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

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	PLATO-BANK	add to comparison
Central Bank of Russia registration number: 2071 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.	01.04.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 332 562	1 097 893	1 443 822	0,8	0,8	111 260	8,3%
High liquid assets	20 354	514 662	46 848	25,3	0,4	26 494	130,2%
Cash and equivalents	20 354	514 662	46 848	25,3	0,4	26 494	130,2%
Cash	7 263	67 793	13 570	9,3	0,0	6 307	86,8%
in cash and en route	7 263	67 793	13 570	9,3	0,0	6 307	86,8%
Nostro account with Central Bank	13 091	446 869	33 278	34,1	0,3	20 187	154,2%
Interest-earning assets	648 265	447 410	647 460	0,7	0,3	-805	-0,1%
Dues from banks	40 000	335 000	-	8,4	0,2	-40 000	-100,0%
Residents	40 000	335 000	-	8,4	0,2	-40 000	-100,0%
up to 30 days	40 000	335 000	-	8,4	0,2	-40 000	-100,0%
Loans to corporate clients	590 313	151 156	629 849	0,3	0,1	39 536	6,7%
residents	958 089	95 120	979 530	0,1	0,1	21 441	2,2%
up to 1 year	3 660	-	3 660	0,0	0,0	-	0,0%
up to 3 years	954 429	95 120	975 870	0,1	0,1	21 441	2,2%
Past-due	238	-	238	0,0	0,0	-	0,0%
residents	238	-	238	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-368 014	56 036	-349 919	0,2	0,0	18 095	-4,9%
residents	-368 014	56 036	-349 919	0,2	0,0	18 095	-4,9%
Loans to private entrepreneurs	-	52	-	-	-	-	-
more than 3 years	1 618	52	1 566	0,0	0,0	-52	-3,2%
Past-due	-	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	-1 618	52	-1 566	0,0	0,0	52	-3,2%
Loans to individuals	17 952	751	17 611	0,0	0,0	-341	-1,9%
Standard	18 144	642	17 802	0,0	0,0	-342	-1,9%
up to 1 year	57	9	48	0,2	0,0	-9	-15,8%
up to 3 years	1 791	94	1 697	0,1	0,0	-94	-5,2%
more than 3 years	16 296	539	16 057	0,0	0,0	-239	-1,5%
Past-due	1 679	108	1 576	0,1	0,0	-103	-6,1%
Past-due	1 679	108	1 576	0,1	0,0	-103	-6,1%
Provision for impairment of loans to individuals	-1 871	92	-1 767	0,0	0,0	104	-5,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	663 943	136 626	749 514	0,2	0,1	85 571	12,9%
Mandatory reserves with Central Bank	23 637	845	24 482	0,0	0,0	845	3,6%
Premises and equipment	637 195	85 197	722 320	0,1	0,1	85 125	13,4%
Purchase cost	639 945	85 197	725 117	0,1	0,1	85 172	13,3%
Depreciation	-2 750	47	-2 797	0,0	0,0	-47	1,7%
Accrued interest not yet received	23	12 068	11	524,7	0,0	-12	-52,2%
Other assets	4 574	1 423	4 114	0,3	0,0	-460	-10,1%
Provision for impairment of other assets	-1 486	37 565	-1 413	25,3	0,0	73	-4,9%
LIABILITIES	885 185	647 173	893 632	0,7	0,4	8 447	1,0%
Dues to banks	813	1 566	-	1,9	0,0	-813	-100,0%
Other dues to banks	813	1 566	-	1,9	0,0	-813	-100,0%
On demand	13 811	501 652	14 429	36,3	0,3	618	4,5%
Corporate clients	9 470	490 266	10 848	51,8	0,3	1 378	14,6%
Residents	9 470	490 266	10 848	51,8	0,3	1 378	14,6%
Individuals	4 341	12 146	3 581	2,8	0,0	-760	-17,5%
Residents	4 341	12 146	3 581	2,8	0,0	-760	-17,5%
Term	843 419	133 721	855 504	0,2	0,1	12 085	1,4%
Corporate clients	106 950	-	106 950	0,0	0,0	-	0,0%
Residents	106 950	-	106 950	0,0	0,0	-	0,0%
up to 3 years	150	-	150	0,0	0,0	-	0,0%
more than 3 years	106 800	-	106 800	0,0	0,0	-	0,0%
Individuals	736 469	133 721	748 554	0,2	0,1	12 085	1,6%
residents	736 469	133 721	748 554	0,2	0,1	12 085	1,6%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	171 006	54 473	224 393	0,3	0,0	53 387	31,2%
up to 3 years	565 463	120 550	524 161	0,2	0,1	-41 302	-7,3%
Other liabilities	27 142	14 490	23 699	0,5	0,0	-3 443	-12,7%
Other liabilities	28	3 141	3	112,2	0,0	-25	-89,3%
Accrued interest not yet paid	27 114	11 349	23 414	0,4	0,0	-3 700	-13,6%
Liabilities past-due	-	282	282	-	-	282	-
EQUITY	447 377	258 604	550 190	0,6	0,2	102 813	23,0%
Capital	94 433	-	94 433	0,0	0,0	-	0,0%
Profit from previous years	361 233	64 822	361 232	0,2	0,0	-1	-0,0%
Retained earnings from previous years	361 233	64 822	361 232	0,2	0,0	-1	-0,0%
Current year profit	-7 591	192 972	95 193	25,4	0,1	102 784	-1 354,0%
Current year retained earnings	-7 591	192 972	95 193	25,4	0,1	102 784	-1 354,0%
Future expenses	-698	811	-668	1,2	0,0	30	-4,3%
OFF-BALANCE SHEET	1 542 659	222 579	1 543 996	0,1	0,2	1 337	0,1%
Contingent liabilities	-	95 120	-	-	-	-	-
Unused credit limits opened	-	95 120	-	-	-	-	-
Collateral on loans	1 537 665	125 314	1 539 182	0,1	0,1	1 517	0,1%
goods	1 537 665	125 314	1 539 182	0,1	0,1	1 517	0,1%
Unprocessed payments	6 969	68	6 975	0,0	0,0	6	0,1%
Due to lack of funds on client accounts	6 969	68	6 975	0,0	0,0	6	0,1%
Other off-balance sheet accounts	-1 975	2 261	-2 161	1,1	0,0	-186	9,4%
Accrued interest not yet received	32	2 083	28	65,1	0,0	-4	-12,5%
Written-off interest	-1 004	85	-1 089	0,1	0,0	-85	8,5%
Written-off loans	-1 003	97	-1 100	0,1	0,0	-97	9,7%
Past due ratio, total	20	-	18	0,0	0,0	-2	-10,0%
Past due ratio, individuals	847	-	813	0,0	0,0	-34	-4,0%
Past due ratio, corporates	2	-	2	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	2	-	2	0,0	0,0	-	0,0%
Risk-weighted assets	1 688 747	-	-	0,0	0,0	-1 688 747	-100,0%