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

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	PLATEZHNIE SISTEMI	add to comparison
Central Bank of Russia registration number: 1943 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.	01.10.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	895 097	750 472	798 197	0,8	0,9	-96 900	-10,8%
High liquid assets	21 429	355 799	10 867	16,6	0,4	-10 562	-49,3%
Cash and equivalents	16 343	347 255	9 219	21,2	0,4	-7 124	-43,6%
Cash	9 022	110 458	7 601	12,2	0,1	-1 421	-15,8%
in cash and en route	8 999	110 442	7 593	12,3	0,1	-1 406	-15,6%
in ATMs	23	16	8	0,7	0,0	-15	-65,2%
Nostro account with Central Bank	7 321	236 797	1 618	32,3	0,3	-5 703	-77,9%
Nostro accounts	4 984	7 674	1 557	1,5	0,0	-3 427	-68,8%
Residents	4 984	7 674	1 557	1,5	0,0	-3 427	-68,8%
Money in transfer	104	870	93	8,4	0,0	-11	-10,6%
Provision for impairment of high-liquid assets	-2	-	-2	0,0	0,0	-	0,0%
Interest-earning assets	768 359	180 011	661 300	0,2	0,2	-107 059	-13,9%
Dues from banks	109	13	120	0,1	0,0	11	10,1%
Residents	409	13	420	0,0	0,0	11	2,7%
up to 30 days	409	13	420	0,0	0,0	11	2,7%
Provision for impairment of loans to banks	-300	-	-300	0,0	0,0	-	0,0%
Securities	51 429	65 000	79	1,3	0,1	-51 350	-99,8%
Promissory notes	51 350	65 000	-	1,3	0,1	-51 350	-100,0%
Corporate	65 000	65 000	-	1,0	0,1	-65 000	-100,0%
Provision for impairment of promissory notes	-13 650	13 650	-	1,0	0,0	13 650	-100,0%
Stocks	79	-	79	0,0	0,0	-	0,0%
Residents	100	-	100	0,0	0,0	-	0,0%
Provision for impairment of stocks	-21	-	-21	0,0	0,0	-	0,0%
Loans to corporate clients	584 849	103 162	532 923	0,2	0,1	-51 926	-8,9%
residents	526 708	41 243	512 581	0,1	0,1	-14 127	-2,7%
up to 30 days	16 544	26 555	15 105	1,6	0,0	-1 439	-8,7%
up to 1 year	310 597	14 613	295 984	0,0	0,0	-14 613	-4,7%
up to 3 years	151 335	2 000	153 260	0,0	0,0	1 925	1,3%
more than 3 years	48 232	-	48 232	0,0	0,0	-	0,0%
Past-due	102 483	20 209	111 920	0,2	0,0	9 437	9,2%
residents	101 346	20 209	110 867	0,2	0,0	9 521	9,4%
state-owned enterprises	1 137	84	1 053	0,1	0,0	-84	-7,4%
Provision for impairment of corporate loans	-44 342	51 147	-91 578	1,2	0,1	-47 236	106,5%
residents	-44 204	51 092	-91 413	1,2	0,1	-47 209	106,8%
state-owned enterprises	-138	55	-165	0,4	0,0	-27	19,6%
Loans to private entrepreneurs	5 483	-	5 483	0,0	0,0	-	0,0%
up to 1 year	1 000	-	1 000	0,0	0,0	-	0,0%
up to 3 years	4 500	-	4 500	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-17	-	-17	0,0	0,0	-	0,0%
Loans to individuals	126 489	11 847	122 695	0,1	0,0	-3 794	-3,0%
Standard	129 070	5 214	125 284	0,0	0,0	-3 786	-2,9%
up to 30 days	72 134	4 951	67 649	0,1	0,0	-4 485	-6,2%
more than 3 years	56 936	962	57 635	0,0	0,0	699	1,2%
Past-due	14 239	5 786	19 947	0,4	0,0	5 708	40,1%
Past-due	14 239	5 786	19 947	0,4	0,0	5 708	40,1%
Provision for impairment of loans to individuals	-16 820	6 555	-22 536	0,4	0,0	-5 716	34,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	105 309	235 383	126 030	2,2	0,3	20 721	19,7%
Mandatory reserves with Central Bank	7 545	18 587	26 132	2,5	0,0	18 587	246,3%
Premises and equipment	72 624	65 401	72 263	0,9	0,1	-361	-0,5%
