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

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	BIZNESBANK	add to comparison
Central Bank of Russia registration number: 2862

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.	01.08.2013	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	427 942	1 929 469	274 237	4,5	7,0	-153 705	-35,9%
High liquid assets	209 330	1 811 526	114 893	8,7	6,6	-94 437	-45,1%
Cash and equivalents	207 614	1 786 679	114 687	8,6	6,5	-92 927	-44,8%
Cash	30 007	942 214	96 425	31,4	3,4	66 418	221,3%
in cash and en route	30 007	942 214	96 425	31,4	3,4	66 418	221,3%
Nostro account with Central Bank	177 607	910 883	18 262	5,1	3,3	-159 345	-89,7%
Nostro accounts	1 523	12 858	56	8,4	0,0	-1 467	-96,3%
Residents	1 523	12 858	56	8,4	0,0	-1 467	-96,3%
Money in transfer	193	11 989	150	62,1	0,0	-43	-22,3%
Interest-earning assets	202 776	95 419	141 948	0,5	0,3	-60 828	-30,0%
Loans to corporate clients	69 340	59 643	43 089	0,9	0,2	-26 251	-37,9%
residents	72 039	55 507	43 525	0,8	0,2	-28 514	-39,6%
up to 1 year	15 168	15 168	-	1,0	0,1	-15 168	-100,0%
up to 3 years	56 871	40 339	43 525	0,7	0,1	-13 346	-23,5%
Past-due	2 653	2 653	-	1,0	0,0	-2 653	-100,0%
residents	2 653	2 653	-	1,0	0,0	-2 653	-100,0%
Provision for impairment of corporate loans	-5 352	6 372	-436	1,2	0,0	4 916	-91,9%
residents	-5 352	6 372	-436	1,2	0,0	4 916	-91,9%
Loans to individuals	133 436	35 776	98 859	0,3	0,1	-34 577	-25,9%
Standard	133 436	24 432	109 690	0,2	0,1	-23 746	-17,8%
up to 180 days	-	250	230	-	-	230	-
up to 1 year	72 888	1 888	71 436	0,0	0,0	-1 452	-2,0%
up to 3 years	10 054	21	10 033	0,0	0,0	-21	-0,2%
more than 3 years	50 494	22 503	27 991	0,4	0,1	-22 503	-44,6%
Provision for impairment of loans to individuals	-	11 344	-10 831	-	-	-10 831	-
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	15 836	24 084	17 396	1,5	0,1	1 560	9,9%
Mandatory reserves with Central Bank	7 620	365	7 985	0,0	0,0	365	4,8%
Premises and equipment	6 028	119	5 990	0,0	0,0	-38	-0,6%
Purchase cost	6 971	81	7 021	0,0	0,0	50	0,7%
Depreciation	-943	88	-1 031	0,1	0,0	-88	9,3%
Accrued interest not yet received	-	2 840	-	-	-	-	-
Other assets	2 755	20 313	3 503	7,4	0,1	748	27,2%
Provision for impairment of other assets	-567	485	-82	0,9	0,0	485	-85,5%
LIABILITIES	239 151	1 004 335	89 519	4,2	3,7	-149 632	-62,6%
Dues to banks	1	-	1	0,0	0,0	-	0,0%
On demand	1	-	1	0,0	0,0	-	0,0%
Residents	1	-	1	0,0	0,0	-	0,0%
On demand	213 417	934 111	58 804	4,4	3,4	-154 613	-72,4%
Corporate clients	210 686	931 618	56 690	4,4	3,4	-153 996	-73,1%
State-owned enterprises	6	-	6	0,0	0,0	-	0,0%
Residents	210 680	931 618	56 684	4,4	3,4	-153 996	-73,1%
Individuals	2 731	2 493	2 114	0,9	0,0	-617	-22,6%
Residents	2 731	2 493	2 114	0,9	0,0	-617	-22,6%
Term	24 180	6 585	30 442	0,3	0,0	6 262	25,9%
Individuals	24 180	6 585	30 442	0,3	0,0	6 262	25,9%
residents	24 180	6 585	30 442	0,3	0,0	6 262	25,9%
up to 180 days	7 681	5 015	12 696	0,7	0,0	5 015	65,3%
up to 1 year	1 186	774	1 960	0,7	0,0	774	65,3%
up to 3 years	14 801	796	15 274	0,1	0,0	473	3,2%
more than 3 years	512	-	512	0,0	0,0	-	0,0%
Other liabilities	1 553	69 901	272	45,0	0,3	-1 281	-82,5%
Other liabilities	1 475	69 742	127	47,3	0,3	-1 348	-91,4%
Accrued interest not yet paid	78	226	145	2,9	0,0	67	85,9%
EQUITY	188 791	15 269	184 718	0,1	0,1	-4 073	-2,2%
Capital	195 165	-	195 165	0,0	0,0	-	0,0%
Current year profit	-5 726	15 258	-9 819	2,7	0,1	-4 093	71,5%
Current year retained earnings	-5 726	15 258	-9 819	2,7	0,1	-4 093	71,5%
Future expenses	-648	31	-628	0,0	0,0	20	-3,1%
OFF-BALANCE SHEET	58 155	118 445	36 600	2,0	0,4	-21 555	-37,1%
Contingent liabilities	-48 445	48 445	-	1,0	0,2	48 445	-100,0%
Guarantees issued	-34 920	34 920	-	1,0	0,1	34 920	-100,0%
Unused credit limits opened	-13 525	13 525	-	1,0	0,0	13 525	-100,0%
Collateral on loans	106 600	70 000	36 600	0,7	0,3	-70 000	-65,7%
goods	106 600	70 000	36 600	0,7	0,3	-70 000	-65,7%
Past due ratio, total	127	-	-	0,0	0,0	-127	-100,0%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	355	-	-	0,0	0,0	-355	-100,0%
Past due ratio, corporates + entrepreneurs	355	-	-	0,0	0,0	-355	-100,0%