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

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	BANK ZENIT	add to comparison
Central Bank of Russia registration number: 3255 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	2 858 861 412	3 207 776 808	3 310 287 294	1 934 534 390	-924 327 022	-32,3%
High liquid assets	1 077 276 732	1 191 609 887	1 339 824 684	791 723 810	-285 552 922	-26,5%
Cash and equivalents	408 396 558	444 449 425	594 435 903	346 376 689	-62 019 869	-15,2%
Cash	36 682 562	34 813 121	44 269 127	33 752 016	-2 930 546	-8,0%
in cash and en route	33 996 548	32 147 774	40 871 511	31 039 230	-2 957 318	-8,7%
in ATMs	2 686 014	2 665 347	3 397 616	2 712 786	26 772	1,0%
Nostro account with Central Bank	371 713 996	409 636 304	550 166 776	312 624 673	-59 089 323	-15,9%
Nostro accounts	118 502 272	120 802 793	114 071 139	98 206 728	-20 295 544	-17,1%
Non-residents	108 810 634	108 592 947	98 259 170	90 748 387	-18 062 247	-16,6%
Residents	9 691 638	12 209 846	15 811 969	7 458 341	-2 233 297	-23,0%
Money in transfer	550 376 302	626 354 919	631 315 497	347 135 344	-203 240 958	-36,9%
Provision for impairment of high-liquid assets	1 600	2 750	2 145	5 049	3 449	215,6%
Interest-earning assets	499 126 763	566 512 572	583 980 958	311 744 508	-187 382 255	-37,5%
Dues from banks	69 626 049	117 501 035	127 960 826	132 385 373	62 759 324	90,1%
Central Bank of Russia	-	-	7 000 000	16 500 000	16 500 000	-
Residents	68 598 055	116 761 809	120 777 659	114 841 084	46 243 029	67,4%
up to 30 days	68 488 946	116 303 967	117 660 802	114 613 600	46 124 654	67,3%
more than 180 days	109 109	457 842	3 116 857	227 484	118 375	108,5%
Non-residents	1 013 919	731 097	129 912	1 031 371	17 452	1,7%
up to 30 days	98 165	121 785	43 738	28 850	-69 315	-70,6%
up to 180 days	455 741	501 537	47 382	954 917	499 176	109,5%
more than 180 days	460 013	107 775	38 792	47 604	-412 409	-89,7%
Loans past-due	132	16	78	36	-96	-72,7%
non-residents	123	4	63	27	-96	-78,0%
residents	9	12	15	9	-	0,0%
Provision for impairment of loans to banks	13 943	8 113	53 177	12 882	-1 061	-7,6%
Securities	409 546 229	433 820 605	429 827 254	167 228 003	-242 318 226	-59,2%
Bonds	409 231 001	433 156 133	429 287 844	166 529 442	-242 701 559	-59,3%
Federal Loan Bonds (OFZs), OBRs	45 835 380	58 383 499	55 143 049	53 368 591	7 533 211	16,4%
Corporate bonds	82 666 888	68 444 093	80 277 013	2 296 343	-80 370 545	-97,2%
Financial institutions bonds	13 230 268	11 436 227	7 280 287	537 272	-12 692 996	-95,9%
Foreign sovereign bonds	2 824 554	3 617 017	2 944 048	61 030	-2 763 524	-97,8%
Corporate foreign bonds	65 011 149	76 127 914	70 712 240	35 994 847	-29 016 302	-44,6%
Foreign financial institutions bonds	71 017	-	-	-	-71 017	-100,0%
Valuation allowance	642 726	776 370	972 412	933 213	290 487	45,2%
Pledged under REPO	198 943 474	214 369 719	211 935 079	73 336 302	-125 607 172	-63,1%
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	5 545	1 294	23 716	1 844	-3 701	-66,7%
