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

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	ZLATKOMBANK	add to comparison
Central Bank of Russia registration number: 568

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.	01.11.2018	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 316 857	17 956 614	1 452 442	13,6	12,4	135 585	10,3%
High liquid assets	282 769	12 320 962	131 655	43,6	8,5	-151 114	-53,4%
Cash and equivalents	216 725	8 973 558	95 110	41,4	6,2	-121 615	-56,1%
Cash	177 657	1 299 369	48 926	7,3	0,9	-128 731	-72,5%
in cash and en route	175 201	1 292 735	46 579	7,4	0,9	-128 622	-73,4%
in ATMs	2 456	6 634	2 347	2,7	0,0	-109	-4,4%
Nostro account with Central Bank	39 068	7 681 305	46 184	196,6	5,3	7 116	18,2%
Nostro accounts	42 304	850 559	21 532	20,1	0,6	-20 772	-49,1%
Non-residents	1 865	1 443	446	0,8	0,0	-1 419	-76,1%
Residents	40 439	849 116	21 086	21,0	0,6	-19 353	-47,9%
Money in transfer	9 193	1 063 499	5 567	115,7	0,7	-3 626	-39,4%
Exchange accounts	14 800	1 433 346	9 699	96,8	1,0	-5 101	-34,5%
Provision for impairment of high-liquid assets	-253	-	-253	0,0	0,0	-	0,0%
Interest-earning assets	939 659	3 913 596	1 227 089	4,2	2,7	287 430	30,6%
Dues from banks	436 952	3 524 931	383 139	8,1	2,4	-53 813	-12,3%
Central Bank of Russia	430 000	3 516 000	376 000	8,2	2,4	-54 000	-12,6%
Residents	6 952	9 118	7 139	1,3	0,0	187	2,7%
up to 30 days	6 952	9 118	7 139	1,3	0,0	187	2,7%
Securities	60 476	46 165	29 609	0,8	0,0	-30 867	-51,0%
Bonds	30 565	1 159	29 609	0,0	0,0	-956	-3,1%
Federal Loan Bonds (OFZs), OBRs	30 082	203	30 285	0,0	0,0	203	0,7%
Valuation allowance	483	1 159	-676	2,4	0,0	-1 159	-240,0%
Promissory notes	29 911	45 006	-	1,5	0,0	-29 911	-100,0%
Banks	29 911	45 006	-	1,5	0,0	-29 911	-100,0%
Loans to corporate clients	164 168	143 626	283 699	0,9	0,1	119 531	72,8%
residents	177 977	132 500	287 707	0,7	0,1	109 730	61,7%
up to 1 year	22 000	63 000	63 000	2,9	0,0	41 000	186,4%
up to 3 years	103 110	69 500	172 440	0,7	0,0	69 330	67,2%
more than 3 years	52 867	600	52 267	0,0	0,0	-600	-1,1%
Provision for impairment of corporate loans	-13 809	11 126	-4 008	0,8	0,0	9 801	-71,0%
residents	-13 809	11 126	-4 008	0,8	0,0	9 801	-71,0%
Loans to individuals	278 063	283 554	530 642	1,0	0,2	252 579	90,8%
Standard	276 887	280 368	531 510	1,0	0,2	254 623	92,0%
up to 30 days	3 586	3 034	2 610	0,8	0,0	-976	-27,2%
up to 1 year	45 000	45 000	90 000	1,0	0,0	45 000	100,0%
up to 3 years	46 587	2 656	43 931	0,1	0,0	-2 656	-5,7%
more than 3 years	181 714	233 310	394 969	1,3	0,2	213 255	117,4%
Memo: mortgage loans	93 135	-	-	0,0	0,0	-93 135	-100,0%
Past-due	19 215	2 326	20 222	0,1	0,0	1 007	5,2%
Past-due	19 215	2 326	20 222	0,1	0,0	1 007	5,2%
Memo: mortgage loans past-due	11 125	-	-	0,0	0,0	-11 125	-100,0%
Provision for impairment of loans to individuals	-18 039	3 911	-21 090	0,2	0,0	-3 051	16,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	94 429	1 873 901	93 698	19,8	1,3	-731	-0,8%
