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

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	RADIAN	add to comparison
Central Bank of Russia registration number: 1675

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.	01.05.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	811 587	5 318 342	725 842	6,6	7,3	-85 745	-10,6%
High liquid assets	178 005	4 445 910	142 433	25,0	6,1	-35 572	-20,0%
Cash and equivalents	161 950	4 126 307	114 918	25,5	5,7	-47 032	-29,0%
Cash	134 549	1 590 143	104 210	11,8	2,2	-30 339	-22,5%
in cash and en route	116 033	1 557 025	97 497	13,4	2,1	-18 536	-16,0%
in ATMs	18 516	33 118	6 713	1,8	0,0	-11 803	-63,7%
Nostro account with Central Bank	27 401	2 536 164	10 708	92,6	3,5	-16 693	-60,9%
Nostro accounts	15 848	269 725	27 124	17,0	0,4	11 276	71,2%
Residents	15 848	269 725	27 124	17,0	0,4	11 276	71,2%
Money in transfer	280	61 261	433	218,8	0,1	153	54,6%
Provision for impairment of high-liquid assets	-73	77	-42	1,1	0,0	31	-42,5%
Interest-earning assets	530 637	81 122	476 897	0,2	0,1	-53 740	-10,1%
Dues from banks	2 124	124	2 067	0,1	0,0	-57	-2,7%
Residents	2 145	123	2 088	0,1	0,0	-57	-2,7%
up to 30 days	2 145	123	2 088	0,1	0,0	-57	-2,7%
Loans past-due	15 059	-	15 059	0,0	0,0	-	0,0%
residents	15 059	-	15 059	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-15 080	1	-15 080	0,0	0,0	-	0,0%
Loans to corporate clients	199 872	47 031	164 853	0,2	0,1	-35 019	-17,5%
residents	218 572	6 284	216 124	0,0	0,0	-2 448	-1,1%
up to 1 year	89 901	1 667	88 234	0,0	0,0	-1 667	-1,9%
up to 3 years	123 835	4 564	123 107	0,0	0,0	-728	-0,6%
more than 3 years	4 836	53	4 783	0,0	0,0	-53	-1,1%
state-owned enterprises	-	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-	-
Past-due	3 302	12	3 290	0,0	0,0	-12	-0,4%
residents	3 302	12	3 290	0,0	0,0	-12	-0,4%
Provision for impairment of corporate loans	-22 002	40 735	-54 561	1,9	0,1	-32 559	148,0%
residents	-22 002	40 735	-54 561	1,9	0,1	-32 559	148,0%
Loans to private entrepreneurs	31 590	2 138	30 498	0,1	0,0	-1 092	-3,5%
up to 3 years	24 203	951	23 252	0,0	0,0	-951	-3,9%
more than 3 years	10 676	-	10 676	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-3 289	1 187	-3 430	0,4	0,0	-141	4,3%
Loans to individuals	297 051	31 829	279 479	0,1	0,0	-17 572	-5,9%
Standard	305 282	19 759	297 132	0,1	0,0	-8 150	-2,7%
up to 1 year	26 128	9 303	19 054	0,4	0,0	-7 074	-27,1%
up to 3 years	132 116	7 679	129 087	0,1	0,0	-3 029	-2,3%
more than 3 years	147 038	4 730	148 991	0,0	0,0	1 953	1,3%
Provision for impairment of loans to individuals	-8 231	12 070	-17 653	1,5	0,0	-9 422	114,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	102 945	794 877	106 512	7,7	1,1	3 567	3,5%
Mandatory reserves with Central Bank	20 816	1 964	18 852	0,1	0,0	-1 964	-9,4%
Premises and equipment	78 681	4 865	78 404	0,1	0,0	-277	-0,4%
Purchase cost	113 040	4 572	113 049	0,0	0,0	9	0,0%
Depreciation	-34 359	302	-34 645	0,0	0,0	-286	0,8%
