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

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	KOLTSO URALA	add to comparison
Central Bank of Russia registration number: 65 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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.	01.12.2021	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	29 217 258	406 384 935	25 869 184	13,9	15,7	-3 348 074	-11,5%
High liquid assets	3 382 130	162 064 383	18 300 960	47,9	6,3	14 918 830	441,1%
Cash and equivalents	2 272 738	88 971 522	1 112 719	39,1	3,4	-1 160 019	-51,0%
Cash	756 600	4 727 131	514 518	6,2	0,2	-242 082	-32,0%
in cash and en route	721 888	4 686 378	514 518	6,5	0,2	-207 370	-28,7%
in ATMs	34 712	40 753	-	1,2	0,0	-34 712	-100,0%
Nostro account with Central Bank	1 516 138	84 244 391	598 201	55,6	3,3	-917 937	-60,5%
Nostro accounts	886 629	29 089 266	16 937 008	32,8	1,1	16 050 379	1 810,3%
Non-residents	130 637	909 266	-	7,0	0,0	-130 637	-100,0%
Residents	755 992	28 310 637	16 937 008	37,4	1,1	16 181 016	2 140,4%
Money in transfer	224 334	45 153 314	252 522	201,3	1,7	28 188	12,6%
Provision for impairment of high-liquid assets	-1 571	10 300	-1 289	6,6	0,0	282	-18,0%
Interest-earning assets	24 034 102	107 277 906	6 336 954	4,5	4,1	-17 697 148	-73,6%
Dues from banks	15 691 531	104 452 611	7 707	6,7	4,0	-15 683 824	-100,0%
Residents	15 691 530	104 452 610	7 707	6,7	4,0	-15 683 823	-100,0%
up to 30 days	15 691 530	104 452 610	7 707	6,7	4,0	-15 683 823	-100,0%
Loans past-due	9 447	1	9 446	0,0	0,0	-1	-0,0%
residents	9 447	1	9 446	0,0	0,0	-1	-0,0%
Provision for impairment of loans to banks	-9 446	-	-9 446	0,0	0,0	-	0,0%
Securities	1 503 791	1 533 103	-	1,0	0,1	-1 503 791	-100,0%
Bonds	1 503 791	1 533 103	-	1,0	0,1	-1 503 791	-100,0%
Federal Loan Bonds (OFZs), OBRs	462 323	463 385	-	1,0	0,0	-462 323	-100,0%
Corporate bonds	588 209	589 125	-	1,0	0,0	-588 209	-100,0%
Financial institutions bonds	468 342	469 078	-	1,0	0,0	-468 342	-100,0%
Corporate foreign bonds	-	-	-	-	-	-	-
Valuation allowance	-15 083	26 598	-	1,8	0,0	15 083	-100,0%
Past-due	2 131	-	2 131	0,0	0,0	-	0,0%
Provision for impairment of bonds	-2 131	-	-2 131	0,0	0,0	-	0,0%
Loans to corporate clients	1 199 843	863 825	786 770	0,7	0,0	-413 073	-34,4%
residents	1 217 800	734 098	795 928	0,6	0,0	-421 872	-34,6%
up to 30 days	18 882	20 906	-	1,1	0,0	-18 882	-100,0%
up to 180 days	738 849	401 370	410 133	0,5	0,0	-328 716	-44,5%
up to 1 year	168 050	265 531	140 067	1,6	0,0	-27 983	-16,7%
up to 3 years	94 933	44 933	50 000	0,5	0,0	-44 933	-47,3%
more than 3 years	197 086	1 358	195 728	0,0	0,0	-1 358	-0,7%
Past-due	132 400	41 167	106 293	0,3	0,0	-26 107	-19,7%
residents	132 400	41 167	106 293	0,3	0,0	-26 107	-19,7%
