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

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	OBEDINENNIY NACIONALNIY BANK	add to comparison
Central Bank of Russia registration number: 2074

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.	01.09.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 127 670	26 740 043	1 057 978	23,7	25,3	-69 692	-6,2%
High liquid assets	576 355	21 743 004	378 461	37,7	20,6	-197 894	-34,3%
Cash and equivalents	490 061	20 417 970	257 931	41,7	19,3	-232 130	-47,4%
Cash	484 769	10 590 665	256 901	21,8	10,0	-227 868	-47,0%
in cash and en route	484 675	10 590 628	256 831	21,9	10,0	-227 844	-47,0%
in ATMs	94	37	70	0,4	0,0	-24	-25,5%
Nostro account with Central Bank	5 292	9 827 305	1 030	1 857,0	9,3	-4 262	-80,5%
Nostro accounts	56 061	838 579	83 583	15,0	0,8	27 522	49,1%
Non-residents	-	20 000	20 000	-	-	20 000	-
Residents	56 061	818 579	63 583	14,6	0,8	7 522	13,4%
Money in transfer	24 899	262 376	15 623	10,5	0,2	-9 276	-37,3%
Exchange accounts	5 518	261 946	22 719	47,5	0,2	17 201	311,7%
Provision for impairment of high-liquid assets	-184	6 856	-1 395	37,3	0,0	-1 211	658,2%
Interest-earning assets	272 462	4 243 360	422 165	15,6	4,0	149 703	54,9%
Dues from banks	115 519	4 216 687	350 698	36,5	4,0	235 179	203,6%
Residents	8 023	4 205 667	336 124	524,2	4,0	328 101	4 089,5%
up to 30 days	8 023	4 205 667	336 124	524,2	4,0	328 101	4 089,5%
Non-residents	111 069	100 755	21 312	0,9	0,1	-89 757	-80,8%
up to 30 days	18 000	3 524	21 312	0,2	0,0	3 312	18,4%
up to 180 days	93 069	100 543	-	1,1	0,1	-93 069	-100,0%
Loans past-due	13	14	14	1,1	0,0	1	7,7%
non-residents	13	14	14	1,1	0,0	1	7,7%
Provision for impairment of loans to banks	-3 586	3 174	-6 752	0,9	0,0	-3 166	88,3%
Securities	83 400	83 743	-	1,0	0,1	-83 400	-100,0%
Bonds	83 400	83 743	-	1,0	0,1	-83 400	-100,0%
Financial institutions bonds	82 280	82 623	-	1,0	0,1	-82 280	-100,0%
Valuation allowance	1 120	1 120	-	1,0	0,0	-1 120	-100,0%
Loans to corporate clients	62 962	22 132	61 609	0,4	0,0	-1 353	-2,1%
residents	70 086	21 113	68 453	0,3	0,0	-1 633	-2,3%
up to 180 days	40 000	19 480	40 000	0,5	0,0	-	0,0%
up to 1 year	133	133	-	1,0	0,0	-133	-100,0%
up to 3 years	29 950	1 500	28 450	0,1	0,0	-1 500	-5,0%
more than 3 years	3	-	3	0,0	0,0	-	0,0%
Past-due	14	5	9	0,4	0,0	-5	-35,7%
residents	14	5	9	0,4	0,0	-5	-35,7%
Provision for impairment of corporate loans	-7 138	1 294	-6 853	0,2	0,0	285	-4,0%
residents	-7 138	1 294	-6 853	0,2	0,0	285	-4,0%
Loans to individuals	10 581	6 274	9 858	0,6	0,0	-723	-6,8%
Standard	11 471	117	11 354	0,0	0,0	-117	-1,0%
up to 1 year	350	35	315	0,1	0,0	-35	-10,0%
up to 3 years	642	58	584	0,1	0,0	-58	-9,0%
more than 3 years	10 479	24	10 455	0,0	0,0	-24	-0,2%
Past-due	22 208	4 167	24 648	0,2	0,0	2 440	11,0%
Past-due	22 208	4 167	24 648	0,2	0,0	2 440	11,0%
Provision for impairment of loans to individuals	-23 098	4 430	-26 144	0,2	0,0	-3 046	13,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	278 853	903 382	257 352	3,2	0,9	-21 501	-7,7%