Stocks	315 228	664 472	539 410	698 561	383 333	121,6%
Residents	-	-	-	-	-	-
Non-residents	301 685	641 046	517 228	664 608	362 923	120,3%
Valuation allowance	13 543	23 426	22 182	33 953	20 410	150,7%
Loans to corporate clients	16 475 511	11 940 138	21 644 118	9 433 907	-7 041 604	-42,7%
residents	14 175 009	8 518 640	13 056 849	7 284 549	-6 890 460	-48,6%
up to 30 days	1 846 562	2 005 320	2 793 734	1 557 540	-289 022	-15,7%
up to 180 days	1 793 609	1 578 996	1 938 098	1 443 471	-350 138	-19,5%
up to 1 year	7 080 255	2 086 831	4 456 545	2 278 920	-4 801 335	-67,8%
up to 3 years	665 494	304 567	169 660	46 631	-618 863	-93,0%
more than 3 years	2 789 089	2 542 926	3 698 812	1 957 987	-831 102	-29,8%
non-residents	121 145	2 031 757	6 212 629	980 037	858 892	709,0%
up to 3 years	-	1 541 212	6 000 086	568 710	568 710	-
more than 3 years	121 145	490 545	212 543	411 327	290 182	239,5%
state-owned enterprises	-	700	86 891	11 953	11 953	-
up to 180 days	-	-	10 000	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	700	-	9 758	9 758	-
more than 3 years	-	-	76 891	2 195	2 195	-
Past-due	466 923	29 376	84 993	296 091	-170 832	-36,6%
residents	466 816	29 253	84 904	295 797	-171 019	-36,6%
non-residents	97	117	87	285	188	193,8%
state-owned enterprises	10	6	2	9	-1	-10,0%
Provision for impairment of corporate loans	1 712 434	1 359 665	2 202 756	861 277	-851 157	-49,7%
residents	1 642 845	1 334 716	2 085 558	834 297	-808 548	-49,2%
non-residents	19 361	4 994	110 112	26 646	7 285	37,6%
state-owned enterprises	50 228	19 955	7 086	334	-49 894	-99,3%
Loans to private entrepreneurs	113 592	106 876	213 793	93 057	-20 535	-18,1%
up to 30 days	37 333	54 041	44 107	35 881	-1 452	-3,9%
up to 180 days	33 463	22 100	31 945	15 985	-17 478	-52,2%
up to 3 years	-	-	1 300	-	-	-
more than 3 years	20 882	6 000	74 668	8 366	-12 516	-59,9%
Past-due	5 501	2 999	6 886	3 061	-2 440	-44,4%
Provision for impairment of loans to private entrepreneurs	16 413	21 736	54 887	29 764	13 351	81,3%
Loans to individuals	3 365 382	3 143 918	4 334 967	2 604 168	-761 214	-22,6%
Standard	2 625 901	2 234 069	2 709 144	1 858 577	-767 324	-29,2%
up to 30 days	205 827	202 306	220 156	174 156	-31 671	-15,4%
up to 180 days	-	150	500	450	450	-
up to 1 year	-	-	-	-	-	-
up to 3 years	179 802	160 497	184 961	156 654	-23 148	-12,9%
more than 3 years	2 240 272	1 871 116	2 303 527	1 527 317	-712 955	-31,8%
Past-due	232 309	290 933	229 453	195 461	-36 848	-15,9%
Past-due	232 309	290 933	229 453	195 461	-36 848	-15,9%
Provision for impairment of loans to individuals	507 172	618 916	1 396 370	550 130	42 958	8,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 282 457 917	1 449 654 349	1 386 481 652	831 066 072	-451 391 845	-35,2%
Mandatory reserves with Central Bank	-	78 472	21 978	32 564	32 564	-
Premises and equipment	10 013 299	11 988 040	9 979 390	7 381 536	-2 631 763	-26,3%
Purchase cost	10 009 587	11 983 724	9 960 527	7 282 775	-2 726 812	-27,2%
Depreciation	3 712	4 316	18 863	98 761	95 049	2 560,6%
