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

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	YARSOTSBANK	add to comparison
Central Bank of Russia registration number: 828

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.


Turnover by thous. rub.					Period change
ASSETS	35 735 261	31 673 571	32 529 394	27 512 662	-8 222 599	-23,0%
High liquid assets	25 761 085	25 009 137	26 120 616	22 256 427	-3 504 658	-13,6%
Cash and equivalents	15 007 126	17 226 599	16 423 009	14 661 442	-345 684	-2,3%
Cash	7 751 792	7 867 484	7 692 165	7 768 719	16 927	0,2%
in cash and en route	6 464 342	6 543 434	6 449 615	6 664 519	200 177	3,1%
in ATMs	1 287 450	1 324 050	1 242 550	1 104 200	-183 250	-14,2%
Nostro account with Central Bank	7 255 334	9 359 115	8 730 844	6 892 723	-362 611	-5,0%
Nostro accounts	7 436 141	2 526 016	5 318 549	6 218 032	-1 218 109	-16,4%
Non-residents	5 225	4 935	2 977	525	-4 700	-90,0%
Residents	7 430 916	2 521 081	5 315 572	6 217 507	-1 213 409	-16,3%
Money in transfer	3 197 781	5 051 836	4 157 120	1 376 915	-1 820 866	-56,9%
Exchange accounts	120 007	204 659	221 921	3	-120 004	-100,0%
Provision for impairment of high-liquid assets	30	27	17	35	5	16,7%
Interest-earning assets	8 534 926	4 195 822	5 138 118	4 694 099	-3 840 827	-45,0%
Dues from banks	8 212 430	3 923 470	4 869 853	4 364 607	-3 847 823	-46,9%
Central Bank of Russia	2 715 000	3 910 000	1 520 000	-	-2 715 000	-100,0%
Residents	5 497 379	13 470	3 349 853	4 364 607	-1 132 772	-20,6%
up to 30 days	4 375 000	-	2 740 000	4 050 000	-325 000	-7,4%
up to 180 days	-	-	-	-	-	-
more than 180 days	1 122 379	13 470	609 853	314 607	-807 772	-72,0%
Non-residents	51	-	-	-	-51	-100,0%
more than 180 days	51	-	-	-	-51	-100,0%
Securities	788	2 032	-	-	-788	-100,0%
Bonds	788	2 032	-	-	-788	-100,0%
Federal Loan Bonds (OFZs), OBRs	788	368	-	-	-788	-100,0%
Valuation allowance	-	1 664	-	-	-	-
Loans to corporate clients	269 786	197 504	185 892	237 215	-32 571	-12,1%
residents	231 722	182 249	181 508	210 043	-21 679	-9,4%
up to 30 days	193 138	164 594	165 908	180 723	-12 415	-6,4%
up to 180 days	200	8 150	8 600	8 820	8 620	4 310,0%
up to 1 year	27 269	8 000	2 800	15 379	-11 890	-43,6%
up to 3 years	11 115	255	4 200	5 121	-5 994	-53,9%
more than 3 years	-	1 250	-	-	-	-
state-owned enterprises	33 812	13 233	-	-	-33 812	-100,0%
up to 180 days	-	-	-	-	-	-
up to 1 year	33 812	13 233	-	-	-33 812	-100,0%
Past-due	814	493	592	8 328	7 514	923,1%
residents	814	493	592	8 328	7 514	923,1%
Provision for impairment of corporate loans	3 438	1 529	3 792	18 844	15 406	448,1%
residents	3 438	1 529	3 792	18 844	15 406	448,1%
Loans to private entrepreneurs	12 374	16 114	20 414	26 912	14 538	117,5%
up to 30 days	11 672	16 038	13 992	26 911	15 239	130,6%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	611	-	6 400	-	-611	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	90	75	21	-	-90	-100,0%
Provision for impairment of loans to private entrepreneurs	1	1	1	1	-	0,0%
Loans to individuals	35 042	35 765	40 570	63 467	28 425	81,1%
Standard	31 811	32 794	33 097	58 837	27 026	85,0%
up to 30 days	23	15	10	25 044	25 021	108 787,0%
up to 180 days	760	89	885	153	-607	-79,9%
up to 1 year	4 613	7 068	7 682	7 760	3 147	68,2%
up to 3 years	21 915	22 293	20 131	16 793	-5 122	-23,4%
more than 3 years	4 500	3 329	4 389	9 087	4 587	101,9%
Past-due	2 452	2 152	5 577	3 003	551	22,5%
Past-due	2 452	2 152	5 577	3 003	551	22,5%
Provision for impairment of loans to individuals	779	819	1 896	1 627	848	108,9%
Provision for impairment of loans past-due	4 506	20 937	21 389	1 898	-2 608	-57,9%
Other assets	1 439 250	2 468 612	1 270 660	562 136	-877 114	-60,9%
Mandatory reserves with Central Bank	393	2 118	73 139	-	-393	-100,0%