Accrued interest not yet received	2 150	6 570	2 355	3,1	0,0	205	9,5%
Other assets	6 837	777 293	7 843	113,7	1,1	1 006	14,7%
Provision for impairment of other assets	-5 539	6 426	-942	1,2	0,0	4 597	-83,0%
LIABILITIES	504 993	3 797 693	469 065	7,5	5,2	-35 928	-7,1%
On demand	277 894	1 734 135	270 318	6,2	2,4	-7 576	-2,7%
Corporate clients	213 270	1 647 870	204 670	7,7	2,3	-8 600	-4,0%
State-owned enterprises	1	1 302	30	1 302,0	0,0	29	2 900,0%
Residents	213 268	1 570 053	204 639	7,4	2,2	-8 629	-4,0%
Non-residents	1	76 544	1	76 544,0	0,1	-	0,0%
Individuals	64 624	87 289	65 648	1,4	0,1	1 024	1,6%
Residents	64 599	87 087	65 623	1,3	0,1	1 024	1,6%
Non-residents	25	202	25	8,1	0,0	-	0,0%
Term	195 725	239 889	163 822	1,2	0,3	-31 903	-16,3%
Corporate clients	300	-	300	0,0	0,0	-	0,0%
Residents	300	-	300	0,0	0,0	-	0,0%
up to 1 year	300	-	300	0,0	0,0	-	0,0%
Individuals	195 425	239 889	163 522	1,2	0,3	-31 903	-16,3%
residents	195 409	239 888	163 461	1,2	0,3	-31 948	-16,3%
up to 1 year	76 414	46 480	64 673	0,6	0,1	-11 741	-15,4%
up to 3 years	10 223	27 921	23 562	2,7	0,0	13 339	130,5%
more than 3 years	108 772	178 826	75 226	1,6	0,2	-33 546	-30,8%
non-residents	16	46	61	2,9	0,0	45	281,3%
up to 3 years	6	1	5	0,2	0,0	-1	-16,7%
more than 3 years	10	46	56	4,6	0,0	46	460,0%
Securities issued	6 600	6 600	-	1,0	0,0	-6 600	-100,0%
Promissory notes	6 600	6 600	-	1,0	0,0	-6 600	-100,0%
up to 1 year	6 600	6 600	-	1,0	0,0	-6 600	-100,0%
Other liabilities	24 774	1 827 220	34 925	73,8	2,5	10 151	41,0%
Other liabilities	21 534	1 815 766	17 833	84,3	2,5	-3 701	-17,2%
Accrued interest not yet paid	3 240	1 303	2 906	0,4	0,0	-334	-10,3%
Deferred tax liabilities	-	14 186	14 186	-	-	14 186	-
EQUITY	306 594	88 586	256 777	0,3	0,1	-49 817	-16,2%
Capital	222 784	14 186	208 598	0,1	0,0	-14 186	-6,4%
Profit from previous years	82 059	-	82 059	0,0	0,0	-	0,0%
Retained earnings from previous years	82 059	-	82 059	0,0	0,0	-	0,0%
Current year profit	7 149	74 319	-28 580	10,4	0,1	-35 729	-499,8%
Current year retained earnings	7 149	74 319	-28 580	10,4	0,1	-35 729	-499,8%
Future expenses	-5 398	179	-5 300	0,0	0,0	98	-1,8%
OFF-BALANCE SHEET	1 260 237	108 036	1 302 064	0,1	0,1	41 827	3,3%
Contingent liabilities	-31 547	9 311	-23 236	0,3	0,0	8 311	-26,3%
Unused credit limits opened	-31 547	9 311	-23 236	0,3	0,0	8 311	-26,3%
Collateral on loans	943 848	29 178	943 037	0,0	0,0	-811	-0,1%
goods	942 848	29 178	942 037	0,0	0,0	-811	-0,1%
securities	1 000	-	1 000	0,0	0,0	-	0,0%
Unprocessed payments	347 936	69 547	382 263	0,2	0,1	34 327	9,9%
Due to lack of funds on client accounts	347 936	69 547	382 263	0,2	0,1	34 327	9,9%
Other off-balance sheet accounts	-	-	-	-	-	-	-
Accrued interest not yet received	-	-	-	-	-	-	-
Past due ratio, total	59	-	60	0,0	0,0	1	1,7%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	149	-	150	0,0	0,0	1	0,7%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	129	-	130	0,0	0,0	1	0,8%
Risk-weighted assets	1 042 107	-	-	0,0	0,0	-1 042 107	-100,0%