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

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	NOVIKOMBANK	add to comparison
Central Bank of Russia registration number: 2546 state-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 275-FZ (work with defence procurement), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	2 405 272 526	2 682 282 855	4 890 881 547	5 956 399 992	3 551 127 466	147,6%
High liquid assets	1 377 490 098	1 470 181 865	2 764 455 422	2 770 629 665	1 393 139 567	101,1%
Cash and equivalents	1 059 898 218	1 130 107 577	2 010 059 342	1 758 137 617	698 239 399	65,9%
Cash	16 403 481	17 964 987	32 331 865	17 518 713	1 115 232	6,8%
in cash and en route	13 415 441	14 911 794	28 115 879	15 034 069	1 618 628	12,1%
in ATMs	2 987 567	3 052 477	4 215 591	2 484 048	-503 519	-16,9%
precious metals	473	716	395	596	123	26,0%
Nostro account with Central Bank	1 043 494 737	1 112 142 590	1 977 727 477	1 740 618 904	697 124 167	66,8%
Nostro accounts	136 272 053	145 313 788	235 170 093	125 602 560	-10 669 493	-7,8%
Non-residents	45 284 516	48 863 002	69 539 711	45 934 338	649 822	1,4%
Residents	90 987 537	96 450 786	165 630 382	79 668 222	-11 319 315	-12,4%
Money in transfer	181 130 328	194 525 917	518 967 571	886 647 657	705 517 329	389,5%
Provision for impairment of high-liquid assets	189 499	234 583	258 416	241 831	52 332	27,6%
Interest-earning assets	741 103 737	606 922 098	1 273 673 429	1 793 137 695	1 052 033 958	142,0%
Dues from banks	676 800 016	515 438 424	1 177 454 839	1 752 847 418	1 076 047 402	159,0%
Central Bank of Russia	25 000 000	30 000 000	268 000 000	470 000 000	445 000 000	1 780,0%
Residents	642 633 622	479 735 824	904 656 232	1 282 391 874	639 758 252	99,6%
up to 30 days	635 091 407	472 992 248	894 604 155	1 281 214 644	646 123 237	101,7%
up to 180 days	7 542 215	6 743 576	10 052 077	1 177 230	-6 364 985	-84,4%
Non-residents	9 007 403	5 535 518	3 012 391	454 798	-8 552 605	-95,0%
up to 30 days	9 006 088	5 530 000	3 010 000	450 000	-8 556 088	-95,0%
more than 180 days	1 315	5 518	2 391	4 798	3 483	264,9%
Loans past-due	53 505	105 698	52 449	540	-52 965	-99,0%
non-residents	53 505	105 698	52 449	540	-52 965	-99,0%
Provision for impairment of loans to banks	105 486	61 384	1 733 767	206	-105 280	-99,8%
Securities	24 745 911	58 025 072	816 616	740 128	-24 005 783	-97,0%
Bonds	24 745 873	58 024 774	816 232	739 789	-24 006 084	-97,0%
Federal Loan Bonds (OFZs), OBRs	6 514 820	23 422 171	335 784	2 142	-6 512 678	-100,0%
Corporate bonds	21 032	426 835	22 677	22 876	1 844	8,8%
Financial institutions bonds	2 013 373	6 014 115	25 375	25 354	-1 988 019	-98,7%
Corporate foreign bonds	382 385	7 592 379	360 380	688 121	305 736	80,0%
Valuation allowance	1 122	2 741	2 473	507	-615	-54,8%
Pledged under REPO	15 805 337	20 546 979	68 484	-	-15 805 337	-100,0%
Provision for impairment of bonds	7 804	19 554	1 059	789	-7 015	-89,9%