Provision for impairment of corporate loans	-150 357	125 017	-115 451	0,8	0,0	34 906	-23,2%
residents	-150 357	125 017	-115 451	0,8	0,0	34 906	-23,2%
Loans to private entrepreneurs	28 922	33 539	20 098	1,2	0,0	-8 824	-30,5%
up to 30 days	10 262	6 463	8 031	0,6	0,0	-2 231	-21,7%
up to 1 year	2 000	2 000	-	1,0	0,0	-2 000	-100,0%
up to 3 years	4 324	135	4 189	0,0	0,0	-135	-3,1%
more than 3 years	12 359	4 412	7 947	0,4	0,0	-4 412	-35,7%
Past-due	6 135	6 644	877	1,1	0,0	-5 258	-85,7%
Provision for impairment of loans to private entrepreneurs	-6 158	14 166	-946	2,3	0,0	5 212	-84,6%
Loans to individuals	5 610 015	394 828	5 522 379	0,1	0,0	-87 636	-1,6%
Standard	5 722 862	297 102	5 638 557	0,1	0,0	-84 305	-1,5%
up to 30 days	41 488	28 563	30 048	0,7	0,0	-11 440	-27,6%
up to 1 year	60 310	15 653	53 351	0,3	0,0	-6 959	-11,5%
up to 3 years	686 351	61 839	656 414	0,1	0,0	-29 937	-4,4%
more than 3 years	4 934 713	191 047	4 898 744	0,0	0,0	-35 969	-0,7%
Past-due	63 632	18 313	53 218	0,3	0,0	-10 414	-16,4%
Past-due	63 632	18 313	53 218	0,3	0,0	-10 414	-16,4%
Provision for impairment of loans to individuals	-176 479	89 878	-169 396	0,5	0,0	7 083	-4,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 801 026	151 961 476	1 231 270	84,4	5,9	-569 756	-31,6%
Mandatory reserves with Central Bank	185 897	11 531	174 366	0,1	0,0	-11 531	-6,2%
Premises and equipment	1 300 269	2 052 918	1 006 479	1,6	0,1	-293 790	-22,6%
Purchase cost	2 346 114	2 033 523	1 934 664	0,9	0,1	-411 450	-17,5%
Depreciation	-1 045 845	137 055	-928 185	0,1	0,0	117 660	-11,3%
Accrued interest not yet received	58 135	169 847	34 769	2,9	0,0	-23 366	-40,2%
Other assets	300 216	149 628 469	83 237	498,4	5,8	-216 979	-72,3%
Provision for impairment of other assets	-43 491	68 330	-67 581	1,6	0,0	-24 090	55,4%
Derivatives - assets	-	30 381	-	-	-	-	-
Deferred tax asset	-	-	-	-	-	-	-
LIABILITIES	23 837 924	223 772 333	20 708 257	9,4	8,7	-3 129 667	-13,1%
Dues to banks	31 656	3 060 785	183 660	96,7	0,1	152 004	480,2%
On demand	27 441	3 033 523	183 660	110,5	0,1	156 219	569,3%
Residents	27 441	3 033 523	183 660	110,5	0,1	156 219	569,3%
Term	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Other dues to banks	4 215	31 477	-	7,5	0,0	-4 215	-100,0%
On demand	11 856 080	120 637 547	10 243 707	10,2	4,7	-1 612 373	-13,6%
Corporate clients	8 544 145	107 423 792	5 605 956	12,6	4,2	-2 938 189	-34,4%
State-owned enterprises	2 317	6 230	1 477	2,7	0,0	-840	-36,3%
Residents	8 541 799	107 417 562	5 604 450	12,6	4,2	-2 937 349	-34,4%
Non-residents	29	-	29	0,0	0,0	-	0,0%
Individuals	3 311 935	14 539 571	4 637 751	4,4	0,6	1 325 816	40,0%
Residents	3 236 215	14 472 307	4 573 712	4,5	0,6	1 337 497	41,3%
Non-residents	75 720	78 945	64 039	1,0	0,0	-11 681	-15,4%
Term	11 400 590	37 194 823	9 044 824	3,3	1,4	-2 355 766	-20,7%
