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

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	NALCHIK	add to comparison
Central Bank of Russia registration number: 695

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	1 371 962	10 271 567	1 369 464	7,5	7,5	-2 498	-0,2%
High liquid assets	65 897	5 358 547	59 786	81,3	3,9	-6 111	-9,3%
Cash and equivalents	32 139	5 217 989	34 691	162,4	3,8	2 552	7,9%
Cash	23 656	136 502	26 762	5,8	0,1	3 106	13,1%
in cash and en route	21 962	134 044	24 052	6,1	0,1	2 090	9,5%
in ATMs	1 694	2 458	2 710	1,5	0,0	1 016	60,0%
Nostro account with Central Bank	8 483	5 082 041	7 929	599,1	3,7	-554	-6,5%
Nostro accounts	28 075	108 081	20 444	3,8	0,1	-7 631	-27,2%
Residents	28 075	108 081	20 444	3,8	0,1	-7 631	-27,2%
Money in transfer	6 441	34 863	5 433	5,4	0,0	-1 008	-15,6%
Provision for impairment of high-liquid assets	-758	166	-782	0,2	0,0	-24	3,2%
Interest-earning assets	844 370	4 893 131	852 212	5,8	3,6	7 842	0,9%
Dues from banks	546 982	4 883 093	559 000	8,9	3,6	12 018	2,2%
Central Bank of Russia	455 000	1 005 000	475 000	2,2	0,7	20 000	4,4%
Residents	92 000	3 886 000	84 000	42,2	2,8	-8 000	-8,7%
up to 30 days	92 000	3 886 000	84 000	42,2	2,8	-8 000	-8,7%
Provision for impairment of loans to banks	-18	93	-	5,2	0,0	18	-100,0%
Loans to corporate clients	203 372	10 186	196 137	0,1	0,0	-7 235	-3,6%
residents	347 944	8 402	339 711	0,0	0,0	-8 233	-2,4%
up to 1 year	1 336	-	1 336	0,0	0,0	-	0,0%
up to 3 years	103 892	5 666	98 395	0,1	0,0	-5 497	-5,3%
more than 3 years	242 716	2 736	239 980	0,0	0,0	-2 736	-1,1%
Past-due	87 006	143	87 149	0,0	0,0	143	0,2%
residents	87 006	143	87 149	0,0	0,0	143	0,2%
Provision for impairment of corporate loans	-231 578	2 623	-230 723	0,0	0,0	855	-0,4%
residents	-231 578	2 623	-230 723	0,0	0,0	855	-0,4%
Loans to private entrepreneurs	44 477	5 084	47 597	0,1	0,0	3 120	7,0%
up to 3 years	22 150	1 820	20 330	0,1	0,0	-1 820	-8,2%
more than 3 years	23 299	5 000	28 241	0,2	0,0	4 942	21,2%
Past-due	4 284	70	4 214	0,0	0,0	-70	-1,6%
Provision for impairment of loans to private entrepreneurs	-5 256	93	-5 188	0,0	0,0	68	-1,3%
Loans to individuals	49 539	2 019	49 478	0,0	0,0	-61	-0,1%
Standard	53 110	1 217	52 997	0,0	0,0	-113	-0,2%
up to 3 years	2 071	182	1 993	0,1	0,0	-78	-3,8%
more than 3 years	51 039	1 035	51 004	0,0	0,0	-35	-0,1%
Past-due	8 038	252	8 147	0,0	0,0	109	1,4%
Past-due	8 038	252	8 147	0,0	0,0	109	1,4%
Provision for impairment of loans to individuals	-11 609	663	-11 666	0,1	0,0	-57	0,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	461 695	27 732	457 466	0,1	0,0	-4 229	-0,9%
Mandatory reserves with Central Bank	1 235	29	1 264	0,0	0,0	29	2,3%
Premises and equipment	72 511	360	72 255	0,0	0,0	-256	-0,4%
Purchase cost	98 871	105	98 870	0,0	0,0	-1	-0,0%
Depreciation	-26 360	255	-26 615	0,0	0,0	-255	1,0%
Accrued interest not yet received	5 154	7 725	5 668	1,5	0,0	514	10,0%