Stocks	38	298	384	339	301	792,1%
Residents	-	-	-	-	-	-
Valuation allowance	38	298	384	339	301	792,1%
Loans to corporate clients	38 753 576	32 663 642	94 334 960	39 003 303	249 727	0,6%
residents	19 811 098	20 512 154	63 452 623	30 570 066	10 758 968	54,3%
up to 30 days	221 790	165 442	11 563 896	15 027 232	14 805 442	6 675,4%
up to 180 days	2 183 672	2 928 555	14 226 796	5 542 323	3 358 651	153,8%
up to 1 year	8 475 445	5 592 057	9 928 454	3 297 346	-5 178 099	-61,1%
up to 3 years	6 335 338	7 137 111	18 043 591	5 661 502	-673 836	-10,6%
more than 3 years	2 594 853	4 688 989	9 689 886	1 041 663	-1 553 190	-59,9%
state-owned enterprises	15 554 310	7 933 488	27 654 818	4 597 767	-10 956 543	-70,4%
up to 180 days	9 442 114	391 985	10 356 450	7 443	-9 434 671	-99,9%
up to 1 year	1 465 053	1 205 724	2 269 868	303 093	-1 161 960	-79,3%
up to 3 years	2 178 244	4 509 848	7 738 859	2 838 140	659 896	30,3%
more than 3 years	2 468 899	1 825 931	789 641	1 449 091	-1 019 808	-41,3%
Past-due	982 341	2 030 889	1 250 584	2 214 247	1 231 906	125,4%
residents	707 492	1 398 805	912 044	1 564 667	857 175	121,2%
non-residents	274 575	622 480	338 401	649 493	374 918	136,5%
state-owned enterprises	274	9 604	139	87	-187	-68,2%
Provision for impairment of corporate loans	2 405 827	2 187 111	1 976 935	1 621 223	-784 604	-32,6%
residents	1 809 794	1 701 505	1 538 238	1 179 204	-630 590	-34,8%
non-residents	521 191	298 670	340 316	331 471	-189 720	-36,4%
state-owned enterprises	74 842	186 936	98 381	110 548	35 706	47,7%
Loans to private entrepreneurs	6	9	15	5	-1	-16,7%
Past-due	4	8	13	3	-1	-25,0%
Provision for impairment of loans to private entrepreneurs	2	1	2	2	-	0,0%
Loans to individuals	804 228	794 951	1 066 999	546 841	-257 387	-32,0%
Standard	731 322	725 667	961 073	474 808	-256 514	-35,1%
up to 30 days	42 282	52 150	27 318	35 740	-6 542	-15,5%
up to 180 days	70	220	-	40	-30	-42,9%
up to 1 year	3 674	5 563	4 750	3 544	-130	-3,5%
up to 3 years	76 105	33 456	60 885	32 161	-43 944	-57,7%
more than 3 years	609 191	634 278	868 120	403 323	-205 868	-33,8%
Past-due	4 955	6 828	6 697	8 547	3 592	72,5%
Past-due	4 955	6 828	6 697	8 547	3 592	72,5%
Provision for impairment of loans to individuals	67 951	62 456	99 229	63 486	-4 465	-6,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	286 678 691	605 178 892	852 752 696	1 392 632 632	1 105 953 941	385,8%
Mandatory reserves with Central Bank	181 003	-	-	281 479	100 476	55,5%
Premises and equipment	1 732 874	802 696	15 028 742	943 224	-789 650	-45,6%
Purchase cost	1 730 969	756 580	14 977 349	943 200	-787 769	-45,5%
Depreciation	1 905	46 116	51 393	24	-1 881	-98,7%
Accrued interest not yet received	2 667 398	2 755 273	3 125 652	3 837 877	1 170 479	43,9%
Other assets	281 523 307	601 197 047	833 694 715	1 387 174 143	1 105 650 836	392,7%
Provision for impairment of other assets	574 109	410 162	903 483	395 296	-178 813	-31,1%
