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

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	EVROKOMMERC	add to comparison
Central Bank of Russia registration number: 1777 retail lending, retail funding

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.	01.09.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	11 270 670	33 136 291	11 114 689	2,9	3,0	-155 981	-1,4%
High liquid assets	1 955 041	16 011 278	4 689 469	8,2	1,4	2 734 428	139,9%
Cash and equivalents	1 521 195	8 605 004	4 256 142	5,7	0,8	2 734 947	179,8%
Cash	1 264 508	3 535 771	1 228 562	2,8	0,3	-35 946	-2,8%
in cash and en route	1 223 116	3 450 554	1 194 117	2,8	0,3	-28 999	-2,4%
in ATMs	41 392	85 217	34 445	2,1	0,0	-6 947	-16,8%
Nostro account with Central Bank	256 687	5 105 179	3 027 580	19,9	0,5	2 770 893	1 079,5%
Nostro accounts	346 667	6 320 825	337 092	18,2	0,6	-9 575	-2,8%
Non-residents	3 195	2 503	1 321	0,8	0,0	-1 874	-58,7%
Residents	343 472	6 318 322	335 771	18,4	0,6	-7 701	-2,2%
Money in transfer	88 423	902 701	97 087	10,2	0,1	8 664	9,8%
Exchange accounts	-	191 752	-	-	-	-	-
Provision for impairment of high-liquid assets	-1 244	571	-852	0,5	0,0	392	-31,5%
Interest-earning assets	8 412 003	9 211 312	5 543 674	1,1	0,8	-2 868 329	-34,1%
Dues from banks	3 310 045	4 704 335	10 008	1,4	0,4	-3 300 037	-99,7%
Central Bank of Russia	3 300 000	4 700 000	-	1,4	0,4	-3 300 000	-100,0%
Residents	10 045	4 335	10 008	0,4	0,0	-37	-0,4%
up to 30 days	10 045	4 335	10 008	0,4	0,0	-37	-0,4%
Securities	21 898	3 713 180	21 432	169,6	0,3	-466	-2,1%
Bonds	-	2 024 160	-	-	-	-	-
Federal Loan Bonds (OFZs), OBRs	-	152 961	-	-	-	-	-
Corporate bonds	-	850 778	-	-	-	-	-
Financial institutions bonds	-	873 382	-	-	-	-	-
Foreign financial institutions bonds	-	106 006	-	-	-	-	-
Valuation allowance	-	236	-	-	-	-	-
Pledged under REPO	-	40 797	-	-	-	-	-
Promissory notes	-	418 381	-	-	-	-	-
Banks	-	418 381	-	-	-	-	-
Provision for impairment of promissory notes	-	-	-	-	-	-	-
Stocks	21 898	1 270 639	21 432	58,0	0,1	-466	-2,1%
Residents	20 504	1 268 309	20 504	61,9	0,1	-	0,0%
Valuation allowance	1 394	2 330	928	1,7	0,0	-466	-33,4%
Loans to corporate clients	1 781 057	915 453	2 221 224	0,5	0,1	440 167	24,7%
residents	1 827 640	908 500	2 276 231	0,5	0,1	448 591	24,5%
up to 180 days	50	-	50	0,0	0,0	-	0,0%
up to 1 year	1 273 521	661 500	1 641 521	0,5	0,1	368 000	28,9%
up to 3 years	547 069	247 000	627 660	0,5	0,0	80 591	14,7%
more than 3 years	7 000	-	7 000	0,0	0,0	-	0,0%
Past-due	243	976	976	4,0	0,0	733	301,6%
residents	243	976	976	4,0	0,0	733	301,6%
Provision for impairment of corporate loans	-46 826	14 951	-55 983	0,3	0,0	-9 157	19,6%
residents	-46 826	14 951	-55 983	0,3	0,0	-9 157	19,6%
Loans to private entrepreneurs	-	-	-	-	-	-	-
up to 3 years	252	-	252	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-252	-	-252	0,0	0,0	-	0,0%
Loans to individuals	3 299 003	318 694	3 291 010	0,1	0,0	-7 993	-0,2%
Standard	3 046 477	135 794	2 988 997	0,0	0,0	-57 480	-1,9%
up to 30 days	1 279	168	1 300	0,1	0,0	21	1,6%
up to 1 year	2 088	274	1 825	0,1	0,0	-263	-12,6%
up to 3 years	572 818	46 503	539 274	0,1	0,0	-33 544	-5,9%
more than 3 years	2 470 292	88 870	2 446 598	0,0	0,0	-23 694	-1,0%
Past-due	509 710	70 770	569 979	0,1	0,0	60 269	11,8%
Past-due	509 710	70 770	569 979	0,1	0,0	60 269	11,8%
Provision for impairment of loans to individuals	-257 184	172 399	-267 966	0,7	0,0	-10 782	4,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	903 626	10 648 129	881 546	11,8	1,0	-22 080	-2,4%
Mandatory reserves with Central Bank	124 671	3 244	127 915	0,0	0,0	3 244	2,6%
Premises and equipment	367 640	3 712 446	367 370	10,1	0,3	-270	-0,1%
Purchase cost	505 189	3 712 097	508 070	7,3	0,3	2 881	0,6%
Depreciation	-137 549	3 230	-140 700	0,0	0,0	-3 151	2,3%
