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

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	PROHLADNIY	add to comparison
Central Bank of Russia registration number: 874 retail funding

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.	01.09.2020	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 148 959	4 647 297	1 158 599	4,0	4,0	9 640	0,8%
High liquid assets	40 958	2 678 496	40 791	65,4	2,3	-167	-0,4%
Cash and equivalents	35 928	2 572 414	38 286	71,6	2,2	2 358	6,6%
Cash	30 967	473 903	31 082	15,3	0,4	115	0,4%
in cash and en route	28 498	468 786	29 356	16,4	0,4	858	3,0%
in ATMs	2 469	5 860	1 726	2,4	0,0	-743	-30,1%
Nostro account with Central Bank	4 961	2 098 511	7 204	423,0	1,8	2 243	45,2%
Nostro accounts	4 333	100 936	353	23,3	0,1	-3 980	-91,9%
Residents	4 333	100 936	353	23,3	0,1	-3 980	-91,9%
Money in transfer	697	8 959	2 152	12,9	0,0	1 455	208,8%
Interest-earning assets	1 029 653	1 932 850	989 339	1,9	1,7	-40 314	-3,9%
Dues from banks	247 179	1 751 000	279 179	7,1	1,5	32 000	12,9%
Central Bank of Russia	246 000	1 751 000	278 000	7,1	1,5	32 000	13,0%
Residents	1 179	-	1 179	0,0	0,0	-	0,0%
up to 30 days	1 179	-	1 179	0,0	0,0	-	0,0%
Loans to corporate clients	654 257	208 853	584 502	0,3	0,2	-69 755	-10,7%
residents	751 095	124 756	690 171	0,2	0,1	-60 924	-8,1%
up to 180 days	-	25 000	25 000	-	-	25 000	-
up to 1 year	74 500	19 500	60 000	0,3	0,0	-14 500	-19,5%
up to 3 years	391 156	68 840	340 664	0,2	0,1	-50 492	-12,9%
more than 3 years	285 439	36 416	264 507	0,1	0,0	-20 932	-7,3%
Past-due	7 150	1 126	6 100	0,2	0,0	-1 050	-14,7%
residents	7 150	1 126	6 100	0,2	0,0	-1 050	-14,7%
Provision for impairment of corporate loans	-103 988	82 971	-111 769	0,8	0,1	-7 781	7,5%
residents	-103 988	82 971	-111 769	0,8	0,1	-7 781	7,5%
Loans to private entrepreneurs	91 958	1 146	90 624	0,0	0,0	-1 334	-1,5%
up to 1 year	4 500	250	4 250	0,1	0,0	-250	-5,6%
up to 3 years	77 750	-	77 750	0,0	0,0	-	0,0%
more than 3 years	83 720	200	83 520	0,0	0,0	-200	-0,2%
Past-due	27 700	14	27 714	0,0	0,0	14	0,1%
Provision for impairment of loans to private entrepreneurs	-101 712	915	-102 610	0,0	0,0	-898	0,9%
Loans to individuals	36 259	3 851	35 034	0,1	0,0	-1 225	-3,4%
Standard	48 045	2 612	47 038	0,1	0,0	-1 007	-2,1%
up to 1 year	15	5	10	0,3	0,0	-5	-33,3%
up to 3 years	9 549	750	9 139	0,1	0,0	-410	-4,3%
more than 3 years	38 481	1 857	37 889	0,0	0,0	-592	-1,5%
Past-due	1 547	471	1 148	0,3	0,0	-399	-25,8%
Past-due	1 547	471	1 148	0,3	0,0	-399	-25,8%
Provision for impairment of loans to individuals	-13 333	768	-13 152	0,1	0,0	181	-1,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	78 348	76 432	128 469	1,0	0,1	50 121	64,0%
Mandatory reserves with Central Bank	1 239	29	1 210	0,0	0,0	-29	-2,3%
Premises and equipment	49 039	882	48 203	0,0	0,0	-836	-1,7%
