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

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	TORZHOK	add to comparison
Central Bank of Russia registration number: 933

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 078 921	7 803 428	1 075 955	7,2	7,3	-2 966	-0,3%
High liquid assets	142 436	4 578 826	112 296	32,1	4,3	-30 140	-21,2%
Cash and equivalents	121 906	4 320 446	90 954	35,4	4,0	-30 952	-25,4%
Cash	55 802	218 363	76 642	3,9	0,2	20 840	37,3%
in cash and en route	55 802	218 363	76 642	3,9	0,2	20 840	37,3%
Nostro account with Central Bank	66 104	4 122 923	14 312	62,4	3,8	-51 792	-78,3%
Nostro accounts	25 005	259 192	25 817	10,4	0,2	812	3,2%
Residents	25 005	259 192	25 817	10,4	0,2	812	3,2%
Provision for impairment of high-liquid assets	-4 475	-	-4 475	0,0	0,0	-	0,0%
Interest-earning assets	760 729	3 040 056	788 471	4,0	2,8	27 742	3,6%
Dues from banks	575 000	3 032 900	612 400	5,3	2,8	37 400	6,5%
Central Bank of Russia	575 000	3 032 900	612 400	5,3	2,8	37 400	6,5%
Loans to corporate clients	140 627	15 456	132 201	0,1	0,0	-8 426	-6,0%
residents	209 877	14 563	199 561	0,1	0,0	-10 316	-4,9%
up to 30 days	126	2 397	451	19,0	0,0	325	257,9%
up to 180 days	8 500	-	8 500	0,0	0,0	-	0,0%
up to 1 year	13 450	4 000	9 450	0,3	0,0	-4 000	-29,7%
up to 3 years	187 801	8 491	181 160	0,0	0,0	-6 641	-3,5%
Past-due	12 648	54	12 639	0,0	0,0	-9	-0,1%
residents	12 648	54	12 639	0,0	0,0	-9	-0,1%
Provision for impairment of corporate loans	-81 898	2 739	-79 999	0,0	0,0	1 899	-2,3%
residents	-81 898	2 739	-79 999	0,0	0,0	1 899	-2,3%
Loans to private entrepreneurs	22 073	667	21 453	0,0	0,0	-620	-2,8%
up to 1 year	1 450	-	1 450	0,0	0,0	-	0,0%
up to 3 years	10 673	389	10 284	0,0	0,0	-389	-3,6%
more than 3 years	10 073	243	9 830	0,0	0,0	-243	-2,4%
Past-due	6 748	8	6 751	0,0	0,0	3	0,0%
Provision for impairment of loans to private entrepreneurs	-6 871	46	-6 862	0,0	0,0	9	-0,1%
Loans to individuals	23 029	690	22 417	0,0	0,0	-612	-2,7%
Standard	23 705	656	23 064	0,0	0,0	-641	-2,7%
up to 30 days	-	-	-	-	-	-	-
up to 1 year	110	22	88	0,2	0,0	-22	-20,0%
up to 3 years	5 095	228	4 882	0,0	0,0	-213	-4,2%
more than 3 years	18 500	406	18 094	0,0	0,0	-406	-2,2%
Past-due	705	8	697	0,0	0,0	-8	-1,1%
Past-due	705	8	697	0,0	0,0	-8	-1,1%
Provision for impairment of loans to individuals	-1 381	56	-1 344	0,0	0,0	37	-2,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	175 756	212 289	175 188	1,2	0,2	-568	-0,3%
Mandatory reserves with Central Bank	8 073	483	8 556	0,1	0,0	483	6,0%
Premises and equipment	160 918	14 705	188 529	0,1	0,0	27 611	17,2%
Purchase cost	224 377	14 275	252 420	0,1	0,0	28 043	12,5%
Depreciation	-63 459	433	-63 891	0,0	0,0	-432	0,7%
