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

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	PROMEHNERGOBANK	add to comparison
Central Bank of Russia registration number: 2728

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.	01.07.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	3 456 224	5 930 613	3 105 347	1,7	1,9	-350 877	-10,2%
High liquid assets	290 074	2 650 571	77 813	9,1	0,9	-212 261	-73,2%
Cash and equivalents	118 421	1 648 600	30 655	13,9	0,5	-87 766	-74,1%
Cash	77 589	774 442	23 606	10,0	0,2	-53 983	-69,6%
in cash and en route	69 197	732 397	23 418	10,6	0,2	-45 779	-66,2%
in ATMs	8 392	42 045	188	5,0	0,0	-8 204	-97,8%
Nostro account with Central Bank	40 832	874 158	7 049	21,4	0,3	-33 783	-82,7%
Nostro accounts	153 930	410 281	41 933	2,7	0,1	-111 997	-72,8%
Non-residents	135 121	148 203	3 489	1,1	0,0	-131 632	-97,4%
Residents	18 809	281 713	38 444	15,0	0,1	19 635	104,4%
Money in transfer	3 853	327 870	3 908	85,1	0,1	55	1,4%
Exchange accounts	18 943	263 852	6 359	13,9	0,1	-12 584	-66,4%
Provision for impairment of high-liquid assets	-5 073	54	-5 042	0,0	0,0	31	-0,6%
Interest-earning assets	1 940 187	297 593	1 764 172	0,2	0,1	-176 015	-9,1%
Dues from banks	7 437	642	7 771	0,1	0,0	334	4,5%
Central Bank of Russia	-	-	-	-	-	-	-
Residents	1 285	104	1 341	0,1	0,0	56	4,4%
up to 30 days	1 285	104	1 341	0,1	0,0	56	4,4%
Non-residents	6 409	538	6 694	0,1	0,0	285	4,4%
more than 180 days	6 409	538	6 694	0,1	0,0	285	4,4%
Provision for impairment of loans to banks	-257	7	-264	0,0	0,0	-7	2,7%
Loans to corporate clients	1 680 485	218 428	1 564 526	0,1	0,1	-115 959	-6,9%
residents	2 051 658	190 746	1 916 663	0,1	0,1	-134 995	-6,6%
up to 30 days	44 411	58 266	12 046	1,3	0,0	-32 365	-72,9%
up to 180 days	41 393	20 500	21 613	0,5	0,0	-19 780	-47,8%
up to 1 year	540 422	92 807	472 615	0,2	0,0	-67 807	-12,5%
up to 3 years	272 696	14 859	260 253	0,1	0,0	-12 443	-4,6%
more than 3 years	1 152 736	4 314	1 150 136	0,0	0,0	-2 600	-0,2%
Past-due	190 885	35 405	221 061	0,2	0,0	30 176	15,8%
residents	190 885	35 405	221 061	0,2	0,0	30 176	15,8%
Provision for impairment of corporate loans	-562 058	22 453	-573 198	0,0	0,0	-11 140	2,0%
residents	-562 058	22 453	-573 198	0,0	0,0	-11 140	2,0%
Loans to private entrepreneurs	78 008	32 788	57 225	0,4	0,0	-20 783	-26,6%
up to 1 year	17 650	11 150	6 500	0,6	0,0	-11 150	-63,2%
up to 3 years	22 284	17 778	4 506	0,8	0,0	-17 778	-79,8%
more than 3 years	29 453	3 116	28 484	0,1	0,0	-969	-3,3%
Past-due	119 920	180	119 963	0,0	0,0	43	0,0%
Provision for impairment of loans to private entrepreneurs	-111 299	843	-102 228	0,0	0,0	9 071	-8,2%
