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

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	ZEMELNIY KOMMERCHESKIY BANK	add to comparison
Central Bank of Russia registration number: 574

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	718 473	4 864 556	669 025	6,8	7,3	-49 448	-6,9%
High liquid assets	61 257	2 488 903	61 025	40,6	3,7	-232	-0,4%
Cash and equivalents	31 407	2 455 751	36 645	78,2	3,7	5 238	16,7%
Cash	29 997	36 559	30 972	1,2	0,1	975	3,3%
in cash and en route	29 997	36 559	30 972	1,2	0,1	975	3,3%
Nostro account with Central Bank	1 410	2 419 192	5 673	1 715,7	3,6	4 263	302,3%
Nostro accounts	7 952	13 010	4 538	1,6	0,0	-3 414	-42,9%
Residents	7 952	13 010	4 538	1,6	0,0	-3 414	-42,9%
Money in transfer	21 898	25 380	19 842	1,2	0,0	-2 056	-9,4%
Interest-earning assets	580 289	2 159 016	588 127	3,7	3,2	7 838	1,4%
Dues from banks	545 659	2 062 203	557 785	3,8	3,1	12 126	2,2%
Central Bank of Russia	543 000	1 915 000	515 000	3,5	2,9	-28 000	-5,2%
Residents	2 659	175 203	42 785	65,9	0,3	40 126	1 509,1%
up to 30 days	2 659	175 203	42 785	65,9	0,3	40 126	1 509,1%
Securities	60	-	60	0,0	0,0	-	0,0%
Stocks	60	-	60	0,0	0,0	-	0,0%
Residents	60	-	60	0,0	0,0	-	0,0%
Loans to corporate clients	34 570	101 098	30 282	2,9	0,2	-4 288	-12,4%
residents	64 797	100 650	60 465	1,6	0,2	-4 332	-6,7%
up to 30 days	27 297	100 511	23 104	3,7	0,2	-4 193	-15,4%
up to 3 years	2 500	139	2 361	0,1	0,0	-139	-5,6%
more than 3 years	35 000	-	35 000	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-30 227	492	-30 183	0,0	0,0	44	-0,1%
residents	-30 227	492	-30 183	0,0	0,0	44	-0,1%
Loans to individuals	-	3	-	-	-	-	-
Past-due	4 077	3	4 074	0,0	0,0	-3	-0,1%
Past-due	4 077	3	4 074	0,0	0,0	-3	-0,1%
Provision for impairment of loans to individuals	-4 077	3	-4 074	0,0	0,0	3	-0,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	76 927	224 475	19 873	2,9	0,3	-57 054	-74,2%
Mandatory reserves with Central Bank	1 421	376	1 045	0,3	0,0	-376	-26,5%
Premises and equipment	63 957	167 660	8 340	2,6	0,3	-55 617	-87,0%
Purchase cost	88 120	167 566	21 745	1,9	0,3	-66 375	-75,3%
Depreciation	-24 163	10 852	-13 405	0,4	0,0	10 758	-44,5%
Accrued interest not yet received	249	2 105	575	8,5	0,0	326	130,9%
Other assets	31 661	53 851	1 963	1,7	0,1	-29 698	-93,8%
Provision for impairment of other assets	-29 988	29 120	-1 677	1,0	0,0	28 311	-94,4%
Deferred tax asset	9 627	-	9 627	0,0	0,0	-	0,0%
LIABILITIES	240 768	710 088	192 073	2,9	1,1	-48 695	-20,2%
Dues to banks	-	-	-	-	-	-	-
Other dues to banks	-	-	-	-	-	-	-
On demand	123 979	548 191	98 683	4,4	0,8	-25 296	-20,4%
Corporate clients	88 760	538 316	66 382	6,1	0,8	-22 378	-25,2%
Residents	84 753	537 751	62 199	6,3	0,8	-22 554	-26,6%
Non-residents	4 007	741	4 183	0,2	0,0	176	4,4%
Individuals	35 219	9 875	32 301	0,3	0,0	-2 918	-8,3%
Residents	35 216	9 875	32 298	0,3	0,0	-2 918	-8,3%
Non-residents	3	-	3	0,0	0,0	-	0,0%
Term	93 866	83 812	80 248	0,9	0,1	-13 618	-14,5%
Individuals	93 866	83 812	80 248	0,9	0,1	-13 618	-14,5%
residents	93 866	83 812	80 248	0,9	0,1	-13 618	-14,5%
up to 180 days	104	7	108	0,1	0,0	4	3,8%
up to 1 year	81 354	49 948	66 363	0,6	0,1	-14 991	-18,4%
up to 3 years	12 408	35 230	13 777	2,8	0,1	1 369	11,0%
Other liabilities	22 923	78 085	13 142	3,4	0,1	-9 781	-42,7%
Other liabilities	22 566	77 928	12 787	3,5	0,1	-9 779	-43,3%
Accrued interest not yet paid	357	157	355	0,4	0,0	-2	-0,6%
EQUITY	477 705	784 105	476 952	1,6	1,2	-753	-0,2%
Capital	321 377	3 853	317 524	0,0	0,0	-3 853	-1,2%
Profit from previous years	149 853	389 562	160 181	2,6	0,6	10 328	6,9%
Retained earnings from previous years	149 853	389 562	160 181	2,6	0,6	10 328	6,9%
Current year profit	6 475	401 018	-753	61,9	0,6	-7 228	-111,6%
Current year retained earnings	6 475	401 018	-753	61,9	0,6	-7 228	-111,6%
OFF-BALANCE SHEET	-34 294	100 974	-39 875	2,9	0,2	-5 581	16,3%
Contingent liabilities	-11 703	100 511	-15 896	8,6	0,2	-4 193	35,8%
Unused credit limits opened	-11 703	100 511	-15 896	8,6	0,2	-4 193	35,8%
Collateral on loans	50 986	1 000	49 986	0,0	0,0	-1 000	-2,0%
goods	50 986	1 000	49 986	0,0	0,0	-1 000	-2,0%
Unprocessed payments	8 423	442	8 014	0,1	0,0	-409	-4,9%
Due to lack of funds on client accounts	8 423	442	8 014	0,1	0,0	-409	-4,9%
Other off-balance sheet accounts	-82 000	21	-81 979	0,0	0,0	21	-0,0%
Written-off interest	-16 911	21	-16 890	0,0	0,0	21	-0,1%
Written-off loans	-65 089	-	-65 089	0,0	0,0	-	0,0%
Past due ratio, total	592	-	631	0,0	0,0	39	6,6%
Past due ratio, individuals	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	288 841	-	214 917	0,0	0,0	-73 924	-25,6%