Other assets	475 038	17 784	471 143	0,0	0,0	-3 895	-0,8%
Provision for impairment of other assets	-120 918	2 377	-121 539	0,0	0,0	-621	0,5%
Deferred tax asset	28 675	-	28 675	0,0	0,0	-	0,0%
LIABILITIES	755 644	424 035	748 042	0,6	0,3	-7 602	-1,0%
Dues to banks	-	34 861	3 276	-	-	3 276	-
Other dues to banks	-	34 861	3 276	-	-	3 276	-
On demand	327 798	282 340	318 966	0,9	0,2	-8 832	-2,7%
Corporate clients	247 216	252 135	235 629	1,0	0,2	-11 587	-4,7%
State-owned enterprises	7 816	3 621	5 061	0,5	0,0	-2 755	-35,2%
Residents	239 400	236 683	230 568	1,0	0,2	-8 832	-3,7%
Non-residents	-	11 831	-	-	-	-	-
Individuals	80 582	32 960	83 337	0,4	0,0	2 755	3,4%
Residents	80 510	32 960	83 329	0,4	0,0	2 819	3,5%
Non-residents	72	64	8	0,9	0,0	-64	-88,9%
Term	418 112	35 969	411 331	0,1	0,0	-6 781	-1,6%
Corporate clients	16 500	-	16 500	0,0	0,0	-	0,0%
Residents	16 500	-	16 500	0,0	0,0	-	0,0%
up to 180 days	11 500	-	11 500	0,0	0,0	-	0,0%
up to 1 year	5 000	-	5 000	0,0	0,0	-	0,0%
Individuals	401 612	35 969	394 831	0,1	0,0	-6 781	-1,7%
residents	401 612	35 969	394 831	0,1	0,0	-6 781	-1,7%
up to 180 days	210 174	20 062	204 975	0,1	0,0	-5 199	-2,5%
up to 1 year	12 418	6 361	7 388	0,5	0,0	-5 030	-40,5%
up to 3 years	149 977	7 230	153 431	0,0	0,0	3 454	2,3%
more than 3 years	29 043	5 770	29 037	0,2	0,0	-6	-0,0%
Other liabilities	9 734	78 876	14 469	8,1	0,1	4 735	48,6%
Other liabilities	5 710	77 069	9 316	13,5	0,1	3 606	63,2%
Accrued interest not yet paid	4 024	1 807	5 153	0,4	0,0	1 129	28,1%
EQUITY	616 317	1 463 611	621 422	2,4	1,1	5 105	0,8%
Capital	495 444	-	495 444	0,0	0,0	-	0,0%
Profit from previous years	69 543	748 533	120 019	10,8	0,5	50 476	72,6%
Retained earnings from previous years	69 543	748 533	120 019	10,8	0,5	50 476	72,6%
Current year profit	51 330	760 449	5 959	14,8	0,6	-45 371	-88,4%
Current year retained earnings	51 330	760 449	5 959	14,8	0,6	-45 371	-88,4%
OFF-BALANCE SHEET	1 251 462	27 390	1 227 563	0,0	0,0	-23 899	-1,9%
Contingent liabilities	-57 063	8 456	-60 276	0,1	0,0	-3 213	5,6%
Unused credit limits opened	-57 063	8 456	-60 276	0,1	0,0	-3 213	5,6%
Collateral on loans	1 280 798	20 680	1 260 118	0,0	0,0	-20 680	-1,6%
goods	1 280 798	20 680	1 260 118	0,0	0,0	-20 680	-1,6%
Unprocessed payments	146 758	1 499	146 726	0,0	0,0	-32	-0,0%
Due to lack of funds on client accounts	146 758	1 499	146 726	0,0	0,0	-32	-0,0%
Other off-balance sheet accounts	-119 031	26	-119 005	0,0	0,0	26	-0,0%
Written-off interest	-9 810	20	-9 790	0,0	0,0	20	-0,2%
Written-off loans	-109 221	6	-109 215	0,0	0,0	6	-0,0%
Past due ratio, total	1 820	-	1 840	0,0	0,0	20	1,1%
Past due ratio, individuals	1 315	-	1 332	0,0	0,0	17	1,3%
Past due ratio, corporates	2 000	-	2 042	0,0	0,0	42	2,1%
Past due ratio, entrepreneurs	861	-	798	0,0	0,0	-63	-7,3%
Past due ratio, corporates + entrepreneurs	1 883	-	1 905	0,0	0,0	22	1,2%
Risk-weighted assets	1 129 989	-	1 108 524	0,0	0,0	-21 465	-1,9%