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

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	MEZHREGIONALNIY KLIRINGOVIY BANK	add to comparison
Central Bank of Russia registration number: 2543

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.	01.11.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	966 531	4 086 348	861 117	4,2	4,7	-105 414	-10,9%
High liquid assets	107 818	3 277 236	87 999	30,4	3,8	-19 819	-18,4%
Cash and equivalents	79 650	2 499 805	64 223	31,4	2,9	-15 427	-19,4%
Cash	70 664	1 568 807	62 747	22,2	1,8	-7 917	-11,2%
in cash and en route	62 545	1 558 080	55 613	24,9	1,8	-6 932	-11,1%
in ATMs	8 119	10 727	7 134	1,3	0,0	-985	-12,1%
Nostro account with Central Bank	8 986	930 998	1 476	103,6	1,1	-7 510	-83,6%
Nostro accounts	23 831	741 605	19 356	31,1	0,9	-4 475	-18,8%
Residents	23 831	741 605	19 356	31,1	0,9	-4 475	-18,8%
Money in transfer	4 337	35 909	4 420	8,3	0,0	83	1,9%
Interest-earning assets	818 623	443 531	729 949	0,5	0,5	-88 674	-10,8%
Dues from banks	3 000	295 000	-	98,3	0,3	-3 000	-100,0%
Central Bank of Russia	3 000	295 000	-	98,3	0,3	-3 000	-100,0%
Securities	33	2	35	0,1	0,0	2	6,1%
Stocks	33	2	35	0,1	0,0	2	6,1%
Residents	5	-	5	0,0	0,0	-	0,0%
Valuation allowance	28	2	30	0,1	0,0	2	7,1%
Loans to corporate clients	814 416	141 150	728 928	0,2	0,2	-85 488	-10,5%
residents	1 519 498	76 150	1 445 848	0,1	0,1	-73 650	-4,8%
up to 1 year	420 459	2 500	422 959	0,0	0,0	2 500	0,6%
up to 3 years	949 039	76 150	872 889	0,1	0,1	-76 150	-8,0%
more than 3 years	150 000	-	150 000	0,0	0,0	-	0,0%
Past-due	-	13 750	-	-	-	-	-
residents	-	13 750	-	-	-	-	-
Provision for impairment of corporate loans	-705 082	51 250	-716 920	0,1	0,1	-11 838	1,7%
residents	-705 082	51 250	-716 920	0,1	0,1	-11 838	1,7%
Loans to individuals	1 174	7 381	986	6,3	0,0	-188	-16,0%
Standard	1 135	322	885	0,3	0,0	-250	-22,0%
up to 30 days	1 135	322	885	0,3	0,0	-250	-22,0%
Past-due	509	88	568	0,2	0,0	59	11,6%
Past-due	509	88	568	0,2	0,0	59	11,6%
Provision for impairment of loans to individuals	-470	7 033	-467	15,0	0,0	3	-0,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	40 090	368 660	43 169	9,2	0,4	3 079	7,7%
Mandatory reserves with Central Bank	26 884	1 733	25 151	0,1	0,0	-1 733	-6,4%
Premises and equipment	8 214	1 235	8 118	0,2	0,0	-96	-1,2%
Purchase cost	28 744	1 139	28 880	0,0	0,0	136	0,5%
Depreciation	-20 530	232	-20 762	0,0	0,0	-232	1,1%
Accrued interest not yet received	2	137	20	68,5	0,0	18	900,0%
Other assets	30 130	367 377	35 059	12,2	0,4	4 929	16,4%
Provision for impairment of other assets	-25 140	46	-25 179	0,0	0,0	-39	0,2%
LIABILITIES	611 572	1 313 378	501 084	2,1	1,5	-110 488	-18,1%
Dues to banks	-	225	22	-	-	22	-
Other dues to banks	-	225	22	-	-	22	-
On demand	73 879	982 025	64 436	13,3	1,1	-9 443	-12,8%
Corporate clients	54 585	834 897	47 450	15,3	1,0	-7 135	-13,1%
State-owned enterprises	1 656	1 650	1 615	1,0	0,0	-41	-2,5%
Residents	52 254	763 644	45 158	14,6	0,9	-7 096	-13,6%
Non-residents	675	69 605	677	103,1	0,1	2	0,3%
Individuals	19 294	147 128	16 986	7,6	0,2	-2 308	-12,0%
Residents	18 515	146 978	16 355	7,9	0,2	-2 160	-11,7%
Non-residents	779	150	631	0,2	0,0	-148	-19,0%
Term	517 313	142 534	419 000	0,3	0,2	-98 313	-19,0%
Corporate clients	230 100	-	230 100	0,0	0,0	-	0,0%
Residents	230 100	-	230 100	0,0	0,0	-	0,0%
up to 1 year	10 600	-	10 600	0,0	0,0	-	0,0%
up to 3 years	219 500	-	219 500	0,0	0,0	-	0,0%
Individuals	287 213	142 534	188 900	0,5	0,2	-98 313	-34,2%
residents	287 213	142 534	188 900	0,5	0,2	-98 313	-34,2%
up to 1 year	106 788	139 201	9 914	1,3	0,2	-96 874	-90,7%
up to 3 years	176 838	2 520	175 998	0,0	0,0	-840	-0,5%
more than 3 years	3 587	813	2 988	0,2	0,0	-599	-16,7%
Other liabilities	20 380	188 616	17 626	9,3	0,2	-2 754	-13,5%
Other liabilities	7 926	185 413	4 883	23,4	0,2	-3 043	-38,4%
Accrued interest not yet paid	11 444	3 492	12 131	0,3	0,0	687	6,0%
Deferred tax liabilities	1 010	398	612	0,4	0,0	-398	-39,4%
EQUITY	354 959	103 061	360 033	0,3	0,1	5 074	1,4%
Capital	351 516	3	351 519	0,0	0,0	3	0,0%
Current year profit	4 201	102 665	9 437	24,4	0,1	5 236	124,6%
Current year retained earnings	4 201	102 665	9 437	24,4	0,1	5 236	124,6%
Future expenses	-758	558	-923	0,7	0,0	-165	21,8%
OFF-BALANCE SHEET	231 677	68 183	233 192	0,3	0,1	1 515	0,7%
Contingent liabilities	-44	65 166	-249	1 481,0	0,1	-205	465,9%
Guarantees issued	-	-	-	-	-	-	-
Unused credit limits opened	-44	65 166	-249	1 481,0	0,1	-205	465,9%
Collateral on loans	178 576	-	178 576	0,0	0,0	-	0,0%
goods	178 576	-	178 576	0,0	0,0	-	0,0%
Unprocessed payments	52 974	3 207	54 685	0,1	0,0	1 711	3,2%
Due to lack of funds on client accounts	52 974	3 207	54 685	0,1	0,0	1 711	3,2%
Other off-balance sheet accounts	171	15	180	0,1	0,0	9	5,3%
Accrued interest not yet received	183	15	192	0,1	0,0	9	4,9%
Written-off loans	-12	-	-12	0,0	0,0	-	0,0%
Credit card balances	1 135	322	885	0,3	0,0	-250	-22,0%
Past due ratio, total	3	-	4	0,0	0,0	1	33,3%
Past due ratio, individuals	3 096	-	3 909	0,0	0,0	813	26,3%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	1 758 785	-	1 646 943	0,0	0,0	-111 842	-6,4%