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

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Central Bank of Russia registration number: 121 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	1 191 652 706	1 144 091 333	2 269 873 607	953 629 381	-238 023 325	-20,0%
High liquid assets	78 624 281	51 361 560	84 424 129	60 146 933	-18 477 348	-23,5%
Cash and equivalents	29 530 495	15 271 142	25 072 877	15 798 352	-13 732 143	-46,5%
Cash	11 232 462	2 369 652	2 643 171	1 622 058	-9 610 404	-85,6%
in cash and en route	2 196 476	1 838 335	2 565 854	1 584 616	-611 860	-27,9%
in ATMs	50 004	37 688	65 024	37 442	-12 562	-25,1%
precious metals	8 985 982	493 629	12 293	-	-8 985 982	-100,0%
Nostro account with Central Bank	18 298 033	12 901 490	22 429 706	14 176 294	-4 121 739	-22,5%
Nostro accounts	8 223 077	11 126 581	7 233 914	7 952 116	-270 961	-3,3%
Non-residents	6 853 096	8 531 359	6 826 340	7 564 724	711 628	10,4%
Residents	1 369 981	2 595 222	407 574	387 392	-982 589	-71,7%
Money in transfer	40 870 168	24 963 593	52 116 573	36 396 118	-4 474 050	-10,9%
Provision for impairment of high-liquid assets	541	244	765	347	-194	-35,9%
Interest-earning assets	418 393 392	409 511 057	1 049 844 949	317 998 698	-100 394 694	-24,0%
Dues from banks	8 817 131	7 852 209	9 007 727	9 127 573	310 442	3,5%
Residents	4 044 881	2 306 351	2 964 535	2 478 926	-1 565 955	-38,7%
up to 30 days	4 044 881	2 306 351	2 964 535	2 478 926	-1 565 955	-38,7%
Non-residents	4 772 228	5 545 834	6 043 165	6 648 614	1 876 386	39,3%
up to 30 days	4 772 228	5 545 834	6 043 165	6 648 614	1 876 386	39,3%
Provision for impairment of loans to banks	22	24	27	33	11	50,0%
Securities	401 383 623	392 514 695	1 028 532 338	303 672 917	-97 710 706	-24,3%
Bonds	241 544 893	253 760 671	850 116 876	188 067 688	-53 477 205	-22,1%
Federal Loan Bonds (OFZs), OBRs	121 313 938	126 349 243	433 677 883	91 916 648	-29 397 290	-24,2%
Valuation allowance	901 641	1 530 072	2 078 190	1 703 590	801 949	88,9%
Pledged under REPO	119 329 314	125 881 356	414 360 803	94 447 450	-24 881 864	-20,9%
Stocks	159 838 730	138 754 024	178 415 462	115 605 229	-44 233 501	-27,7%
Residents	76 376 245	69 054 579	87 857 372	57 375 520	-19 000 725	-24,9%
Non-residents	1 609 700	410 922	1 169 709	448 343	-1 161 357	-72,1%
Valuation allowance	5 385 995	3 674 578	3 518 704	3 467 665	-1 918 330	-35,6%
Pledged under REPO	76 466 790	65 613 945	85 869 677	54 313 701	-22 153 089	-29,0%
Loans to corporate clients	8 076 588	9 053 685	11 859 691	5 089 727	-2 986 861	-37,0%
residents	2 618 413	6 630 011	4 624 543	3 220 419	602 006	23,0%
up to 30 days	-	4 001	-	2	2	-
up to 180 days	174 654	123 768	183 452	23 541	-151 113	-86,5%
up to 1 year	1 098 517	1 096 830	1 471 169	2 139 784	1 041 267	94,8%
up to 3 years	985 871	2 621 670	2 595 143	943 279	-42 592	-4,3%
more than 3 years	359 371	2 783 742	374 779	113 813	-245 558	-68,3%
non-residents	59 269	46 983	30 271	64 748	5 479	9,2%
