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

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	NST-BANK	add to comparison
Central Bank of Russia registration number: 1738 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.	01.10.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 071 251	13 123 249	1 867 731	6,3	7,0	-203 520	-9,8%
High liquid assets	445 335	2 658 671	170 974	6,0	1,4	-274 361	-61,6%
Cash and equivalents	336 949	1 700 747	169 000	5,0	0,9	-167 949	-49,8%
Cash	288 523	846 719	161 842	2,9	0,5	-126 681	-43,9%
in cash and en route	288 523	846 719	161 842	2,9	0,5	-126 681	-43,9%
Nostro account with Central Bank	48 426	854 028	7 158	17,6	0,5	-41 268	-85,2%
Nostro accounts	108 386	957 888	2 010	8,8	0,5	-106 376	-98,1%
Residents	108 386	957 888	2 010	8,8	0,5	-106 376	-98,1%
Provision for impairment of high-liquid assets	-	36	-36	-	-	-36	-
Interest-earning assets	933 349	874 153	633 936	0,9	0,5	-299 413	-32,1%
Dues from banks	669 000	819 000	-	1,2	0,4	-669 000	-100,0%
Residents	669 000	819 000	-	1,2	0,4	-669 000	-100,0%
up to 180 days	669 000	819 000	-	1,2	0,4	-669 000	-100,0%
Loans to corporate clients	178 918	408 557	548 132	2,3	0,2	369 214	206,4%
residents	189 096	386 080	562 760	2,0	0,2	373 664	197,6%
up to 30 days	1 890	2 851	2 230	1,5	0,0	340	18,0%
up to 1 year	109 553	380 428	480 580	3,5	0,2	371 027	338,7%
up to 3 years	64 952	2 801	67 401	0,0	0,0	2 449	3,8%
more than 3 years	12 701	152	12 549	0,0	0,0	-152	-1,2%
Past-due	17 106	7 181	24 131	0,4	0,0	7 025	41,1%
residents	17 106	7 181	24 131	0,4	0,0	7 025	41,1%
Provision for impairment of corporate loans	-27 284	23 059	-38 759	0,8	0,0	-11 475	42,1%
residents	-27 284	23 059	-38 759	0,8	0,0	-11 475	42,1%
Loans to private entrepreneurs	9 707	5 057	5 537	0,5	0,0	-4 170	-43,0%
up to 1 year	200	200	-	1,0	0,0	-200	-100,0%
up to 3 years	11 300	1 300	10 000	0,1	0,0	-1 300	-11,5%
more than 3 years	8 792	3 473	5 319	0,4	0,0	-3 473	-39,5%
Past-due	1 179	-	1 179	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-11 764	742	-10 961	0,1	0,0	803	-6,8%
Loans to individuals	75 724	15 440	80 267	0,2	0,0	4 543	6,0%
Standard	117 336	7 615	116 714	0,1	0,0	-622	-0,5%
up to 30 days	105	105	-	1,0	0,0	-105	-100,0%
up to 180 days	295	295	-	1,0	0,0	-295	-100,0%
up to 1 year	2 000	3 400	3 380	1,7	0,0	1 380	69,0%
up to 3 years	19 746	1 897	18 319	0,1	0,0	-1 427	-7,2%
more than 3 years	95 190	3 298	95 015	0,0	0,0	-175	-0,2%
Past-due	51 276	4 828	54 552	0,1	0,0	3 276	6,4%
Past-due	51 276	4 828	54 552	0,1	0,0	3 276	6,4%
Provision for impairment of loans to individuals	-92 888	5 298	-90 999	0,1	0,0	1 889	-2,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	692 567	9 960 679	1 062 821	14,4	5,3	370 254	53,5%
Mandatory reserves with Central Bank	8 856	242	8 750	0,0	0,0	-106	-1,2%
Premises and equipment	62 482	2 717	62 028	0,0	0,0	-454	-0,7%
Purchase cost	82 975	2 533	82 705	0,0	0,0	-270	-0,3%
Depreciation	-20 493	184	-20 677	0,0	0,0	-184	0,9%
Accrued interest not yet received	11 653	31 191	24 988	2,7	0,0	13 335	114,4%
Non-current assets	38 325	-	38 325	0,0	0,0	-	0,0%
Other assets	639 201	9 925 653	1 030 066	15,5	5,3	390 865	61,1%
Provision for impairment of other assets	-68 019	34 822	-101 405	0,5	0,0	-33 386	49,1%
Deferred tax asset	69	-	69	0,0	0,0	-	0,0%
