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

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	ZAPADNIY	add to comparison
Central Bank of Russia registration number: 2598

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	123 162 113	118 993 911	137 367 085	284 468 362	161 306 249	131,0%
High liquid assets	55 983 797	62 011 501	68 807 338	151 073 872	95 090 075	169,9%
Cash and equivalents	23 047 610	17 392 109	18 856 145	32 941 395	9 893 785	42,9%
Cash	8 041 891	5 229 812	5 726 132	6 608 395	-1 433 496	-17,8%
in cash and en route	7 916 346	5 112 614	5 604 789	6 494 609	-1 421 737	-18,0%
in ATMs	125 545	117 198	121 343	113 786	-11 759	-9,4%
Nostro account with Central Bank	15 005 719	12 162 297	13 130 013	26 333 000	11 327 281	75,5%
Nostro accounts	13 634 610	22 754 972	27 367 003	66 146 788	52 512 178	385,1%
Non-residents	2 785 018	6 935 031	8 273 186	19 267 840	16 482 822	591,8%
Residents	10 849 592	15 819 941	19 093 817	46 878 948	36 029 356	332,1%
Money in transfer	10 274 278	11 305 563	11 605 554	29 588 890	19 314 612	188,0%
Exchange accounts	9 027 299	10 558 857	10 978 636	22 396 799	13 369 500	148,1%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	19 000 240	10 175 153	15 383 524	12 965 525	-6 034 715	-31,8%
Dues from banks	4 244 921	2 754 901	4 975 504	1 256 811	-2 988 110	-70,4%
Central Bank of Russia	-	282 000	-	-	-	-
Residents	4 244 921	2 472 901	4 975 504	730 487	-3 514 434	-82,8%
up to 30 days	4 244 921	2 472 901	4 975 504	730 487	-3 514 434	-82,8%
Non-residents	-	-	-	526 324	526 324	-
up to 30 days	-	-	-	526 324	526 324	-
Securities	10 691 402	5 738 809	8 028 748	7 998 369	-2 693 033	-25,2%
Bonds	10 685 773	5 736 643	8 028 748	6 003 059	-4 682 714	-43,8%
Federal Loan Bonds (OFZs), OBRs	1 670 139	1 651 167	1 843 965	1 098 288	-571 851	-34,2%
Corporate bonds	2 731 618	770 167	1 434 670	1 946 257	-785 361	-28,8%
Financial institutions bonds	494 278	551 193	738 672	496 681	2 403	0,5%
Corporate foreign bonds	10 865	28 052	18 193	12 918	2 053	18,9%
Foreign financial institutions bonds	4 091	11 797	12 056	9 170	5 079	124,2%
Valuation allowance	55 967	55 284	8 044	4 756	-51 211	-91,5%
Pledged under REPO	5 718 815	2 668 983	3 973 148	2 434 989	-3 283 826	-57,4%
Stocks	5 629	2 166	-	1 995 310	1 989 681	35 347,0%
Residents	-	-	-	1 924 020	1 924 020	-
Valuation allowance	5 629	2 166	-	71 290	65 661	1 166,5%
Loans to corporate clients	3 010 070	1 192 528	1 792 313	2 453 097	-556 973	-18,5%
residents	3 007 158	1 189 188	1 785 962	1 835 139	-1 172 019	-39,0%
up to 30 days	3 883	3 684	26 126	5 308	1 425	36,7%
up to 180 days	300 000	-	-	-	-300 000	-100,0%
up to 1 year	2 324 625	575 100	1 109 895	1 803 325	-521 300	-22,4%
up to 3 years	375 800	610 404	900	-	-375 800	-100,0%
more than 3 years	2 850	-	649 041	26 506	23 656	830,0%
non-residents	-	-	-	609 000	609 000	-
up to 1 year	-	-	-	609 000	609 000	-
Past-due	221	3 319	2 822	8 166	7 945	3 595,0%
