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

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	OBRAZOVANIE	add to comparison
Central Bank of Russia registration number: 1521 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	928 516 561	1 313 303 514	808 453 156	803 683 293	-124 833 268	-13,4%
High liquid assets	397 259 258	540 443 601	335 801 677	319 604 495	-77 654 763	-19,5%
Cash and equivalents	63 473 136	87 249 214	60 069 673	54 528 472	-8 944 664	-14,1%
Cash	13 749 529	20 892 601	14 790 258	14 805 626	1 056 097	7,7%
in cash and en route	13 104 333	20 110 566	14 332 668	14 260 493	1 156 160	8,8%
in ATMs	645 196	782 035	457 590	545 133	-100 063	-15,5%
Nostro account with Central Bank	49 723 607	66 356 613	45 279 415	39 722 846	-10 000 761	-20,1%
Nostro accounts	17 844 198	23 614 577	16 510 926	25 834 951	7 990 753	44,8%
Non-residents	15 740 221	21 603 454	14 814 402	24 162 800	8 422 579	53,5%
Residents	2 103 977	2 011 123	1 696 524	1 672 151	-431 826	-20,5%
Money in transfer	105 582 000	111 660 091	60 447 090	68 729 809	-36 852 191	-34,9%
Exchange accounts	210 359 918	317 919 719	198 773 988	170 511 263	-39 848 655	-18,9%
Provision for impairment of high-liquid assets	6	-	-	-	-6	-100,0%
Interest-earning assets	162 811 186	182 677 046	91 029 743	92 897 128	-69 914 058	-42,9%
Dues from banks	19 696 245	27 588 458	32 519 969	26 303 454	6 607 209	33,5%
Central Bank of Russia	-	5 500 000	1 000 000	700 000	700 000	-
Residents	19 696 245	22 088 458	31 519 969	25 603 454	5 907 209	30,0%
up to 30 days	19 696 245	22 088 458	31 519 969	25 603 454	5 907 209	30,0%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	137 352 527	145 177 220	53 812 513	60 797 167	-76 555 360	-55,7%
Bonds	137 342 835	145 119 120	53 795 335	60 441 789	-76 901 046	-56,0%
Federal Loan Bonds (OFZs), OBRs	69 554 543	73 512 222	26 870 233	30 571 182	-38 983 361	-56,0%
Corporate bonds	173 890	136 348	18 187	16 950	-156 940	-90,3%
Financial institutions bonds	48 643	53 769	2 176	1 944	-46 699	-96,0%
Corporate foreign bonds	33 458	241	235	300	-33 158	-99,1%
Valuation allowance	93 164	190 766	157 127	88 663	-4 501	-4,8%
Pledged under REPO	67 439 137	71 225 774	26 747 377	29 762 750	-37 676 387	-55,9%
Promissory notes	9 692	58 100	13 450	13 404	3 712	38,3%
Corporate	9 692	58 100	-	-	-9 692	-100,0%
Banks	-	-	13 351	13 404	13 404	-
Provision for impairment of promissory notes	-	-	99	-	-	-
Stocks	-	-	3 728	-	-	-
Residents	-	-	-	-	-	-
Valuation allowance	-	-	3 728	-	-	-
Mutual funds	-	-	-	341 974	341 974	-
Loans to corporate clients	5 585 328	9 016 135	4 367 578	5 403 885	-181 443	-3,2%
residents	5 114 920	7 803 042	4 181 074	4 769 434	-345 486	-6,8%
up to 30 days	1 343 030	1 571 985	1 444 776	1 320 266	-22 764	-1,7%
up to 180 days	1 432 489	2 055 201	1 081 222	1 153 233	-279 256	-19,5%
up to 1 year	783 887	1 170 018	1 176 359	1 736 146	952 259	121,5%
up to 3 years	1 551 764	2 954 238	450 717	508 789	-1 042 975	-67,2%
more than 3 years	3 750	51 600	28 000	51 000	47 250	1 260,0%
non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
state-owned enterprises	700	27 521	9 570	-	-700	-100,0%
up to 1 year	-	27 521	9 570	-	-	-
up to 3 years	700	-	-	-	-700	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	10 871	9 744	25 119	8 834	-2 037	-18,7%
residents	10 871	9 744	23 619	8 834	-2 037	-18,7%
non-residents	-	-	1 500	-	-	-
