Kuap. Ru - Balance sheet with turnover of БАНК РАСЧЕТОВ И СБЕРЕЖЕНИЙ, analysis of turnover of bank's accounts

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	BANK RASCHETOV I SBEREZHENIY	add to comparison
Central Bank of Russia registration number: 2617

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	170 380 331	123 791 058	152 096 143	152 096 143	-18 284 188	-10,7%
High liquid assets	58 561 672	41 785 141	51 576 818	51 576 818	-6 984 854	-11,9%
Cash and equivalents	17 275 024	10 981 504	10 734 726	10 734 726	-6 540 298	-37,9%
Cash	3 249 307	2 451 714	2 172 575	2 172 575	-1 076 732	-33,1%
in cash and en route	2 473 816	1 834 755	1 691 704	1 691 704	-782 112	-31,6%
in ATMs	775 491	616 959	480 871	480 871	-294 620	-38,0%
Nostro account with Central Bank	14 025 717	8 529 790	8 562 151	8 562 151	-5 463 566	-39,0%
Nostro accounts	11 780 562	7 093 518	7 693 898	7 693 898	-4 086 664	-34,7%
Non-residents	4 560 761	2 580 247	2 648 853	2 648 853	-1 911 908	-41,9%
Residents	7 219 801	4 513 271	5 045 045	5 045 045	-2 174 756	-30,1%
Money in transfer	8 206 443	6 781 830	8 580 933	8 580 933	374 490	4,6%
Exchange accounts	21 299 384	16 928 140	24 566 990	24 566 990	3 267 606	15,3%
Provision for impairment of high-liquid assets	259	149	271	271	12	4,6%
Interest-earning assets	49 093 577	41 056 906	57 755 250	57 755 250	8 661 673	17,6%
Dues from banks	116 530	44 749	167 162	167 162	50 632	43,4%
Residents	116 530	44 749	167 162	167 162	50 632	43,4%
up to 30 days	116 530	2 268	161 468	161 468	44 938	38,6%
up to 180 days	-	42 481	5 694	5 694	5 694	-
Securities	48 441 071	40 868 624	57 208 202	57 208 202	8 767 131	18,1%
Bonds	48 440 536	40 868 070	57 207 667	57 207 667	8 767 131	18,1%
Federal Loan Bonds (OFZs), OBRs	9 179 453	8 994 609	12 368 357	12 368 357	3 188 904	34,7%
Corporate bonds	1 552 838	2 292 280	3 593 508	3 593 508	2 040 670	131,4%
Financial institutions bonds	10 634 840	7 159 618	7 603 390	7 603 390	-3 031 450	-28,5%
Corporate foreign bonds	3 244 665	2 374 788	5 145 215	5 145 215	1 900 550	58,6%
Valuation allowance	511	127	141	141	-370	-72,4%
Pledged under REPO	23 828 229	20 046 648	28 497 056	28 497 056	4 668 827	19,6%
Promissory notes	535	554	535	535	-	0,0%
Banks	535	554	535	535	-	0,0%
Loans to corporate clients	510 764	126 071	105 511	105 511	-405 253	-79,3%
residents	422 624	95 184	81 539	81 539	-341 085	-80,7%
up to 30 days	258 483	60 659	44 144	44 144	-214 339	-82,9%
up to 180 days	99 141	6 471	7 639	7 639	-91 502	-92,3%
up to 1 year	25 950	7 000	8 700	8 700	-17 250	-66,5%
up to 3 years	21 926	8 652	6 600	6 600	-15 326	-69,9%
more than 3 years	17 124	12 402	14 456	14 456	-2 668	-15,6%
Past-due	12 289	16 685	10 101	10 101	-2 188	-17,8%
residents	12 289	16 685	10 101	10 101	-2 188	-17,8%
Provision for impairment of corporate loans	75 851	14 202	13 871	13 871	-61 980	-81,7%
residents	75 851	14 202	13 871	13 871	-61 980	-81,7%
