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	NOVOSIBIRSKIY MUNICIPALNIY BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 2786

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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 debit credit thous. rub.	01.11.2014 01.10.2014 01.09.2014 01.08.2014	01.11.2014 01.10.2014 01.09.2014 01.08.2014	01.11.2014 01.10.2014 01.09.2014 01.08.2014	01.11.2014 01.10.2014 01.09.2014 01.08.2014	Period change
ASSETS	29 596 984	25 972 534	25 737 752	29 441 996	-154 988	-0,5%
High liquid assets	24 038 732	21 817 396	21 210 053	24 708 142	669 410	2,8%
Cash and equivalents	20 370 812	18 322 732	17 900 595	20 855 065	484 253	2,4%
Cash	8 858 023	8 120 188	8 387 887	9 744 036	886 013	10,0%
in cash and en route	7 319 280	6 786 416	7 077 852	8 266 320	947 040	12,9%
in ATMs	1 538 743	1 333 772	1 310 035	1 477 716	-61 027	-4,0%
Nostro account with Central Bank	11 512 789	10 202 544	9 512 708	11 111 029	-401 760	-3,5%
Nostro accounts	1 956 968	2 038 594	1 862 830	2 301 415	344 447	17,6%
Residents	1 956 968	2 038 594	1 862 830	2 301 415	344 447	17,6%
Money in transfer	1 710 952	1 456 070	1 446 628	1 551 297	-159 655	-9,3%
Provision for impairment of high-liquid assets	-	-	-	365	365	-
Interest-earning assets	4 971 666	3 720 224	3 991 373	4 091 692	-879 974	-17,7%
Dues from banks	4 573 874	3 402 456	3 597 373	3 248 612	-1 325 262	-29,0%
Residents	4 573 874	3 402 456	3 597 373	3 248 612	-1 325 262	-29,0%
up to 30 days	4 040 000	3 030 000	3 325 000	2 720 000	-1 320 000	-32,7%
up to 180 days	223 400	356 721	262 498	515 672	292 272	130,8%
more than 180 days	310 474	15 735	9 875	12 940	-297 534	-95,8%
Loans to corporate clients	142 165	93 166	127 514	633 922	491 757	345,9%
residents	102 964	85 547	100 480	107 968	5 004	4,9%
up to 30 days	101 310	82 867	94 231	87 945	-13 365	-13,2%
up to 1 year	-	-	175	-	-	-
up to 3 years	1 654	2 680	5 074	5 523	3 869	233,9%
more than 3 years	-	-	-	14 500	14 500	-
state-owned enterprises	-	-	-	510 000	510 000	-
more than 3 years	-	-	-	510 000	510 000	-
Past-due	14 296	718	746	715	-13 581	-95,0%
residents	14 296	718	746	715	-13 581	-95,0%
Provision for impairment of corporate loans	24 905	6 901	26 288	15 239	-9 666	-38,8%
residents	24 905	6 901	26 288	15 239	-9 666	-38,8%
Loans to private entrepreneurs	5 931	5 182	14 639	5 651	-280	-4,7%
up to 30 days	4 758	2 259	1 272	1 481	-3 277	-68,9%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	1 010	-	-	-	-
more than 3 years	-	-	6 400	-	-	-
Past-due	104	1 087	2 662	1 137	1 033	993,3%
Provision for impairment of loans to private entrepreneurs	1 069	826	4 305	3 033	1 964	183,7%
Loans to individuals	249 696	219 420	251 847	203 507	-46 189	-18,5%
Standard	196 986	171 429	176 968	140 977	-56 009	-28,4%
up to 30 days	31 697	36 893	40 620	40 751	9 054	28,6%
up to 1 year	6 003	7 047	4 863	3 857	-2 146	-35,7%
up to 3 years	48 546	38 237	27 620	23 279	-25 267	-52,0%
more than 3 years	110 740	89 252	103 865	73 090	-37 650	-34,0%
Past-due	29 504	28 886	27 721	23 618	-5 886	-19,9%
Past-due	29 504	28 886	27 721	23 618	-5 886	-19,9%
Provision for impairment of loans to individuals	23 206	19 105	47 158	38 912	15 706	67,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	586 586	434 914	536 326	642 162	55 576	9,5%
Mandatory reserves with Central Bank	1 141	-	45	-	-1 141	-100,0%
Premises and equipment	66 322	8 020	100 843	7 449	-58 873	-88,8%
Purchase cost	66 157	8 020	98 784	7 310	-58 847	-89,0%
Depreciation	165	-	2 059	139	-26	-15,8%
Accrued interest not yet received	72 642	71 985	70 143	72 819	177	0,2%
