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

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Central Bank of Russia registration number: 2562 CB RF representative, complies with 214-FZ (equity construction), 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	7 565 143 519	10 865 128 307	8 700 018 939	9 223 041 077	1 657 897 558	21,9%
High liquid assets	3 670 172 922	5 571 326 522	3 535 278 166	3 748 000 648	77 827 726	2,1%
Cash and equivalents	433 350 058	641 773 999	553 140 638	568 016 455	134 666 397	31,1%
Cash	139 552 507	139 420 227	146 739 681	176 299 909	36 747 402	26,3%
in cash and en route	126 676 227	126 665 468	133 948 093	163 843 344	37 167 117	29,3%
in ATMs	12 875 835	12 754 755	12 791 580	12 456 565	-419 270	-3,3%
precious metals	445	4	8	-	-445	-100,0%
Nostro account with Central Bank	293 797 551	502 353 772	406 400 957	391 716 546	97 918 995	33,3%
Nostro accounts	303 240 886	335 476 258	393 022 279	505 700 338	202 459 452	66,8%
Non-residents	101 920 231	85 347 960	81 622 968	70 588 272	-31 331 959	-30,7%
Residents	201 320 655	250 128 298	311 399 311	435 112 066	233 791 411	116,1%
Money in transfer	1 358 945 049	1 771 054 304	856 097 972	904 426 459	-454 518 590	-33,4%
Exchange accounts	1 574 636 095	2 823 021 238	1 732 883 632	1 769 857 178	195 221 083	12,4%
Provision for impairment of high-liquid assets	834	723	133 645	218	-616	-73,9%
Interest-earning assets	592 410 725	1 201 444 499	869 575 987	1 149 310 012	556 899 287	94,0%
Dues from banks	264 539 927	874 732 536	522 037 418	612 523 487	347 983 560	131,5%
Central Bank of Russia	43 000 000	182 800 000	19 000 000	39 000 000	-4 000 000	-9,3%
Residents	220 048 589	689 052 664	495 053 690	569 577 105	349 528 516	158,8%
up to 30 days	32 507 212	469 422 810	254 434 654	162 911 617	130 404 405	401,2%
up to 180 days	158 217 434	207 105 620	205 278 548	328 878 566	170 661 132	107,9%
more than 180 days	29 323 943	12 524 234	35 340 488	77 786 922	48 462 979	165,3%
Non-residents	1 491 338	2 879 872	7 983 728	3 946 382	2 455 044	164,6%
up to 30 days	1 308 170	2 879 872	4 033 796	3 785 516	2 477 346	189,4%
up to 180 days	183 168	-	3 949 932	160 866	-22 302	-12,2%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	312 638 937	302 992 134	301 261 116	525 954 436	213 315 499	68,2%
Bonds	306 481 089	302 991 813	301 261 116	524 135 927	217 654 838	71,0%
Federal Loan Bonds (OFZs), OBRs	3 911 156	5 038 517	4 359 860	2 081	-3 909 075	-99,9%
Corporate bonds	23 386 483	10 793 027	5 241 733	107 970 727	84 584 244	361,7%
Financial institutions bonds	11 380 552	10 380 841	29 201 848	88 235 724	76 855 172	675,3%
Corporate foreign bonds	107 867 528	124 782 795	114 780 371	74 248 191	-33 619 337	-31,2%
Foreign financial institutions bonds	11 907 799	1 132 083	1 144 574	1 005 595	-10 902 204	-91,6%
Valuation allowance	412 057	915 105	526 111	302 770	-109 287	-26,5%
Pledged under REPO	147 615 514	149 942 868	146 006 619	252 370 136	104 754 622	71,0%
Provision for impairment of bonds	-	6 577	-	703	703	-
Promissory notes	-	-	-	705 172	705 172	-
Corporate	-	-	-	705 172	705 172	-
Stocks	157 848	321	-	1 113 337	955 489	605,3%
Residents	-	-	-	311 780	311 780	-
Valuation allowance	7 858	297	-	9 563	1 705	21,7%
