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

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Central Bank of Russia registration number: 323 under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	4 827 358 077	4 197 843 995	3 564 509 720	3 230 104 980	-1 597 253 097	-33,1%
High liquid assets	2 438 072 256	2 233 745 762	1 821 804 839	1 277 149 002	-1 160 923 254	-47,6%
Cash and equivalents	1 936 560 461	1 550 975 456	1 072 584 899	1 030 876 862	-905 683 599	-46,8%
Cash	183 770 166	204 064 155	188 004 059	200 716 458	16 946 292	9,2%
in cash and en route	159 250 111	176 875 463	161 733 151	170 985 520	11 735 409	7,4%
in ATMs	24 500 717	27 169 774	26 226 043	29 710 469	5 209 752	21,3%
precious metals	19 338	18 918	44 865	20 469	1 131	5,8%
Nostro account with Central Bank	1 752 790 295	1 346 911 301	884 580 840	830 160 404	-922 629 891	-52,6%
Nostro accounts	82 810 774	205 203 705	98 350 297	78 643 644	-4 167 130	-5,0%
Non-residents	77 466 760	89 254 335	85 210 355	65 787 735	-11 679 025	-15,1%
Residents	5 344 014	115 949 370	13 139 942	12 855 909	7 511 895	140,6%
Money in transfer	138 213 805	140 378 165	277 895 739	135 328 641	-2 885 164	-2,1%
Exchange accounts	280 481 756	337 183 757	372 937 861	32 280 327	-248 201 429	-88,5%
Provision for impairment of high-liquid assets	5 460	4 679	36 043	19 528	14 068	257,7%
Interest-earning assets	1 580 799 901	1 058 593 258	807 733 891	638 579 768	-942 220 133	-59,6%
Dues from banks	1 546 100 467	1 026 119 176	631 098 482	576 009 814	-970 090 653	-62,7%
Central Bank of Russia	1 524 000 000	937 030 670	618 000 000	525 000 000	-999 000 000	-65,6%
Residents	13 680 793	73 085 990	4 998 451	42 206 478	28 525 685	208,5%
up to 30 days	13 680 793	13 085 990	4 844 165	2 204 552	-11 476 241	-83,9%
up to 180 days	-	60 000 000	154 286	40 001 926	40 001 926	-
Non-residents	8 419 674	16 002 516	8 100 031	8 803 336	383 662	4,6%
up to 30 days	8 419 674	16 002 516	8 100 031	8 803 336	383 662	4,6%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	8 447 715	8 532 988	131 924 050	24 455 973	16 008 258	189,5%
Bonds	5 409 299	6 342 305	127 186 087	12 186 450	6 777 151	125,3%
Federal Loan Bonds (OFZs), OBRs	1 097 949	465 704	34 452 808	185	-1 097 764	-100,0%
Corporate bonds	94 627	1 724 534	96 077	3 599 640	3 505 013	3 704,0%
Financial institutions bonds	269 560	151 968	83 172	338 371	68 811	25,5%
Corporate foreign bonds	2 591 992	2 844 335	44 606 511	5 080 196	2 488 204	96,0%
Valuation allowance	734 206	745 151	1 141 943	619 713	-114 493	-15,6%
Pledged under REPO	33 446	23 182	45 139 598	2 058 728	2 025 282	6 055,4%
Past-due	289 918	387 431	1 086 185	489 617	199 699	68,9%
Provision for impairment of bonds	297 601	-	579 793	-	-297 601	-100,0%
Stocks	3 038 416	2 190 683	4 737 963	3 517 456	479 040	15,8%
Residents	1 243	276	533 843	895 187	893 944	71 918,3%
Valuation allowance	3 036 893	2 190 291	4 198 058	834 952	-2 201 941	-72,5%
Provision for impairment of stocks	280	116	6 062	1 787 317	1 787 037	638 227,5%
Mutual funds	-	-	-	8 752 067	8 752 067	-
Loans to corporate clients	21 802 153	18 159 893	39 151 902	32 231 465	10 429 312	47,8%