more than 3 years	59 269	46 983	30 271	64 748	5 479	9,2%
Past-due	91 080	1 306	1 038	1 050	-90 030	-98,8%
residents	91 080	1 306	1 038	1 048	-90 032	-98,8%
non-residents	-	-	-	2	2	-
Provision for impairment of corporate loans	5 307 826	2 375 385	7 203 839	1 803 510	-3 504 316	-66,0%
residents	5 307 826	2 375 385	7 203 839	1 803 510	-3 504 316	-66,0%
non-residents	-	-	-	-	-	-
Loans to private entrepreneurs	14	9	11	11	-3	-21,4%
Past-due	13	9	10	11	-2	-15,4%
Provision for impairment of loans to private entrepreneurs	1	-	1	-	-1	-100,0%
Loans to individuals	116 036	90 459	445 182	108 470	-7 566	-6,5%
Standard	13 197	76 965	12 342	4 591	-8 606	-65,2%
up to 30 days	7 197	5 965	8 842	4 591	-2 606	-36,2%
up to 1 year	6 000	-	-	-	-6 000	-100,0%
up to 3 years	-	-	3 500	-	-	-
more than 3 years	-	71 000	-	-	-	-
Past-due	3 198	7 035	19 618	7 175	3 977	124,4%
Past-due	3 198	7 035	19 618	7 175	3 977	124,4%
Provision for impairment of loans to individuals	99 641	6 459	413 222	96 704	-2 937	-2,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	694 635 033	683 218 716	1 135 604 529	575 483 750	-119 151 283	-17,2%
Mandatory reserves with Central Bank	13 837	-	-	-	-13 837	-100,0%
Premises and equipment	11 877 051	10 422 624	16 041 893	5 986 694	-5 890 357	-49,6%
Purchase cost	11 877 051	10 421 111	16 041 009	5 986 694	-5 890 357	-49,6%
Depreciation	-	1 513	884	-	-	-
Accrued interest not yet received	341 096	293 479	339 356	307 122	-33 974	-10,0%
Other assets	678 393 812	669 513 999	1 117 031 786	567 476 798	-110 917 014	-16,3%
Provision for impairment of other assets	3 565 495	2 223 820	1 783 869	1 105 419	-2 460 076	-69,0%
Derivatives - assets	443 742	764 794	407 625	607 717	163 975	37,0%
LIABILITIES	526 204 590	525 279 271	908 598 028	460 963 128	-65 241 462	-12,4%
Dues to banks	143 886 882	137 472 551	404 412 820	99 024 961	-44 861 921	-31,2%
Term	143 882 386	137 472 551	404 389 998	99 023 429	-44 858 957	-31,2%
Central Bank of Russia	-	-	156 105 670	6 365 420	6 365 420	-
other	-	-	156 105 670	6 365 420	6 365 420	-
Residents	143 882 386	137 472 551	248 284 328	92 658 009	-51 224 377	-35,6%
up to 30 days	143 882 386	137 472 551	248 284 328	92 658 009	-51 224 377	-35,6%
Other dues to banks	4 496	-	22 822	1 532	-2 964	-65,9%
On demand	170 177 202	177 183 180	234 123 159	215 357 826	45 180 624	26,5%
Corporate clients	13 744 484	18 429 587	20 532 408	11 322 800	-2 421 684	-17,6%
Residents	13 446 206	17 331 338	20 203 661	11 117 163	-2 329 043	-17,3%
Non-residents	298 278	1 098 249	328 747	205 637	-92 641	-31,1%
Individuals	1 437 686	1 857 335	2 287 559	886 492	-551 194	-38,3%
Residents	1 434 324	1 853 975	2 283 826	882 986	-551 338	-38,4%
Non-residents	3 362	3 360	3 733	3 506	144	4,3%
Brokerage accounts	154 995 032	156 896 258	211 303 192	203 148 534	48 153 502	31,1%
Residents	141 842 110	143 493 713	195 894 040	189 606 778	47 764 668	33,7%
Non-residents	13 152 922	13 402 545	15 409 152	13 541 756	388 834	3,0%
Term	37 940 312	36 846 537	39 178 014	28 066 668	-9 873 644	-26,0%
