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

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	EKSPRESS-KREDIT	add to comparison
Central Bank of Russia registration number: 210 complies with 214-FZ (equity construction)

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.


Turnover by thous. rub.					Period change
ASSETS	34 153 327	36 397 805	34 005 637	29 850 322	-4 303 005	-12,6%
High liquid assets	28 222 541	27 164 652	24 967 777	21 376 422	-6 846 119	-24,3%
Cash and equivalents	13 902 427	10 114 279	8 460 154	6 470 271	-7 432 156	-53,5%
Cash	1 153 537	656 088	1 244 943	774 468	-379 069	-32,9%
in cash and en route	1 087 343	591 290	1 185 706	715 045	-372 298	-34,2%
in ATMs	66 194	64 798	59 237	59 423	-6 771	-10,2%
Nostro account with Central Bank	12 748 890	9 458 191	7 215 211	5 695 803	-7 053 087	-55,3%
Nostro accounts	1 242 530	508 044	272 846	249 782	-992 748	-79,9%
Residents	1 242 530	508 044	272 846	249 782	-992 748	-79,9%
Money in transfer	7 557 544	9 666 544	8 590 940	7 787 535	229 991	3,0%
Exchange accounts	5 520 040	6 875 771	7 643 826	6 868 727	1 348 687	24,4%
Provision for impairment of high-liquid assets	-	14	11	107	107	-
Interest-earning assets	4 643 886	7 353 284	7 500 007	6 901 669	2 257 783	48,6%
Dues from banks	1 113 216	765 025	313	309 180	-804 036	-72,2%
Residents	1 113 216	765 025	313	309 180	-804 036	-72,2%
up to 30 days	1 113 216	765 025	313	309 180	-804 036	-72,2%
Securities	2 570 617	5 952 703	6 493 141	6 365 763	3 795 146	147,6%
Bonds	2 331 188	5 856 244	6 305 411	5 783 254	3 452 066	148,1%
Federal Loan Bonds (OFZs), OBRs	49 819	374 396	855 300	911 277	861 458	1 729,2%
Corporate bonds	640 624	1 622 039	1 349 426	1 145 722	505 098	78,8%
Financial institutions bonds	152 593	191 315	-	-	-152 593	-100,0%
Foreign sovereign bonds	33 729	219	-	44 517	10 788	32,0%
Corporate foreign bonds	305 457	847 108	869 589	824 720	519 263	170,0%
Valuation allowance	2 044	17 525	3 837	3 020	976	47,7%
Pledged under REPO	1 146 922	2 803 642	3 227 259	2 853 998	1 707 076	148,8%
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	-	-	-	-	-	-
Promissory notes	238 962	95 984	187 329	582 015	343 053	143,6%
Banks	238 962	95 984	187 329	582 015	343 053	143,6%
Stocks	467	475	401	494	27	5,8%
Residents	-	-	-	-	-	-
Valuation allowance	467	475	401	494	27	5,8%
Loans to corporate clients	603 866	117 159	802 964	66 799	-537 067	-88,9%
residents	351 304	89 488	670 108	63 317	-287 987	-82,0%
up to 30 days	-	14 182	25 783	30 817	30 817	-
up to 180 days	140 626	1 495	5 273	2 500	-138 126	-98,2%
up to 1 year	134 677	23 801	31 310	-	-134 677	-100,0%
up to 3 years	76 001	50 010	484 742	30 000	-46 001	-60,5%
more than 3 years	-	-	123 000	-	-	-
state-owned enterprises	240 000	-	-	-	-240 000	-100,0%
up to 180 days	240 000	-	-	-	-240 000	-100,0%
up to 1 year	-	-	-	-	-	-
Past-due	2 659	3 259	10 921	-	-2 659	-100,0%
residents	2 659	3 259	10 921	-	-2 659	-100,0%
Provision for impairment of corporate loans	9 903	24 412	121 935	3 482	-6 421	-64,8%
residents	5 972	24 322	121 935	3 482	-2 490	-41,7%
state-owned enterprises	3 931	90	-	-	-3 931	-100,0%
Loans to individuals	356 187	518 397	203 589	159 927	-196 260	-55,1%
Standard	312 172	304 706	178 046	152 788	-159 384	-51,1%
up to 30 days	30 096	27 444	23 264	21 288	-8 808	-29,3%
up to 180 days	104 700	10 190	23 400	39 300	-65 400	-62,5%
up to 1 year	106 726	178 017	71 370	74 800	-31 926	-29,9%
up to 3 years	6 808	32 523	27 348	10 118	3 310	48,6%
more than 3 years	63 842	56 532	32 664	7 282	-56 560	-88,6%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	211	191 346	2 465	5 915	5 704	2 703,3%
Past-due	211	191 346	2 465	5 915	5 704	2 703,3%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	43 804	22 345	23 078	1 224	-42 580	-97,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 286 900	1 879 869	1 537 853	1 572 231	285 331	22,2%
Mandatory reserves with Central Bank	1 093	2 453	2 715	-	-1 093	-100,0%
Premises and equipment	107 088	762 856	590 766	239 972	132 884	124,1%
