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

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	INVESTKAPITALBANK	add to comparison
Central Bank of Russia registration number: 2377 retail lending, under US sanctions

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	39 621 105	52 824 440	47 626 426	40 087 594	466 489	1,2%
High liquid assets	29 025 203	29 710 621	28 020 212	27 477 505	-1 547 698	-5,3%
Cash and equivalents	24 113 033	25 251 630	23 196 964	23 346 203	-766 830	-3,2%
Cash	10 742 154	10 485 093	9 439 217	8 468 174	-2 273 980	-21,2%
in cash and en route	10 190 006	9 941 630	8 920 140	7 964 672	-2 225 334	-21,8%
in ATMs	552 148	543 463	519 077	503 502	-48 646	-8,8%
Nostro account with Central Bank	13 370 879	14 766 537	13 757 747	14 878 029	1 507 150	11,3%
Nostro accounts	3 205 727	3 041 387	3 436 802	3 007 370	-198 357	-6,2%
Residents	3 205 727	3 041 387	3 436 802	3 007 370	-198 357	-6,2%
Money in transfer	1 706 443	1 417 604	1 386 446	1 123 932	-582 511	-34,1%
Interest-earning assets	9 017 931	18 885 223	13 648 566	11 123 184	2 105 253	23,3%
Dues from banks	7 538 705	8 803 348	7 958 893	9 853 161	2 314 456	30,7%
Residents	7 538 705	8 803 348	7 958 893	9 853 161	2 314 456	30,7%
up to 30 days	7 538 705	8 803 348	7 958 893	9 853 161	2 314 456	30,7%
Securities	542 603	546 141	678 669	477 749	-64 854	-12,0%
Bonds	542 592	545 323	678 669	476 149	-66 443	-12,2%
Federal Loan Bonds (OFZs), OBRs	2 674	2 708	2 691	2 599	-75	-2,8%
Corporate bonds	3 544	3 496	3 496	3 384	-160	-4,5%
Corporate foreign bonds	343 145	309 519	436 351	317 819	-25 326	-7,4%
Valuation allowance	800	-	-	-	-800	-100,0%
Pledged under REPO	192 429	229 600	236 131	152 347	-40 082	-20,8%
Promissory notes	11	818	-	1 600	1 589	14 445,5%
Banks	11	818	-	1 600	1 589	14 445,5%
Loans to corporate clients	455 326	656 016	4 336 834	356 273	-99 053	-21,8%
residents	369 040	224 615	3 684 511	278 088	-90 952	-24,6%
up to 30 days	68 672	133 785	181 709	88 289	19 617	28,6%
up to 180 days	103 190	24 746	421 803	163 997	60 807	58,9%
up to 1 year	32 978	30 471	680 785	25 802	-7 176	-21,8%
up to 3 years	67 700	12 232	957 247	-	-67 700	-100,0%
more than 3 years	96 500	23 381	1 442 967	-	-96 500	-100,0%
state-owned enterprises	-	115 647	101 734	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	115 647	101 734	-	-	-
Past-due	36 236	69 507	396 721	53 626	17 390	48,0%
residents	36 236	69 507	381 839	53 626	17 390	48,0%
state-owned enterprises	-	-	14 882	-	-	-
Provision for impairment of corporate loans	50 050	246 247	153 868	24 559	-25 491	-50,9%
residents	49 811	236 573	151 714	23 653	-26 158	-52,5%
state-owned enterprises	239	9 674	2 154	906	667	279,1%
Loans to private entrepreneurs	5 133	22 347	114 301	4 998	-135	-2,6%
up to 30 days	-	2 000	-	-	-	-
up to 180 days	2 200	2 000	2 000	1 000	-1 200	-54,5%
up to 1 year	-	200	3 060	-	-	-
up to 3 years	-	-	28 268	-	-	-
more than 3 years	-	3 157	59 501	-	-	-
Past-due	1 814	4 398	18 624	2 705	891	49,1%