Provision for impairment of stocks	149 990	24	-	791 994	642 004	428,0%
Mutual funds	6 000 000	-	-	-	-6 000 000	-100,0%
Loans to corporate clients	12 300 762	20 956 193	43 025 801	8 444 183	-3 856 579	-31,4%
residents	8 060 180	17 269 011	39 578 281	7 602 371	-457 809	-5,7%
up to 30 days	785 917	908 464	3 492 143	762 244	-23 673	-3,0%
up to 180 days	1 506 569	1 335 802	6 836 896	3 572 089	2 065 520	137,1%
up to 1 year	5 048 831	8 679 243	8 461 434	1 184 682	-3 864 149	-76,5%
up to 3 years	466 165	4 653 494	9 494 324	792 314	326 149	70,0%
more than 3 years	252 698	1 692 008	11 293 484	1 291 042	1 038 344	410,9%
non-residents	659 418	839 537	257 795	130 956	-528 462	-80,1%
up to 30 days	66 487	502 015	50 609	36 884	-29 603	-44,5%
up to 180 days	37 130	1 615	1 073	460	-36 670	-98,8%
up to 1 year	324 175	178 959	64 451	436	-323 739	-99,9%
up to 3 years	231 626	156 948	141 662	93 176	-138 450	-59,8%
state-owned enterprises	69 978	-	6 000	-	-69 978	-100,0%
up to 3 years	-	-	6 000	-	-	-
more than 3 years	69 978	-	-	-	-69 978	-100,0%
Past-due	160 287	783 417	506 678	187 900	27 613	17,2%
residents	146 690	775 530	498 617	181 123	34 433	23,5%
non-residents	3 944	2 558	2 258	1 806	-2 138	-54,2%
state-owned enterprises	9 653	5 329	5 803	4 971	-4 682	-48,5%
Provision for impairment of corporate loans	3 350 899	2 064 228	2 677 047	522 956	-2 827 943	-84,4%
residents	2 150 740	2 059 346	2 660 308	520 349	-1 630 391	-75,8%
non-residents	1 197 577	1 947	5 480	1 197	-1 196 380	-99,9%
state-owned enterprises	2 582	2 935	11 259	1 410	-1 172	-45,4%
Loans to private entrepreneurs	92 327	264 598	173 236	82 161	-10 166	-11,0%
up to 30 days	28 251	31 121	37 052	25 782	-2 469	-8,7%
up to 180 days	1 877	2 000	4 901	15 715	13 838	737,2%
up to 1 year	-	-	-	-	-	-
up to 3 years	3 700	900	18 735	8 961	5 261	142,2%
more than 3 years	35 571	185 130	55 698	9 637	-25 934	-72,9%
Past-due	6 738	19 258	6 885	9 127	2 389	35,5%
Provision for impairment of loans to private entrepreneurs	16 190	26 189	49 965	12 939	-3 251	-20,1%
Loans to individuals	2 838 772	2 499 038	3 078 416	2 305 745	-533 027	-18,8%
Standard	2 040 954	1 809 043	1 728 984	1 585 998	-454 956	-22,3%
up to 30 days	876 402	922 303	973 173	985 608	109 206	12,5%
up to 180 days	30 000	-	30 700	2 000	-28 000	-93,3%
up to 1 year	164 773	102 615	28 800	30 600	-134 173	-81,4%
up to 3 years	582 010	460 185	427 967	372 205	-209 805	-36,0%
more than 3 years	387 769	323 940	268 344	195 585	-192 184	-49,6%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	447 220	308 608	321 663	437 785	-9 435	-2,1%
Past-due	447 220	308 608	321 663	437 785	-9 435	-2,1%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	350 598	381 387	1 027 769	281 962	-68 636	-19,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	3 302 559 872	4 092 357 286	4 295 164 786	4 325 730 417	1 023 170 545	31,0%
Mandatory reserves with Central Bank	-	276 661	832 267	57 376	57 376	-
Premises and equipment	3 774 575	4 755 426	9 967 658	6 277 090	2 502 515	66,3%
Purchase cost	3 732 674	4 744 678	9 960 476	6 262 937	2 530 263	67,8%
Depreciation	41 901	10 748	7 182	14 153	-27 748	-66,2%
Accrued interest not yet received	6 034 910	6 454 306	6 213 407	6 129 771	94 861	1,6%
Other assets	3 291 139 858	4 077 828 586	4 276 653 390	4 312 301 120	1 021 161 262	31,0%