residents	221	3 319	2 822	8 166	7 945	3 595,0%
Provision for impairment of corporate loans	2 691	21	3 529	792	-1 899	-70,6%
residents	2 691	21	3 529	792	-1 899	-70,6%
Loans to private entrepreneurs	18 408	6 495	11 668	4 466	-13 942	-75,7%
up to 1 year	250	-	-	-	-250	-100,0%
up to 3 years	7 870	4 300	7 200	2 050	-5 820	-74,0%
more than 3 years	6 395	1 350	2 350	900	-5 495	-85,9%
Past-due	811	723	941	1 321	510	62,9%
Provision for impairment of loans to private entrepreneurs	3 082	122	1 177	195	-2 887	-93,7%
Loans to individuals	1 035 439	482 420	575 291	1 252 782	217 343	21,0%
Standard	777 309	339 313	271 024	973 135	195 826	25,2%
up to 30 days	1 547	1 490	478	1 719	172	11,1%
up to 180 days	469	219	365	401	-68	-14,5%
up to 1 year	22 685	11 822	13 326	14 405	-8 280	-36,5%
up to 3 years	246 830	119 633	130 616	146 236	-100 594	-40,8%
more than 3 years	505 778	206 149	126 239	810 374	304 596	60,2%
Past-due	124 992	123 057	124 676	115 481	-9 511	-7,6%
Past-due	124 992	123 057	124 676	115 481	-9 511	-7,6%
Provision for impairment of loans to individuals	133 138	20 050	179 591	164 166	31 028	23,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	48 178 076	46 807 257	53 176 223	120 428 965	72 250 889	150,0%
Mandatory reserves with Central Bank	10 919	-	4 520	4 816	-6 103	-55,9%
Premises and equipment	1 876 008	957 696	1 386 033	1 082 250	-793 758	-42,3%
Purchase cost	1 872 072	957 217	1 386 033	1 081 913	-790 159	-42,2%
Depreciation	3 936	479	-	337	-3 599	-91,4%
Accrued interest not yet received	289 098	282 823	331 074	299 764	10 666	3,7%
Non-current assets	-	-	-	-	-	-
Other assets	45 986 086	45 565 309	51 450 574	119 041 254	73 055 168	158,9%
Provision for impairment of other assets	15 965	1 429	4 022	881	-15 084	-94,5%
LIABILITIES	71 329 394	63 785 425	73 620 197	154 552 580	83 223 186	116,7%
Dues to banks	6 712 646	2 419 821	3 307 612	2 242 381	-4 470 265	-66,6%
On demand	3 000 123	-	-	128	-2 999 995	-100,0%
Residents	3 000 123	-	-	128	-2 999 995	-100,0%
Term	3 712 523	2 419 821	3 307 612	2 188 777	-1 523 746	-41,0%
Central Bank of Russia	3 711 714	2 415 266	2 903 125	2 178 315	-1 533 399	-41,3%
more than 180 days	-	-	-	-	-	-
other	3 711 714	2 415 266	2 903 125	2 178 315	-1 533 399	-41,3%
Residents	809	4 555	404 487	10 462	9 653	1 193,2%
up to 30 days	214	-	401 714	-	-214	-100,0%
more than 180 days	595	4 555	2 773	10 462	9 867	1 658,3%
Other dues to banks	-	-	-	53 476	53 476	-
On demand	13 262 873	11 326 121	13 334 234	27 804 548	14 541 675	109,6%
Corporate clients	11 030 099	10 142 700	12 024 805	25 595 122	14 565 023	132,0%
Residents	11 030 092	10 142 700	12 024 805	25 595 122	14 565 030	132,0%
Non-residents	7	-	-	-	-7	-100,0%
Individuals	2 232 774	1 183 421	1 309 429	2 209 426	-23 348	-1,0%
Residents	2 220 642	1 181 134	1 308 726	2 208 449	-12 193	-0,5%
Non-residents	12 132	2 287	703	977	-11 155	-91,9%