Loans to individuals	174 257	46 069	134 650	0,3	0,0	-39 607	-22,7%
Standard	188 399	45 268	145 476	0,2	0,0	-42 923	-22,8%
up to 30 days	550	598	240	1,1	0,0	-310	-56,4%
up to 1 year	4 372	730	3 648	0,2	0,0	-724	-16,6%
up to 3 years	108 020	42 658	67 413	0,4	0,0	-40 607	-37,6%
more than 3 years	75 457	1 282	74 175	0,0	0,0	-1 282	-1,7%
Memo: mortgage loans	34 876	-	-	0,0	0,0	-34 876	-100,0%
Past-due	33 873	879	34 530	0,0	0,0	657	1,9%
Past-due	33 873	879	34 530	0,0	0,0	657	1,9%
Memo: mortgage loans past-due	6 547	-	-	0,0	0,0	-6 547	-100,0%
Provision for impairment of loans to individuals	-48 015	1 276	-45 356	0,0	0,0	2 659	-5,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 225 963	3 019 848	1 263 362	2,5	1,0	37 399	3,1%
Mandatory reserves with Central Bank	18 903	76 565	95 468	4,1	0,0	76 565	405,0%
Premises and equipment	357 251	634 906	475 032	1,8	0,2	117 781	33,0%
Purchase cost	433 767	626 536	548 990	1,4	0,2	115 223	26,6%
Depreciation	-76 516	8 370	-73 958	0,1	0,0	2 558	-3,3%
Accrued interest not yet received	79 056	18 535	79 504	0,2	0,0	448	0,6%
Other assets	912 654	2 431 432	750 533	2,7	0,8	-162 121	-17,8%
Provision for impairment of other assets	-213 153	7 033	-211 170	0,0	0,0	1 983	-0,9%
Derivatives - assets	-	8 644	-	-	-	-	-
Deferred tax asset	71 252	4 854	73 995	0,1	0,0	2 743	3,8%
LIABILITIES	2 997 872	5 440 765	2 652 484	1,8	1,8	-345 388	-11,5%
Dues to banks	62 237	86 848	-	1,4	0,0	-62 237	-100,0%
Term	62 237	62 237	-	1,0	0,0	-62 237	-100,0%
Central Bank of Russia	57 450	57 450	-	1,0	0,0	-57 450	-100,0%
up to 180 days	57 450	57 450	-	1,0	0,0	-57 450	-100,0%
more than 180 days	-	-	-	-	-	-	-
Residents	4 787	4 787	-	1,0	0,0	-4 787	-100,0%
more than 180 days	4 787	4 787	-	1,0	0,0	-4 787	-100,0%
Other dues to banks	-	24 611	-	-	-	-	-
On demand	389 090	2 305 894	416 726	5,9	0,7	27 636	7,1%
Corporate clients	206 217	2 000 352	315 332	9,7	0,6	109 115	52,9%
State-owned enterprises	1 846	3 881	3	2,1	0,0	-1 843	-99,8%
Residents	204 371	1 998 307	315 329	9,8	0,6	110 958	54,3%
Non-residents	-	7	-	-	-	-	-
Individuals	182 873	387 021	101 394	2,1	0,1	-81 479	-44,6%
Residents	182 860	386 923	101 389	2,1	0,1	-81 471	-44,6%
Non-residents	13	98	5	7,5	0,0	-8	-61,5%
Term	2 462 371	911 627	2 043 485	0,4	0,3	-418 886	-17,0%
Corporate clients	328 008	485 906	101 296	1,5	0,2	-226 712	-69,1%
Residents	328 008	485 906	101 296	1,5	0,2	-226 712	-69,1%
up to 30 days	350	350	-	1,0	0,0	-350	-100,0%
up to 180 days	60 529	85 264	8 380	1,4	0,0	-52 149	-86,2%
up to 1 year	137 720	109 128	91 616	0,8	0,0	-46 104	-33,5%
up to 3 years	129 409	291 164	1 300	2,2	0,1	-128 109	-99,0%
Individuals	2 134 363	425 721	1 942 189	0,2	0,1	-192 174	-9,0%