Derivatives - assets	-	340	104	28	28	-
Deferred tax asset	-	13 374	-	585	585	-
LIABILITIES	1 833 810 998	2 083 730 382	3 111 048 415	3 405 205 789	1 571 394 791	85,7%
Dues to banks	56 609 876	111 516 846	78 798 235	60 952 336	4 342 460	7,7%
On demand	54 295 122	39 086 434	72 083 247	51 821 495	-2 473 627	-4,6%
Residents	5 516 735	694 309	18 601 350	7 571 317	2 054 582	37,2%
Non-residents	48 778 387	38 392 125	53 481 897	44 250 178	-4 528 209	-9,3%
Term	2 265 883	72 396 598	6 589 760	9 125 297	6 859 414	302,7%
Central Bank of Russia	34 635	15 613 895	132 882	64 754	30 119	87,0%
up to 180 days	-	15 500 992	115 668	14 941	14 941	-
more than 180 days	34 635	112 903	17 214	49 813	15 178	43,8%
Residents	1 804 507	55 057 703	4 066 878	7 216 543	5 412 036	299,9%
up to 30 days	-	55 050 111	4 050 000	7 200 000	7 200 000	-
up to 180 days	1 804 507	7 592	16 878	16 543	-1 787 964	-99,1%
Non-residents	426 741	1 725 000	2 390 000	1 844 000	1 417 259	332,1%
up to 30 days	-	1 725 000	2 380 000	1 844 000	1 844 000	-
up to 180 days	426 741	-	10 000	-	-426 741	-100,0%
Other dues to banks	48 871	33 814	125 228	5 544	-43 327	-88,7%
On demand	1 073 028 907	1 079 768 226	1 893 460 204	1 077 715 564	4 686 657	0,4%
Corporate clients	1 056 157 616	1 060 654 526	1 869 886 924	1 059 124 847	2 967 231	0,3%
State-owned enterprises	185 719 953	186 550 277	379 457 515	171 470 014	-14 249 939	-7,7%
Residents	868 108 167	873 583 923	1 487 949 537	884 850 650	16 742 483	1,9%
Non-residents	2 329 496	520 326	2 479 872	2 804 183	474 687	20,4%
Individuals	16 771 590	18 710 090	23 497 553	18 372 162	1 600 572	9,5%
Residents	16 593 507	18 533 793	23 272 659	18 313 346	1 719 839	10,4%
Non-residents	178 083	176 297	224 894	58 816	-119 267	-67,0%
Brokerage accounts	99 701	403 610	75 727	218 555	118 854	119,2%
Residents	99 664	97 285	75 686	139 443	39 779	39,9%
Non-residents	37	306 325	41	79 112	79 075	213 716,2%
Term	485 568 990	425 419 597	452 208 932	569 484 285	83 915 295	17,3%
Corporate clients	482 603 795	422 106 774	448 247 018	566 263 940	83 660 145	17,3%
Residents	368 285 552	302 795 178	283 971 756	444 366 652	76 081 100	20,7%
up to 30 days	324 135 562	288 440 000	267 300 005	422 706 326	98 570 764	30,4%
up to 180 days	12 225 453	11 293 779	10 202 033	19 506 525	7 281 072	59,6%
up to 1 year	27 168 798	2 585 822	3 701 804	466 090	-26 702 708	-98,3%
up to 3 years	4 623 304	403 112	2 645 092	1 612 260	-3 011 044	-65,1%
more than 3 years	132 435	72 465	122 822	75 451	-56 984	-43,0%
State-owned enterprises	114 318 243	119 311 596	164 275 262	121 897 288	7 579 045	6,6%
up to 30 days	94 721 426	101 128 442	135 148 760	109 054 846	14 333 420	15,1%
up to 180 days	17 870 313	17 017 983	15 215 975	9 082 845	-8 787 468	-49,2%
up to 1 year	676 231	493 097	10 021 568	3 019 163	2 342 932	346,5%
up to 3 years	771 466	512 451	3 688 109	569 387	-202 079	-26,2%
more than 3 years	278 807	159 623	200 850	171 047	-107 760	-38,7%