residents	13 970 145	14 523 750	31 855 004	24 845 770	10 875 625	77,8%
up to 30 days	6 152 003	2 937 320	2 673 860	2 527 531	-3 624 472	-58,9%
up to 180 days	3 051 682	5 557 242	27 198 768	15 947 601	12 895 919	422,6%
up to 1 year	911 277	1 678 522	1 239 720	1 244 359	333 082	36,6%
up to 3 years	162 556	2 459 479	77 012	309 471	146 915	90,4%
more than 3 years	3 692 627	1 891 187	665 644	4 816 808	1 124 181	30,4%
non-residents	205 082	146 623	185 003	192 743	-12 339	-6,0%
up to 30 days	105 295	136 382	173 083	176 367	71 072	67,5%
up to 1 year	90 000	-	-	-	-90 000	-100,0%
up to 3 years	9 787	10 241	11 920	16 376	6 589	67,3%
state-owned enterprises	3 651 315	2 587 843	1 600 087	5 396 271	1 744 956	47,8%
up to 180 days	-	-	-	5 000	5 000	-
up to 1 year	-	-	1 500 000	2 000 000	2 000 000	-
up to 3 years	-	-	-	-	-	-
more than 3 years	3 651 315	2 587 843	100 087	3 391 271	-260 044	-7,1%
Past-due	3 334 546	200 858	240 921	181 763	-3 152 783	-94,5%
residents	1 882 257	192 460	230 659	170 400	-1 711 857	-90,9%
non-residents	1 447 685	2 245	2 612	3 588	-1 444 097	-99,8%
state-owned enterprises	4 604	6 153	7 650	7 775	3 171	68,9%
Provision for impairment of corporate loans	641 065	700 819	5 270 887	1 614 918	973 853	151,9%
residents	596 410	622 047	5 242 106	1 477 448	881 038	147,7%
non-residents	41 423	56 491	15 375	117 730	76 307	184,2%
state-owned enterprises	3 232	22 281	13 406	19 740	16 508	510,8%
Loans to private entrepreneurs	432 167	498 646	598 405	567 906	135 739	31,4%
up to 30 days	136 342	159 958	126 719	132 313	-4 029	-3,0%
up to 180 days	115 663	113 031	111 240	116 411	748	0,6%
up to 1 year	2 700	5 700	16 200	1 600	-1 100	-40,7%
up to 3 years	37 670	2 500	15 800	42 475	4 805	12,8%
more than 3 years	96 942	149 756	298 740	125 898	28 956	29,9%
Past-due	9 079	18 269	8 137	3 088	-5 991	-66,0%
Provision for impairment of loans to private entrepreneurs	33 771	49 432	21 569	146 121	112 350	332,7%
Loans to individuals	4 017 399	5 282 555	4 961 052	5 314 610	1 297 211	32,3%
Standard	3 272 522	4 204 379	4 294 050	3 740 852	468 330	14,3%
up to 30 days	834 559	951 907	919 464	894 287	59 728	7,2%
up to 1 year	23 975	24 713	23 426	24 647	672	2,8%
up to 3 years	259 058	253 292	225 095	217 032	-42 026	-16,2%
more than 3 years	2 154 930	2 974 467	3 126 065	2 604 886	449 956	20,9%
Past-due	201 690	381 022	309 473	383 266	181 576	90,0%
Past-due	201 690	381 022	309 473	383 266	181 576	90,0%
Provision for impairment of loans to individuals	543 187	697 154	357 529	1 190 492	647 305	119,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	808 485 920	905 504 975	934 970 990	1 314 376 210	505 890 290	62,6%
Mandatory reserves with Central Bank	155 758	19 832	-	-	-155 758	-100,0%
Premises and equipment	5 139 395	8 274 188	79 618 309	24 146 678	19 007 283	369,8%
Purchase cost	5 081 718	8 187 515	79 469 206	21 089 791	16 008 073	315,0%
Depreciation	57 677	86 673	149 103	3 056 887	2 999 210	5 200,0%
Accrued interest not yet received	3 086 740	2 633 990	3 140 312	2 472 177	-614 563	-19,9%
Factoring	505 420	471 105	455 836	11 077	-494 343	-97,8%