Accrued interest not yet received	915 897	973 347	1 055 781	1 102 911	187 014	20,4%
Assets under management	5	6	6	6	1	20,0%
Other assets	1 270 022 892	1 435 586 804	1 373 556 286	821 529 157	-448 493 735	-35,3%
Provision for impairment of other assets	600 705	539 769	1 367 867	589 411	-11 294	-1,9%
Derivatives - assets	905 119	251 257	500 344	430 487	-474 632	-52,4%
Deferred tax asset	-	236 654	-	-	-	-
LIABILITIES	1 499 035 711	1 578 440 589	1 916 369 720	1 166 408 093	-332 627 618	-22,2%
Dues to banks	505 220 703	564 153 953	597 913 620	273 094 318	-232 126 385	-45,9%
On demand	2 606 950	2 315 647	3 131 109	2 536 184	-70 766	-2,7%
Residents	1 768 169	1 935 143	2 417 077	1 493 193	-274 976	-15,6%
Non-residents	838 781	380 504	714 032	1 042 991	204 210	24,3%
Term	502 086 285	561 488 134	594 319 069	270 237 928	-231 848 357	-46,2%
Central Bank of Russia	227 894	185 827	300 149	347 801	119 907	52,6%
up to 180 days	-	-	-	1 000	1 000	-
more than 180 days	227 894	185 827	300 149	346 801	118 907	52,2%
Residents	499 762 625	558 641 288	591 929 892	269 890 127	-229 872 498	-46,0%
up to 30 days	499 726 662	556 742 568	591 853 702	269 713 546	-230 013 116	-46,0%
up to 180 days	35 963	1 898 720	76 190	176 581	140 618	391,0%
Non-residents	2 095 766	2 661 019	2 089 028	-	-2 095 766	-100,0%
up to 30 days	2 095 766	2 661 019	2 089 028	-	-2 095 766	-100,0%
Other dues to banks	527 468	350 172	463 442	320 206	-207 262	-39,3%
On demand	694 979 601	720 770 687	997 752 402	624 967 176	-70 012 425	-10,1%
Corporate clients	656 622 321	690 311 778	954 764 276	593 166 765	-63 455 556	-9,7%
State-owned enterprises	111 304	134 766	157 124	106 375	-4 929	-4,4%
Residents	644 293 482	668 039 367	950 409 173	572 474 376	-71 819 106	-11,1%
Non-residents	12 217 535	22 137 645	4 197 979	20 586 014	8 368 479	68,5%
Individuals	27 615 009	24 768 079	35 874 231	25 054 516	-2 560 493	-9,3%
Residents	27 486 748	24 467 793	35 569 950	24 820 555	-2 666 193	-9,7%
Non-residents	128 261	300 286	304 281	233 961	105 700	82,4%
Brokerage accounts	10 742 271	5 690 830	7 113 895	6 745 895	-3 996 376	-37,2%
Residents	10 730 992	5 690 828	7 113 895	6 745 895	-3 985 097	-37,1%
Non-residents	11 279	2	-	-	-11 279	-100,0%
Term	49 628 542	48 906 011	66 384 592	54 447 628	4 819 086	9,7%
Corporate clients	42 235 822	45 049 401	57 042 699	48 680 431	6 444 609	15,3%
Residents	42 234 822	45 044 401	56 946 896	48 630 031	6 395 209	15,1%
up to 30 days	38 192 003	36 416 653	48 314 591	30 816 751	-7 375 252	-19,3%
up to 180 days	3 935 688	8 540 702	7 117 912	17 515 552	13 579 864	345,0%
up to 1 year	29 241	44 431	69 069	3 401	-25 840	-88,4%
up to 3 years	-	-	1 373 100	250 000	250 000	-
more than 3 years	77 890	42 615	72 224	44 327	-33 563	-43,1%
Non-residents	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
State-owned enterprises	1 000	5 000	95 803	50 400	49 400	4 940,0%
up to 30 days	-	-	89 803	49 400	49 400	-
up to 180 days	-	-	5 000	-	-	-
up to 1 year	1 000	5 000	1 000	1 000	-	0,0%