Provision for impairment of loans to private entrepreneurs	1 119	10 592	2 848	1 293	174	15,5%
Loans to individuals	476 164	8 857 371	559 869	431 003	-45 161	-9,5%
Standard	258 435	6 196 134	258 626	223 620	-34 815	-13,5%
up to 30 days	173 164	1 758 287	163 054	143 178	-29 986	-17,3%
up to 1 year	-	15 615	-	1 000	1 000	-
up to 3 years	35 293	1 106 181	46 109	31 897	-3 396	-9,6%
more than 3 years	49 978	3 316 051	49 463	47 545	-2 433	-4,9%
Past-due	164 094	1 447 207	94 806	94 123	-69 971	-42,6%
Past-due	164 094	1 447 207	94 806	94 123	-69 971	-42,6%
Provision for impairment of loans to individuals	53 635	1 214 030	206 437	113 260	59 625	111,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 577 971	4 228 596	5 957 648	1 486 905	-91 066	-5,8%
Mandatory reserves with Central Bank	-	3 308	3 208	2 890	2 890	-
Premises and equipment	55 155	14 884	52 262	250 457	195 302	354,1%
Purchase cost	52 352	14 062	44 226	245 480	193 128	368,9%
Depreciation	2 803	822	8 036	4 977	2 174	77,6%
Accrued interest not yet received	229 034	192 568	162 376	164 721	-64 313	-28,1%
Non-current assets	6 885	124 963	110 998	2 480	-4 405	-64,0%
Other assets	1 229 697	3 854 238	5 335 395	920 602	-309 095	-25,1%
Provision for impairment of other assets	56 982	37 335	184 455	145 620	88 638	155,6%
Derivatives - assets	218	1 300	4 902	135	-83	-38,1%
Deferred tax asset	-	-	104 052	-	-	-
LIABILITIES	16 148 374	15 772 801	15 382 605	14 439 243	-1 709 131	-10,6%
Dues to banks	228 225	182 699	183 139	164 016	-64 209	-28,1%
On demand	447	396	876	810	363	81,2%
Residents	447	396	876	810	363	81,2%
Term	227 778	182 303	182 188	163 191	-64 587	-28,4%
Central Bank of Russia	45 000	-	-	-	-45 000	-100,0%
up to 180 days	45 000	-	-	-	-45 000	-100,0%
Residents	182 778	182 303	182 188	163 191	-19 587	-10,7%
up to 30 days	-	31 248	160 878	163 191	163 191	-
up to 180 days	182 778	129 907	-	-	-182 778	-100,0%
more than 180 days	-	21 148	21 310	-	-	-
Other dues to banks	-	-	75	15	15	-
On demand	12 033 815	11 202 494	10 994 697	10 737 686	-1 296 129	-10,8%
Corporate clients	8 926 259	8 677 060	8 789 400	8 506 014	-420 245	-4,7%
State-owned enterprises	310 060	342 840	372 122	343 407	33 347	10,8%
Residents	8 593 370	8 315 094	8 397 058	8 148 665	-444 705	-5,2%
Non-residents	22 829	19 126	20 220	13 942	-8 887	-38,9%
Individuals	3 107 556	2 525 434	2 205 297	2 231 672	-875 884	-28,2%
Residents	3 100 083	2 520 750	2 202 954	2 227 988	-872 095	-28,1%
Non-residents	7 473	4 684	2 343	3 684	-3 789	-50,7%
Term	2 481 567	2 657 884	2 099 677	1 900 773	-580 794	-23,4%
Corporate clients	302 126	959 588	825 026	519 053	216 927	71,8%
Residents	92 126	696 148	507 911	206 083	113 957	123,7%
up to 30 days	5 000	8 500	1 300	20 000	15 000	300,0%
up to 180 days	83 976	67 648	109 611	183 083	99 107	118,0%
up to 1 year	2 000	25 000	-	3 000	1 000	50,0%
up to 3 years	1 150	595 000	397 000	-	-1 150	-100,0%
more than 3 years	-	-	-	-	-	-
Non-residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