Investments in subsidiaries	-	26 410	-	-	-	-
Provision for impairment of other assets	1 610 529	1 586 035	1 498 064	965 060	-645 469	-40,1%
Deferred tax asset	-	1 429 862	-	-	-	-
LIABILITIES	3 890 265 596	5 014 592 958	5 310 931 382	5 257 782 158	1 367 516 562	35,2%
Dues to banks	329 237 667	671 611 191	579 069 347	531 461 662	202 223 995	61,4%
On demand	33 548 960	22 105 718	105 172 671	101 249 144	67 700 184	201,8%
Residents	33 548 960	22 105 718	105 172 671	101 249 144	67 700 184	201,8%
Term	294 112 525	648 689 367	471 676 974	425 267 486	131 154 961	44,6%
Central Bank of Russia	40 144 484	440 553 892	267 614 079	146 062 612	105 918 128	263,8%
more than 180 days	1 168 200	-	-	-	-1 168 200	-100,0%
other	38 976 284	440 553 892	267 614 079	146 062 612	107 086 328	274,7%
Residents	253 941 161	208 076 763	204 014 663	279 147 156	25 205 995	9,9%
up to 30 days	209 701 848	197 301 046	166 362 509	266 410 984	56 709 136	27,0%
up to 180 days	44 104 827	10 772 955	37 650 000	12 500 000	-31 604 827	-71,7%
more than 180 days	134 486	2 762	2 154	236 172	101 686	75,6%
Non-residents	26 880	58 712	48 232	57 718	30 838	114,7%
up to 30 days	-	3 666	-	3 575	3 575	-
more than 180 days	26 880	55 046	48 232	54 143	27 263	101,4%
Other dues to banks	1 576 182	816 106	2 219 702	4 945 032	3 368 850	213,7%
On demand	226 099 638	223 097 579	371 377 838	364 656 779	138 557 141	61,3%
Corporate clients	175 957 765	188 941 672	328 773 030	313 556 611	137 598 846	78,2%
State-owned enterprises	3 977 101	960 008	1 216 472	1 014 934	-2 962 167	-74,5%
Residents	168 039 713	180 660 278	295 493 657	282 110 573	114 070 860	67,9%
Non-residents	3 940 951	7 321 386	32 062 901	30 431 104	26 490 153	672,2%
Individuals	41 275 987	33 612 622	42 123 455	41 622 868	346 881	0,8%
Residents	39 838 347	31 960 943	40 480 869	39 565 876	-272 471	-0,7%
Non-residents	1 437 640	1 651 679	1 642 586	2 056 992	619 352	43,1%
Brokerage accounts	8 865 886	543 285	481 353	9 477 300	611 414	6,9%
Residents	8 865 886	543 284	481 352	9 477 299	611 413	6,9%
Non-residents	-	1	1	1	1	-
Term	76 672 162	96 419 972	139 152 613	116 735 796	40 063 634	52,3%
Corporate clients	40 499 405	50 054 883	77 745 774	77 454 819	36 955 414	91,2%
Residents	36 779 995	46 708 672	76 032 927	75 337 674	38 557 679	104,8%
up to 30 days	24 481 162	27 592 702	50 253 644	52 488 285	28 007 123	114,4%
up to 180 days	10 808 476	12 095 385	24 130 291	8 678 745	-2 129 731	-19,7%
up to 1 year	1 334 911	5 744 238	1 172 505	884 900	-450 011	-33,7%
up to 3 years	77 446	1 236 021	175 912	7 470 734	7 393 288	9 546,4%
more than 3 years	78 000	40 326	300 575	5 815 010	5 737 010	7 355,1%
Non-residents	2 623 859	1 967 354	1 493 069	993 753	-1 630 106	-62,1%
up to 180 days	272 372	14 046	27 481	106 563	-165 809	-60,9%
up to 1 year	1 626 652	446 000	-	-	-1 626 652	-100,0%
more than 3 years	724 835	1 507 308	1 465 588	887 190	162 355	22,4%
State-owned enterprises	1 095 551	1 378 857	219 778	1 123 392	27 841	2,5%
up to 30 days	2 550	22 050	67 900	107 802	105 252	4 127,5%
up to 180 days	1 093 001	1 356 807	81 878	1 015 590	-77 411	-7,1%
up to 1 year	-	-	70 000	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	36 172 757	46 365 089	61 406 839	39 280 977	3 108 220	8,6%
