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

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	REZERV	add to comparison
Central Bank of Russia registration number: 2364 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.


Turnover by thous. rub.					Period change
ASSETS	14 620 319	22 113 497	9 068 540	9 598 476	-5 021 843	-34,3%
High liquid assets	7 117 593	11 858 494	3 825 463	4 878 127	-2 239 466	-31,5%
Cash and equivalents	3 250 873	4 484 151	2 927 727	3 242 501	-8 372	-0,3%
Cash	2 198 007	2 998 572	2 055 600	2 133 189	-64 818	-2,9%
in cash and en route	2 198 007	2 998 572	2 055 600	2 133 189	-64 818	-2,9%
Nostro account with Central Bank	1 052 866	1 485 579	872 127	1 109 312	56 446	5,4%
Nostro accounts	3 557 586	7 015 718	566 740	1 304 233	-2 253 353	-63,3%
Non-residents	-	7	-	-	-	-
Residents	3 557 586	7 015 711	566 740	1 304 233	-2 253 353	-63,3%
Money in transfer	224 640	252 891	231 627	239 716	15 076	6,7%
Exchange accounts	84 494	105 734	99 369	91 677	7 183	8,5%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	3 430 938	6 069 069	945 494	454 021	-2 976 917	-86,8%
Dues from banks	3 282 000	5 731 000	105 000	410 000	-2 872 000	-87,5%
Central Bank of Russia	-	160 000	105 000	250 000	250 000	-
Residents	3 282 000	5 571 000	-	160 000	-3 122 000	-95,1%
up to 30 days	3 282 000	5 571 000	-	160 000	-3 122 000	-95,1%
Securities	132 332	78 692	31 957	34 305	-98 027	-74,1%
Bonds	86 239	41 644	31 957	34 305	-51 934	-60,2%
Federal Loan Bonds (OFZs), OBRs	26 497	16 505	5 308	14 400	-12 097	-45,7%
Corporate bonds	7 544	7 244	6 782	5 925	-1 619	-21,5%
Financial institutions bonds	518	442	172	-	-518	-100,0%
Corporate foreign bonds	46 129	15 365	17 906	11 724	-34 405	-74,6%
Valuation allowance	5 551	2 088	1 789	2 100	-3 451	-62,2%
Provision for impairment of bonds	-	-	-	156	156	-
Promissory notes	46 093	37 048	-	-	-46 093	-100,0%
Corporate	46 093	37 048	-	-	-46 093	-100,0%
Loans to corporate clients	3 860	76 854	1 384	1 196	-2 664	-69,0%
residents	637	756	1 204	1 017	380	59,7%
up to 30 days	637	756	1 204	1 017	380	59,7%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	263	14 451	-	-	-263	-100,0%
residents	263	14 451	-	-	-263	-100,0%
Provision for impairment of corporate loans	2 960	61 647	180	179	-2 781	-94,0%
residents	2 960	61 647	180	179	-2 781	-94,0%
Loans to private entrepreneurs	8 805	84 418	119	2	-8 803	-100,0%
up to 1 year	5 900	62 600	-	-	-5 900	-100,0%
Provision for impairment of loans to private entrepreneurs	2 905	21 818	119	2	-2 903	-99,9%
Loans to individuals	3 941	98 105	807 034	8 518	4 577	116,1%
Standard	2 701	-	750 599	1 854	-847	-31,4%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	500	500	-
up to 3 years	200	-	600	271	71	35,5%
more than 3 years	2 501	-	749 999	1 083	-1 418	-56,7%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	336	2 116	858	2 630	2 294	682,7%
Past-due	336	2 116	858	2 630	2 294	682,7%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	904	95 989	55 577	4 034	3 130	346,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	4 071 788	4 185 934	4 297 583	4 266 328	194 540	4,8%
Mandatory reserves with Central Bank	478	-	292	-	-478	-100,0%
Premises and equipment	186 970	426 686	47 823	618 160	431 190	230,6%
Purchase cost	186 093	425 892	47 823	618 160	432 067	232,2%
Depreciation	877	794	-	-	-877	-100,0%
Accrued interest not yet received	4 838	5 128	9 808	9 507	4 669	96,5%
Factoring	-	-	-	-	-	-
Other assets	3 877 231	3 611 430	4 219 574	3 636 163	-241 068	-6,2%
Provision for impairment of other assets	2 271	142 690	20 086	2 498	227	10,0%
LIABILITIES	5 451 606	7 502 845	6 509 525	4 357 600	-1 094 006	-20,1%
Dues to banks	3	148	1 889	199	196	6 533,3%
Other dues to banks	3	148	1 889	199	196	6 533,3%
On demand	1 010 812	3 711 317	2 090 662	1 100 714	89 902	8,9%
Corporate clients	747 391	1 271 394	872 795	872 566	125 175	16,7%
Residents	704 386	1 201 099	817 267	811 928	107 542	15,3%
Non-residents	43 005	70 295	55 528	60 638	17 633	41,0%
Individuals	263 421	2 439 923	1 217 867	228 148	-35 273	-13,4%
Residents	261 651	2 439 922	1 217 183	227 790	-33 861	-12,9%
Non-residents	1 770	1	684	358	-1 412	-79,8%
Term	671 237	137 061	157 059	207 289	-463 948	-69,1%
Corporate clients	15 188	3 288	151	7 447	-7 741	-51,0%
Residents	15 188	3 288	151	7 447	-7 741	-51,0%
up to 180 days	15 000	-	-	3 000	-12 000	-80,0%
up to 1 year	188	3 288	151	4 447	4 259	2 265,4%
Individuals	656 049	133 773	156 908	199 842	-456 207	-69,5%
residents	653 594	132 987	156 750	199 433	-454 161	-69,5%
up to 3 years	653 594	132 987	156 750	199 433	-454 161	-69,5%
non-residents	2 455	786	158	409	-2 046	-83,3%
up to 3 years	2 455	786	158	409	-2 046	-83,3%
Other liabilities	3 769 554	3 654 319	4 259 915	3 049 398	-720 156	-19,1%
Other liabilities	3 761 543	3 649 853	4 243 512	3 048 097	-713 446	-19,0%
Accrued interest not yet paid	8 011	2 746	16 403	1 301	-6 710	-83,8%
Deferred tax liabilities	-	1 720	-	-	-	-
EQUITY	88 145	246 947	735 465	90 281	2 136	2,4%
Capital	290	376	382 340	1 216	926	319,3%
Profit from previous years	-	-	44 020	-	-	-
Retained earnings from previous years	-	-	44 020	-	-	-
Current year profit	87 782	245 859	307 641	88 986	1 204	1,4%
Current year retained earnings	87 782	245 859	307 641	88 986	1 204	1,4%
Future expenses	73	712	1 464	79	6	8,2%
OFF-BALANCE SHEET	28 042	442 211	771 160	12 589	-15 453	-55,1%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	6 537	269 226	753 754	2 968	-3 569	-54,6%
Unused credit limits opened	6 537	269 226	753 754	2 968	-3 569	-54,6%
Collateral on loans	18 848	155 858	14 647	5 148	-13 700	-72,7%
goods	18 848	155 858	14 647	5 148	-13 700	-72,7%
Unprocessed payments	1 120	3 642	1 483	2 315	1 195	106,7%
Due to lack of funds on client accounts	1 120	3 642	1 483	2 315	1 195	106,7%
Other off-balance sheet accounts	1 537	13 485	1 276	2 158	621	40,4%
Accrued interest not yet received	1 537	2 099	1 276	2 158	621	40,4%
Written-off interest	-	3 672	-	-	-	-
Written-off loans	-	7 714	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-