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

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	GELENDZHIK-BANK	add to comparison
Central Bank of Russia registration number: 790

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.	01.06.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 332 600	33 721 993	2 465 122	25,3	13,7	1 132 522	85,0%
High liquid assets	73 976	17 129 718	286 259	231,6	6,9	212 283	287,0%
Cash and equivalents	64 000	16 809 443	272 208	262,6	6,8	208 208	325,3%
Cash	44 986	1 069 452	49 301	23,8	0,4	4 315	9,6%
in cash and en route	41 961	1 058 340	46 420	25,2	0,4	4 459	10,6%
in ATMs	3 025	11 256	2 881	3,7	0,0	-144	-4,8%
Nostro account with Central Bank	19 014	15 739 991	222 907	827,8	6,4	203 893	1 072,3%
Nostro accounts	5 820	280 150	10 277	48,1	0,1	4 457	76,6%
Residents	5 820	280 150	10 277	48,1	0,1	4 457	76,6%
Money in transfer	4 209	40 496	3 821	9,6	0,0	-388	-9,2%
Provision for impairment of high-liquid assets	-53	17	-47	0,3	0,0	6	-11,3%
Interest-earning assets	1 143 587	9 938 030	2 062 778	8,7	4,0	919 191	80,4%
Dues from banks	70 000	9 725 000	880 000	138,9	3,9	810 000	1 157,1%
Central Bank of Russia	70 000	9 655 000	880 000	137,9	3,9	810 000	1 157,1%
Residents	-	70 000	-	-	-	-	-
up to 30 days	-	70 000	-	-	-	-	-
Loans past-due	12 071	-	12 071	0,0	0,0	-	0,0%
residents	12 071	-	12 071	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-12 071	-	-12 071	0,0	0,0	-	0,0%
Securities	274 338	97 722	355 679	0,4	0,0	81 341	29,6%
Bonds	271 546	16 241	263 940	0,1	0,0	-7 606	-2,8%
Federal Loan Bonds (OFZs), OBRs	269 996	1 809	271 805	0,0	0,0	1 809	0,7%
Financial institutions bonds	12 195	12 602	-	1,0	0,0	-12 195	-100,0%
Valuation allowance	-10 645	6 419	-7 865	0,6	0,0	2 780	-26,1%
Promissory notes	-	88 988	88 988	-	-	88 988	-
Banks	-	88 988	88 988	-	-	88 988	-
Stocks	2 792	140	2 751	0,1	0,0	-41	-1,5%
Residents	6 289	-	6 289	0,0	0,0	-	0,0%
Valuation allowance	-3 497	140	-3 538	0,0	0,0	-41	1,2%
Loans to corporate clients	387 591	107 991	433 559	0,3	0,0	45 968	11,9%
residents	335 197	97 554	377 864	0,3	0,0	42 667	12,7%
up to 30 days	-	20 719	-	-	-	-	-
up to 180 days	5 068	10 176	14 524	2,0	0,0	9 456	186,6%
up to 1 year	168 486	66 309	202 815	0,4	0,0	34 329	20,4%
up to 3 years	160 453	1 298	159 505	0,0	0,0	-948	-0,6%
more than 3 years	1 190	170	1 020	0,1	0,0	-170	-14,3%
state-owned enterprises	58 215	1 486	59 701	0,0	0,0	1 486	2,6%
up to 1 year	58 215	1 486	59 701	0,0	0,0	1 486	2,6%
Past-due	22 623	215	22 408	0,0	0,0	-215	-1,0%
residents	22 623	215	22 408	0,0	0,0	-215	-1,0%
Provision for impairment of corporate loans	-28 444	8 951	-26 414	0,3	0,0	2 030	-7,1%
residents	-27 862	8 951	-25 817	0,3	0,0	2 045	-7,3%
state-owned enterprises	-582	15	-597	0,0	0,0	-15	2,6%
Loans to private entrepreneurs	243 953	15 854	234 187	0,1	0,0	-9 766	-4,0%
up to 180 days	5 030	494	5 424	0,1	0,0	394	7,8%
up to 1 year	52 209	8 133	47 833	0,2	0,0	-4 376	-8,4%
up to 3 years	141 632	6 020	137 362	0,0	0,0	-4 270	-3,0%
more than 3 years	46 113	1 533	44 580	0,0	0,0	-1 533	-3,3%
Past-due	375	70	445	0,2	0,0	70	18,7%
Provision for impairment of loans to private entrepreneurs	-1 406	71	-1 457	0,1	0,0	-51	3,6%
Loans to individuals	167 705	9 175	159 353	0,1	0,0	-8 352	-5,0%
Standard	212 724	7 548	205 276	0,0	0,0	-7 448	-3,5%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	17 526	1 114	16 412	0,1	0,0	-1 114	-6,4%
up to 3 years	88 422	3 460	84 962	0,0	0,0	-3 460	-3,9%
more than 3 years	106 776	2 974	103 902	0,0	0,0	-2 874	-2,7%
Past-due	8 247	622	8 776	0,1	0,0	529	6,4%
Past-due	8 247	622	8 776	0,1	0,0	529	6,4%
Provision for impairment of loans to individuals	-53 266	1 534	-54 699	0,0	0,0	-1 433	2,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	115 037	6 654 245	116 085	57,8	2,7	1 048	0,9%