Purchase cost	86 544	65 048	86 536	0,8	0,1	-8	-0,0%
Depreciation	-13 920	353	-14 273	0,0	0,0	-353	2,5%
Accrued interest not yet received	7 770	9 496	6 449	1,2	0,0	-1 321	-17,0%
Other assets	22 348	142 249	26 879	6,4	0,2	4 531	20,3%
Provision for impairment of other assets	-5 964	2 047	-6 679	0,3	0,0	-715	12,0%
Deferred tax asset	986	-	986	0,0	0,0	-	0,0%
LIABILITIES	738 459	542 070	685 078	0,7	0,7	-53 381	-7,2%
Dues to banks	3 397	3 397	-	1,0	0,0	-3 397	-100,0%
On demand	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
Other dues to banks	3 397	3 397	-	1,0	0,0	-3 397	-100,0%
On demand	99 123	463 347	47 784	4,7	0,6	-51 339	-51,8%
Corporate clients	69 436	411 535	15 243	5,9	0,5	-54 193	-78,0%
State-owned enterprises	99	5 327	182	53,8	0,0	83	83,8%
Residents	69 337	406 291	15 061	5,9	0,5	-54 276	-78,3%
Individuals	29 687	54 666	32 541	1,8	0,1	2 854	9,6%
Residents	29 687	54 666	32 541	1,8	0,1	2 854	9,6%
Term	630 299	51 151	613 695	0,1	0,1	-16 604	-2,6%
Corporate clients	136 000	-	136 000	0,0	0,0	-	0,0%
Residents	136 000	-	136 000	0,0	0,0	-	0,0%
up to 180 days	19 000	-	19 000	0,0	0,0	-	0,0%
up to 3 years	70 000	-	70 000	0,0	0,0	-	0,0%
more than 3 years	47 000	-	47 000	0,0	0,0	-	0,0%
Individuals	494 299	51 151	477 695	0,1	0,1	-16 604	-3,4%
residents	494 299	51 151	477 695	0,1	0,1	-16 604	-3,4%
up to 180 days	14 411	6 283	15 909	0,4	0,0	1 498	10,4%
up to 1 year	11 265	1 279	10 746	0,1	0,0	-519	-4,6%
up to 3 years	468 623	45 087	451 040	0,1	0,1	-17 583	-3,8%
Other liabilities	5 640	42 134	23 599	7,5	0,1	17 959	318,4%
Other liabilities	3 433	18 585	4 749	5,4	0,0	1 316	38,3%
Accrued interest not yet paid	2 173	4 776	2 468	2,2	0,0	295	13,6%
Liabilities past-due	-	18 773	16 348	-	-	16 348	-
Deferred tax liabilities	34	-	34	0,0	0,0	-	0,0%
EQUITY	156 639	78 662	113 120	0,5	0,1	-43 519	-27,8%
Capital	218 539	-	218 539	0,0	0,0	-	0,0%
Current year profit	-60 348	78 662	-103 936	1,3	0,1	-43 588	72,2%
Current year retained earnings	-60 348	78 662	-103 936	1,3	0,1	-43 588	72,2%
Future expenses	-1 552	69	-1 483	0,0	0,0	69	-4,4%
OFF-BALANCE SHEET	1 025 683	176 780	1 056 322	0,2	0,2	30 639	3,0%
Contingent liabilities	-39 205	41 524	-30 482	1,1	0,1	8 723	-22,2%
Guarantees issued	-15 499	-	-15 499	0,0	0,0	-	0,0%
Unused credit limits opened	-23 706	41 524	-14 983	1,8	0,1	8 723	-36,8%
Collateral on loans	928 164	79 671	924 539	0,1	0,1	-3 625	-0,4%
goods	928 164	79 671	924 539	0,1	0,1	-3 625	-0,4%
Unprocessed payments	136 453	53 656	160 189	0,4	0,1	23 736	17,4%
Due to lack of funds in bank	-	39 782	19 799	-	-	19 799	-
Due to lack of funds on client accounts	136 453	13 874	140 390	0,1	0,0	3 937	2,9%
Other off-balance sheet accounts	271	1 929	2 076	7,1	0,0	1 805	666,1%
Accrued interest not yet received	271	1 929	2 076	7,1	0,0	1 805	666,1%
Credit card balances	72 134	4 951	67 649	0,1	0,0	-4 485	-6,2%
Past due ratio, total	1 500	-	1 701	0,0	0,0	201	13,4%
Past due ratio, individuals	994	-	1 373	0,0	0,0	379	38,1%
Past due ratio, corporates	1 629	-	1 792	0,0	0,0	163	10,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	1 615	-	1 777	0,0	0,0	162	10,0%
Risk-weighted assets	1 033 825	-	917 866	0,0	0,0	-115 959	-11,2%