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

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	INTERNACIONALNIY TORGOVIY BANK	add to comparison
Central Bank of Russia registration number: 2609 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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 085 618	11 319 025	2 121 251	5,4	5,3	35 633	1,7%
High liquid assets	167 064	5 829 693	143 149	34,9	2,7	-23 915	-14,3%
Cash and equivalents	125 271	4 563 497	117 260	36,4	2,2	-8 011	-6,4%
Cash	102 251	693 805	109 069	6,8	0,3	6 818	6,7%
in cash and en route	77 806	652 369	89 582	8,4	0,3	11 776	15,1%
in ATMs	24 445	46 394	19 487	1,9	0,0	-4 958	-20,3%
Nostro account with Central Bank	23 020	3 876 510	8 191	168,4	1,8	-14 829	-64,4%
Nostro accounts	38 766	182 773	26 180	4,7	0,1	-12 586	-32,5%
Residents	38 766	182 773	26 180	4,7	0,1	-12 586	-32,5%
Money in transfer	3 620	1 082 918	119	299,1	0,5	-3 501	-96,7%
Provision for impairment of high-liquid assets	-593	688	-410	1,2	0,0	183	-30,9%
Interest-earning assets	1 704 204	4 972 709	1 764 655	2,9	2,3	60 451	3,5%
Dues from banks	939 996	4 902 358	972 410	5,2	2,3	32 414	3,4%
Central Bank of Russia	857 000	2 757 000	644 520	3,2	1,3	-212 480	-24,8%
Residents	83 158	2 351 602	328 415	28,3	1,1	245 257	294,9%
up to 30 days	83 158	2 351 602	328 415	28,3	1,1	245 257	294,9%
Provision for impairment of loans to banks	-162	6 599	-525	40,7	0,0	-363	224,1%
Securities	548 880	51 961	594 771	0,1	0,0	45 891	8,4%
Bonds	548 880	51 961	594 771	0,1	0,0	45 891	8,4%
Federal Loan Bonds (OFZs), OBRs	56 735	19 292	74 888	0,3	0,0	18 153	32,0%
Corporate bonds	285 677	3 930	288 391	0,0	0,0	2 714	1,0%
Financial institutions bonds	208 111	28 033	234 003	0,1	0,0	25 892	12,4%
Provision for impairment of bonds	-1 643	1 574	-2 511	1,0	0,0	-868	52,8%
Loans to corporate clients	182 021	28 942	162 838	0,2	0,0	-19 183	-10,5%
residents	183 643	27 345	164 224	0,1	0,0	-19 419	-10,6%
up to 30 days	10 471	4 058	10 678	0,4	0,0	207	2,0%
up to 1 year	42 050	16 500	27 740	0,4	0,0	-14 310	-34,0%
up to 3 years	30 130	4 110	26 020	0,1	0,0	-4 110	-13,6%
more than 3 years	100 992	2 884	99 786	0,0	0,0	-1 206	-1,2%
Past-due	-	641	-	-	-	-	-
residents	-	641	-	-	-	-	-
Provision for impairment of corporate loans	-1 622	1 192	-1 386	0,7	0,0	236	-14,5%
residents	-1 622	1 192	-1 386	0,7	0,0	236	-14,5%
Loans to private entrepreneurs	1 085	1 024	1 135	0,9	0,0	50	4,6%
up to 180 days	50	1 000	1 050	20,0	0,0	1 000	2 000,0%
up to 1 year	1 050	950	100	0,9	0,0	-950	-90,5%
more than 3 years	-	-	-	-	-	-	-
Past-due	228	5	233	0,0	0,0	5	2,2%
Provision for impairment of loans to private entrepreneurs	-243	19	-248	0,1	0,0	-5	2,1%
Loans to individuals	32 222	7 607	33 501	0,2	0,0	1 279	4,0%
Standard	32 749	4 083	34 549	0,1	0,0	1 800	5,5%
up to 30 days	5	18	-	3,6	0,0	-5	-100,0%
up to 1 year	12	8	4	0,7	0,0	-8	-66,7%
up to 3 years	1 077	200	1 204	0,2	0,0	127	11,8%
more than 3 years	31 655	3 870	33 341	0,1	0,0	1 686	5,3%
Past-due	19 770	97	19 812	0,0	0,0	42	0,2%
Past-due	19 770	97	19 812	0,0	0,0	42	0,2%
Provision for impairment of loans to individuals	-20 297	3 995	-20 860	0,2	0,0	-563	2,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	214 350	541 441	213 447	2,5	0,3	-903	-0,4%
Mandatory reserves with Central Bank	3 072	197	3 269	0,1	0,0	197	6,4%
Premises and equipment	196 099	443	195 794	0,0	0,0	-305	-0,2%
