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

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	GUTA-BANK	add to comparison
Central Bank of Russia registration number: 256 complies with 214-FZ (equity construction)

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	5 311 976	107 138 694	7 800 371	20,2	13,7	2 488 395	46,8%
High liquid assets	1 999 500	52 816 694	3 168 871	26,4	6,8	1 169 371	58,5%
Cash and equivalents	603 666	17 522 854	554 028	29,0	2,2	-49 638	-8,2%
Cash	559 492	818 909	490 525	1,5	0,1	-68 967	-12,3%
in cash and en route	354 718	556 507	342 149	1,6	0,1	-12 569	-3,5%
in ATMs	204 774	262 402	148 376	1,3	0,0	-56 398	-27,5%
Nostro account with Central Bank	44 174	16 723 274	63 503	378,6	2,1	19 329	43,8%
Nostro accounts	1 382 583	6 352 415	2 600 982	4,6	0,8	1 218 399	88,1%
Residents	1 382 583	6 352 415	2 600 982	4,6	0,8	1 218 399	88,1%
Money in transfer	14 863	28 991 061	15 495	1 950,6	3,7	632	4,3%
Provision for impairment of high-liquid assets	-1 612	24	-1 634	0,0	0,0	-22	1,4%
Interest-earning assets	2 361 279	25 050 678	4 119 809	10,6	3,2	1 758 530	74,5%
Dues from banks	1 238 926	24 608 742	2 687 087	19,9	3,2	1 448 161	116,9%
Central Bank of Russia	1 208 000	5 081 190	1 956 190	4,2	0,7	748 190	61,9%
Residents	31 000	19 527 552	730 971	629,9	2,5	699 971	2 258,0%
up to 30 days	31 000	19 527 552	730 971	629,9	2,5	699 971	2 258,0%
Provision for impairment of loans to banks	-74	-	-74	0,0	0,0	-	0,0%
Securities	671 663	8 945	667 126	0,0	0,0	-4 537	-0,7%
Bonds	671 663	8 945	667 126	0,0	0,0	-4 537	-0,7%
Federal Loan Bonds (OFZs), OBRs	33 259	1 106	32 341	0,0	0,0	-918	-2,8%
Corporate bonds	312 388	2 358	312 089	0,0	0,0	-299	-0,1%
Financial institutions bonds	356 995	2 161	359 156	0,0	0,0	2 161	0,6%
Valuation allowance	-30 979	5 481	-36 460	0,2	0,0	-5 481	17,7%
Pledged under REPO	-	-	-	-	-	-	-
Past-due	9 026	-	9 026	0,0	0,0	-	0,0%
Provision for impairment of bonds	-9 026	-	-9 026	0,0	0,0	-	0,0%
Loans to corporate clients	347 850	111 090	331 684	0,3	0,0	-16 166	-4,6%
residents	1 472 825	76 127	1 452 035	0,1	0,0	-20 790	-1,4%
up to 180 days	128 338	49 471	111 927	0,4	0,0	-16 411	-12,8%
up to 1 year	28 944	26 646	4 345	0,9	0,0	-24 599	-85,0%
up to 3 years	959 076	1 631	960 697	0,0	0,0	1 621	0,2%
more than 3 years	356 467	18 599	375 066	0,1	0,0	18 599	5,2%
Provision for impairment of corporate loans	-1 124 975	39 587	-1 120 351	0,0	0,0	4 624	-0,4%
residents	-1 124 975	39 587	-1 120 351	0,0	0,0	4 624	-0,4%
Loans to individuals	102 840	342 604	433 912	3,3	0,0	331 072	321,9%
Standard	103 068	6 304	106 445	0,1	0,0	3 377	3,3%
up to 30 days	24	2	23	0,1	0,0	-1	-4,2%
up to 180 days	200	50	150	0,3	0,0	-50	-25,0%
up to 1 year	731	448	1 101	0,6	0,0	370	50,6%
up to 3 years	16 124	1 755	16 710	0,1	0,0	586	3,6%
more than 3 years	85 989	4 100	88 461	0,0	0,0	2 472	2,9%
Past-due	519 215	3 972	517 684	0,0	0,0	-1 531	-0,3%
Past-due	519 215	3 972	517 684	0,0	0,0	-1 531	-0,3%
Provision for impairment of loans to individuals	-519 443	333 859	-190 217	0,6	0,0	329 226	-63,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	951 197	29 710 828	511 691	31,2	3,8	-439 506	-46,2%