residents	2 134 263	425 721	1 942 088	0,2	0,1	-192 175	-9,0%
up to 30 days	-	1	1	-	-	1	-
up to 180 days	120 037	52 743	99 012	0,4	0,0	-21 025	-17,5%
up to 1 year	832 490	121 833	752 958	0,1	0,0	-79 532	-9,6%
up to 3 years	1 174 820	251 045	1 083 266	0,2	0,1	-91 554	-7,8%
more than 3 years	6 916	100	6 851	0,0	0,0	-65	-0,9%
non-residents	100	1	101	0,0	0,0	1	1,0%
up to 1 year	100	1	101	0,0	0,0	1	1,0%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Other liabilities	84 174	2 272 131	192 273	27,0	0,7	108 099	128,4%
Other liabilities	68 945	2 044 741	32 327	29,7	0,7	-36 618	-53,1%
Accrued interest not yet paid	15 229	32 677	4 295	2,1	0,0	-10 934	-71,8%
Liabilities past-due	-	232 812	155 651	-	-	155 651	-
Derivatives - liabilities	-	9 453	-	-	-	-	-
EQUITY	458 352	188 897	452 863	0,4	0,1	-5 489	-1,2%
Capital	622 832	78 007	622 432	0,1	0,0	-400	-0,1%
Profit from previous years	123 588	400	123 988	0,0	0,0	400	0,3%
Retained earnings from previous years	123 588	400	123 988	0,0	0,0	400	0,3%
Current year profit	-289 400	109 472	-294 112	0,4	0,0	-4 712	1,6%
Current year retained earnings	-289 400	109 472	-294 112	0,4	0,0	-4 712	1,6%
Future expenses	1 332	1 418	555	1,1	0,0	-777	-58,3%
OFF-BALANCE SHEET	3 823 264	502 834	3 928 410	0,1	0,2	105 146	2,8%
Unused credit limits available	75 000	-	75 000	0,0	0,0	-	0,0%
Contingent liabilities	-398 065	133 696	-351 063	0,3	0,0	47 002	-11,8%
Guarantees issued	-155 369	22 450	-132 919	0,1	0,0	22 450	-14,4%
Unused credit limits opened	-210 324	111 246	-185 772	0,5	0,0	24 552	-11,7%
Unused guarantee limits	-32 372	-	-32 372	0,0	0,0	-	0,0%
Collateral on loans	3 010 775	109 772	2 904 218	0,0	0,0	-106 557	-3,5%
goods	2 990 225	109 772	2 883 668	0,0	0,0	-106 557	-3,6%
securities	20 550	-	20 550	0,0	0,0	-	0,0%
Unprocessed payments	1 141 557	252 099	1 303 241	0,2	0,1	161 684	14,2%
Due to lack of funds in bank	-	232 812	155 651	-	-	155 651	-
Due to lack of funds on client accounts	1 141 557	19 287	1 147 590	0,0	0,0	6 033	0,5%
Other off-balance sheet accounts	-6 003	7 267	-2 986	1,2	0,0	3 017	-50,3%
Accrued interest not yet received	41 069	7 267	44 081	0,2	0,0	3 012	7,3%
Written-off interest	-6 886	-	-6 886	0,0	0,0	-	0,0%
Written-off loans	-40 186	5	-40 181	0,0	0,0	5	-0,0%
Credit card balances	550	598	240	1,1	0,0	-310	-56,4%
Past due ratio, total	1 299	-	1 516	0,0	0,0	217	16,7%
Past due ratio, individuals	1 818	-	1 918	0,0	0,0	100	5,5%
Past due ratio, corporates	851	-	1 034	0,0	0,0	183	21,5%
Past due ratio, entrepreneurs	6 335	-	7 523	0,0	0,0	1 188	18,8%
Past due ratio, corporates + entrepreneurs	1 278	-	1 485	0,0	0,0	207	16,2%
Risk-weighted assets	4 293 575	-	-	0,0	0,0	-4 293 575	-100,0%