Loans to private entrepreneurs	275	267	264 177	264 177	263 902	95 964,4%
up to 180 days	-	-	131 500	131 500	131 500	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	-	87	132 362	132 362	132 362	-
Provision for impairment of loans to private entrepreneurs	275	180	315	315	40	14,5%
Loans to individuals	24 937	17 195	10 198	10 198	-14 739	-59,1%
Standard	12 207	10 053	7 253	7 253	-4 954	-40,6%
up to 30 days	2 394	-	209	209	-2 185	-91,3%
up to 180 days	-	-	-	-	-	-
up to 1 year	730	-	25	25	-705	-96,6%
up to 3 years	1 542	1 695	1 357	1 357	-185	-12,0%
more than 3 years	7 541	8 358	5 662	5 662	-1 879	-24,9%
Past-due	5 064	5 121	174	174	-4 890	-96,6%
Past-due	5 064	5 121	174	174	-4 890	-96,6%
Provision for impairment of loans to individuals	7 666	2 021	2 771	2 771	-4 895	-63,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	62 725 082	40 949 011	42 764 075	42 764 075	-19 961 007	-31,8%
Mandatory reserves with Central Bank	-	1 141	-	-	-	-
Premises and equipment	834 583	423 482	1 318	1 318	-833 265	-99,8%
Purchase cost	834 583	423 482	1 165	1 165	-833 418	-99,9%
Depreciation	-	-	153	153	153	-
Accrued interest not yet received	29 525	22 802	20 821	20 821	-8 704	-29,5%
Other assets	61 836 604	40 486 040	42 720 892	42 720 892	-19 115 712	-30,9%
Provision for impairment of other assets	24 020	15 546	21 044	21 044	-2 976	-12,4%
Derivatives - assets	350	-	-	-	-350	-100,0%
LIABILITIES	112 313 444	78 679 331	96 071 479	96 071 479	-16 241 965	-14,5%
Dues to banks	23 541 519	18 488 249	25 526 558	25 526 558	1 985 039	8,4%
On demand	32	11	142	142	110	343,8%
Residents	30	10	141	141	111	370,0%
Non-residents	2	1	1	1	-1	-50,0%
Term	23 511 463	18 474 305	25 507 978	25 507 978	1 996 515	8,5%
Central Bank of Russia	19 326 561	11 471 174	9 464 730	9 464 730	-9 861 831	-51,0%
other	19 326 561	11 471 174	9 464 730	9 464 730	-9 861 831	-51,0%
Residents	4 184 902	7 003 131	16 043 248	16 043 248	11 858 346	283,4%
up to 30 days	4 184 902	7 003 131	16 043 248	16 043 248	11 858 346	283,4%
Other dues to banks	30 024	13 933	18 438	18 438	-11 586	-38,6%
On demand	13 232 309	6 950 578	7 262 904	7 262 904	-5 969 405	-45,1%
Corporate clients	12 856 606	6 695 856	6 965 738	6 965 738	-5 890 868	-45,8%
State-owned enterprises	12 005	142	25 636	25 636	13 631	113,5%
Residents	12 843 254	6 694 833	6 939 470	6 939 470	-5 903 784	-46,0%
Non-residents	1 347	881	632	632	-715	-53,1%
Individuals	375 703	254 722	297 166	297 166	-78 537	-20,9%
Residents	349 807	230 010	273 305	273 305	-76 502	-21,9%
Non-residents	25 896	24 712	23 861	23 861	-2 035	-7,9%
Term	380 960	266 860	464 168	464 168	83 208	21,8%
Corporate clients	311 265	218 603	402 057	402 057	90 792	29,2%
Residents	311 265	218 603	402 057	402 057	90 792	29,2%
up to 30 days	5 000	7 000	121 126	121 126	116 126	2 322,5%
up to 180 days	29 800	105 000	19 300	19 300	-10 500	-35,2%
up to 1 year	65 000	-	30 004	30 004	-34 996	-53,8%
up to 3 years	86 721	40 109	171 377	171 377	84 656	97,6%