Other assets	796 059 869	890 993 379	834 158 957	1 282 016 501	485 956 632	61,0%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	3 537 900	3 106 043	17 596 442	5 729 777	2 191 877	62,0%
Derivatives - assets	838	6 438	1 134	-	-838	-100,0%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	1 303 880 682	1 433 356 489	1 475 284 867	1 096 874 312	-207 006 370	-15,9%
Dues to banks	150 371 034	177 997 900	229 141 345	189 545 870	39 174 836	26,1%
On demand	87 256 263	99 981 057	104 336 973	97 284 061	10 027 798	11,5%
Residents	82 676 144	94 733 863	99 632 974	93 075 131	10 398 987	12,6%
Non-residents	4 580 119	5 247 194	4 703 999	4 208 930	-371 189	-8,1%
Term	62 207 619	75 871 140	123 194 443	90 519 744	28 312 125	45,5%
Residents	62 110 550	75 560 968	123 171 094	89 818 195	27 707 645	44,6%
up to 30 days	62 110 550	75 560 968	123 171 094	89 818 195	27 707 645	44,6%
Non-residents	97 069	310 172	23 349	701 549	604 480	622,7%
up to 30 days	282	246 851	-	-	-282	-100,0%
up to 180 days	-	-	2 507	153 705	153 705	-
more than 180 days	96 787	63 321	20 842	547 844	451 057	466,0%
Other dues to banks	907 152	2 145 703	1 609 929	1 742 065	834 913	92,0%
On demand	231 494 676	273 916 100	238 197 761	311 328 490	79 833 814	34,5%
Corporate clients	193 001 739	231 967 712	196 129 912	268 615 253	75 613 514	39,2%
State-owned enterprises	5 096 233	7 043 812	1 588 052	4 954 968	-141 265	-2,8%
Residents	184 561 937	219 256 440	192 561 418	250 571 465	66 009 528	35,8%
Non-residents	3 343 569	5 667 460	1 980 442	13 088 820	9 745 251	291,5%
Individuals	35 863 846	39 273 473	39 247 101	40 742 523	4 878 677	13,6%
Residents	34 965 093	38 458 264	38 550 591	39 930 192	4 965 099	14,2%
Non-residents	898 753	815 209	696 510	812 331	-86 422	-9,6%
Brokerage accounts	2 629 091	2 674 915	2 820 748	1 970 714	-658 377	-25,0%
Residents	2 618 667	2 674 768	2 819 380	1 968 677	-649 990	-24,8%
Non-residents	10 424	147	1 368	2 037	-8 387	-80,5%
Term	63 841 139	75 596 778	77 696 630	82 118 867	18 277 728	28,6%
Corporate clients	17 664 997	29 576 634	20 747 131	26 255 304	8 590 307	48,6%
Residents	15 847 579	28 640 804	20 032 583	25 827 096	9 979 517	63,0%
up to 30 days	11 438 229	17 257 201	12 103 042	18 354 998	6 916 769	60,5%
up to 180 days	3 988 124	7 891 895	7 184 065	6 802 843	2 814 719	70,6%
up to 1 year	363 992	2 930 233	694 613	583 563	219 571	60,3%
up to 3 years	55 412	559 368	49 806	81 862	26 450	47,7%
more than 3 years	1 822	2 107	1 057	3 830	2 008	110,2%
Non-residents	854 188	573 008	502 348	215 008	-639 180	-74,8%
up to 30 days	-	-	-	-	-	-
up to 180 days	7 919	95 528	3 388	2 248	-5 671	-71,6%
up to 1 year	-	-	-	-	-	-
more than 3 years	846 269	477 480	498 960	212 760	-633 509	-74,9%
State-owned enterprises	963 230	362 822	212 200	213 200	-750 030	-77,9%
up to 30 days	50 775	82 300	52 100	14 900	-35 875	-70,7%
up to 180 days	912 001	279 500	160 000	196 300	-715 701	-78,5%
up to 1 year	-	-	-	2 000	2 000	-
up to 3 years	454	1 022	100	-	-454	-100,0%
Individuals	46 176 142	46 020 144	56 949 499	55 863 563	9 687 421	21,0%
residents	45 536 636	45 439 818	56 330 303	55 393 439	9 856 803	21,6%
up to 30 days	-	-	-	-	-	-