Purchase cost	107 088	762 856	589 678	239 972	132 884	124,1%
Depreciation	-	-	1 088	-	-	-
Accrued interest not yet received	33 027	30 293	31 511	31 089	-1 938	-5,9%
Other assets	1 121 513	1 034 673	866 588	1 258 400	136 887	12,2%
Provision for impairment of other assets	3 399	23 366	19 368	1 035	-2 364	-69,5%
Derivatives - assets	20 780	26 228	26 905	41 735	20 955	100,8%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	21 100 872	20 518 801	19 641 659	15 831 379	-5 269 493	-25,0%
Dues to banks	934 623	2 604 734	2 663 921	2 550 002	1 615 379	172,8%
Term	934 623	2 604 734	2 663 921	2 550 002	1 615 379	172,8%
Central Bank of Russia	331 085	394 349	269 298	109 980	-221 105	-66,8%
other	331 085	394 349	269 298	109 980	-221 105	-66,8%
Residents	603 538	2 210 385	2 394 623	2 440 022	1 836 484	304,3%
up to 30 days	603 538	2 210 385	2 394 623	2 440 022	1 836 484	304,3%
On demand	13 470 646	9 680 331	8 623 163	5 410 710	-8 059 936	-59,8%
Corporate clients	11 605 483	8 674 051	7 194 673	4 876 242	-6 729 241	-58,0%
State-owned enterprises	242 662	1 017	1 699	2 013	-240 649	-99,2%
Residents	11 361 714	8 672 480	7 192 298	4 873 613	-6 488 101	-57,1%
Non-residents	1 107	554	676	616	-491	-44,4%
Individuals	1 858 830	997 738	1 414 466	534 463	-1 324 367	-71,2%
Residents	1 716 800	865 359	1 273 999	532 279	-1 184 521	-69,0%
Non-residents	142 030	132 379	140 467	2 184	-139 846	-98,5%
Brokerage accounts	6 333	8 542	14 024	5	-6 328	-99,9%
Residents	6 277	8 491	13 780	5	-6 272	-99,9%
Non-residents	56	51	244	-	-56	-100,0%
Term	292 766	250 576	126 107	100 868	-191 898	-65,5%
Corporate clients	-	-	-	-	-	-
Residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	292 766	250 576	126 107	100 868	-191 898	-65,5%
residents	290 818	250 395	125 941	100 732	-190 086	-65,4%
up to 180 days	11 432	51	1 214	-	-11 432	-100,0%
up to 1 year	9 200	4 412	6 007	9 929	729	7,9%
up to 3 years	220 701	204 942	94 172	76 257	-144 444	-65,4%
more than 3 years	49 485	40 990	24 548	14 546	-34 939	-70,6%
non-residents	1 948	181	166	136	-1 812	-93,0%
up to 3 years	1 948	181	166	136	-1 812	-93,0%
Securities issued	360 000	40 000	43 000	-	-360 000	-100,0%
Promissory notes	360 000	40 000	43 000	-	-360 000	-100,0%
on demand	360 000	40 000	43 000	-	-360 000	-100,0%
Other liabilities	6 042 837	7 943 160	8 185 468	7 769 799	1 726 962	28,6%
Other liabilities	6 007 726	7 877 795	8 147 651	7 737 927	1 730 201	28,8%
Accrued interest not yet paid	21 374	25 445	26 829	21 809	435	2,0%
Derivatives - liabilities	13 737	12 477	10 988	10 063	-3 674	-26,7%
Deferred tax liabilities	-	27 443	-	-	-	-
EQUITY	512 645	577 886	445 782	263 833	-248 812	-48,5%
Capital	39 370	73 112	2 948	3 432	-35 938	-91,3%
Profit from previous years	62 881	-	-	-	-62 881	-100,0%
Retained earnings from previous years	62 881	-	-	-	-62 881	-100,0%
Current year profit	406 338	501 056	439 813	259 912	-146 426	-36,0%
Current year retained earnings	406 338	501 056	439 813	259 912	-146 426	-36,0%
Future expenses	4 056	3 718	3 021	489	-3 567	-87,9%
OFF-BALANCE SHEET	750 449	709 584	546 444	253 615	-496 834	-66,2%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	691 662	398 123	376 643	159 983	-531 679	-76,9%
Guarantees issued	35 379	190 274	170 106	9 850	-25 529	-72,2%
Unused credit limits opened	656 283	207 849	206 537	150 133	-506 150	-77,1%
Collateral on loans	32 142	207 237	84 764	41 828	9 686	30,1%
goods	32 142	207 237	84 764	12 917	-19 225	-59,8%
securities	-	-	-	28 911	28 911	-
Unprocessed payments	2 317	63 399	59 574	24 065	21 748	938,6%
Due to lack of funds on client accounts	2 317	63 399	59 574	24 065	21 748	938,6%
Other off-balance sheet accounts	24 328	40 825	25 463	27 739	3 411	14,0%
Accrued interest not yet received	24 328	40 825	25 463	27 739	3 411	14,0%
Written-off interest	-	-	-	-	-	-
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	30 096	27 444	23 264	21 288	-8 808	-29,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-