Mandatory reserves with Central Bank	8 254	475	8 729	0,1	0,0	475	5,8%
Premises and equipment	37 659	35 389	37 612	0,9	0,0	-47	-0,1%
Purchase cost	77 301	35 184	75 460	0,5	0,0	-1 841	-2,4%
Depreciation	-39 642	1 999	-37 848	0,1	0,0	1 794	-4,5%
Accrued interest not yet received	33	5 999	31	181,8	0,0	-2	-6,1%
Other assets	57 649	1 825 599	57 194	31,7	1,3	-455	-0,8%
Provision for impairment of other assets	-21 988	6 914	-22 690	0,3	0,0	-702	3,2%
Deferred tax asset	12 822	-	12 822	0,0	0,0	-	0,0%
LIABILITIES	1 005 066	6 158 274	1 151 307	6,1	4,2	146 241	14,6%
On demand	509 682	4 686 270	615 164	9,2	3,2	105 482	20,7%
Corporate clients	428 408	4 234 941	586 033	9,9	2,9	157 625	36,8%
Residents	428 408	4 220 902	586 033	9,9	2,9	157 625	36,8%
Non-residents	-	14 039	-	-	-	-	-
Individuals	81 274	503 472	29 131	6,2	0,3	-52 143	-64,2%
Residents	79 275	503 440	27 131	6,4	0,3	-52 144	-65,8%
Non-residents	1 999	33	2 000	0,0	0,0	1	0,1%
Term	487 574	113 307	526 963	0,2	0,1	39 389	8,1%
Individuals	487 574	113 307	526 963	0,2	0,1	39 389	8,1%
residents	487 574	113 307	526 963	0,2	0,1	39 389	8,1%
up to 180 days	17 170	3 474	20 116	0,2	0,0	2 946	17,2%
up to 1 year	23 681	6 777	22 877	0,3	0,0	-804	-3,4%
up to 3 years	446 723	103 860	483 970	0,2	0,1	37 247	8,3%
non-residents	-	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-	-
Other liabilities	7 810	1 358 697	9 180	174,0	0,9	1 370	17,5%
Other liabilities	7 395	1 355 618	8 309	183,3	0,9	914	12,4%
Accrued interest not yet paid	415	3 079	871	7,4	0,0	456	109,9%
EQUITY	311 791	98 955	301 135	0,3	0,1	-10 656	-3,4%
Capital	378 248	28 420	378 248	0,1	0,0	-	0,0%
Current year profit	-66 331	67 069	-76 813	1,0	0,0	-10 482	15,8%
Current year retained earnings	-66 331	67 069	-76 813	1,0	0,0	-10 482	15,8%
Future expenses	-126	3 466	-300	27,5	0,0	-174	138,1%
OFF-BALANCE SHEET	2 201 588	495 557	2 131 488	0,2	0,3	-70 100	-3,2%
Unused credit limits available	100 000	-	100 000	0,0	0,0	-	0,0%
Contingent liabilities	-3 390	2 855	-3 835	0,8	0,0	-445	13,1%
Unused credit limits opened	-3 390	2 855	-3 835	0,8	0,0	-445	13,1%
Collateral on loans	725 568	226 565	891 345	0,3	0,2	165 777	22,8%
goods	585 547	226 565	751 324	0,4	0,2	165 777	28,3%
securities	140 021	-	140 021	0,0	0,0	-	0,0%
Unprocessed payments	1 378 662	265 860	1 143 127	0,2	0,2	-235 535	-17,1%
Due to lack of funds on client accounts	1 378 662	265 860	1 143 127	0,2	0,2	-235 535	-17,1%
Other off-balance sheet accounts	748	380	851	0,5	0,0	103	13,8%
Accrued interest not yet received	762	380	865	0,5	0,0	103	13,5%
Written-off loans	-14	-	-14	0,0	0,0	-	0,0%
Credit card balances	3 586	3 034	2 610	0,8	0,0	-976	-27,2%
Past due ratio, total	405	-	241	0,0	0,0	-164	-40,5%
Past due ratio, individuals	649	-	367	0,0	0,0	-282	-43,5%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	1 245 949	-	-	0,0	0,0	-1 245 949	-100,0%