up to 180 days	5 295 055	4 751 852	6 970 186	6 830 290	1 535 235	29,0%
up to 1 year	19 288 821	16 415 988	21 773 002	17 632 129	-1 656 692	-8,6%
up to 3 years	20 403 122	23 479 567	27 042 715	30 436 017	10 032 895	49,2%
more than 3 years	549 638	792 411	544 400	495 003	-54 635	-9,9%
non-residents	639 506	580 326	619 196	470 124	-169 382	-26,5%
up to 180 days	48 953	36 541	65 725	37 967	-10 986	-22,4%
up to 1 year	91 272	105 842	115 396	108 129	16 857	18,5%
up to 3 years	490 458	434 630	433 977	318 234	-172 224	-35,1%
more than 3 years	8 823	3 313	4 098	5 794	-3 029	-34,3%
Securities issued	27 034 435	301 991	731 478	257 609	-26 776 826	-99,0%
Bonds	23 084 287	-	-	218 556	-22 865 731	-99,1%
Promissory notes	3 950 148	301 991	731 478	39 053	-3 911 095	-99,0%
on demand	2 615 326	266 746	474 200	16 653	-2 598 673	-99,4%
up to 180 days	64 860	-	-	-	-64 860	-100,0%
up to 1 year	-	-	-	20 273	20 273	-
up to 3 years	1 269 962	35 245	210 078	2 127	-1 267 835	-99,8%
more than 3 years	-	-	47 200	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	831 139 398	905 543 720	929 517 653	513 623 476	-317 515 922	-38,2%
Other liabilities	824 580 494	902 657 835	926 443 368	510 671 509	-313 908 985	-38,1%
Accrued interest not yet paid	6 557 141	2 878 820	2 461 389	2 951 967	-3 605 174	-55,0%
Derivatives - liabilities	1 763	7 065	1 281	-	-1 763	-100,0%
Deferred tax liabilities	-	-	611 615	-	-	-
EQUITY	33 267 232	31 585 662	52 878 373	2 381 741 311	2 348 474 079	7 059,4%
Capital	3 941 154	5 980 355	4 897 704	4 494 710	553 556	14,0%
Profit from previous years	-	-	-	1 737 171 625	1 737 171 625	-
Retained earnings from previous years	-	-	-	1 737 171 625	1 737 171 625	-
Current year profit	29 305 552	25 561 239	47 923 766	640 051 521	610 745 969	2 084,1%
Current year retained earnings	29 305 552	25 561 239	47 923 766	640 051 521	610 745 969	2 084,1%
Future expenses	20 526	44 068	56 903	23 455	2 929	14,3%
OFF-BALANCE SHEET	43 093 863	55 971 552	48 105 168	68 775 242	25 681 379	59,6%
Contingent liabilities	18 243 003	34 290 575	27 520 309	51 158 899	32 915 896	180,4%
Guarantees issued	1 834 643	4 215 270	3 596 858	6 617 792	4 783 149	260,7%
Unused credit limits opened	11 790 965	21 025 890	16 342 931	32 726 572	20 935 607	177,6%
Unused guarantee limits	4 617 395	9 049 415	7 580 520	11 814 535	7 197 140	155,9%
Collateral on loans	17 386 250	12 834 037	11 385 047	8 361 180	-9 025 070	-51,9%
goods	16 747 721	12 288 235	10 430 097	7 576 302	-9 171 419	-54,8%
securities	638 529	545 802	954 950	784 878	146 349	22,9%
Unprocessed payments	6 804 743	8 189 013	8 752 301	8 760 283	1 955 540	28,7%
Due to lack of funds on client accounts	6 804 743	8 189 013	8 752 301	8 760 283	1 955 540	28,7%
Other off-balance sheet accounts	659 867	657 927	447 511	494 880	-164 987	-25,0%
Accrued interest not yet received	545 478	483 360	327 867	330 145	-215 333	-39,5%
Written-off interest	32 322	45 747	53 445	62 669	30 347	93,9%
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	82 067	128 820	66 199	102 066	19 999	24,4%
Credit card balances	834 559	951 907	919 464	894 287	59 728	7,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-