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

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	KAMSKIY GORIZONT	add to comparison
Central Bank of Russia registration number: 2554

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.	01.10.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	789 693	1 110 170	360 775	1,4	3,1	-428 918	-54,3%
High liquid assets	113 899	595 664	54 040	5,2	1,7	-59 859	-52,6%
Cash and equivalents	100 059	552 063	51 825	5,5	1,5	-48 234	-48,2%
Cash	66 594	300 761	34 022	4,5	0,8	-32 572	-48,9%
in cash and en route	65 058	299 532	33 715	4,6	0,8	-31 343	-48,2%
in ATMs	1 536	1 229	307	0,8	0,0	-1 229	-80,0%
Nostro account with Central Bank	33 465	251 302	17 803	7,5	0,7	-15 662	-46,8%
Nostro accounts	12 512	39 878	1 107	3,2	0,1	-11 405	-91,2%
Residents	12 512	39 878	1 107	3,2	0,1	-11 405	-91,2%
Money in transfer	2 197	3 625	1 795	1,6	0,0	-402	-18,3%
Provision for impairment of high-liquid assets	-869	280	-687	0,3	0,0	182	-20,9%
Interest-earning assets	589 049	454 804	228 474	0,8	1,3	-360 575	-61,2%
Dues from banks	26 692	25 032	1 678	0,9	0,1	-25 014	-93,7%
Residents	26 709	25 032	1 695	0,9	0,1	-25 014	-93,7%
up to 30 days	26 709	25 032	1 695	0,9	0,1	-25 014	-93,7%
Loans past-due	220	-	220	0,0	0,0	-	0,0%
residents	220	-	220	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-237	-	-237	0,0	0,0	-	0,0%
Loans to corporate clients	161 606	95 831	84 302	0,6	0,3	-77 304	-47,8%
residents	181 641	70 075	111 566	0,4	0,2	-70 075	-38,6%
up to 30 days	52 849	52 586	263	1,0	0,1	-52 586	-99,5%
up to 180 days	9 860	3 340	6 520	0,3	0,0	-3 340	-33,9%
up to 1 year	5 160	2 074	3 086	0,4	0,0	-2 074	-40,2%
up to 3 years	96 448	9 739	86 709	0,1	0,0	-9 739	-10,1%
more than 3 years	17 324	2 336	14 988	0,1	0,0	-2 336	-13,5%
Past-due	20 828	1 663	21 440	0,1	0,0	612	2,9%
residents	20 828	1 663	21 440	0,1	0,0	612	2,9%
Provision for impairment of corporate loans	-40 863	24 705	-48 704	0,6	0,1	-7 841	19,2%
residents	-40 863	24 705	-48 704	0,6	0,1	-7 841	19,2%
Loans to private entrepreneurs	8 991	1 607	7 681	0,2	0,0	-1 310	-14,6%
up to 3 years	29	29	-	1,0	0,0	-29	-100,0%
more than 3 years	12 040	411	11 629	0,0	0,0	-411	-3,4%
Past-due	277	141	418	0,5	0,0	141	50,9%
Provision for impairment of loans to private entrepreneurs	-3 355	1 167	-4 366	0,3	0,0	-1 011	30,1%
Loans to individuals	391 760	332 334	134 813	0,8	0,9	-256 947	-65,6%
Standard	421 193	68 672	363 522	0,2	0,2	-57 671	-13,7%
up to 30 days	93	6	87	0,1	0,0	-6	-6,5%
up to 180 days	256 488	60 065	207 416	0,2	0,2	-49 072	-19,1%
up to 1 year	1 910	192	1 718	0,1	0,0	-192	-10,1%
up to 3 years	25 015	1 115	23 900	0,0	0,0	-1 115	-4,5%
more than 3 years	137 687	7 294	130 401	0,1	0,0	-7 286	-5,3%
Memo: mortgage loans	62 894	-	-	0,0	0,0	-62 894	-100,0%
Past-due	21 745	48 485	69 216	2,2	0,1	47 471	218,3%
Past-due	21 745	48 485	69 216	2,2	0,1	47 471	218,3%
Memo: mortgage loans past-due	2 016	-	-	0,0	0,0	-2 016	-100,0%
Provision for impairment of loans to individuals	-51 178	262 648	-297 925	5,1	0,7	-246 747	482,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	86 745	59 702	78 261	0,7	0,2	-8 484	-9,8%
Mandatory reserves with Central Bank	4 734	18 286	23 020	3,9	0,1	18 286	386,3%
Premises and equipment	64 331	752	63 755	0,0	0,0	-576	-0,9%
Purchase cost	76 185	364	75 997	0,0	0,0	-188	-0,2%