Brokerage accounts	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	2 937 836	2 505 934	3 418 456	3 897 041	959 205	32,7%
Corporate clients	40 691	13 667	33 730	62 700	22 009	54,1%
Residents	40 691	13 667	33 730	62 700	22 009	54,1%
up to 180 days	73	12 692	-	-	-73	-100,0%
up to 1 year	403	903	403	7 703	7 300	1 811,4%
up to 3 years	40 215	72	33 327	54 997	14 782	36,8%
more than 3 years	-	-	-	-	-	-
Individuals	2 897 145	2 492 267	3 384 726	3 834 341	937 196	32,3%
residents	2 888 516	2 484 573	3 367 994	3 819 588	931 072	32,2%
up to 30 days	110	47	23	34	-76	-69,1%
up to 180 days	2 007 850	1 590 348	1 942 605	1 945 406	-62 444	-3,1%
up to 1 year	78 249	135 726	242 066	261 956	183 707	234,8%
up to 3 years	802 304	758 449	1 183 298	1 612 189	809 885	100,9%
more than 3 years	3	3	2	3	-	0,0%
non-residents	8 629	7 694	16 732	14 753	6 124	71,0%
up to 180 days	3 903	4 887	9 731	5 928	2 025	51,9%
up to 1 year	108	1 788	2 947	3 112	3 004	2 781,5%
up to 3 years	4 618	1 019	4 054	5 713	1 095	23,7%
Securities issued	165 610	110 708	209 150	224 440	58 830	35,5%
Promissory notes	165 610	110 708	209 150	224 440	58 830	35,5%
on demand	55 908	46 463	86 204	50 223	-5 685	-10,2%
up to 30 days	-	-	723	-	-	-
up to 180 days	46 742	21 852	25 365	20 337	-26 405	-56,5%
up to 1 year	19 835	17 549	48 322	45 280	25 445	128,3%
up to 3 years	37 542	18 320	36 970	100 585	63 043	167,9%
more than 3 years	-	-	350	-	-	-
Discount accrued	5 583	6 524	11 216	8 015	2 432	43,6%
Other liabilities	48 250 429	47 422 841	53 350 745	120 384 170	72 133 741	149,5%
Other liabilities	48 007 342	47 190 097	53 164 752	120 187 826	72 180 484	150,4%
Accrued interest not yet paid	243 087	232 744	185 993	196 344	-46 743	-19,2%
EQUITY	862 116	13 819 009	1 103 117	14 572 587	13 710 471	1 590,3%
Capital	112 556	60 290	17 277	52 123	-60 433	-53,7%
Profit from previous years	-	6 227 483	81 570	13 063 785	13 063 785	-
Retained earnings from previous years	-	6 195 374	81 570	13 063 785	13 063 785	-
Distribution of previous years profit	-	32 109	-	-	-	-
Current year profit	702 772	7 498 892	990 618	1 455 153	752 381	107,1%
Current year retained earnings	702 772	7 498 892	990 618	1 455 153	752 381	107,1%
Distribution of current year profit	-	-	-	-	-	-
Future expenses	46 788	32 344	13 652	1 526	-45 262	-96,7%
OFF-BALANCE SHEET	2 365 393	56 198	941 632	193 468	-2 171 925	-91,8%
Contingent liabilities	2 256 046	10 686	36 158	137 733	-2 118 313	-93,9%
Unused credit limits opened	2 256 046	10 686	36 158	137 733	-2 118 313	-93,9%
Collateral on loans	82 531	23 226	881 550	36 380	-46 151	-55,9%
goods	33 031	23 226	881 550	36 380	3 349	10,1%
securities	49 500	-	-	-	-49 500	-100,0%
Other off-balance sheet accounts	26 816	22 286	23 924	19 355	-7 461	-27,8%
Accrued interest not yet received	26 816	22 286	23 924	19 355	-7 461	-27,8%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	1 547	1 490	478	1 719	172	11,1%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-