LIABILITIES	1 856 522	10 572 036	1 662 942	5,7	5,7	-193 580	-10,4%
Dues to banks	29 071	54 462	9 904	1,9	0,0	-19 167	-65,9%
On demand	29 071	44 967	9 904	1,5	0,0	-19 167	-65,9%
Residents	29 071	44 967	9 904	1,5	0,0	-19 167	-65,9%
Other dues to banks	-	9 495	-	-	-	-	-
On demand	136 911	812 141	89 151	5,9	0,4	-47 760	-34,9%
Corporate clients	69 173	675 105	29 204	9,8	0,4	-39 969	-57,8%
State-owned enterprises	3	33	-	11,0	0,0	-3	-100,0%
Residents	69 170	674 987	29 204	9,8	0,4	-39 966	-57,8%
Non-residents	-	85	-	-	-	-	-
Individuals	67 738	137 036	59 947	2,0	0,1	-7 791	-11,5%
Residents	67 650	136 995	59 850	2,0	0,1	-7 800	-11,5%
Non-residents	88	50	97	0,6	0,0	9	10,2%
Term	1 548 953	74 409	1 537 174	0,0	0,0	-11 779	-0,8%
Corporate clients	300 434	-	300 434	0,0	0,0	-	0,0%
Residents	300 434	-	300 434	0,0	0,0	-	0,0%
more than 3 years	300 434	-	300 434	0,0	0,0	-	0,0%
Individuals	1 248 519	74 409	1 236 740	0,1	0,0	-11 779	-0,9%
residents	1 242 300	74 184	1 230 556	0,1	0,0	-11 744	-0,9%
up to 180 days	3 138	304	3 187	0,1	0,0	49	1,6%
up to 1 year	140 720	28 215	161 299	0,2	0,0	20 579	14,6%
up to 3 years	1 087 206	63 646	1 056 644	0,1	0,0	-30 562	-2,8%
more than 3 years	11 236	2 647	9 426	0,2	0,0	-1 810	-16,1%
non-residents	6 219	225	6 184	0,0	0,0	-35	-0,6%
up to 3 years	4 816	16	4 832	0,0	0,0	16	0,3%
more than 3 years	1 403	225	1 352	0,2	0,0	-51	-3,6%
Securities issued	-	100 516	-	-	-	-	-
Promissory notes	-	100 516	-	-	-	-	-
on demand	-	50 516	-	-	-	-	-
up to 30 days	-	50 000	-	-	-	-	-
Other liabilities	141 587	9 530 508	26 713	67,3	5,1	-114 874	-81,1%
Other liabilities	122 604	9 512 927	8 623	77,6	5,1	-113 981	-93,0%
Accrued interest not yet paid	14 812	17 581	13 919	1,2	0,0	-893	-6,0%
Deferred tax liabilities	4 171	-	4 171	0,0	0,0	-	0,0%
EQUITY	214 729	149 949	204 789	0,7	0,1	-9 940	-4,6%
Capital	178 040	-	178 040	0,0	0,0	-	0,0%
Profit from previous years	26 646	-	26 646	0,0	0,0	-	0,0%
Retained earnings from previous years	26 646	-	26 646	0,0	0,0	-	0,0%
Current year profit	11 315	149 807	1 196	13,2	0,1	-10 119	-89,4%
Current year retained earnings	11 315	149 807	1 196	13,2	0,1	-10 119	-89,4%
Future expenses	-1 272	321	-1 093	0,3	0,0	179	-14,1%
OFF-BALANCE SHEET	615 386	24 896	606 306	0,0	0,0	-9 080	-1,5%
Contingent liabilities	-9 988	7 644	-7 334	0,8	0,0	2 654	-26,6%
Guarantees issued	-1 721	922	-2 643	0,5	0,0	-922	53,6%
Unused credit limits opened	-8 267	7 644	-4 691	0,9	0,0	3 576	-43,3%
Collateral on loans	188 322	5 159	187 070	0,0	0,0	-1 252	-0,7%
goods	188 322	5 159	187 070	0,0	0,0	-1 252	-0,7%
Unprocessed payments	429 839	15 378	419 399	0,0	0,0	-10 440	-2,4%
Due to lack of funds on client accounts	429 839	15 378	419 399	0,0	0,0	-10 440	-2,4%
Other off-balance sheet accounts	7 213	621	7 171	0,1	0,0	-42	-0,6%
Accrued interest not yet received	7 824	621	7 782	0,1	0,0	-42	-0,5%
Written-off interest	-1	-	-1	0,0	0,0	-	0,0%
Written-off loans	-610	-	-610	0,0	0,0	-	0,0%
Credit card balances	105	105	-	1,0	0,0	-105	-100,0%
Past due ratio, total	1 755	-	1 031	0,0	0,0	-724	-41,3%
Past due ratio, individuals	3 041	-	3 185	0,0	0,0	144	4,7%
Past due ratio, corporates	830	-	411	0,0	0,0	-419	-50,5%
Past due ratio, entrepreneurs	549	-	715	0,0	0,0	166	30,2%
Past due ratio, corporates + entrepreneurs	803	-	419	0,0	0,0	-384	-47,8%