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

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	GORBANK	add to comparison
Central Bank of Russia registration number: 2982 retail funding, 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	6 061 872	8 854 037	5 949 439	1,5	1,5	-112 433	-1,9%
High liquid assets	203 681	4 973 861	201 653	24,4	0,8	-2 028	-1,0%
Cash and equivalents	131 641	4 726 112	135 002	35,9	0,8	3 361	2,6%
Cash	48 051	537 348	35 012	11,2	0,1	-13 039	-27,1%
in cash and en route	30 669	504 833	22 245	16,5	0,1	-8 424	-27,5%
in ATMs	17 382	32 515	12 767	1,9	0,0	-4 615	-26,6%
Nostro account with Central Bank	83 590	4 201 803	99 990	50,3	0,7	16 400	19,6%
Nostro accounts	52 697	91 358	47 011	1,7	0,0	-5 686	-10,8%
Residents	52 697	91 358	47 011	1,7	0,0	-5 686	-10,8%
Money in transfer	19 395	159 803	19 692	8,2	0,0	297	1,5%
Provision for impairment of high-liquid assets	-52	246	-52	4,7	0,0	-	0,0%
Interest-earning assets	5 141 239	3 695 434	5 021 442	0,7	0,6	-119 797	-2,3%
Dues from banks	2 464 600	3 520 033	2 389 567	1,4	0,6	-75 033	-3,0%
Central Bank of Russia	465 000	1 290 000	280 000	2,8	0,2	-185 000	-39,8%
Residents	2 000 000	2 340 000	2 110 000	1,2	0,4	110 000	5,5%
up to 30 days	-	2 340 000	110 000	-	-	110 000	-
up to 180 days	2 000 000	-	2 000 000	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-400	33	-433	0,1	0,0	-33	8,3%
Securities	1 709 186	20 824	1 697 398	0,0	0,0	-11 788	-0,7%
Bonds	1 709 186	20 824	1 697 398	0,0	0,0	-11 788	-0,7%
Corporate bonds	526 782	5 875	523 725	0,0	0,0	-3 057	-0,6%
Financial institutions bonds	1 186 523	14 917	1 177 770	0,0	0,0	-8 753	-0,7%
Provision for impairment of bonds	-4 119	54	-4 097	0,0	0,0	22	-0,5%
Loans to corporate clients	954 226	152 246	923 364	0,2	0,0	-30 862	-3,2%
residents	1 138 775	121 609	1 107 066	0,1	0,0	-31 709	-2,8%
up to 30 days	30 000	81 800	55 000	2,7	0,0	25 000	83,3%
up to 180 days	-	5 000	5 000	-	-	5 000	-
up to 1 year	463 301	4 662	460 739	0,0	0,0	-2 562	-0,6%
up to 3 years	414 144	57 147	357 997	0,1	0,0	-56 147	-13,6%
more than 3 years	231 330	3 000	228 330	0,0	0,0	-3 000	-1,3%
Past-due	2	5	4	2,5	0,0	2	100,0%
residents	2	5	4	2,5	0,0	2	100,0%
Provision for impairment of corporate loans	-184 551	31 480	-183 706	0,2	0,0	845	-0,5%
residents	-184 551	31 480	-183 706	0,2	0,0	845	-0,5%
Loans to individuals	13 227	2 331	11 113	0,2	0,0	-2 114	-16,0%
Standard	17 734	366	17 368	0,0	0,0	-366	-2,1%
up to 3 years	200	-	200	0,0	0,0	-	0,0%
more than 3 years	17 534	366	17 168	0,0	0,0	-366	-2,1%
Past-due	5	5	7	1,0	0,0	2	40,0%
Past-due	5	5	7	1,0	0,0	2	40,0%
Provision for impairment of loans to individuals	-4 512	1 962	-6 262	0,4	0,0	-1 750	38,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	716 952	194 134	726 344	0,3	0,0	9 392	1,3%
Mandatory reserves with Central Bank	19 829	678	20 507	0,0	0,0	678	3,4%
Premises and equipment	722 163	2 538	722 568	0,0	0,0	405	0,1%