Purchase cost	86 197	46	86 197	0,0	0,0	-	0,0%
Depreciation	-37 158	836	-37 994	0,0	0,0	-836	2,2%
Accrued interest not yet received	4 034	13 463	4 811	3,3	0,0	777	19,3%
Other assets	12 017	62 738	62 217	5,2	0,1	50 200	417,7%
Provision for impairment of other assets	-1 867	185	-1 858	0,1	0,0	9	-0,5%
Deferred tax asset	13 886	-	13 886	0,0	0,0	-	0,0%
LIABILITIES	813 759	654 022	826 592	0,8	0,6	12 833	1,6%
Dues to banks	-	3 295	-	-	-	-	-
On demand	-	1	-	-	-	-	-
Residents	-	1	-	-	-	-	-
Other dues to banks	-	3 294	-	-	-	-	-
On demand	88 689	558 165	103 022	6,3	0,5	14 333	16,2%
Corporate clients	52 945	467 427	66 692	8,8	0,4	13 747	26,0%
State-owned enterprises	1 504	33 447	539	22,2	0,0	-965	-64,2%
Residents	51 441	434 945	66 153	8,5	0,4	14 712	28,6%
Individuals	35 744	90 738	36 330	2,5	0,1	586	1,6%
Residents	35 744	90 738	36 330	2,5	0,1	586	1,6%
Term	688 671	69 218	688 646	0,1	0,1	-25	-0,0%
Individuals	688 671	69 218	688 646	0,1	0,1	-25	-0,0%
residents	688 671	69 218	688 646	0,1	0,1	-25	-0,0%
up to 180 days	48 483	11 731	42 717	0,2	0,0	-5 766	-11,9%
up to 1 year	85 236	12 976	82 250	0,2	0,0	-2 986	-3,5%
up to 3 years	554 952	53 238	563 679	0,1	0,0	8 727	1,6%
Other liabilities	36 399	24 844	34 924	0,7	0,0	-1 475	-4,1%
Other liabilities	10 441	20 268	10 983	1,9	0,0	542	5,2%
Accrued interest not yet paid	6 612	5 118	4 595	0,8	0,0	-2 017	-30,5%
Deferred tax liabilities	19 346	-	19 346	0,0	0,0	-	0,0%
EQUITY	335 200	105 635	332 007	0,3	0,1	-3 193	-1,0%
Capital	291 100	-	291 100	0,0	0,0	-	0,0%
Profit from previous years	98 579	10 939	98 579	0,1	0,0	-	0,0%
Retained earnings from previous years	98 579	10 939	98 579	0,1	0,0	-	0,0%
Current year profit	-54 479	94 696	-57 672	1,7	0,1	-3 193	5,9%
Current year retained earnings	-54 479	94 696	-57 672	1,7	0,1	-3 193	5,9%
OFF-BALANCE SHEET	1 511 546	157 331	1 501 354	0,1	0,1	-10 192	-0,7%
Contingent liabilities	-4 295	3 348	-947	0,8	0,0	3 348	-78,0%
Unused credit limits opened	-4 295	3 348	-947	0,8	0,0	3 348	-78,0%
Collateral on loans	1 137 203	117 929	1 098 600	0,1	0,1	-38 603	-3,4%
goods	1 137 203	117 929	1 098 600	0,1	0,1	-38 603	-3,4%
Unprocessed payments	396 988	36 054	422 051	0,1	0,0	25 063	6,3%
Due to lack of funds on client accounts	396 988	36 054	422 051	0,1	0,0	25 063	6,3%
Other off-balance sheet accounts	-18 350	-	-18 350	0,0	0,0	-	0,0%
Written-off interest	-1 260	-	-1 260	0,0	0,0	-	0,0%
Written-off loans	-17 090	-	-17 090	0,0	0,0	-	0,0%
Past due ratio, total	363	-	373	0,0	0,0	10	2,8%
Past due ratio, individuals	312	-	238	0,0	0,0	-74	-23,7%
Past due ratio, corporates	94	-	88	0,0	0,0	-6	-6,4%
Past due ratio, entrepreneurs	1 430	-	1 434	0,0	0,0	4	0,3%
Past due ratio, corporates + entrepreneurs	366	-	380	0,0	0,0	14	3,8%
Risk-weighted assets	1 169 970	-	1 188 198	0,0	0,0	18 228	1,6%