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

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	LEND-BANK	add to comparison
Central Bank of Russia registration number: 1478 retail lending

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	194 256	-	181 654	0,0	0,0	-12 602	-6,5%
High liquid assets	35 573	-	25 760	0,0	0,0	-9 813	-27,6%
Cash and equivalents	20 257	-	12 435	0,0	0,0	-7 822	-38,6%
Cash	20 257	-	12 435	0,0	0,0	-7 822	-38,6%
in cash and en route	20 257	-	12 435	0,0	0,0	-7 822	-38,6%
Nostro accounts	15 316	-	13 325	0,0	0,0	-1 991	-13,0%
Residents	15 316	-	13 325	0,0	0,0	-1 991	-13,0%
Interest-earning assets	86 528	-	96 372	0,0	0,0	9 844	11,4%
Loans to corporate clients	450	-	450	0,0	0,0	-	0,0%
residents	900	-	900	0,0	0,0	-	0,0%
up to 3 years	900	-	900	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-450	-	-450	0,0	0,0	-	0,0%
residents	-450	-	-450	0,0	0,0	-	0,0%
Loans to individuals	86 078	-	95 922	0,0	0,0	9 844	11,4%
Standard	92 001	-	112 145	0,0	0,0	20 144	21,9%
up to 3 years	5 390	-	5 390	0,0	0,0	-	0,0%
more than 3 years	86 611	-	106 755	0,0	0,0	20 144	23,3%
Past-due	3 990	-	3 748	0,0	0,0	-242	-6,1%
Past-due	3 990	-	3 748	0,0	0,0	-242	-6,1%
Provision for impairment of loans to individuals	-9 913	-	-19 971	0,0	0,0	-10 058	101,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	72 155	-	59 522	0,0	0,0	-12 633	-17,5%
Mandatory reserves with Central Bank	146	-	177	0,0	0,0	31	21,2%
Premises and equipment	40 563	-	27 829	0,0	0,0	-12 734	-31,4%
Purchase cost	44 227	-	31 521	0,0	0,0	-12 706	-28,7%
Depreciation	-3 664	-	-3 692	0,0	0,0	-28	0,8%
Accrued interest not yet received	-	-	1 185	-	-	1 185	-
Other assets	34 691	-	33 857	0,0	0,0	-834	-2,4%
Provision for impairment of other assets	-3 245	-	-3 526	0,0	0,0	-281	8,7%
LIABILITIES	101 742	-	99 318	0,0	0,0	-2 424	-2,4%
On demand	1 521	-	1 253	0,0	0,0	-268	-17,6%
Corporate clients	1 521	-	1 253	0,0	0,0	-268	-17,6%
Residents	1 521	-	1 253	0,0	0,0	-268	-17,6%
Term	95 000	-	95 000	0,0	0,0	-	0,0%
Corporate clients	95 000	-	95 000	0,0	0,0	-	0,0%
Residents	95 000	-	95 000	0,0	0,0	-	0,0%
more than 3 years	95 000	-	95 000	0,0	0,0	-	0,0%
Other liabilities	5 221	-	3 065	0,0	0,0	-2 156	-41,3%
Other liabilities	1 823	-	15	0,0	0,0	-1 808	-99,2%
Accrued interest not yet paid	3 398	-	3 050	0,0	0,0	-348	-10,2%
EQUITY	92 514	-	82 336	0,0	0,0	-10 178	-11,0%
Capital	167 417	-	167 417	0,0	0,0	-	0,0%
Profit from previous years	-48 158	-	-75 039	0,0	0,0	-26 881	55,8%
Retained earnings from previous years	-48 158	-	-75 039	0,0	0,0	-26 881	55,8%
Current year profit	-26 745	-	-10 042	0,0	0,0	16 703	-62,5%
Current year retained earnings	-26 745	-	-10 042	0,0	0,0	16 703	-62,5%
OFF-BALANCE SHEET	160 900	-	222 900	0,0	0,0	62 000	38,5%
Collateral on loans	160 900	-	222 900	0,0	0,0	62 000	38,5%
goods	160 900	-	222 900	0,0	0,0	62 000	38,5%
Past due ratio, total	412	-	321	0,0	0,0	-91	-22,1%
Past due ratio, individuals	416	-	323	0,0	0,0	-93	-22,4%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	297 684	-	284 402	0,0	0,0	-13 282	-4,5%