Depreciation	-11 854	388	-12 242	0,0	0,0	-388	3,3%
Accrued interest not yet received	7 472	8 741	1 857	1,2	0,0	-5 615	-75,1%
Other assets	187 372	27 677	185 338	0,1	0,1	-2 034	-1,1%
Provision for impairment of other assets	-177 164	22 532	-195 709	0,1	0,1	-18 545	10,5%
LIABILITIES	559 967	462 480	419 730	0,8	1,3	-140 237	-25,0%
Dues to banks	-	-	-	-	-	-	-
Other dues to banks	-	-	-	-	-	-	-
On demand	124 664	335 355	34 069	2,7	0,9	-90 595	-72,7%
Corporate clients	97 415	261 702	15 119	2,7	0,7	-82 296	-84,5%
State-owned enterprises	152	159	53	1,0	0,0	-99	-65,1%
Residents	97 263	261 320	15 066	2,7	0,7	-82 197	-84,5%
Non-residents	-	223	-	-	-	-	-
Individuals	27 249	73 653	18 950	2,7	0,2	-8 299	-30,5%
Residents	27 249	73 653	18 836	2,7	0,2	-8 413	-30,9%
Non-residents	-	114	114	-	-	114	-
Term	406 116	85 757	355 126	0,2	0,2	-50 990	-12,6%
Corporate clients	1 165	-	1 165	0,0	0,0	-	0,0%
Residents	1 165	-	1 165	0,0	0,0	-	0,0%
up to 1 year	1 165	-	1 165	0,0	0,0	-	0,0%
up to 3 years	-	-	-	-	-	-	-
Individuals	404 951	85 757	353 961	0,2	0,2	-50 990	-12,6%
residents	404 586	85 641	353 709	0,2	0,2	-50 877	-12,6%
up to 180 days	1 400	-	1 400	0,0	0,0	-	0,0%
up to 1 year	25 954	8 030	19 011	0,3	0,0	-6 943	-26,8%
up to 3 years	371 860	73 811	329 206	0,2	0,2	-42 654	-11,5%
more than 3 years	5 372	3 800	4 092	0,7	0,0	-1 280	-23,8%
non-residents	365	116	252	0,3	0,0	-113	-31,0%
up to 3 years	353	103	250	0,3	0,0	-103	-29,2%
more than 3 years	12	13	2	1,1	0,0	-10	-83,3%
Other liabilities	29 187	42 716	30 535	1,5	0,1	1 348	4,6%
Other liabilities	10 376	39 397	12 306	3,8	0,1	1 930	18,6%
Accrued interest not yet paid	12 169	3 901	11 587	0,3	0,0	-582	-4,8%
Deferred tax liabilities	6 642	-	6 642	0,0	0,0	-	0,0%
EQUITY	229 726	360 165	-58 954	1,6	1,0	-288 680	-125,7%
Capital	313 480	25 740	313 480	0,1	0,1	-	0,0%
Profit from previous years	87 872	-	87 872	0,0	0,0	-	0,0%
Retained earnings from previous years	87 872	-	87 872	0,0	0,0	-	0,0%
Current year profit	-171 237	334 375	-459 984	2,0	0,9	-288 747	168,6%
Current year retained earnings	-171 237	334 375	-459 984	2,0	0,9	-288 747	168,6%
Future expenses	-389	117	-322	0,3	0,0	67	-17,2%
OFF-BALANCE SHEET	1 159 458	259 616	1 080 869	0,2	0,7	-78 589	-6,8%
Contingent liabilities	-217 485	88 959	-189 526	0,4	0,2	27 959	-12,9%
Guarantees issued	-107 509	3 489	-104 020	0,0	0,0	3 489	-3,2%
Unused credit limits opened	-109 976	85 470	-85 506	0,8	0,2	24 470	-22,3%
Collateral on loans	1 208 161	153 243	1 090 083	0,1	0,4	-118 078	-9,8%
goods	1 208 161	153 243	1 090 083	0,1	0,4	-118 078	-9,8%
Unprocessed payments	166 037	8 363	172 139	0,1	0,0	6 102	3,7%
Due to lack of funds on client accounts	166 037	8 363	172 139	0,1	0,0	6 102	3,7%
Other off-balance sheet accounts	2 745	9 051	8 173	3,3	0,0	5 428	197,7%
Accrued interest not yet received	9 400	9 051	14 828	1,0	0,0	5 428	57,7%
Written-off interest	-1 104	-	-1 104	0,0	0,0	-	0,0%
Written-off loans	-5 551	-	-5 551	0,0	0,0	-	0,0%
Credit card balances	93	6	87	0,1	0,0	-6	-6,5%
Past due ratio, total	651	-	1 576	0,0	0,0	925	142,1%
Past due ratio, individuals	536	-	1 599	0,0	0,0	1 063	198,3%
Past due ratio, corporates	1 029	-	1 612	0,0	0,0	583	56,7%
Past due ratio, entrepreneurs	224	-	347	0,0	0,0	123	54,9%
Past due ratio, corporates + entrepreneurs	982	-	1 507	0,0	0,0	525	53,5%
Risk-weighted assets	1 060 991	-	-	0,0	0,0	-1 060 991	-100,0%