Premises and equipment	39 385	121 169	44 958	124 078	84 693	215,0%
Purchase cost	39 385	121 169	44 921	123 811	84 426	214,4%
Depreciation	-	-	37	267	267	-
Accrued interest not yet received	36 203	34 986	34 162	35 378	-825	-2,3%
Factoring	-	-	-	-	-	-
Non-current assets	-	-	-	635	635	-
Other assets	1 357 012	2 308 637	1 107 271	390 121	-966 891	-71,3%
Provision for impairment of other assets	6 257	1 702	11 130	11 924	5 667	90,6%
LIABILITIES	13 327 236	15 243 391	12 428 844	12 612 846	-714 390	-5,4%
Dues to banks	90 432	30 958	73 163	214 601	124 169	137,3%
On demand	-	-	-	131 777	131 777	-
Residents	-	-	-	131 777	131 777	-
Term	35 000	-	37 003	37 648	2 648	7,6%
Residents	35 000	-	37 003	37 648	2 648	7,6%
up to 30 days	35 000	-	37 003	37 648	2 648	7,6%
more than 180 days	-	-	-	-	-	-
Other dues to banks	55 432	30 958	36 160	45 176	-10 256	-18,5%
On demand	9 983 479	10 952 147	9 664 126	10 172 807	189 328	1,9%
Corporate clients	8 130 860	8 997 457	7 895 715	8 150 341	19 481	0,2%
State-owned enterprises	274 163	1 149 547	389 631	205 081	-69 082	-25,2%
Residents	7 848 938	7 839 756	7 497 283	7 939 267	90 329	1,2%
Non-residents	7 759	8 154	8 801	5 993	-1 766	-22,8%
Individuals	1 852 619	1 954 690	1 768 411	2 022 466	169 847	9,2%
Residents	1 820 946	1 905 099	1 747 118	2 014 863	193 917	10,6%
Non-residents	31 673	49 591	21 293	7 603	-24 070	-76,0%
Term	504 759	559 693	389 089	318 152	-186 607	-37,0%
Corporate clients	34 590	52 250	31 530	33 095	-1 495	-4,3%
Residents	34 590	52 250	31 530	33 095	-1 495	-4,3%
up to 30 days	-	-	-	15	15	-
up to 180 days	34 190	50 950	24 620	21 580	-12 610	-36,9%
up to 1 year	400	1 300	6 910	11 500	11 100	2 775,0%
up to 3 years	-	-	-	-	-	-
Individuals	470 169	507 443	357 559	285 057	-185 112	-39,4%
residents	467 904	462 698	350 436	276 609	-191 295	-40,9%
up to 180 days	44 690	48 653	36 663	23 900	-20 790	-46,5%
up to 1 year	268 749	221 170	185 215	133 940	-134 809	-50,2%
up to 3 years	154 465	192 875	128 558	118 769	-35 696	-23,1%
non-residents	2 265	44 745	7 123	8 448	6 183	273,0%
up to 180 days	-	25	-	75	75	-
up to 1 year	2 239	39 773	3 945	621	-1 618	-72,3%
up to 3 years	26	4 947	3 178	7 752	7 726	29 715,4%
Securities issued	-	-	-	31 761	31 761	-
Promissory notes	-	-	-	31 761	31 761	-
up to 30 days	-	-	-	-	-	-
more than 180 days	-	-	-	31 761	31 761	-
Other liabilities	2 748 566	3 700 593	2 302 466	1 875 525	-873 041	-31,8%
Other liabilities	2 723 564	3 680 983	2 283 510	1 849 253	-874 311	-32,1%
Accrued interest not yet paid	25 002	19 610	18 956	26 272	1 270	5,1%
EQUITY	182 935	118 526	106 027	120 859	-62 076	-33,9%
Capital	118	-	2 490	-	-118	-100,0%
Profit from previous years	67 407	-	-	-	-67 407	-100,0%
Retained earnings from previous years	67 407	-	-	-	-67 407	-100,0%
Current year profit	114 943	118 329	103 536	120 374	5 431	4,7%
Current year retained earnings	114 943	118 329	103 536	120 374	5 431	4,7%
Future expenses	467	197	1	485	18	3,9%
OFF-BALANCE SHEET	546 025	324 705	294 650	441 574	-104 451	-19,1%
Contingent liabilities	304 841	260 191	198 496	255 315	-49 526	-16,2%
Guarantees issued	-	-	967	1 192	1 192	-
Unused credit limits opened	304 841	260 191	197 529	254 123	-50 718	-16,6%
Collateral on loans	236 732	59 662	89 397	180 137	-56 595	-23,9%
goods	234 315	55 009	80 276	171 539	-62 776	-26,8%
securities	2 417	4 653	9 121	8 598	6 181	255,7%
Other off-balance sheet accounts	4 452	4 852	6 757	6 122	1 670	37,5%
Accrued interest not yet received	4 452	4 852	6 757	6 016	1 564	35,1%
Written-off interest	-	-	-	41	41	-
Written-off loans	-	-	-	65	65	-
Credit card balances	23	15	10	25 044	25 021	108 787,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-