5%
Corporate clients	182 292	110 809	46 074	111 061	-71 231	-39,1%
Residents	182 292	110 809	46 074	111 061	-71 231	-39,1%
up to 180 days	53 000	61 000	36 000	42 968	-10 032	-18,9%
up to 1 year	128 792	39 500	4 000	15 500	-113 292	-88,0%
up to 3 years	500	10 309	6 074	52 593	52 093	10 418,6%
more than 3 years	-	-	-	-	-	-
Individuals	788 775	2 793 428	809 734	670 784	-117 991	-15,0%
residents	788 684	2 793 354	809 668	670 637	-118 047	-15,0%
up to 180 days	101 274	67 315	92 869	72 735	-28 539	-28,2%
up to 1 year	43 261	12 882	12 008	14 931	-28 330	-65,5%
up to 3 years	441 280	2 531 201	617 124	490 360	49 080	11,1%
more than 3 years	202 869	181 956	87 667	92 611	-110 258	-54,3%
non-residents	91	74	66	147	56	61,5%
up to 3 years	91	74	66	147	56	61,5%
Securities issued	-	23 112	50 457	270	270	-
Promissory notes	-	23 112	50 457	270	270	-
up to 30 days	-	13 028	11 000	270	270	-
up to 180 days	-	-	-	-	-	-
up to 3 years	-	10 084	39 457	-	-	-
Other liabilities	32 217 466	48 443 906	29 998 219	27 192 546	-5 024 920	-15,6%
Other liabilities	32 190 603	48 426 270	29 985 986	27 177 987	-5 012 616	-15,6%
Accrued interest not yet paid	12 307	17 636	12 233	14 510	2 203	17,9%
Deferred tax liabilities	14 556	-	-	49	-14 507	-99,7%
EQUITY	247 831	389 518	183 426	295 602	47 771	19,3%
Capital	-	-	2	-	-	-
Profit from previous years	-	61 614	-	-	-	-
Retained earnings from previous years	-	61 614	-	-	-	-
Current year profit	247 157	324 485	183 305	295 549	48 392	19,6%
Current year retained earnings	247 157	324 485	183 305	295 549	48 392	19,6%
Future expenses	674	3 419	119	53	-621	-92,1%
OFF-BALANCE SHEET	223 850	340 263	1 240 514	401 459	177 609	79,3%
Contingent liabilities	44 752	195 132	182 407	102 039	57 287	128,0%
Unused credit limits opened	44 752	195 132	182 407	102 039	57 287	128,0%
Collateral on loans	140 419	75 371	221 383	272 592	132 173	94,1%
goods	140 419	75 371	221 383	272 592	132 173	94,1%
Unprocessed payments	32 336	59 631	830 394	20 467	-11 869	-36,7%
Due to lack of funds on client accounts	32 336	59 631	830 394	20 467	-11 869	-36,7%
Other off-balance sheet accounts	6 343	10 129	6 330	6 361	18	0,3%
Accrued interest not yet received	6 343	6 132	6 330	6 361	18	0,3%
Written-off interest	-	16	-	-	-	-
Written-off loans	-	3 981	-	-	-	-
Credit card balances	12 530	14 419	19 035	11 000	-1 530	-12,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-