Purchase cost	918 247	2 282	919 632	0,0	0,0	1 385	0,2%
Depreciation	-196 084	1 236	-197 064	0,0	0,0	-980	0,5%
Accrued interest not yet received	14 872	24 636	29 377	1,7	0,0	14 505	97,5%
Other assets	16 356	139 272	15 973	8,5	0,0	-383	-2,3%
Provision for impairment of other assets	-56 268	33 206	-62 081	0,6	0,0	-5 813	10,3%
LIABILITIES	3 196 615	1 570 577	3 076 628	0,5	0,3	-119 987	-3,8%
Dues to banks	-	119	-	-	-	-	-
Other dues to banks	-	119	-	-	-	-	-
On demand	548 051	1 257 163	515 915	2,3	0,2	-32 136	-5,9%
Corporate clients	332 682	1 073 662	319 488	3,2	0,2	-13 194	-4,0%
Residents	332 682	1 068 511	319 488	3,2	0,2	-13 194	-4,0%
Non-residents	-	5 151	-	-	-	-	-
Individuals	215 369	183 501	196 427	0,9	0,0	-18 942	-8,8%
Residents	209 454	176 708	190 614	0,8	0,0	-18 840	-9,0%
Non-residents	5 915	6 793	5 813	1,1	0,0	-102	-1,7%
Term	2 595 393	127 798	2 504 337	0,0	0,0	-91 056	-3,5%
Corporate clients	390 000	90 000	300 000	0,2	0,0	-90 000	-23,1%
Residents	390 000	90 000	300 000	0,2	0,0	-90 000	-23,1%
up to 30 days	90 000	90 000	-	1,0	0,0	-90 000	-100,0%
up to 180 days	300 000	-	300 000	0,0	0,0	-	0,0%
up to 3 years	-	-	-	-	-	-	-
Individuals	2 205 393	37 798	2 204 337	0,0	0,0	-1 056	-0,0%
residents	2 205 393	37 798	2 204 337	0,0	0,0	-1 056	-0,0%
up to 180 days	1 100	1 666	1 666	1,5	0,0	566	51,5%
up to 1 year	39 381	26 514	37 759	0,7	0,0	-1 622	-4,1%
up to 3 years	142 478	10 184	142 478	0,1	0,0	-	0,0%
more than 3 years	2 022 434	-	2 022 434	0,0	0,0	-	0,0%
Other liabilities	53 171	188 702	56 376	3,5	0,0	3 205	6,0%
Other liabilities	8 373	175 683	11 714	21,0	0,0	3 341	39,9%
Accrued interest not yet paid	2 847	13 155	2 711	4,6	0,0	-136	-4,8%
Deferred tax liabilities	41 951	-	41 951	0,0	0,0	-	0,0%
EQUITY	2 865 257	3 000 634	2 872 811	1,0	0,5	7 554	0,3%
Capital	1 224 278	-	1 224 278	0,0	0,0	-	0,0%
Profit from previous years	1 544 882	1 496 983	1 639 072	1,0	0,3	94 190	6,1%
Retained earnings from previous years	1 544 882	1 496 983	1 639 072	1,0	0,3	94 190	6,1%
Current year profit	96 097	1 590 287	9 461	16,5	0,3	-86 636	-90,2%
Current year retained earnings	96 097	1 590 287	9 461	16,5	0,3	-86 636	-90,2%
OFF-BALANCE SHEET	893 758	322 800	874 841	0,4	0,1	-18 917	-2,1%
Contingent liabilities	-281 468	132 283	-300 046	0,5	0,0	-18 578	6,6%
Guarantees issued	-231 514	24 183	-251 092	0,1	0,0	-19 578	8,5%
Unused credit limits opened	-49 954	109 100	-48 954	2,2	0,0	1 000	-2,0%
Collateral on loans	1 174 318	190 096	1 174 318	0,2	0,0	-	0,0%
goods	1 174 318	190 096	1 174 318	0,2	0,0	-	0,0%
Unprocessed payments	1 026	421	687	0,4	0,0	-339	-33,0%
Due to lack of funds on client accounts	1 026	421	687	0,4	0,0	-339	-33,0%
Other off-balance sheet accounts	-118	-	-118	0,0	0,0	-	0,0%
Written-off loans	-118	-	-118	0,0	0,0	-	0,0%
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, individuals	3	-	4	0,0	0,0	1	33,3%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	4 516 772	-	4 512 648	0,0	0,0	-4 124	-0,1%