Mandatory reserves with Central Bank	47 474	13 514	33 960	0,3	0,0	-13 514	-28,5%
Premises and equipment	2 755	87 304	2 646	31,7	0,1	-109	-4,0%
Purchase cost	5 669	87 195	5 669	15,4	0,1	-	0,0%
Depreciation	-2 914	109	-3 023	0,0	0,0	-109	3,7%
Accrued interest not yet received	2 442	6 365	1 623	2,6	0,0	-819	-33,5%
Other assets	303 990	783 701	298 382	2,6	0,7	-5 608	-1,8%
Provision for impairment of other assets	-79 733	12 498	-81 184	0,2	0,0	-1 451	1,8%
Deferred tax asset	1 925	-	1 925	0,0	0,0	-	0,0%
LIABILITIES	731 760	9 213 158	666 127	12,6	8,7	-65 633	-9,0%
Dues to banks	12 039	202 492	4 443	16,8	0,2	-7 596	-63,1%
On demand	12 039	202 492	4 443	16,8	0,2	-7 596	-63,1%
Non-residents	12 039	202 492	4 443	16,8	0,2	-7 596	-63,1%
On demand	261 140	6 701 791	332 047	25,7	6,3	70 907	27,2%
Corporate clients	261 125	6 701 791	332 032	25,7	6,3	70 907	27,2%
Residents	261 058	6 694 551	331 965	25,6	6,3	70 907	27,2%
Non-residents	67	7 240	67	108,1	0,0	-	0,0%
Individuals	15	-	15	0,0	0,0	-	0,0%
Residents	15	-	15	0,0	0,0	-	0,0%
Term	412 970	375 302	290 361	0,9	0,4	-122 609	-29,7%
Corporate clients	412 970	375 302	290 361	0,9	0,4	-122 609	-29,7%
Residents	412 970	375 302	290 361	0,9	0,4	-122 609	-29,7%
up to 1 year	48 614	-	48 614	0,0	0,0	-	0,0%
more than 3 years	364 356	375 302	241 747	1,0	0,4	-122 609	-33,7%
Other liabilities	45 611	2 004 480	39 276	43,9	1,9	-6 335	-13,9%
Other liabilities	33 815	1 998 892	27 299	59,1	1,9	-6 516	-19,3%
Accrued interest not yet paid	11 796	5 769	11 977	0,5	0,0	181	1,5%
Deferred tax liabilities	-	-	-	-	-	-	-
EQUITY	395 910	80 170	391 851	0,2	0,1	-4 059	-1,0%
Capital	162 588	1 120	161 468	0,0	0,0	-1 120	-0,7%
Profit from previous years	185 386	-	185 386	0,0	0,0	-	0,0%
Retained earnings from previous years	185 386	-	185 386	0,0	0,0	-	0,0%
Current year profit	51 059	78 923	48 027	1,5	0,1	-3 032	-5,9%
Current year retained earnings	51 059	78 923	48 027	1,5	0,1	-3 032	-5,9%
Future expenses	-3 123	220	-3 030	0,1	0,0	93	-3,0%
OFF-BALANCE SHEET	109 890	25 458	111 542	0,2	0,0	1 652	1,5%
Contingent liabilities	-	19 480	-	-	-	-	-
Unused credit limits opened	-	19 480	-	-	-	-	-
Collateral on loans	94 159	3 397	93 920	0,0	0,0	-239	-0,3%
goods	94 159	3 397	90 762	0,0	0,0	-3 397	-3,6%
securities	-	3 158	3 158	-	-	3 158	-
Unprocessed payments	3 912	505	3 993	0,1	0,0	81	2,1%
Due to lack of funds on client accounts	3 912	505	3 993	0,1	0,0	81	2,1%
Other off-balance sheet accounts	11 819	2 076	13 629	0,2	0,0	1 810	15,3%
Accrued interest not yet received	14 962	2 076	16 772	0,1	0,0	1 810	12,1%
Written-off interest	-311	-	-311	0,0	0,0	-	0,0%
Written-off loans	-2 832	-	-2 832	0,0	0,0	-	0,0%
Past due ratio, total	2 141	-	2 360	0,0	0,0	219	10,2%
Past due ratio, individuals	6 594	-	6 846	0,0	0,0	252	3,8%
Past due ratio, corporates	2	-	1	0,0	0,0	-1	-50,0%
Past due ratio, corporates + entrepreneurs	2	-	1	0,0	0,0	-1	-50,0%
Risk-weighted assets	959 064	-	908 971	0,0	0,0	-50 093	-5,2%