residents	35 055 947	44 893 928	59 771 404	37 710 213	2 654 266	7,6%
up to 30 days	-	-	-	-	-	-
up to 180 days	8 168 414	7 932 727	7 757 605	8 344 655	176 241	2,2%
up to 1 year	20 344 248	26 539 559	43 061 871	21 939 070	1 594 822	7,8%
up to 3 years	6 496 315	10 369 541	8 926 468	7 402 743	906 428	14,0%
more than 3 years	46 970	52 101	25 460	23 745	-23 225	-49,4%
non-residents	1 116 810	1 471 161	1 635 435	1 570 764	453 954	40,6%
up to 180 days	385 050	423 989	473 820	323 157	-61 893	-16,1%
up to 1 year	380 831	540 010	525 756	716 505	335 674	88,1%
up to 3 years	336 242	498 070	635 497	529 899	193 657	57,6%
more than 3 years	14 687	9 092	362	1 203	-13 484	-91,8%
Securities issued	20 339 754	1 144 889	10 914 409	222 216	-20 117 538	-98,9%
Bonds	19 217 735	-	8 038 157	-	-19 217 735	-100,0%
Promissory notes	1 122 019	1 144 889	2 876 252	222 216	-899 803	-80,2%
on demand	664 672	479 173	1 662 369	98 269	-566 403	-85,2%
up to 180 days	130 202	608 318	1 101 897	92 781	-37 421	-28,7%
up to 1 year	255 466	16 227	49 863	19 932	-235 534	-92,2%
up to 3 years	3 503	14 801	30 240	10 512	7 009	200,1%
more than 3 years	-	-	-	-	-	-
Discount accrued	68 176	26 370	31 883	722	-67 454	-98,9%
Other liabilities	3 237 916 375	4 022 319 327	4 210 417 175	4 244 705 705	1 006 789 330	31,1%
Other liabilities	3 231 473 199	4 015 507 882	4 201 562 152	4 241 793 172	1 010 319 973	31,3%
Accrued interest not yet paid	6 443 176	6 696 918	8 855 023	2 912 533	-3 530 643	-54,8%
Deferred tax liabilities	-	114 527	-	-	-	-
EQUITY	49 085 536	48 170 216	45 459 262	37 517 452	-11 568 084	-23,6%
Capital	1 131 719	605 660	598 419	1 011 866	-119 853	-10,6%
Profit from previous years	2 749 991	-	-	-	-2 749 991	-100,0%
Retained earnings from previous years	2 749 991	-	-	-	-2 749 991	-100,0%
Current year profit	45 192 410	47 553 219	44 798 743	36 489 175	-8 703 235	-19,3%
Current year retained earnings	45 192 410	47 553 219	44 798 743	36 489 175	-8 703 235	-19,3%
Future expenses	11 416	11 337	62 100	16 411	4 995	43,8%
OFF-BALANCE SHEET	31 229 866	46 465 659	50 989 152	27 809 916	-3 419 950	-11,0%
Unused credit limits available	34 458	535 837	-	-	-34 458	-100,0%
Contingent liabilities	20 641 180	29 605 235	44 560 677	18 884 854	-1 756 326	-8,5%
Guarantees issued	3 380 833	5 070 259	6 657 848	6 343 518	2 962 685	87,6%
Unused credit limits opened	7 855 983	16 084 761	28 954 912	6 860 403	-995 580	-12,7%
Unused guarantee limits	9 404 364	8 450 215	8 947 917	5 680 933	-3 723 431	-39,6%
Collateral on loans	6 144 499	12 288 889	2 682 291	2 519 549	-3 624 950	-59,0%
goods	5 990 841	12 141 116	2 536 152	2 358 485	-3 632 356	-60,6%
securities	153 658	147 773	146 139	161 064	7 406	4,8%
Unprocessed payments	4 161 534	3 853 510	3 479 728	6 210 267	2 048 733	49,2%
Due to lack of funds on client accounts	4 161 534	3 853 510	3 479 728	6 210 267	2 048 733	49,2%
Other off-balance sheet accounts	248 195	182 188	266 456	195 246	-52 949	-21,3%
Accrued interest not yet received	242 300	178 784	262 957	191 878	-50 422	-20,8%
Written-off interest	426	237	253	215	-211	-49,5%
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	5 469	3 167	3 246	3 153	-2 316	-42,3%
Credit card balances	876 402	922 303	973 173	985 608	109 206	12,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-