Mandatory reserves with Central Bank	110 132	53 073	163 205	0,5	0,0	53 073	48,2%
Premises and equipment	159 922	9 799	169 176	0,1	0,0	9 254	5,8%
Purchase cost	396 521	6 730	408 834	0,0	0,0	12 313	3,1%
Depreciation	-236 599	3 069	-239 658	0,0	0,0	-3 059	1,3%
Accrued interest not yet received	1 077	19 533	2 778	18,1	0,0	1 701	157,9%
Other assets	1 278 617	29 624 622	792 182	23,2	3,8	-486 435	-38,0%
Provision for impairment of other assets	-602 857	52 810	-615 650	0,1	0,0	-12 793	2,1%
Derivatives - assets	4 306	5 765	-	1,3	0,0	-4 306	-100,0%
LIABILITIES	2 841 433	60 229 270	5 331 871	21,2	7,7	2 490 438	87,6%
Dues to banks	-	-	-	-	-	-	-
Term	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Other dues to banks	-	-	-	-	-	-	-
On demand	2 735 522	31 515 810	5 217 790	11,5	4,0	2 482 268	90,7%
Corporate clients	2 135 237	30 944 664	4 679 951	14,5	4,0	2 544 714	119,2%
Residents	2 115 536	30 426 458	4 647 756	14,4	3,9	2 532 220	119,7%
Non-residents	19 701	518 206	32 195	26,3	0,1	12 494	63,4%
Individuals	557 778	632 147	490 827	1,1	0,1	-66 951	-12,0%
Residents	553 829	625 229	489 198	1,1	0,1	-64 631	-11,7%
Non-residents	3 949	6 918	1 629	1,8	0,0	-2 320	-58,7%
Brokerage accounts	42 507	5 950	47 012	0,1	0,0	4 505	10,6%
Residents	42 494	5 950	47 000	0,1	0,0	4 506	10,6%
Non-residents	13	1	12	0,1	0,0	-1	-7,7%
Term	5 369	3	5 366	0,0	0,0	-3	-0,1%
Corporate clients	5 176	-	5 176	0,0	0,0	-	0,0%
Residents	5 176	-	5 176	0,0	0,0	-	0,0%
up to 1 year	5 176	-	5 176	0,0	0,0	-	0,0%
Individuals	193	3	190	0,0	0,0	-3	-1,6%
residents	193	3	190	0,0	0,0	-3	-1,6%
up to 1 year	115	3	112	0,0	0,0	-3	-2,6%
up to 3 years	24	-	24	0,0	0,0	-	0,0%
more than 3 years	54	-	54	0,0	0,0	-	0,0%
Other liabilities	100 542	28 713 460	108 715	285,6	3,7	8 173	8,1%
Other liabilities	100 542	28 712 001	108 715	285,6	3,7	8 173	8,1%
Derivatives - liabilities	-	1 459	-	-	-	-	-
EQUITY	2 470 543	13 678 946	2 468 500	5,5	1,8	-2 043	-0,1%
Capital	2 728 910	1	2 728 909	0,0	0,0	-1	-0,0%
Profit from previous years	511 071	6 778 878	-259 217	13,3	0,9	-770 288	-150,7%
Retained earnings from previous years	511 071	6 778 878	-259 217	13,3	0,9	-770 288	-150,7%
Current year profit	-769 438	7 668 313	-1 192	10,0	1,0	768 246	-99,8%
Current year retained earnings	-769 438	7 668 313	-1 192	10,0	1,0	768 246	-99,8%
OFF-BALANCE SHEET	-3 004 500	77 126	-3 030 308	0,0	0,0	-25 808	0,9%
Contingent liabilities	-669 843	76 236	-689 516	0,1	0,0	-19 673	2,9%
Unused credit limits opened	-669 843	76 236	-689 516	0,1	0,0	-19 673	2,9%
Collateral on loans	118 006	-	118 006	0,0	0,0	-	0,0%
goods	54 544	-	54 544	0,0	0,0	-	0,0%
securities	63 462	-	63 462	0,0	0,0	-	0,0%
Unprocessed payments	12	51	63	4,3	0,0	51	425,0%
Due to lack of funds on client accounts	12	51	63	4,3	0,0	51	425,0%
Other off-balance sheet accounts	-2 452 675	7 076	-2 458 861	0,0	0,0	-6 186	0,3%
Written-off interest	-525 779	1 442	-527 019	0,0	0,0	-1 240	0,2%
Written-off loans	-1 926 896	5 634	-1 931 842	0,0	0,0	-4 946	0,3%
Credit card balances	24	2	23	0,1	0,0	-1	-4,2%
Past due ratio, total	2 478	-	2 493	0,0	0,0	15	0,6%
Past due ratio, individuals	8 344	-	8 295	0,0	0,0	-49	-0,6%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	4 204 215	-	5 539 607	0,0	0,0	1 335 392	31,8%