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

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	ALDANZOLOTOBANK	add to comparison
Central Bank of Russia registration number: 854

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	1 585 678	21 592 709	1 612 464	13,6	13,4	26 786	1,7%
High liquid assets	538 878	20 688 296	716 973	38,4	12,8	178 095	33,0%
Cash and equivalents	452 251	18 632 194	680 136	41,2	11,6	227 885	50,4%
Cash	277 872	12 157 953	339 024	43,8	7,5	61 152	22,0%
in cash and en route	277 440	12 155 886	338 794	43,8	7,5	61 354	22,1%
in ATMs	432	2 269	230	5,3	0,0	-202	-46,8%
Nostro account with Central Bank	174 379	6 474 241	341 112	37,1	4,0	166 733	95,6%
Nostro accounts	61 894	1 871 152	27 796	30,2	1,2	-34 098	-55,1%
Residents	61 894	1 871 152	27 796	30,2	1,2	-34 098	-55,1%
Money in transfer	24 733	234 740	9 041	9,5	0,1	-15 692	-63,4%
Provision for impairment of high-liquid assets	-	-	-	-	-	-	-
Interest-earning assets	952 941	247 432	800 614	0,3	0,2	-152 327	-16,0%
Dues from banks	-	-	-	-	-	-	-
Residents	1 499	-	1 499	0,0	0,0	-	0,0%
up to 30 days	1 499	-	1 499	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-1 499	-	-1 499	0,0	0,0	-	0,0%
Loans to corporate clients	789 629	232 204	647 581	0,3	0,1	-142 048	-18,0%
residents	801 399	113 694	775 559	0,1	0,1	-25 840	-3,2%
up to 30 days	32 726	59 479	38 682	1,8	0,0	5 956	18,2%
up to 180 days	35 000	35 000	-	1,0	0,0	-35 000	-100,0%
up to 1 year	598 533	28 375	602 583	0,0	0,0	4 050	0,7%
up to 3 years	135 140	846	134 294	0,0	0,0	-846	-0,6%
Past-due	866	425	852	0,5	0,0	-14	-1,6%
residents	866	425	852	0,5	0,0	-14	-1,6%
Provision for impairment of corporate loans	-12 636	118 085	-128 830	9,3	0,1	-116 194	919,5%
residents	-12 636	118 085	-128 830	9,3	0,1	-116 194	919,5%
Loans to private entrepreneurs	26 064	3 021	26 204	0,1	0,0	140	0,5%
up to 1 year	2 040	3 000	5 040	1,5	0,0	3 000	147,1%
up to 3 years	24 143	2 881	21 262	0,1	0,0	-2 881	-11,9%
Provision for impairment of loans to private entrepreneurs	-119	21	-98	0,2	0,0	21	-17,6%
Loans to individuals	137 248	12 347	126 829	0,1	0,0	-10 419	-7,6%
Standard	140 496	8 658	133 600	0,1	0,0	-6 896	-4,9%
up to 1 year	25 460	500	24 960	0,0	0,0	-500	-2,0%
up to 3 years	79 852	5 807	74 995	0,1	0,0	-4 857	-6,1%
more than 3 years	35 184	2 351	33 645	0,1	0,0	-1 539	-4,4%
Past-due	4 616	35	4 581	0,0	0,0	-35	-0,8%
Past-due	4 616	35	4 581	0,0	0,0	-35	-0,8%
Provision for impairment of loans to individuals	-7 864	3 654	-11 352	0,5	0,0	-3 488	44,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	93 859	809 308	94 877	8,6	0,5	1 018	1,1%
Mandatory reserves with Central Bank	10 244	834	11 078	0,1	0,0	834	8,1%
Premises and equipment	73 838	715	73 560	0,0	0,0	-278	-0,4%
Purchase cost	96 026	437	96 027	0,0	0,0	1	0,0%
Depreciation	-22 188	279	-22 467	0,0	0,0	-279	1,3%
Accrued interest not yet received	242	5 470	82	22,6	0,0	-160	-66,1%
Other assets	12 714	800 124	12 522	62,9	0,5	-192	-1,5%
Provision for impairment of other assets	-3 179	2 795	-2 365	0,9	0,0	814	-25,6%
LIABILITIES	1 319 301	11 898 254	1 466 740	9,0	7,4	147 439	11,2%