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	458 837	1 175 828	151 815	625 617	166 780	36,3%
residents	454 615	1 171 547	151 682	625 426	170 811	37,6%
non-residents	-	-	-	-	-	-
state-owned enterprises	4 222	4 281	133	191	-4 031	-95,5%
Loans to private entrepreneurs	20 107	21 332	19 443	9 100	-11 007	-54,7%
up to 30 days	13 103	6 634	5 373	2 047	-11 056	-84,4%
up to 180 days	1 630	6 833	-	-	-1 630	-100,0%
up to 1 year	265	599	1 530	6 722	6 457	2 436,6%
up to 3 years	2 001	726	4 760	-	-2 001	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	15	2 000	5 093	-	-15	-100,0%
Provision for impairment of loans to private entrepreneurs	3 093	4 540	2 687	331	-2 762	-89,3%
Loans to individuals	156 979	873 901	310 240	383 522	226 543	144,3%
Standard	141 570	841 871	300 873	373 772	232 202	164,0%
up to 30 days	11 325	14 029	9 252	15 546	4 221	37,3%
up to 180 days	-	45 000	500	-	-	-
up to 1 year	2 500	506 250	-	7 500	5 000	200,0%
up to 3 years	6 622	88 843	15 786	24 926	18 304	276,4%
more than 3 years	121 123	187 749	275 335	325 800	204 677	169,0%
Past-due	2 554	2 055	3 211	1 980	-574	-22,5%
Past-due	2 554	2 055	3 211	1 980	-574	-22,5%
Provision for impairment of loans to individuals	12 855	29 975	6 156	7 770	-5 085	-39,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	368 446 117	590 182 867	381 621 736	391 181 670	22 735 553	6,2%
Mandatory reserves with Central Bank	-	3 488	11 469	13 662	13 662	-
Premises and equipment	22 109 217	22 482 227	24 671 956	28 260 893	6 151 676	27,8%
Purchase cost	22 092 709	22 481 824	24 671 538	28 259 247	6 166 538	27,9%
Depreciation	16 508	403	418	1 646	-14 862	-90,0%
Accrued interest not yet received	168 624	65 391	152 248	116 612	-52 012	-30,8%
Other assets	346 059 308	567 201 089	356 734 339	362 476 949	16 417 641	4,7%
Provision for impairment of other assets	108 799	430 664	51 724	313 554	204 755	188,2%
Derivatives - assets	169	8	-	-	-169	-100,0%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	413 252 957	581 286 185	338 606 415	353 368 256	-59 884 701	-14,5%
Dues to banks	88 348 877	92 736 603	49 199 431	57 147 442	-31 201 435	-35,3%
On demand	1 836 536	1 814 309	1 384 291	1 717 941	-118 595	-6,5%
Residents	1 836 536	1 814 309	1 384 291	1 717 941	-118 595	-6,5%
Term	86 076 555	90 506 917	47 542 037	55 138 022	-30 938 533	-35,9%
Residents	86 076 555	90 506 917	47 542 037	55 138 022	-30 938 533	-35,9%
up to 30 days	86 068 555	90 506 917	47 463 596	55 138 022	-30 930 533	-35,9%
more than 180 days	8 000	-	78 441	-	-8 000	-100,0%
Other dues to banks	435 786	415 377	273 103	291 479	-144 307	-33,1%
On demand	53 684 124	73 048 222	48 349 478	45 547 238	-8 136 886	-15,2%
Corporate clients	51 506 649	67 358 715	45 793 887	42 505 904	-9 000 745	-17,5%
State-owned enterprises	677 735	667 323	182 359	454 520	-223 215	-32,9%
Residents	50 343 123	66 432 115	45 531 325	42 051 384	-8 291 739	-16,5%
Non-residents	485 791	259 277	80 203	-	-485 791	-100,0%
Individuals	1 925 730	5 409 955	2 435 293	2 648 994	723 264	37,6%
Residents	1 875 025	5 347 246	2 368 568	2 648 952	773 927	41,3%
Non-residents	50 705	62 709	66 725	42	-50 663	-99,9%
Brokerage accounts	251 745	279 552	120 298	392 340	140 595	55,8%
Residents	251 743	279 548	120 297	392 337	140 594	55,8%
Non-residents	2	4	1	3	1	50,0%
Term	3 743 955	5 372 949	7 972 837	4 251 381	507 426	13,6%
Corporate clients	2 552 822	2 842 849	6 207 999	2 599 420	46 598	1,8%
Residents	2 542 822	2 842 549	6 202 999	2 595 920	53 098	2,1%