Corporate clients	36 418 445	34 644 656	36 360 717	25 740 036	-10 678 409	-29,3%
Residents	36 418 445	34 644 656	36 360 717	25 740 036	-10 678 409	-29,3%
up to 30 days	36 415 563	34 642 712	36 355 019	25 736 319	-10 679 244	-29,3%
up to 180 days	-	366	3 025	2 076	2 076	-
up to 1 year	2 882	1 578	2 673	1 641	-1 241	-43,1%
Individuals	1 521 867	2 201 881	2 817 297	2 326 632	804 765	52,9%
residents	1 521 737	2 199 266	2 817 177	2 326 558	804 821	52,9%
up to 180 days	1 434 137	2 025 545	2 701 021	2 142 576	708 439	49,4%
up to 1 year	21 156	11 789	17 738	21 552	396	1,9%
up to 3 years	66 444	161 932	98 418	162 430	95 986	144,5%
non-residents	130	2 615	120	74	-56	-43,1%
up to 3 years	130	2 615	120	74	-56	-43,1%
Securities issued	246 223	35 378	134 160	1 187 725	941 502	382,4%
Promissory notes	246 223	35 378	134 160	1 187 725	941 502	382,4%
on demand	-	-	-	575 422	575 422	-
up to 30 days	-	-	-	30 700	30 700	-
up to 180 days	9 223	5 183	8 788	5 401	-3 822	-41,4%
up to 1 year	218 354	19 981	106 648	563 366	345 012	158,0%
up to 3 years	18 646	10 214	18 724	12 836	-5 810	-31,2%
more than 3 years	-	-	-	-	-	-
Depositary certificates	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-
Other liabilities	173 953 971	173 741 625	230 749 875	117 325 948	-56 628 023	-32,6%
Other liabilities	173 097 668	172 662 230	230 011 766	116 207 763	-56 889 905	-32,9%
Accrued interest not yet paid	257 573	274 270	278 851	217 826	-39 747	-15,4%
Derivatives - liabilities	271 474	805 125	459 258	897 693	626 219	230,7%
Deferred tax liabilities	327 256	-	-	2 666	-324 590	-99,2%
EQUITY	19 445 414	15 702 595	9 617 910	159 835 913	140 390 499	722,0%
Capital	-	1 015 717	-	-	-	-
Profit from previous years	-	1 015 717	-	72 395 565	72 395 565	-
Retained earnings from previous years	-	1 015 717	-	72 395 565	72 395 565	-
Current year profit	19 445 414	13 671 161	9 617 910	87 440 348	67 994 934	349,7%
Current year retained earnings	19 445 414	13 671 161	9 617 910	87 440 348	67 994 934	349,7%
OFF-BALANCE SHEET	3 562 884	4 422 120	13 994 974	4 065 502	502 618	14,1%
Contingent liabilities	3 470 772	3 997 716	6 372 419	3 481 034	10 262	0,3%
Guarantees issued	643 587	500 903	1 168 350	875 203	231 616	36,0%
Unused credit limits opened	2 332 864	3 468 324	4 027 083	2 565 285	232 421	10,0%
Unused guarantee limits	494 321	28 489	1 176 986	40 546	-453 775	-91,8%
Collateral on loans	55 377	390 417	7 614 867	572 533	517 156	933,9%
goods	6 594	363 699	6 752 887	-	-6 594	-100,0%
securities	48 783	26 718	861 980	572 533	523 750	1 073,6%
Unprocessed payments	35 526	28 969	5 201	7 560	-27 966	-78,7%
Due to lack of funds on client accounts	35 526	28 969	5 201	7 560	-27 966	-78,7%
Other off-balance sheet accounts	1 209	5 018	2 487	4 375	3 166	261,9%
Written-off interest	868	3 631	1 575	3 160	2 292	264,1%
Written-off loans	341	1 387	912	1 215	874	256,3%
Credit card balances	7 197	5 965	8 842	4 591	-2 606	-36,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-