Purchase cost	296 837	143	296 832	0,0	0,0	-5	-0,0%
Depreciation	-100 738	300	-101 038	0,0	0,0	-300	0,3%
Accrued interest not yet received	1 973	8 823	2 673	4,5	0,0	700	35,5%
Other assets	35 460	529 322	35 534	14,9	0,2	74	0,2%
Provision for impairment of other assets	-34 276	2 257	-34 475	0,1	0,0	-199	0,6%
Deferred tax asset	12 022	1 370	10 652	0,1	0,0	-1 370	-11,4%
LIABILITIES	1 724 921	4 624 148	1 761 994	2,7	2,2	37 073	2,1%
Dues to banks	-	188 704	5 650	-	-	5 650	-
Term	-	8 485	-	-	-	-	-
Central Bank of Russia	-	8 485	-	-	-	-	-
up to 30 days	-	8 485	-	-	-	-	-
Other dues to banks	-	180 219	5 650	-	-	5 650	-
On demand	442 410	1 434 609	433 661	3,2	0,7	-8 749	-2,0%
Corporate clients	369 567	1 270 476	355 525	3,4	0,6	-14 042	-3,8%
Residents	369 567	1 270 456	355 525	3,4	0,6	-14 042	-3,8%
Non-residents	-	20	-	-	-	-	-
Individuals	72 843	169 426	78 136	2,3	0,1	5 293	7,3%
Residents	72 840	169 426	78 133	2,3	0,1	5 293	7,3%
Non-residents	3	-	3	0,0	0,0	-	0,0%
Term	1 244 331	192 045	1 285 580	0,2	0,1	41 249	3,3%
Corporate clients	152 200	45 500	190 200	0,3	0,0	38 000	25,0%
Residents	152 200	45 500	190 200	0,3	0,0	38 000	25,0%
up to 180 days	152 200	45 500	190 200	0,3	0,0	38 000	25,0%
up to 1 year	-	-	-	-	-	-	-
Individuals	1 092 131	146 545	1 095 380	0,1	0,1	3 249	0,3%
residents	1 092 131	146 545	1 095 380	0,1	0,1	3 249	0,3%
up to 30 days	1 885	2 198	1 040	1,2	0,0	-845	-44,8%
up to 180 days	96 534	8 321	94 043	0,1	0,0	-2 491	-2,6%
up to 1 year	215 598	29 556	209 841	0,1	0,0	-5 757	-2,7%
up to 3 years	650 981	107 732	670 705	0,2	0,1	19 724	3,0%
more than 3 years	127 133	15 213	119 751	0,1	0,0	-7 382	-5,8%
Other liabilities	38 180	2 818 616	37 103	73,8	1,3	-1 077	-2,8%
Other liabilities	12 044	2 813 213	11 674	233,6	1,3	-370	-3,1%
Accrued interest not yet paid	14 114	4 696	14 777	0,3	0,0	663	4,7%
Deferred tax liabilities	12 022	1 370	10 652	0,1	0,0	-1 370	-11,4%
EQUITY	360 697	2 779 979	359 257	7,7	1,3	-1 440	-0,4%
Capital	266 777	-	266 777	0,0	0,0	-	0,0%
Profit from previous years	124 094	2 128 270	93 738	17,2	1,0	-30 356	-24,5%
Retained earnings from previous years	124 094	2 128 270	93 738	17,2	1,0	-30 356	-24,5%
Current year profit	-30 174	680 625	-1 258	22,6	0,3	28 916	-95,8%
Current year retained earnings	-30 174	680 625	-1 258	22,6	0,3	28 916	-95,8%
OFF-BALANCE SHEET	779 061	40 611	775 453	0,1	0,0	-3 608	-0,5%
Unused credit limits available	500 000	-	500 000	0,0	0,0	-	0,0%
Contingent liabilities	-12 551	25 957	-29 569	2,1	0,0	-17 018	135,6%
Unused credit limits opened	-12 551	25 957	-29 569	2,1	0,0	-17 018	135,6%
Collateral on loans	288 770	13 715	302 485	0,0	0,0	13 715	4,7%
goods	288 770	13 715	302 485	0,0	0,0	13 715	4,7%
Unprocessed payments	4 396	939	4 091	0,2	0,0	-305	-6,9%
Due to lack of funds on client accounts	4 396	939	4 091	0,2	0,0	-305	-6,9%
Other off-balance sheet accounts	-1 554	-	-1 554	0,0	0,0	-	0,0%
Written-off interest	-1 326	-	-1 326	0,0	0,0	-	0,0%
Written-off loans	-228	-	-228	0,0	0,0	-	0,0%
Credit card balances	5	18	-	3,6	0,0	-5	-100,0%
Past due ratio, total	842	-	911	0,0	0,0	69	8,2%
Past due ratio, individuals	3 764	-	3 645	0,0	0,0	-119	-3,2%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	1 717	-	1 685	0,0	0,0	-32	-1,9%
Past due ratio, corporates + entrepreneurs	12	-	14	0,0	0,0	2	16,7%
Risk-weighted assets	1 438 870	-	1 492 670	0,0	0,0	53 800	3,7%