Non-current assets	-	-	4 107	-	-	-
Other assets	435 157	348 865	342 732	548 144	112 987	26,0%
Provision for impairment of other assets	10 139	6 044	18 456	9 948	-191	-1,9%
Deferred tax asset	1 185	-	-	3 802	2 617	220,8%
LIABILITIES	16 147 418	15 019 618	14 819 498	16 355 617	208 199	1,3%
Dues to banks	267 275	307 985	248 376	343 685	76 410	28,6%
On demand	267 275	307 985	248 376	343 685	76 410	28,6%
Residents	267 275	307 985	248 376	343 685	76 410	28,6%
On demand	11 688 073	11 113 556	10 851 779	11 725 490	37 417	0,3%
Corporate clients	9 573 716	9 390 423	9 050 227	9 834 356	260 640	2,7%
State-owned enterprises	148 674	125 344	155 771	155 432	6 758	4,5%
Residents	9 243 799	9 085 752	8 720 195	9 522 811	279 012	3,0%
Non-residents	181 243	179 327	174 261	156 113	-25 130	-13,9%
Individuals	2 114 357	1 723 133	1 801 552	1 891 134	-223 223	-10,6%
Residents	2 106 134	1 718 171	1 797 111	1 883 633	-222 501	-10,6%
Non-residents	8 223	4 962	4 441	7 501	-722	-8,8%
Term	316 834	244 183	307 150	332 875	16 041	5,1%
Corporate clients	9 895	10 050	11 400	33 560	23 665	239,2%
Residents	9 895	10 050	11 400	33 560	23 665	239,2%
up to 180 days	4 095	5 800	10 400	13 210	9 115	222,6%
up to 1 year	1 900	4 250	1 000	2 350	450	23,7%
up to 3 years	3 900	-	-	18 000	14 100	361,5%
more than 3 years	-	-	-	-	-	-
State-owned enterprises	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
Individuals	306 939	234 133	295 750	299 315	-7 624	-2,5%
residents	306 939	234 133	295 750	299 315	-7 624	-2,5%
up to 180 days	29 355	35 409	52 360	38 709	9 354	31,9%
up to 1 year	65 235	40 238	49 577	57 926	-7 309	-11,2%
up to 3 years	200 121	151 664	187 052	195 053	-5 068	-2,5%
more than 3 years	12 228	6 822	6 761	7 627	-4 601	-37,6%
non-residents	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
Securities issued	4 780	-	-	-	-4 780	-100,0%
Promissory notes	4 780	-	-	-	-4 780	-100,0%
on demand	4 780	-	-	-	-4 780	-100,0%
more than 3 years	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	3 870 456	3 353 894	3 412 193	3 953 567	83 111	2,1%
Other liabilities	3 844 635	3 329 122	3 382 889	3 925 944	81 309	2,1%
Accrued interest not yet paid	25 673	24 772	29 304	27 325	1 652	6,4%
Deferred tax liabilities	148	-	-	298	150	101,4%
EQUITY	151 084	137 353	207 609	211 347	60 263	39,9%
Capital	-	-	-	36	36	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	150 478	136 609	206 916	208 098	57 620	38,3%
Current year retained earnings	150 478	136 609	206 916	208 098	57 620	38,3%
Future expenses	606	744	693	3 213	2 607	430,2%
OFF-BALANCE SHEET	584 541	319 923	507 871	2 035 283	1 450 742	248,2%
Contingent liabilities	196 501	158 121	205 451	737 531	541 030	275,3%
Guarantees issued	511	617	852	330	-181	-35,4%
Unused credit limits opened	195 930	157 504	204 599	737 201	541 271	276,3%
Unused guarantee limits	60	-	-	-	-60	-100,0%
Collateral on loans	180 577	20 544	67 778	42 687	-137 890	-76,4%
goods	175 244	15 283	56 082	27 631	-147 613	-84,2%
securities	5 333	5 261	11 696	15 056	9 723	182,3%
Unprocessed payments	188 909	118 014	224 727	1 246 592	1 057 683	559,9%
Due to lack of funds on client accounts	188 909	118 014	224 727	1 246 592	1 057 683	559,9%
Other off-balance sheet accounts	18 554	23 244	9 915	8 473	-10 081	-54,3%
Accrued interest not yet received	6 922	5 921	6 624	6 164	-758	-11,0%
Written-off interest	1 663	4 872	1 043	1 312	-351	-21,1%
Written-off loans	9 969	12 451	2 248	997	-8 972	-90,0%
Credit card balances	31 697	36 893	40 620	40 751	9 054	28,6%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.