Individuals	2 965 195	3 312 823	3 961 914	3 220 345	255 150	8,6%
residents	2 825 580	3 281 967	3 865 733	3 201 570	375 990	13,3%
up to 30 days	-	-	2	-	-	-
up to 180 days	231 535	161 923	189 140	232 943	1 408	0,6%
up to 1 year	297 243	379 366	362 887	245 142	-52 101	-17,5%
up to 3 years	2 284 858	2 738 713	3 309 909	2 708 894	424 036	18,6%
more than 3 years	11 944	1 965	3 795	14 591	2 647	22,2%
non-residents	139 615	30 856	96 181	18 775	-120 840	-86,6%
up to 180 days	131	76	28 498	149	18	13,7%
up to 1 year	8 380	7 585	16 868	4 278	-4 102	-48,9%
up to 3 years	131 104	23 195	50 815	14 348	-116 756	-89,1%
more than 3 years	-	-	-	-	-	-
Securities issued	43 221	28 841	582 690	83 061	39 840	92,2%
Promissory notes	43 221	28 841	582 690	83 061	39 840	92,2%
on demand	32 386	26 796	47 082	71 563	39 177	121,0%
up to 180 days	1 261	1 526	23 739	584	-677	-53,7%
up to 1 year	-	-	11 548	10 717	10 717	-
up to 3 years	220	519	500 321	197	-23	-10,5%
more than 3 years	9 354	-	-	-	-9 354	-100,0%
Other liabilities	218 560 004	466 996 872	685 998 354	1 696 970 543	1 478 410 539	676,4%
Other liabilities	217 449 756	465 509 254	684 595 918	1 694 961 473	1 477 511 717	679,5%
Accrued interest not yet paid	1 110 248	1 487 472	1 402 424	2 008 655	898 407	80,9%
Derivatives - liabilities	-	146	12	415	415	-
EQUITY	19 408 088	23 516 886	21 052 770	971 885 612	952 477 524	4 907,6%
Capital	1 631	3 880	3 163	2 481	850	52,1%
Profit from previous years	-	-	-	707 474 794	707 474 794	-
Retained earnings from previous years	-	-	-	707 474 794	707 474 794	-
Current year profit	19 406 457	23 513 006	21 049 607	264 408 337	245 001 880	1 262,5%
Current year retained earnings	19 406 457	23 513 006	21 049 607	264 408 337	245 001 880	1 262,5%
OFF-BALANCE SHEET	32 249 752	41 820 938	111 024 520	33 177 532	927 780	2,9%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	28 492 553	35 085 257	91 337 571	29 955 630	1 463 077	5,1%
Guarantees issued	2 301 939	2 215 140	5 812 625	8 795 747	6 493 808	282,1%
Unused credit limits opened	20 956 622	29 712 175	78 238 536	20 541 527	-415 095	-2,0%
Unused guarantee limits	5 233 992	3 157 942	7 286 410	618 356	-4 615 636	-88,2%
Collateral on loans	2 857 935	4 968 993	15 302 656	2 372 633	-485 302	-17,0%
goods	2 763 083	4 889 884	7 420 046	2 322 420	-440 663	-15,9%
securities	94 852	79 109	7 882 610	50 213	-44 639	-47,1%
Unprocessed payments	897 243	1 761 473	2 694 906	727 890	-169 353	-18,9%
Due to lack of funds on client accounts	897 243	1 761 473	2 694 906	727 890	-169 353	-18,9%
Other off-balance sheet accounts	2 021	5 215	1 689 387	121 379	119 358	5 905,9%
Written-off interest	591	1 616	2 759	1 722	1 131	191,4%
Written-off loans to banks	-	-	1 681 698	117 620	117 620	-
Written-off loans	1 430	3 599	4 930	2 037	607	42,4%
Credit card balances	42 282	52 150	27 318	35 740	-6 542	-15,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-