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

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	GORBANK	add to comparison
Central Bank of Russia registration number: 2982 retail funding, complies with 214-FZ (equity construction)

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	14 969 696	14 734 541	26 651 233	8 741 604	-6 228 092	-41,6%
High liquid assets	7 962 150	7 995 401	14 155 197	4 971 833	-2 990 317	-37,6%
Cash and equivalents	7 751 440	7 759 991	13 838 155	4 726 112	-3 025 328	-39,0%
Cash	551 571	534 569	639 282	524 309	-27 262	-4,9%
in cash and en route	520 071	506 169	596 482	496 409	-23 662	-4,5%
in ATMs	31 500	28 400	42 800	27 900	-3 600	-11,4%
Nostro account with Central Bank	7 199 869	7 225 422	13 198 873	4 201 803	-2 998 066	-41,6%
Nostro accounts	65 898	90 948	136 141	85 672	19 774	30,0%
Residents	65 898	90 948	136 141	85 672	19 774	30,0%
Money in transfer	144 617	144 273	180 488	159 803	15 186	10,5%
Provision for impairment of high-liquid assets	195	189	413	246	51	26,2%
Interest-earning assets	6 902 908	6 593 868	12 181 998	3 575 637	-3 327 271	-48,2%
Dues from banks	6 370 031	6 446 023	11 831 653	3 445 000	-2 925 031	-45,9%
Central Bank of Russia	805 000	1 330 000	2 345 000	1 105 000	300 000	37,3%
Residents	5 565 000	5 115 000	9 480 000	2 340 000	-3 225 000	-58,0%
up to 30 days	5 565 000	4 115 000	8 480 000	2 340 000	-3 225 000	-58,0%
up to 180 days	-	1 000 000	1 000 000	-	-	-
Provision for impairment of loans to banks	31	1 023	6 653	-	-31	-100,0%
Securities	8 989	8 702	9 446	9 036	47	0,5%
Bonds	8 989	8 702	9 446	9 036	47	0,5%
Corporate bonds	2 819	2 729	2 821	2 818	-1	-0,0%
Financial institutions bonds	6 166	5 965	6 163	6 164	-2	-0,0%
Provision for impairment of bonds	4	8	462	54	50	1 250,0%
Loans to corporate clients	523 522	138 951	340 706	121 385	-402 137	-76,8%
residents	483 024	104 500	294 746	89 900	-393 124	-81,4%
up to 30 days	-	-	48 000	81 800	81 800	-
up to 180 days	-	-	-	5 000	5 000	-
up to 1 year	69 324	104 500	96 746	2 100	-67 224	-97,0%
up to 3 years	413 700	-	150 000	1 000	-412 700	-99,8%
more than 3 years	-	-	-	-	-	-
Past-due	6	3	1	5	-1	-16,7%
residents	6	3	1	5	-1	-16,7%
Provision for impairment of corporate loans	40 492	34 448	45 959	31 480	-9 012	-22,3%
residents	40 492	34 448	45 959	31 480	-9 012	-22,3%
Provision for impairment of loans to private entrepreneurs	-	-	-	-	-	-
Loans to individuals	366	192	193	216	-150	-41,0%
Standard	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	6	5	4	5	-1	-16,7%
Past-due	6	5	4	5	-1	-16,7%
Provision for impairment of loans to individuals	360	187	189	211	-149	-41,4%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	104 638	145 272	314 038	194 134	89 496	85,5%
Mandatory reserves with Central Bank	-	-	-	678	678	-
Premises and equipment	8 429	583	8 411	2 538	-5 891	-69,9%
Purchase cost	8 429	583	6 009	2 282	-6 147	-72,9%
Depreciation	-	-	2 402	256	256	-
Accrued interest not yet received	21 862	19 722	18 329	24 636	2 774	12,7%
Other assets	55 049	98 523	241 768	138 889	83 840	152,3%
Provision for impairment of other assets	19 298	26 444	45 530	27 393	8 095	41,9%
LIABILITIES	1 642 002	1 276 526	3 280 399	1 570 577	-71 425	-4,3%
Dues to banks	636	267	3 677	119	-517	-81,3%
On demand	-	3	-	-	-	-
Residents	-	3	-	-	-	-
Other dues to banks	636	264	3 677	119	-517	-81,3%
On demand	1 389 463	1 078 954	2 441 124	1 257 163	-132 300	-9,5%
Corporate clients	1 149 917	912 109	2 088 246	1 073 662	-76 255	-6,6%
Residents	1 144 118	905 679	2 081 288	1 068 511	-75 607	-6,6%
Non-residents	5 799	6 430	6 958	5 151	-648	-11,2%
Individuals	239 546	166 845	352 878	183 501	-56 045	-23,4%
Residents	231 547	159 662	345 763	176 708	-54 839	-23,7%
Non-residents	7 999	7 183	7 115	6 793	-1 206	-15,1%
Term	113 908	18 755	102 122	127 798	13 890	12,2%
Corporate clients	100 000	-	100 000	90 000	-10 000	-10,0%
Residents	100 000	-	100 000	90 000	-10 000	-10,0%
up to 30 days	-	-	-	90 000	90 000	-
up to 180 days	-	-	-	-	-	-
up to 3 years	-	-	100 000	-	-	-
more than 3 years	100 000	-	-	-	-100 000	-100,0%
Individuals	13 908	18 755	2 122	37 798	23 890	171,8%
residents	13 908	18 755	2 122	37 798	23 890	171,8%
up to 180 days	-	-	-	1 100	1 100	-
up to 1 year	6 679	18 652	1 532	26 514	19 835	297,0%
up to 3 years	7 229	103	590	10 184	2 955	40,9%
more than 3 years	-	-	-	-	-	-
Other liabilities	137 995	178 550	733 476	185 497	47 502	34,4%
Other liabilities	127 646	168 483	721 993	172 342	44 696	35,0%
Accrued interest not yet paid	10 349	10 067	11 483	13 155	2 806	27,1%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	71 332	109 667	951 825	2 993 080	2 921 748	4 096,0%
Capital	-	-	390 099	-	-	-
Profit from previous years	-	-	390 099	1 402 793	1 402 793	-
Retained earnings from previous years	-	-	390 099	1 402 793	1 402 793	-
Current year profit	71 332	109 667	171 627	1 590 287	1 518 955	2 129,4%
Current year retained earnings	71 332	109 667	171 627	1 590 287	1 518 955	2 129,4%
OFF-BALANCE SHEET	88 784	109 521	804 722	303 883	215 099	242,3%
Contingent liabilities	79 700	109 256	175 155	113 705	34 005	42,7%
Guarantees issued	124	4 756	409	4 605	4 481	3 613,7%
Unused credit limits opened	79 576	104 500	174 746	109 100	29 524	37,1%
Collateral on loans	8 220	-	627 393	190 096	181 876	2 212,6%
goods	8 220	-	627 393	190 096	181 876	2 212,6%
Unprocessed payments	864	265	2 129	82	-782	-90,5%
Due to lack of funds on client accounts	864	265	2 129	82	-782	-90,5%
Other off-balance sheet accounts	-	-	45	-	-	-
Written-off loans	-	-	45	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-