Accrued interest not yet received	1 608	4 186	2 506	2,6	0,0	898	55,8%
Other assets	7 539	192 208	-21 805	25,5	0,2	-29 344	-389,2%
Provision for impairment of other assets	-2 382	2 088	-2 598	0,9	0,0	-216	9,1%
LIABILITIES	703 934	1 401 001	700 217	2,0	1,3	-3 717	-0,5%
Dues to banks	-	249 100	-	-	-	-	-
Other dues to banks	-	249 100	-	-	-	-	-
On demand	516 728	1 110 657	533 697	2,1	1,0	16 969	3,3%
Corporate clients	513 472	1 104 615	530 549	2,2	1,0	17 077	3,3%
State-owned enterprises	5 376	24 781	2 676	4,6	0,0	-2 700	-50,2%
Residents	508 081	1 082 489	527 857	2,1	1,0	19 776	3,9%
Non-residents	15	45	16	3,0	0,0	1	6,7%
Individuals	3 256	6 150	3 148	1,9	0,0	-108	-3,3%
Residents	3 256	6 150	3 148	1,9	0,0	-108	-3,3%
Term	169 128	35 324	147 144	0,2	0,0	-21 984	-13,0%
Individuals	169 128	35 324	147 144	0,2	0,0	-21 984	-13,0%
residents	169 128	35 324	147 144	0,2	0,0	-21 984	-13,0%
up to 1 year	9 273	4 198	5 266	0,5	0,0	-4 007	-43,2%
up to 3 years	37 462	8 150	36 883	0,2	0,0	-579	-1,5%
more than 3 years	122 393	22 976	104 995	0,2	0,0	-17 398	-14,2%
Other liabilities	18 078	24 187	19 376	1,3	0,0	1 298	7,2%
Other liabilities	7 888	24 088	9 136	3,1	0,0	1 248	15,8%
Accrued interest not yet paid	135	99	185	0,7	0,0	50	37,0%
Deferred tax liabilities	10 055	-	10 055	0,0	0,0	-	0,0%
EQUITY	374 987	740 217	375 738	2,0	0,7	751	0,2%
Capital	98 252	-	98 252	0,0	0,0	-	0,0%
Profit from previous years	293 057	370 189	274 276	1,3	0,3	-18 781	-6,4%
Retained earnings from previous years	293 057	370 189	274 276	1,3	0,3	-18 781	-6,4%
Current year profit	-16 322	388 809	3 210	23,8	0,4	19 532	-119,7%
Current year retained earnings	-16 322	388 809	3 210	23,8	0,4	19 532	-119,7%
OFF-BALANCE SHEET	1 191 312	450 813	931 012	0,4	0,4	-260 300	-21,8%
Contingent liabilities	-44 087	14 544	-54 319	0,3	0,0	-10 232	23,2%
Unused credit limits opened	-44 087	14 544	-54 319	0,3	0,0	-10 232	23,2%
Collateral on loans	337 384	14 655	322 729	0,0	0,0	-14 655	-4,3%
goods	337 384	14 655	322 729	0,0	0,0	-14 655	-4,3%
Unprocessed payments	907 966	436 269	672 553	0,5	0,4	-235 413	-25,9%
Due to lack of funds on client accounts	907 966	436 269	672 553	0,5	0,4	-235 413	-25,9%
Other off-balance sheet accounts	-9 951	-	-9 951	0,0	0,0	-	0,0%
Written-off interest	-6 062	-	-6 062	0,0	0,0	-	0,0%
Written-off loans	-3 889	-	-3 889	0,0	0,0	-	0,0%
Credit card balances	-	-	-	-	-	-	-
Past due ratio, total	729	-	760	0,0	0,0	31	4,3%
Past due ratio, individuals	289	-	293	0,0	0,0	4	1,4%
Past due ratio, corporates	568	-	596	0,0	0,0	28	4,9%
Past due ratio, entrepreneurs	2 331	-	2 384	0,0	0,0	53	2,3%
Past due ratio, corporates + entrepreneurs	771	-	806	0,0	0,0	35	4,5%
Risk-weighted assets	658 397	-	667 696	0,0	0,0	9 299	1,4%