State-owned enterprises	210 000	263 440	317 115	312 970	102 970	49,0%
up to 1 year	210 000	263 440	317 115	312 970	102 970	49,0%
Individuals	2 179 441	1 698 296	1 274 651	1 381 720	-797 721	-36,6%
residents	2 176 239	1 697 188	1 272 915	1 378 176	-798 063	-36,7%
up to 180 days	60 726	89 586	73 119	131 330	70 604	116,3%
up to 1 year	154 483	187 621	285 164	271 728	117 245	75,9%
up to 3 years	261 550	166 497	84 988	56 765	-204 785	-78,3%
more than 3 years	1 699 480	1 253 484	829 644	918 353	-781 127	-46,0%
non-residents	3 202	1 108	1 736	3 544	342	10,7%
up to 180 days	10	117	-	283	273	2 730,0%
up to 1 year	131	83	268	1 540	1 409	1 075,6%
up to 3 years	191	-	-	-	-191	-100,0%
more than 3 years	2 870	908	1 468	1 721	-1 149	-40,0%
Securities issued	178 722	226 111	378 165	193 547	14 825	8,3%
Promissory notes	163 722	206 111	378 165	188 547	24 825	15,2%
on demand	25 700	51 507	62 945	20 696	-5 004	-19,5%
up to 30 days	2 912	-	20 000	30 000	27 088	930,2%
up to 180 days	135 110	154 604	215 220	137 851	2 741	2,0%
up to 1 year	-	-	80 000	-	-	-
Depositary certificates	15 000	20 000	-	5 000	-10 000	-66,7%
up to 30 days	10 000	10 000	-	-	-10 000	-100,0%
more than 180 days	5 000	10 000	-	5 000	-	0,0%
Other liabilities	1 226 045	1 503 613	1 726 927	1 443 221	217 176	17,7%
Other liabilities	1 087 313	1 169 607	1 533 567	1 331 069	243 756	22,4%
Accrued interest not yet paid	136 073	330 064	78 303	112 152	-23 921	-17,6%
Derivatives - liabilities	2 659	3 942	-	-	-2 659	-100,0%
Deferred tax liabilities	-	-	115 057	-	-	-
EQUITY	791 470	1 825 914	1 728 251	1 033 032	241 562	30,5%
Capital	48 883	-	298	464	-48 419	-99,1%
Profit from previous years	45 543	-	-	-	-45 543	-100,0%
Retained earnings from previous years	45 543	-	-	-	-45 543	-100,0%
Current year profit	696 988	1 821 851	1 727 899	1 032 052	335 064	48,1%
Current year retained earnings	696 988	1 821 851	1 727 899	1 032 052	335 064	48,1%
Future expenses	56	4 063	54	516	460	821,4%
OFF-BALANCE SHEET	1 227 683	6 435 351	6 442 208	1 160 381	-67 302	-5,5%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	754 470	1 623 250	1 151 997	759 708	5 238	0,7%
Guarantees issued	19 214	1 427	195 210	444	-18 770	-97,7%
Unused credit limits opened	735 256	1 621 823	956 787	759 264	24 008	3,3%
Collateral on loans	275 209	4 439 842	5 108 030	281 136	5 927	2,2%
goods	258 935	3 585 411	4 999 245	273 586	14 651	5,7%
securities	16 274	854 431	108 785	7 550	-8 724	-53,6%
Unprocessed payments	148 132	126 807	124 950	105 854	-42 278	-28,5%
Due to lack of funds on client accounts	148 132	126 807	124 950	105 854	-42 278	-28,5%
Other off-balance sheet accounts	49 872	245 452	57 231	13 683	-36 189	-72,6%
Accrued interest not yet received	49 872	211 708	57 231	12 870	-37 002	-74,2%
Written-off interest	-	899	-	-	-	-
Written-off loans to banks	-	30 000	-	-	-	-
Written-off loans	-	2 845	-	813	813	-
Credit card balances	173 164	1 758 287	163 054	143 178	-29 986	-17,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-