up to 30 days	1 977 225	1 944 319	5 269 860	1 861 687	-115 538	-5,8%
up to 180 days	332 745	755 298	762 853	531 044	198 299	59,6%
up to 1 year	159 296	46 384	37 894	76 922	-82 374	-51,7%
up to 3 years	34 804	23 535	102 662	69 863	35 059	100,7%
more than 3 years	38 752	73 013	29 730	56 404	17 652	45,6%
State-owned enterprises	10 000	300	5 000	3 500	-6 500	-65,0%
up to 30 days	-	300	-	3 500	3 500	-
up to 180 days	10 000	-	5 000	-	-10 000	-100,0%
Individuals	1 191 133	2 530 100	1 764 838	1 651 961	460 828	38,7%
residents	1 185 631	2 525 967	1 757 499	1 648 067	462 436	39,0%
up to 180 days	99 310	120 400	96 691	81 290	-18 020	-18,1%
up to 1 year	336 476	498 832	308 853	203 691	-132 785	-39,5%
up to 3 years	731 751	1 879 219	1 341 207	1 354 152	622 401	85,1%
more than 3 years	18 094	27 516	10 748	8 934	-9 160	-50,6%
non-residents	5 502	4 133	7 339	3 894	-1 608	-29,2%
up to 180 days	-	595	1 160	-	-	-
up to 1 year	1 157	223	2 861	139	-1 018	-88,0%
up to 3 years	4 345	3 315	3 318	3 755	-590	-13,6%
more than 3 years	-	-	-	-	-	-
Securities issued	516 611	1 030 344	653 507	183 447	-333 164	-64,5%
Bonds	-	562 009	-	-	-	-
Promissory notes	516 611	468 335	653 507	183 447	-333 164	-64,5%
on demand	242 861	10 100	311 472	6 200	-236 661	-97,4%
up to 180 days	230 000	264 151	306 383	81 970	-148 030	-64,4%
up to 1 year	17 861	8 300	100	2 800	-15 061	-84,3%
up to 3 years	24 950	182 175	35 130	89 821	64 871	260,0%
more than 3 years	-	-	-	-	-	-
Discount accrued	939	3 609	422	2 656	1 717	182,9%
Other liabilities	266 959 390	409 098 067	232 431 162	246 238 748	-20 720 642	-7,8%
Other liabilities	266 622 907	408 819 987	232 167 129	246 032 199	-20 590 708	-7,7%
Accrued interest not yet paid	336 322	278 074	264 033	206 549	-129 773	-38,6%
Derivatives - liabilities	161	6	-	-	-161	-100,0%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	3 298 278	9 736 538	136 579 960	3 353 987	55 709	1,7%
Capital	147 316	66 035	76 802	71 593	-75 723	-51,4%
Profit from previous years	-	-	68 521 042	115 922	115 922	-
Retained earnings from previous years	-	-	68 521 042	115 922	115 922	-
Current year profit	3 149 375	9 669 379	67 969 441	3 163 319	13 944	0,4%
Current year retained earnings	3 149 375	9 669 379	67 969 441	3 163 319	13 944	0,4%
Future expenses	1 587	1 124	12 675	3 153	1 566	98,7%
OFF-BALANCE SHEET	10 250 977	13 963 696	8 415 303	8 636 344	-1 614 633	-15,8%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	7 223 788	10 650 597	6 811 043	7 188 278	-35 510	-0,5%
Guarantees issued	972 993	1 443 566	2 012 580	1 745 190	772 197	79,4%
Unused credit limits opened	5 801 022	8 015 027	4 115 141	4 746 139	-1 054 883	-18,2%
Unused guarantee limits	449 773	1 192 004	683 322	696 949	247 176	55,0%
Collateral on loans	2 502 848	3 130 491	1 548 684	1 375 266	-1 127 582	-45,1%
goods	1 726 445	2 428 055	1 100 467	1 360 647	-365 798	-21,2%
securities	776 403	702 436	448 217	14 619	-761 784	-98,1%
Unprocessed payments	493 850	171 083	35 319	54 566	-439 284	-89,0%
Due to lack of funds on client accounts	493 850	171 083	35 319	54 566	-439 284	-89,0%
Other off-balance sheet accounts	30 491	11 525	20 257	18 234	-12 257	-40,2%
Accrued interest not yet received	29 882	11 500	20 165	18 203	-11 679	-39,1%
Written-off interest	-	-	-	-	-	-
Written-off loans	609	25	92	31	-578	-94,9%
Credit card balances	11 325	14 029	9 252	15 546	4 221	37,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-