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

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	NORVIK BANK	add to comparison
Central Bank of Russia registration number: 902 retail funding, CB RF representative, complies with 214-FZ (equity construction)

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	80 667 531	105 633 933	136 840 918	90 608 671	9 941 140	12,3%
High liquid assets	31 655 463	39 469 058	48 044 401	24 075 064	-7 580 399	-23,9%
Cash and equivalents	21 268 397	29 977 821	36 474 645	18 778 694	-2 489 703	-11,7%
Cash	9 097 714	8 627 526	9 746 849	6 844 018	-2 253 696	-24,8%
in cash and en route	8 235 365	7 748 135	8 759 904	6 214 926	-2 020 439	-24,5%
in ATMs	862 349	879 391	986 945	629 092	-233 257	-27,0%
Nostro account with Central Bank	12 170 683	21 350 295	26 727 796	11 934 676	-236 007	-1,9%
Nostro accounts	8 042 175	7 126 167	8 652 990	3 438 912	-4 603 263	-57,2%
Residents	8 042 175	7 126 167	8 652 990	3 438 912	-4 603 263	-57,2%
Money in transfer	2 344 446	2 364 683	2 916 063	1 857 094	-487 352	-20,8%
Provision for impairment of high-liquid assets	445	387	703	364	-81	-18,2%
Interest-earning assets	4 266 525	16 096 915	19 733 735	8 919 613	4 653 088	109,1%
Dues from banks	2 165 424	12 105 729	16 170 855	5 946 530	3 781 106	174,6%
Central Bank of Russia	819 000	6 309 000	11 450 000	3 553 090	2 734 090	333,8%
Residents	1 346 414	5 796 719	4 720 855	2 393 384	1 046 970	77,8%
up to 30 days	1 346 414	5 796 719	4 720 855	2 393 384	1 046 970	77,8%
Provision for impairment of loans to banks	10	10	-	56	46	460,0%
Securities	652 042	2 899 355	1 933 052	2 045 355	1 393 313	213,7%
Bonds	629 406	2 865 699	1 891 531	1 994 606	1 365 200	216,9%
Federal Loan Bonds (OFZs), OBRs	102 370	2 314 150	1 098 571	1 791 945	1 689 575	1 650,5%
Corporate bonds	178 930	94 364	121 532	4 979	-173 951	-97,2%
Financial institutions bonds	18 088	25 312	9 220	13 604	-4 484	-24,8%
Corporate foreign bonds	314 116	407 074	630 805	166 903	-147 213	-46,9%
Valuation allowance	15 902	23 785	31 403	17 175	1 273	8,0%
Pledged under REPO	-	1 014	-	-	-	-
Stocks	22 636	33 656	41 521	50 749	28 113	124,2%
Non-residents	20 367	30 580	37 633	47 688	27 321	134,1%
Valuation allowance	2 269	3 075	3 888	3 061	792	34,9%
Provision for impairment of stocks	-	1	-	-	-	-
Loans to corporate clients	290 240	270 317	293 754	176 355	-113 885	-39,2%
residents	247 458	231 816	216 101	155 426	-92 032	-37,2%
up to 30 days	140 283	129 728	115 215	87 890	-52 393	-37,3%
up to 180 days	42 847	38 154	21 283	10 997	-31 850	-74,3%
up to 1 year	36 451	27 007	43 716	48 262	11 811	32,4%
up to 3 years	27 877	36 341	27 454	8 277	-19 600	-70,3%
more than 3 years	-	586	8 433	-	-	-
Past-due	6 851	4 899	3 178	2 694	-4 157	-60,7%
residents	6 850	4 893	3 171	2 694	-4 156	-60,7%
non-residents	-	6	5	-	-	-
state-owned enterprises	1	-	2	-	-1	-100,0%
Provision for impairment of corporate loans	35 931	33 602	74 475	18 235	-17 696	-49,2%
residents	35 930	33 600	74 471	18 234	-17 696	-49,3%
non-residents	-	-	1	-	-	-
state-owned enterprises	1	2	3	1	-	0,0%
Loans to private entrepreneurs	32 576	40 184	48 051	30 497	-2 079	-6,4%
up to 30 days	16 865	15 325	18 266	10 879	-5 986	-35,5%
up to 180 days	1 000	9 010	3 929	2 266	1 266	126,6%
up to 1 year	4 352	2 350	4 797	4 040	-312	-7,2%
up to 3 years	6 173	10 047	12 413	10 015	3 842	62,2%
more than 3 years	-	-	2 436	905	905	-
Past-due	813	513	608	444	-369	-45,4%
Provision for impairment of loans to private entrepreneurs	3 373	2 939	5 602	1 948	-1 425	-42,2%
Loans to individuals	1 126 243	781 330	1 288 023	720 876	-405 367	-36,0%
Standard	798 269	572 310	958 698	521 011	-277 258	-34,7%
up to 30 days	568 027	429 534	641 190	360 554	-207 473	-36,5%
up to 180 days	1 950	5 300	11 303	-	-1 950	-100,0%
up to 1 year	373	7 239	14 358	3 366	2 993	802,4%
up to 3 years	3 280	8 118	7 112	33 504	30 224	921,5%
more than 3 years	224 639	122 119	284 735	123 587	-101 052	-45,0%
Past-due	29 961	42 549	59 838	35 824	5 863	19,6%
Past-due	29 961	42 549	59 838	35 824	5 863	19,6%
Provision for impairment of loans to individuals	298 013	166 471	269 487	164 041	-133 972	-45,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	44 745 543	50 067 960	69 062 782	57 613 994	12 868 451	28,8%