Mandatory reserves with Central Bank	9 701	224	9 908	0,0	0,0	207	2,1%
Premises and equipment	90 828	30 483	90 651	0,3	0,0	-177	-0,2%
Purchase cost	115 927	30 306	116 073	0,3	0,0	146	0,1%
Depreciation	-25 099	323	-25 422	0,0	0,0	-323	1,3%
Accrued interest not yet received	1 865	2 035	2 016	1,1	0,0	151	8,1%
Other assets	8 661	6 620 566	9 812	764,4	2,7	1 151	13,3%
Provision for impairment of other assets	-4 148	1 398	-4 432	0,3	0,0	-284	6,8%
Deferred tax asset	8 130	-	8 130	0,0	0,0	-	0,0%
LIABILITIES	1 109 855	10 619 926	2 240 420	9,6	4,3	1 130 565	101,9%
Dues to banks	11	164 020	94 245	14 910,9	0,1	94 234	856 672,7%
Term	-	90 000	90 000	-	-	90 000	-
Residents	-	90 000	90 000	-	-	90 000	-
up to 30 days	-	90 000	90 000	-	-	90 000	-
Other dues to banks	11	74 020	4 245	6 729,1	0,0	4 234	38 490,9%
On demand	312 539	7 912 919	1 215 344	25,3	3,2	902 805	288,9%
Corporate clients	246 027	7 817 199	1 097 791	31,8	3,2	851 764	346,2%
State-owned enterprises	843	33 208	3 081	39,4	0,0	2 238	265,5%
Residents	245 092	7 421 337	1 094 524	30,3	3,0	849 432	346,6%
Non-residents	92	362 654	186	3 941,9	0,1	94	102,2%
Individuals	66 512	95 720	117 553	1,4	0,0	51 041	76,7%
Residents	63 961	95 344	114 816	1,5	0,0	50 855	79,5%
Non-residents	2 551	376	2 737	0,1	0,0	186	7,3%
Term	713 631	41 444	710 233	0,1	0,0	-3 398	-0,5%
Corporate clients	70 250	-	70 250	0,0	0,0	-	0,0%
Residents	70 250	-	70 250	0,0	0,0	-	0,0%
up to 3 years	250	-	250	0,0	0,0	-	0,0%
more than 3 years	70 000	-	70 000	0,0	0,0	-	0,0%
Individuals	643 381	41 444	639 983	0,1	0,0	-3 398	-0,5%
residents	641 482	41 444	637 613	0,1	0,0	-3 869	-0,6%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	912	173	855	0,2	0,0	-57	-6,3%
up to 1 year	16 101	3 727	14 147	0,2	0,0	-1 954	-12,1%
up to 3 years	621 930	36 965	620 019	0,1	0,0	-1 911	-0,3%
more than 3 years	2 539	632	2 592	0,2	0,0	53	2,1%
non-residents	1 899	471	2 370	0,2	0,0	471	24,8%
up to 3 years	1 897	471	2 368	0,2	0,0	471	24,8%
more than 3 years	2	-	2	0,0	0,0	-	0,0%
Other liabilities	83 674	2 504 941	220 598	29,9	1,0	136 924	163,6%
Other liabilities	56 828	2 500 439	190 494	44,0	1,0	133 666	235,2%
Accrued interest not yet paid	13 613	4 366	16 735	0,3	0,0	3 122	22,9%
Liabilities past-due	1 790	136	1 926	0,1	0,0	136	7,6%
Deferred tax liabilities	11 443	-	11 443	0,0	0,0	-	0,0%
EQUITY	222 745	69 686	224 702	0,3	0,0	1 957	0,9%
Capital	51 019	856	50 601	0,0	0,0	-418	-0,8%
Profit from previous years	179 966	19 976	179 966	0,1	0,0	-	0,0%
Retained earnings from previous years	179 966	19 976	179 966	0,1	0,0	-	0,0%
Current year profit	-7 606	49 142	-5 250	6,5	0,0	2 356	-31,0%
Current year retained earnings	-7 606	49 142	-5 250	6,5	0,0	2 356	-31,0%
Future expenses	-634	130	-615	0,2	0,0	19	-3,0%
OFF-BALANCE SHEET	1 940 563	204 628	1 975 785	0,1	0,1	35 222	1,8%
Contingent liabilities	-104 194	130 156	-109 734	1,2	0,1	-5 540	5,3%
Unused credit limits opened	-104 194	130 156	-109 734	1,2	0,1	-5 540	5,3%
Collateral on loans	1 983 274	70 193	2 024 117	0,0	0,0	40 843	2,1%
goods	1 983 274	70 193	2 024 117	0,0	0,0	40 843	2,1%
Unprocessed payments	41 136	3 778	40 078	0,1	0,0	-1 058	-2,6%
Due to lack of funds on client accounts	41 136	3 778	40 078	0,1	0,0	-1 058	-2,6%
Other off-balance sheet accounts	20 347	1 478	21 324	0,1	0,0	977	4,8%
Accrued interest not yet received	21 062	1 478	22 039	0,1	0,0	977	4,6%
Written-off interest	-484	-	-484	0,0	0,0	-	0,0%
Written-off loans	-231	-	-231	0,0	0,0	-	0,0%
Past due ratio, total	354	-	348	0,0	0,0	-6	-1,7%
Past due ratio, individuals	373	-	410	0,0	0,0	37	9,9%
Past due ratio, corporates	544	-	487	0,0	0,0	-57	-10,5%
Past due ratio, entrepreneurs	15	-	19	0,0	0,0	4	26,7%
Past due ratio, corporates + entrepreneurs	348	-	329	0,0	0,0	-19	-5,5%
Risk-weighted assets	1 331 214	-	1 380 624	0,0	0,0	49 410	3,7%