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

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	FRESKO BANK	add to comparison
Central Bank of Russia registration number: 1415

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.	01.01.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	637 986	4 397 588	576 541	6,9	7,6	-61 445	-9,6%
High liquid assets	123 805	1 322 431	34 559	10,7	2,3	-89 246	-72,1%
Cash and equivalents	50 946	1 243 539	26 406	24,4	2,2	-24 540	-48,2%
Cash	15 725	9 212	14 073	0,6	0,0	-1 652	-10,5%
in cash and en route	15 420	7 398	13 882	0,5	0,0	-1 538	-10,0%
in ATMs	305	1 814	191	5,9	0,0	-114	-37,4%
Nostro account with Central Bank	35 221	1 234 327	12 333	35,0	2,1	-22 888	-65,0%
Nostro accounts	72 859	69 094	8 151	0,9	0,1	-64 708	-88,8%
Non-residents	-	-	-	-	-	-	-
Residents	72 859	69 094	8 151	0,9	0,1	-64 708	-88,8%
Money in transfer	-	9 800	2	-	-	2	-
Provision for impairment of high-liquid assets	-	-	-	-	-	-	-
Interest-earning assets	486 770	2 001 014	514 642	4,1	3,5	27 872	5,7%
Dues from banks	180 980	-	180 980	0,0	0,0	-	0,0%
Residents	180 980	-	180 980	0,0	0,0	-	0,0%
up to 30 days	980	-	980	0,0	0,0	-	0,0%
up to 180 days	180 000	-	180 000	0,0	0,0	-	0,0%
Securities	179 391	1 997 176	215 814	11,1	3,5	36 423	20,3%
Bonds	179 391	1 997 176	215 814	11,1	3,5	36 423	20,3%
Corporate bonds	-	-	-	-	-	-	-
Financial institutions bonds	73 283	1 092 339	193 411	14,9	1,9	120 128	163,9%
Valuation allowance	-	99	49	-	-	49	-
Pledged under REPO	106 108	988 492	22 354	9,3	1,7	-83 754	-78,9%
Promissory notes	-	-	-	-	-	-	-
Banks	-	-	-	-	-	-	-
Loans to corporate clients	123 057	11 824	115 044	0,1	0,0	-8 013	-6,5%
residents	125 056	11 787	116 967	0,1	0,0	-8 089	-6,5%
up to 30 days	40 372	11 733	32 337	0,3	0,0	-8 035	-19,9%
up to 1 year	80 000	-	80 000	0,0	0,0	-	0,0%
more than 3 years	4 684	54	4 630	0,0	0,0	-54	-1,2%
Provision for impairment of corporate loans	-1 999	113	-1 923	0,1	0,0	76	-3,8%
residents	-1 999	113	-1 923	0,1	0,0	76	-3,8%
Loans to individuals	3 342	565	2 804	0,2	0,0	-538	-16,1%
Standard	3 675	565	3 127	0,2	0,0	-548	-14,9%
up to 30 days	-	17	-	-	-	-	-
up to 3 years	3 137	538	2 599	0,2	0,0	-538	-17,2%
more than 3 years	538	10	528	0,0	0,0	-10	-1,9%
Provision for impairment of loans to individuals	-333	10	-323	0,0	0,0	10	-3,0%
Other assets	27 411	1 102 015	27 340	40,2	1,9	-71	-0,3%
Mandatory reserves with Central Bank	2 303	484	1 819	0,2	0,0	-484	-21,0%
Premises and equipment	17 555	69 911	17 203	4,0	0,1	-352	-2,0%
Purchase cost	21 755	69 559	21 755	3,2	0,1	-	0,0%
Depreciation	-4 200	352	-4 552	0,1	0,0	-352	8,4%
Accrued interest not yet received	-	2 354	2 281	-	-	2 281	-
Factoring	1 258	1 735	47	1,4	0,0	-1 211	-96,3%
Other assets	6 507	1 029 669	6 164	158,2	1,8	-343	-5,3%
Provision for impairment of other assets	-212	181	-174	0,9	0,0	38	-17,9%
LIABILITIES	147 929	1 983 525	91 441	13,4	3,4	-56 488	-38,2%
Dues to banks	87 281	859 101	19 545	9,8	1,5	-67 736	-77,6%
Term	87 281	859 101	19 545	9,8	1,5	-67 736	-77,6%
Residents	87 281	859 101	19 545	9,8	1,5	-67 736	-77,6%
up to 30 days	87 281	859 101	19 545	9,8	1,5	-67 736	-77,6%
Non-residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
On demand	56 035	1 112 628	66 892	19,9	1,9	10 857	19,4%
Corporate clients	49 798	1 106 141	64 938	22,2	1,9	15 140	30,4%
Residents	49 798	1 106 131	64 938	22,2	1,9	15 140	30,4%
Non-residents	-	10	-	-	-	-	-
Individuals	6 237	10 770	1 954	1,7	0,0	-4 283	-68,7%
Residents	6 169	10 699	1 951	1,7	0,0	-4 218	-68,4%
Non-residents	68	71	3	1,0	0,0	-65	-95,6%
Term	3 378	589	3 771	0,2	0,0	393	11,6%
Corporate clients	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Individuals	3 378	589	3 771	0,2	0,0	393	11,6%
residents	3 378	589	3 771	0,2	0,0	393	11,6%
up to 30 days	25	-	25	0,0	0,0	-	0,0%
up to 1 year	705	49	734	0,1	0,0	29	4,1%
up to 3 years	2 648	540	3 012	0,2	0,0	364	13,7%
Other liabilities	1 235	22 457	1 233	18,2	0,0	-2	-0,2%
Other liabilities	1 151	21 394	1 158	18,6	0,0	7	0,6%
Accrued interest not yet paid	84	1 070	75	12,7	0,0	-9	-10,7%
EQUITY	490 057	1 037 290	485 100	2,1	1,8	-4 957	-1,0%
Capital	498 751	99	498 800	0,0	0,0	49	0,0%
Profit from previous years	13 459	773 332	-4 053	57,5	1,3	-17 512	-130,1%
Retained earnings from previous years	13 459	773 332	-4 053	57,5	1,3	-17 512	-130,1%
Current year profit	-17 447	272 135	-9 159	15,6	0,5	8 288	-47,5%
Current year retained earnings	-17 447	272 135	-9 159	15,6	0,5	8 288	-47,5%
Future expenses	-4 706	4 279	-488	0,9	0,0	4 218	-89,6%
OFF-BALANCE SHEET	150 650	11 929	142 070	0,1	0,0	-8 580	-5,7%
Contingent liabilities	-3 207	11 750	-10 742	3,7	0,0	-7 535	235,0%
Unused credit limits opened	-3 207	11 750	-10 742	3,7	0,0	-7 535	235,0%
Collateral on loans	121 392	891	120 501	0,0	0,0	-891	-0,7%
goods	121 392	891	120 501	0,0	0,0	-891	-0,7%
Unprocessed payments	32 465	179	32 311	0,0	0,0	-154	-0,5%
Due to lack of funds on client accounts	32 465	179	32 311	0,0	0,0	-154	-0,5%
Credit card balances	-	17	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	459 414	-	361 691	0,0	0,0	-97 723	-21,3%