Accrued interest not yet received	67 211	139 963	56 758	2,1	0,0	-10 453	-15,6%
Non-current assets	107 660	4 130	103 530	0,0	0,0	-4 130	-3,8%
Other assets	255 045	6 777 134	258 278	26,6	0,6	3 233	1,3%
Provision for impairment of other assets	-26 920	17 689	-40 624	0,7	0,0	-13 704	50,9%
Deferred tax asset	8 319	-	8 319	0,0	0,0	-	0,0%
LIABILITIES	10 780 671	5 412 496	10 610 675	0,5	0,5	-169 996	-1,6%
Dues to banks	-	-	-	-	-	-	-
On demand	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
On demand	391 234	3 335 136	499 623	8,5	0,3	108 389	27,7%
Corporate clients	93 074	2 272 954	183 557	24,4	0,2	90 483	97,2%
State-owned enterprises	316	568	734	1,8	0,0	418	132,3%
Residents	92 677	1 975 708	182 742	21,3	0,2	90 065	97,2%
Non-residents	81	296 678	81	3 662,7	0,0	-	0,0%
Individuals	298 160	1 062 182	316 066	3,6	0,1	17 906	6,0%
Residents	297 630	1 059 283	315 456	3,6	0,1	17 826	6,0%
Non-residents	530	2 899	610	5,5	0,0	80	15,1%
Term	10 142 727	629 214	9 853 371	0,1	0,1	-289 356	-2,9%
Corporate clients	475 345	86 448	473 657	0,2	0,0	-1 688	-0,4%
Residents	10 000	39 040	10 000	3,9	0,0	-	0,0%
up to 30 days	-	39 040	-	-	-	-	-
up to 3 years	10 000	-	10 000	0,0	0,0	-	0,0%
Non-residents	465 345	47 408	463 657	0,1	0,0	-1 688	-0,4%
more than 3 years	465 345	47 408	463 657	0,1	0,0	-1 688	-0,4%
Individuals	9 667 382	542 766	9 379 714	0,1	0,0	-287 668	-3,0%
residents	9 638 163	538 744	9 353 372	0,1	0,0	-284 791	-3,0%
up to 180 days	200 749	90 150	131 982	0,4	0,0	-68 767	-34,3%
up to 1 year	371 931	104 810	285 272	0,3	0,0	-86 659	-23,3%
up to 3 years	8 569 657	319 782	8 459 278	0,0	0,0	-110 379	-1,3%
more than 3 years	495 826	24 002	476 840	0,0	0,0	-18 986	-3,8%
non-residents	29 219	4 022	26 342	0,1	0,0	-2 877	-9,8%
up to 180 days	193	701	821	3,6	0,0	628	325,4%
up to 1 year	2 700	1 400	1 300	0,5	0,0	-1 400	-51,9%
up to 3 years	22 625	2 549	20 498	0,1	0,0	-2 127	-9,4%
more than 3 years	3 701	22	3 723	0,0	0,0	22	0,6%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-	-
Other liabilities	246 710	1 567 506	257 681	6,4	0,1	10 971	4,4%
Other liabilities	85 046	1 436 110	76 142	16,9	0,1	-8 904	-10,5%
Accrued interest not yet paid	161 664	140 300	181 539	0,9	0,0	19 875	12,3%
EQUITY	489 999	1 358 223	504 014	2,8	0,1	14 015	2,9%
Capital	561 486	-	561 486	0,0	0,0	-	0,0%
Profit from previous years	-10 868	-	-10 868	0,0	0,0	-	0,0%
Retained earnings from previous years	-10 868	-	-10 868	0,0	0,0	-	0,0%
Current year profit	-3 036	1 356 945	16 941	447,0	0,1	19 977	-658,0%
Current year retained earnings	-3 036	1 356 945	16 941	447,0	0,1	19 977	-658,0%
Future expenses	-57 583	7 240	-63 545	0,1	0,0	-5 962	10,4%
OFF-BALANCE SHEET	1 416 086	271 595	1 137 332	0,2	0,0	-278 754	-19,7%
Contingent liabilities	-521	668	-	1,3	0,0	521	-100,0%
Unused credit limits opened	-521	668	-	1,3	0,0	521	-100,0%
Collateral on loans	710 045	257 736	452 309	0,4	0,0	-257 736	-36,3%
goods	697 587	256 186	441 401	0,4	0,0	-256 186	-36,7%
securities	12 458	1 550	10 908	0,1	0,0	-1 550	-12,4%
Unprocessed payments	701 779	19 461	690 460	0,0	0,0	-11 319	-1,6%
Due to lack of funds on client accounts	701 779	19 461	690 460	0,0	0,0	-11 319	-1,6%
Other off-balance sheet accounts	4 783	15 269	-5 437	3,2	0,0	-10 220	-213,7%
Accrued interest not yet received	30 253	15 269	20 033	0,5	0,0	-10 220	-33,8%
Written-off interest	-2 017	-	-2 017	0,0	0,0	-	0,0%
Written-off loans	-23 453	-	-23 453	0,0	0,0	-	0,0%
Credit card balances	1 279	168	1 300	0,1	0,0	21	1,6%
Past due ratio, total	947	-	978	0,0	0,0	31	3,3%
Past due ratio, individuals	1 433	-	1 602	0,0	0,0	169	11,8%
Past due ratio, corporates	1	-	4	0,0	0,0	3	300,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	1	-	4	0,0	0,0	3	300,0%
Risk-weighted assets	7 226 505	-	7 643 531	0,0	0,0	417 026	5,8%