Dues to banks	58 280	1 098 610	42 308	18,9	0,7	-15 972	-27,4%
On demand	132	271	111	2,1	0,0	-21	-15,9%
Residents	132	271	111	2,1	0,0	-21	-15,9%
Other dues to banks	58 148	1 098 339	42 197	18,9	0,7	-15 951	-27,4%
On demand	560 147	9 061 485	604 635	16,2	5,6	44 488	7,9%
Corporate clients	518 336	8 886 831	536 929	17,1	5,5	18 593	3,6%
State-owned enterprises	1 026	26 212	6 780	25,5	0,0	5 754	560,8%
Residents	517 310	8 374 836	530 149	16,2	5,2	12 839	2,5%
Non-residents	-	485 783	-	-	-	-	-
Individuals	41 811	174 654	67 706	4,2	0,1	25 895	61,9%
Residents	41 792	174 496	67 531	4,2	0,1	25 739	61,6%
Non-residents	19	158	175	8,3	0,0	156	821,1%
Term	663 784	252 460	782 298	0,4	0,2	118 514	17,9%
Corporate clients	133 000	38 059	117 321	0,3	0,0	-15 679	-11,8%
Residents	133 000	38 059	117 321	0,3	0,0	-15 679	-11,8%
up to 3 years	88 000	38 059	72 321	0,4	0,0	-15 679	-17,8%
more than 3 years	45 000	-	45 000	0,0	0,0	-	0,0%
Individuals	530 784	230 080	664 977	0,4	0,1	134 193	25,3%
residents	529 175	228 948	663 419	0,4	0,1	134 244	25,4%
up to 180 days	50 614	26 477	29 156	0,5	0,0	-21 458	-42,4%
up to 1 year	42 794	17 185	48 813	0,4	0,0	6 019	14,1%
up to 3 years	435 767	206 744	585 450	0,5	0,1	149 683	34,3%
non-residents	1 609	1 183	1 558	0,7	0,0	-51	-3,2%
up to 180 days	36	3	33	0,1	0,0	-3	-8,3%
up to 1 year	1 059	1 161	-	1,1	0,0	-1 059	-100,0%
up to 3 years	514	1 030	1 525	2,0	0,0	1 011	196,7%
Other liabilities	37 090	1 501 671	37 499	40,5	0,9	409	1,1%
Other liabilities	27 560	1 494 473	28 319	54,2	0,9	759	2,8%
Accrued interest not yet paid	6 900	7 548	6 550	1,1	0,0	-350	-5,1%
Deferred tax liabilities	2 630	-	2 630	0,0	0,0	-	0,0%
EQUITY	266 377	269 055	145 724	1,0	0,2	-120 653	-45,3%
Capital	303 134	-	303 134	0,0	0,0	-	0,0%
Profit from previous years	-36 592	25 042	-36 592	0,7	0,0	-	0,0%
Retained earnings from previous years	-36 592	25 042	-36 592	0,7	0,0	-	0,0%
Current year profit	452	243 772	-120 170	539,3	0,2	-120 622	-26 686,3%
Current year retained earnings	452	243 772	-120 170	539,3	0,2	-120 622	-26 686,3%
Future expenses	-617	241	-648	0,4	0,0	-31	5,0%
OFF-BALANCE SHEET	1 971 630	237 941	1 981 742	0,1	0,1	10 112	0,5%
Contingent liabilities	-32 641	122 204	-10 110	3,7	0,1	22 531	-69,0%
Guarantees issued	-	-	-	-	-	-	-
Unused credit limits opened	-32 641	122 204	-10 110	3,7	0,1	22 531	-69,0%
Collateral on loans	1 012 323	67 936	1 026 830	0,1	0,0	14 507	1,4%
goods	1 012 323	67 936	1 026 830	0,1	0,0	14 507	1,4%
Unprocessed payments	1 026 200	65 994	999 229	0,1	0,0	-26 971	-2,6%
Due to lack of funds on client accounts	1 026 200	65 994	999 229	0,1	0,0	-26 971	-2,6%
Other off-balance sheet accounts	-34 252	4 383	-34 207	0,1	0,0	45	-0,1%
Accrued interest not yet received	1 207	4 383	1 252	3,6	0,0	45	3,7%
Written-off interest	-149	-	-149	0,0	0,0	-	0,0%
Written-off loans to banks	-35 310	-	-35 310	0,0	0,0	-	0,0%
Past due ratio, total	56	-	58	0,0	0,0	2	3,6%
Past due ratio, individuals	318	-	332	0,0	0,0	14	4,4%
Past due ratio, corporates	11	-	11	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	10	-	11	0,0	0,0	1	10,0%
Risk-weighted assets	1 311 061	-	1 189 476	0,0	0,0	-121 585	-9,3%