Individuals	7 392 720	3 856 610	9 341 893	5 767 197	-1 625 523	-22,0%
residents	7 385 443	3 850 433	9 300 737	5 749 685	-1 635 758	-22,1%
up to 30 days	28	18	20	11	-17	-60,7%
up to 180 days	298 636	413 322	903 487	405 555	106 919	35,8%
up to 1 year	1 269 943	510 581	675 036	485 329	-784 614	-61,8%
up to 3 years	5 810 547	2 891 299	7 636 108	4 795 527	-1 015 020	-17,5%
more than 3 years	6 289	35 213	86 086	63 263	56 974	905,9%
non-residents	7 277	6 177	41 156	17 512	10 235	140,6%
up to 180 days	306	167	6 213	568	262	85,6%
up to 1 year	700	2	-	1 001	301	43,0%
up to 3 years	6 271	6 008	34 943	15 943	9 672	154,2%
more than 3 years	-	-	-	-	-	-
Securities issued	299 587	412 271	2 239 466	200 332	-99 255	-33,1%
Bonds	841	65	1 707 894	-	-841	-100,0%
Promissory notes	298 746	412 206	531 572	200 332	-98 414	-32,9%
on demand	232 539	183 188	234 348	62 372	-170 167	-73,2%
up to 30 days	-	80 000	-	60 800	60 800	-
up to 180 days	62 488	149 018	296 612	77 160	14 672	23,5%
up to 1 year	-	-	-	-	-	-
up to 3 years	3 719	-	-	-	-3 719	-100,0%
more than 3 years	-	-	612	-	-	-
Depositary certificates	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Other liabilities	248 907 278	244 197 667	252 079 640	213 698 639	-35 208 639	-14,1%
Other liabilities	248 132 817	243 450 755	250 667 232	212 741 292	-35 391 525	-14,3%
Accrued interest not yet paid	583 350	696 606	1 157 973	861 655	278 305	47,7%
Derivatives - liabilities	191 111	50 306	254 435	95 692	-95 419	-49,9%
EQUITY	38 909 370	58 910 614	45 775 131	1 162 892 362	1 123 982 992	2 888,7%
Capital	860 452	1 114 860	1 856 267	1 522 033	661 581	76,9%
Profit from previous years	-	-	-	552 958 471	552 958 471	-
Retained earnings from previous years	-	-	-	552 958 471	552 958 471	-
Current year profit	38 048 918	57 795 754	43 918 864	608 411 858	570 362 940	1 499,0%
Current year retained earnings	38 048 918	57 795 754	43 918 864	608 411 858	570 362 940	1 499,0%
OFF-BALANCE SHEET	23 095 662	32 628 692	41 219 275	14 152 605	-8 943 057	-38,7%
Contingent liabilities	17 294 764	14 012 991	24 713 574	9 787 716	-7 507 048	-43,4%
Guarantees issued	155 180	960 561	406 699	944 720	789 540	508,8%
Unused credit limits opened	15 118 582	10 259 580	22 574 328	8 125 655	-6 992 927	-46,3%
Unused guarantee limits	2 021 002	2 792 850	1 732 547	717 341	-1 303 661	-64,5%
Collateral on loans	4 123 170	4 326 206	13 077 932	2 656 945	-1 466 225	-35,6%
goods	4 117 808	4 279 974	13 047 238	2 644 384	-1 473 424	-35,8%
securities	5 362	46 232	30 694	12 561	7 199	134,3%
Unprocessed payments	1 655 272	14 261 615	3 406 547	1 677 451	22 179	1,3%
Due to lack of funds on client accounts	1 655 272	14 261 615	3 406 547	1 677 451	22 179	1,3%
Other off-balance sheet accounts	22 456	27 880	21 222	30 493	8 037	35,8%
Written-off interest	3 346	4 319	3 332	4 446	1 100	32,9%
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	19 110	23 561	17 890	26 047	6 937	36,3%
Credit card balances	205 827	202 306	220 156	174 156	-31 671	-15,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-