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

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	BALAKOVO-BANK	add to comparison
Central Bank of Russia registration number: 444

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	894 704	4 798 347	896 769	5,4	5,4	2 065	0,2%
High liquid assets	57 873	2 897 576	55 171	50,1	3,2	-2 702	-4,7%
Cash and equivalents	41 525	2 787 045	39 767	67,1	3,1	-1 758	-4,2%
Cash	38 467	404 733	35 007	10,5	0,5	-3 460	-9,0%
in cash and en route	32 298	390 829	30 642	12,1	0,4	-1 656	-5,1%
in ATMs	6 169	13 904	4 365	2,3	0,0	-1 804	-29,2%
Nostro account with Central Bank	3 058	2 384 014	4 760	779,6	2,7	1 702	55,7%
Nostro accounts	16 282	20 729	15 395	1,3	0,0	-887	-5,4%
Residents	16 282	20 729	15 395	1,3	0,0	-887	-5,4%
Money in transfer	66	89 802	9	1 360,6	0,1	-57	-86,4%
Interest-earning assets	752 528	1 887 505	758 847	2,5	2,1	6 319	0,8%
Dues from banks	261 363	1 843 201	271 859	7,1	2,1	10 496	4,0%
Central Bank of Russia	258 000	1 843 000	269 000	7,1	2,1	11 000	4,3%
Residents	3 363	705	2 859	0,2	0,0	-504	-15,0%
up to 30 days	3 363	705	2 859	0,2	0,0	-504	-15,0%
Loans to corporate clients	405 991	35 970	395 859	0,1	0,0	-10 132	-2,5%
residents	447 210	31 963	435 118	0,1	0,0	-12 092	-2,7%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	82 088	15 828	74 287	0,2	0,0	-7 801	-9,5%
up to 1 year	99 011	8 200	101 616	0,1	0,0	2 605	2,6%
up to 3 years	212 389	9 650	206 383	0,0	0,0	-6 006	-2,8%
more than 3 years	53 722	890	52 832	0,0	0,0	-890	-1,7%
Past-due	1	1	1	1,0	0,0	-	0,0%
residents	1	1	1	1,0	0,0	-	0,0%
Provision for impairment of corporate loans	-41 220	5 966	-39 260	0,1	0,0	1 960	-4,8%
residents	-41 220	5 966	-39 260	0,1	0,0	1 960	-4,8%
Loans to private entrepreneurs	29 981	18 080	38 170	0,6	0,0	8 189	27,3%
up to 30 days	4 567	1 457	4 951	0,3	0,0	384	8,4%
up to 180 days	18 400	4 400	19 500	0,2	0,0	1 100	6,0%
up to 1 year	6 835	12 000	13 950	1,8	0,0	7 115	104,1%
up to 3 years	533	67	466	0,1	0,0	-67	-12,6%
more than 3 years	916	136	780	0,1	0,0	-136	-14,8%
Past-due	1	-	1	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-1 271	430	-1 478	0,3	0,0	-207	16,3%
Loans to individuals	55 193	2 620	52 959	0,0	0,0	-2 234	-4,0%
Standard	61 224	2 620	58 818	0,0	0,0	-2 406	-3,9%
up to 30 days	30	214	87	7,1	0,0	57	190,0%
up to 1 year	14	3	11	0,2	0,0	-3	-21,4%
up to 3 years	3 563	205	3 358	0,1	0,0	-205	-5,8%
more than 3 years	57 617	2 255	55 362	0,0	0,0	-2 255	-3,9%
Provision for impairment of loans to individuals	-6 031	172	-5 859	0,0	0,0	172	-2,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	84 303	17 520	82 751	0,2	0,0	-1 552	-1,8%
Mandatory reserves with Central Bank	1 118	23	1 095	0,0	0,0	-23	-2,1%
Premises and equipment	84 126	1 643	83 031	0,0	0,0	-1 095	-1,3%
Purchase cost	129 229	943	128 703	0,0	0,0	-526	-0,4%
Depreciation	-45 103	700	-45 672	0,0	0,0	-569	1,3%
Accrued interest not yet received	102	7 575	226	74,3	0,0	124	121,6%
Other assets	2 995	4 064	2 585	1,4	0,0	-410	-13,7%
Provision for impairment of other assets	-4 789	4 339	-4 937	0,9	0,0	-148	3,1%
Deferred tax asset	751	-	751	0,0	0,0	-	0,0%
LIABILITIES	489 152	810 739	488 034	1,7	0,9	-1 118	-0,2%
On demand	340 024	692 261	307 234	2,0	0,8	-32 790	-9,6%
Corporate clients	218 853	631 113	213 189	2,9	0,7	-5 664	-2,6%
Residents	218 853	630 969	213 189	2,9	0,7	-5 664	-2,6%
Non-residents	-	144	-	-	-	-	-
Individuals	121 171	61 148	94 045	0,5	0,1	-27 126	-22,4%
Residents	121 171	61 148	94 045	0,5	0,1	-27 126	-22,4%
Term	130 050	110 226	157 955	0,8	0,1	27 905	21,5%
Corporate clients	18 000	-	18 000	0,0	0,0	-	0,0%
Residents	18 000	-	18 000	0,0	0,0	-	0,0%
up to 3 years	18 000	-	18 000	0,0	0,0	-	0,0%
Individuals	112 050	110 226	139 955	1,0	0,1	27 905	24,9%
residents	112 050	110 226	139 955	1,0	0,1	27 905	24,9%
up to 180 days	647	-	647	0,0	0,0	-	0,0%
up to 3 years	66 803	25 321	47 358	0,4	0,0	-19 445	-29,1%
more than 3 years	44 600	104 350	91 950	2,3	0,1	47 350	106,2%
Other liabilities	19 078	39 924	22 845	2,1	0,0	3 767	19,7%
Other liabilities	8 909	38 457	12 059	4,3	0,0	3 150	35,4%
Accrued interest not yet paid	775	1 435	1 391	1,9	0,0	616	79,5%
Liabilities past-due	98	31	98	0,3	0,0	-	0,0%
Deferred tax liabilities	9 296	1	9 297	0,0	0,0	1	0,0%
EQUITY	405 552	1 862 354	408 735	4,6	2,1	3 183	0,8%
Capital	261 556	-	261 556	0,0	0,0	-	0,0%
Profit from previous years	133 524	924 997	143 056	6,9	1,0	9 532	7,1%
Retained earnings from previous years	133 524	924 997	143 056	6,9	1,0	9 532	7,1%
Current year profit	10 472	943 706	4 123	90,1	1,1	-6 349	-60,6%
Current year retained earnings	10 472	943 706	4 123	90,1	1,1	-6 349	-60,6%
OFF-BALANCE SHEET	869 211	74 820	902 128	0,1	0,1	32 917	3,8%
Contingent liabilities	-98 443	42 411	-87 210	0,4	0,0	11 233	-11,4%
Unused credit limits opened	-98 443	42 411	-87 210	0,4	0,0	11 233	-11,4%
Collateral on loans	871 017	42 513	892 268	0,0	0,0	21 251	2,4%
goods	871 017	42 513	892 268	0,0	0,0	21 251	2,4%
securities	-	-	-	-	-	-	-
Unprocessed payments	96 637	1 562	97 070	0,0	0,0	433	0,4%
Due to lack of funds on client accounts	96 637	1 562	97 070	0,0	0,0	433	0,4%
Credit card balances	30	214	87	7,1	0,0	57	190,0%
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	827 235	-	814 188	0,0	0,0	-13 047	-1,6%