Mandatory reserves with Central Bank	5 703	249	-	-	-5 703	-100,0%
Premises and equipment	1 903 357	3 670 215	3 384 534	467 175	-1 436 182	-75,5%
Purchase cost	1 892 459	3 669 186	3 353 077	467 146	-1 425 313	-75,3%
Depreciation	10 898	1 029	31 457	29	-10 869	-99,7%
Accrued interest not yet received	118 916	118 424	127 235	129 101	10 185	8,6%
Other assets	42 679 134	46 241 692	65 486 916	56 929 924	14 250 790	33,4%
Provision for impairment of other assets	28 352	26 748	45 904	21 563	-6 789	-23,9%
Derivatives - assets	10 081	10 632	18 193	11 437	1 356	13,5%
Deferred tax asset	-	-	-	54 794	54 794	-
LIABILITIES	62 548 389	59 307 831	81 626 808	54 273 554	-8 274 835	-13,2%
Dues to banks	1 624 656	1 662 033	2 210 453	1 304 038	-320 618	-19,7%
On demand	79 131	59 163	78 879	53 496	-25 635	-32,4%
Residents	79 131	59 163	78 879	53 496	-25 635	-32,4%
Term	-	972	-	-	-	-
Residents	-	972	-	-	-	-
up to 30 days	-	972	-	-	-	-
Other dues to banks	1 545 525	1 601 898	2 131 574	1 250 542	-294 983	-19,1%
On demand	17 387 733	15 798 865	19 642 609	11 723 562	-5 664 171	-32,6%
Corporate clients	14 897 935	13 665 192	16 801 711	9 648 498	-5 249 437	-35,2%
State-owned enterprises	74 721	27 865	63 922	20 521	-54 200	-72,5%
Residents	14 809 627	13 568 965	15 896 044	9 594 038	-5 215 589	-35,2%
Non-residents	13 587	68 362	841 745	33 939	20 352	149,8%
Individuals	2 489 798	2 133 673	2 840 898	2 075 064	-414 734	-16,7%
Residents	2 486 131	2 130 080	2 836 369	2 064 631	-421 500	-17,0%
Non-residents	3 667	3 593	4 529	10 433	6 766	184,5%
Term	1 863 171	1 963 259	1 989 434	1 546 255	-316 916	-17,0%
Corporate clients	1 012 922	1 172 466	955 275	903 740	-109 182	-10,8%
Residents	1 012 922	1 172 466	955 275	903 740	-109 182	-10,8%
up to 30 days	490 300	486 143	372 022	307 703	-182 597	-37,2%
up to 180 days	466 241	669 323	581 653	588 756	122 515	26,3%
up to 1 year	56 200	17 000	1 600	4 210	-51 990	-92,5%
up to 3 years	181	-	-	3 071	2 890	1 596,7%
Individuals	850 249	790 793	1 034 159	642 515	-207 734	-24,4%
residents	850 249	790 776	1 034 142	642 404	-207 845	-24,4%
up to 180 days	130 426	94 232	102 234	50 909	-79 517	-61,0%
up to 1 year	158 440	192 497	205 303	144 222	-14 218	-9,0%
up to 3 years	550 080	483 886	669 070	414 168	-135 912	-24,7%
more than 3 years	11 303	20 161	57 535	33 105	21 802	192,9%
non-residents	-	17	17	111	111	-
up to 3 years	-	17	17	111	111	-
Other liabilities	41 672 829	39 883 674	57 784 312	39 699 699	-1 973 130	-4,7%
Other liabilities	41 632 869	39 852 167	57 755 363	39 675 656	-1 957 213	-4,7%
Accrued interest not yet paid	39 960	31 507	28 949	24 043	-15 917	-39,8%
Liabilities past-due	-	-	-	-	-	-
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	899 891	968 971	1 036 264	45 528 518	44 628 627	4 959,3%
Capital	47 705	36 180	67 786	75 658	27 953	58,6%
Profit from previous years	-	-	-	33 391 635	33 391 635	-
Retained earnings from previous years	-	-	-	33 391 635	33 391 635	-
Current year profit	852 186	932 791	968 478	12 061 225	11 209 039	1 315,3%
Current year retained earnings	852 186	932 791	968 478	12 061 225	11 209 039	1 315,3%
OFF-BALANCE SHEET	2 910 228	2 947 504	3 516 382	2 006 350	-903 878	-31,1%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	1 614 602	1 430 018	1 892 725	1 211 652	-402 950	-25,0%
Guarantees issued	53 455	41 954	26 042	31 966	-21 489	-40,2%
Unused credit limits opened	1 557 807	1 386 112	1 864 967	1 179 686	-378 121	-24,3%
Unused guarantee limits	3 340	1 952	1 716	-	-3 340	-100,0%
Collateral on loans	1 000 961	1 173 746	1 103 985	548 118	-452 843	-45,2%
goods	921 481	1 051 191	952 403	495 560	-425 921	-46,2%
securities	79 480	122 555	151 582	52 558	-26 922	-33,9%
Unprocessed payments	293 015	335 140	490 754	246 580	-46 435	-15,8%
Due to lack of funds on client accounts	293 015	335 140	490 754	246 580	-46 435	-15,8%
Other off-balance sheet accounts	1 650	8 600	28 918	-	-1 650	-100,0%
Written-off interest	1 463	817	4 014	-	-1 463	-100,0%
Written-off loans	187	7 783	24 904	-	-187	-100,0%
Credit card balances	568 027	429 534	641 190	360 554	-207 473	-36,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-