Corporate clients	4 871 852	33 581 124	3 554 562	6,9	1,3	-1 317 290	-27,0%
Residents	4 871 852	33 581 124	3 554 562	6,9	1,3	-1 317 290	-27,0%
up to 30 days	2 217 174	31 416 844	1 900 664	14,2	1,2	-316 510	-14,3%
up to 180 days	1 650 442	1 445 170	1 368 772	0,9	0,1	-281 670	-17,1%
up to 1 year	10 753	6 430	4 323	0,6	0,0	-6 430	-59,8%
up to 3 years	993 483	712 680	280 803	0,7	0,0	-712 680	-71,7%
Individuals	6 528 738	3 613 699	5 490 262	0,6	0,1	-1 038 476	-15,9%
residents	6 526 913	3 613 699	5 488 366	0,6	0,1	-1 038 547	-15,9%
more than 3 years	6 526 913	3 613 699	5 488 366	0,6	0,1	-1 038 547	-15,9%
non-residents	1 825	71	1 896	0,0	0,0	71	3,9%
more than 3 years	1 825	71	1 896	0,0	0,0	71	3,9%
Other liabilities	549 598	63 717 650	1 236 066	115,9	2,5	686 468	124,9%
Other liabilities	336 057	63 652 461	1 061 667	189,4	2,5	725 610	215,9%
Accrued interest not yet paid	133 574	94 721	94 432	0,7	0,0	-39 142	-29,3%
Derivatives - liabilities	-	9 610	-	-	-	-	-
Deferred tax liabilities	79 967	-	79 967	0,0	0,0	-	0,0%
EQUITY	5 379 333	21 491 003	5 160 927	4,0	0,8	-218 406	-4,1%
Capital	2 345 214	217 647	2 239 551	0,1	0,0	-105 663	-4,5%
Profit from previous years	2 178 797	10 579 012	2 921 376	4,9	0,4	742 579	34,1%
Retained earnings from previous years	2 178 797	10 579 012	2 921 376	4,9	0,4	742 579	34,1%
Current year profit	855 322	11 436 923	-	13,4	0,4	-855 322	-100,0%
Current year retained earnings	855 322	11 436 923	-	13,4	0,4	-855 322	-100,0%
OFF-BALANCE SHEET	1 373 383	2 954 111	910 851	2,2	0,1	-462 532	-33,7%
Contingent liabilities	-239 902	817 090	-170 111	3,4	0,0	69 791	-29,1%
Guarantees issued	-14 389	-	-14 389	0,0	0,0	-	0,0%
Unused credit limits opened	-225 513	817 090	-155 722	3,6	0,0	69 791	-30,9%
Unused guarantee limits	-	-	-	-	-	-	-
Collateral on loans	2 349 992	629 835	1 720 157	0,3	0,0	-629 835	-26,8%
goods	2 300 849	598 717	1 702 132	0,3	0,0	-598 717	-26,0%
securities	49 143	31 118	18 025	0,6	0,0	-31 118	-63,3%
Unprocessed payments	434 679	1 494 734	506 780	3,4	0,1	72 101	16,6%
Due to lack of funds on client accounts	434 679	1 494 734	506 780	3,4	0,1	72 101	16,6%
Other off-balance sheet accounts	-1 171 386	37 863	-1 145 975	0,0	0,0	25 411	-2,2%
Written-off interest	-191 480	2 697	-190 438	0,0	0,0	1 042	-0,5%
Written-off loans	-979 906	35 166	-955 537	0,0	0,0	24 369	-2,5%
Credit card balances	41 488	28 563	30 048	0,7	0,0	-11 440	-27,6%
Past due ratio, total	282	-	242	0,0	0,0	-40	-14,2%
Past due ratio, individuals	110	-	93	0,0	0,0	-17	-15,5%
Past due ratio, corporates	981	-	1 178	0,0	0,0	197	20,1%
Past due ratio, entrepreneurs	1 749	-	417	0,0	0,0	-1 332	-76,2%
Past due ratio, corporates + entrepreneurs	1 000	-	1 161	0,0	0,0	161	16,1%
Risk-weighted assets	17 764 143	-	18 452 586	0,0	0,0	688 443	3,9%