more than 3 years	124 744	66 494	60 250	60 250	-64 494	-51,7%
Non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Individuals	69 695	48 257	62 111	62 111	-7 584	-10,9%
residents	69 543	48 210	61 543	61 543	-8 000	-11,5%
up to 30 days	4	4	32	32	28	700,0%
up to 180 days	16 384	14 692	15 492	15 492	-892	-5,4%
up to 1 year	8 831	1 677	6 640	6 640	-2 191	-24,8%
up to 3 years	27 192	29 039	29 529	29 529	2 337	8,6%
more than 3 years	17 132	2 798	9 850	9 850	-7 282	-42,5%
non-residents	152	47	568	568	416	273,7%
up to 1 year	-	-	-	-	-	-
up to 3 years	152	47	568	568	416	273,7%
Securities issued	719 878	549 704	449 717	449 717	-270 161	-37,5%
Promissory notes	689 878	548 039	449 717	449 717	-240 161	-34,8%
on demand	135 509	247 379	187 606	187 606	52 097	38,4%
up to 30 days	190 141	-	26 000	26 000	-164 141	-86,3%
up to 180 days	226 380	190 462	74 000	74 000	-152 380	-67,3%
up to 1 year	80 798	54 110	17 611	17 611	-63 187	-78,2%
up to 3 years	1 050	1 421	13 000	13 000	11 950	1 138,1%
more than 3 years	56 000	54 667	131 500	131 500	75 500	134,8%
Depositary certificates	30 000	1 665	-	-	-30 000	-100,0%
up to 30 days	-	-	-	-	-	-
more than 180 days	30 000	1 665	-	-	-30 000	-100,0%
Other liabilities	74 438 778	52 423 940	62 368 132	62 368 132	-12 070 646	-16,2%
Other liabilities	74 368 485	52 383 060	62 324 697	62 324 697	-12 043 788	-16,2%
Accrued interest not yet paid	66 224	40 880	43 435	43 435	-22 789	-34,4%
Derivatives - liabilities	4 069	-	-	-	-4 069	-100,0%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	1 336 379	862 826	501 723	501 723	-834 656	-62,5%
Capital	939	3 375	70	70	-869	-92,5%
Profit from previous years	-	42 612	-	-	-	-
Retained earnings from previous years	-	42 612	-	-	-	-
Current year profit	1 335 181	816 457	501 406	501 406	-833 775	-62,4%
Current year retained earnings	1 335 181	816 457	501 406	501 406	-833 775	-62,4%
Future expenses	259	382	247	247	-12	-4,6%
OFF-BALANCE SHEET	1 702 492	425 435	411 361	411 361	-1 291 131	-75,8%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	352 984	134 246	112 356	112 356	-240 628	-68,2%
Guarantees issued	40 288	37 156	33 232	33 232	-7 056	-17,5%
Unused credit limits opened	131 361	93 865	79 124	79 124	-52 237	-39,8%
Unused guarantee limits	181 335	3 225	-	-	-181 335	-100,0%
Collateral on loans	1 205 813	225 289	248 775	248 775	-957 038	-79,4%
goods	936 024	49 504	86 652	86 652	-849 372	-90,7%
securities	269 789	175 785	162 123	162 123	-107 666	-39,9%
Unprocessed payments	132 115	53 913	40 277	40 277	-91 838	-69,5%
Due to lack of funds on client accounts	132 115	53 913	40 277	40 277	-91 838	-69,5%
Other off-balance sheet accounts	11 580	11 987	9 953	9 953	-1 627	-14,1%
Accrued interest not yet received	11 580	11 987	9 953	9 953	-1 627	-14,1%
Written-off loans	-	-	-	-	-	-
Credit card balances	2 394	-	209	209	-2 185	-91,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-