Kuap. Ru - Balance sheet with turnover of МЕЖДУНАРОДНЫЙ ФИНАНСОВЫЙ КЛУБ, analysis of turnover of bank's accounts

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	MEZHDUNARODNIY FINANSOVIY KLUB	add to comparison
Central Bank of Russia registration number: 2618 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	530 429 131	526 037 475	718 705 457	613 741 679	83 312 548	15,7%
High liquid assets	130 725 619	137 895 771	162 552 328	119 505 734	-11 219 885	-8,6%
Cash and equivalents	34 391 310	39 178 069	37 752 277	33 796 540	-594 770	-1,7%
Cash	2 863 242	2 439 281	5 269 014	1 671 150	-1 192 092	-41,6%
in cash and en route	2 826 364	2 420 165	5 229 305	1 670 984	-1 155 380	-40,9%
in ATMs	36 878	19 116	39 709	166	-36 712	-99,5%
Nostro account with Central Bank	31 528 068	36 738 788	32 483 263	32 125 390	597 322	1,9%
Nostro accounts	55 847 024	50 507 958	53 036 767	32 429 912	-23 417 112	-41,9%
Non-residents	40 032 580	48 366 016	42 050 353	30 422 207	-9 610 373	-24,0%
Residents	15 814 444	2 141 942	10 986 414	2 007 705	-13 806 739	-87,3%
Money in transfer	40 456 793	48 193 396	71 741 981	53 271 615	12 814 822	31,7%
Provision for impairment of high-liquid assets	30 492	16 348	21 303	7 667	-22 825	-74,9%
Interest-earning assets	72 357 747	95 642 127	137 942 813	99 734 037	27 376 290	37,8%
Dues from banks	1 973 879	2 622 768	6 043 248	17 957 663	15 983 784	809,8%
Central Bank of Russia	600 000	300 000	2 600 000	1 700 000	1 100 000	183,3%
Residents	19 212	1 640 904	2 235 775	15 794 648	15 775 436	82 112,4%
up to 30 days	2 358	1 640 904	2 235 775	15 794 648	15 792 290	669 732,4%
up to 180 days	16 854	-	-	-	-16 854	-100,0%
Non-residents	1 199 436	409 789	1 176 939	370 567	-828 869	-69,1%
up to 180 days	26 650	52 483	29 631	58 810	32 160	120,7%
more than 180 days	1 172 786	357 306	1 147 308	311 757	-861 029	-73,4%
Loans past-due	-	4 422	3 821	-	-	-
non-residents	-	4 422	3 821	-	-	-
Provision for impairment of loans to banks	155 231	267 653	26 713	92 448	-62 783	-40,4%
Securities	69 255 626	92 077 087	130 210 720	80 833 174	11 577 548	16,7%
Bonds	69 255 626	92 077 087	130 210 720	80 833 174	11 577 548	16,7%
Federal Loan Bonds (OFZs), OBRs	31 946 720	35 589 368	54 147 508	30 286 363	-1 660 357	-5,2%
Corporate bonds	-	-	-	100 149	100 149	-
Corporate foreign bonds	4 429 670	11 070 163	16 246 071	10 045 334	5 615 664	126,8%
Valuation allowance	85 441	114 683	136 184	263 381	177 940	208,3%
Pledged under REPO	32 784 629	45 302 015	59 675 795	40 135 106	7 350 477	22,4%
Provision for impairment of bonds	9 166	858	5 162	2 841	-6 325	-69,0%
Loans to corporate clients	1 052 030	889 477	1 659 388	905 295	-146 735	-13,9%
residents	946 424	757 533	1 550 969	850 485	-95 939	-10,1%
up to 30 days	-	-	-	-	-	-
up to 180 days	156 386	86 573	249 883	84 592	-71 794	-45,9%
up to 1 year	576 365	369 405	922 542	559 960	-16 405	-2,8%
up to 3 years	213 673	217 055	105 132	132 810	-80 863	-37,8%
more than 3 years	-	84 500	273 412	73 123	73 123	-
non-residents	-	-	2 361	-	-	-
more than 3 years	-	-	2 361	-	-	-
state-owned enterprises	-	-	2	-	-	-
up to 1 year	-	-	2	-	-	-
Past-due	66 736	68 760	251	49	-66 687	-99,9%
residents	66 734	68 754	244	44	-66 690	-99,9%
non-residents	-	4	6	4	4	-
state-owned enterprises	2	2	1	1	-1	-50,0%
Provision for impairment of corporate loans	38 870	63 184	105 805	54 761	15 891	40,9%
residents	38 869	63 184	105 797	54 761	15 892	40,9%
non-residents	1	-	8	-	-1	-100,0%
state-owned enterprises	-	-	-	-	-	-
Loans to private entrepreneurs	4 462	1 810	4 238	36	-4 426	-99,2%
up to 180 days	-	1 000	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	235	-	-	1	-234	-99,6%
Provision for impairment of loans to private entrepreneurs	4 227	810	4 238	35	-4 192	-99,2%
Loans to individuals	71 750	50 985	25 219	37 869	-33 881	-47,2%
Standard	10 995	29 188	13 245	25 188	14 193	129,1%
up to 30 days	874	435	1 797	1 736	862	98,6%
up to 1 year	-	-	-	-	-	-
up to 3 years	1 500	-	-	-	-1 500	-100,0%
more than 3 years	8 621	28 753	11 448	23 452	14 831	172,0%
Past-due	482	8 646	368	382	-100	-20,7%
Past-due	482	8 646	368	382	-100	-20,7%
Provision for impairment of loans to individuals	60 273	13 151	11 606	12 299	-47 974	-79,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	327 345 765	292 499 577	418 210 316	394 501 908	67 156 143	20,5%
Mandatory reserves with Central Bank	-	-	4 643	40 781	40 781	-
Premises and equipment	638 181	50 269	6 781 091	630 247	-7 934	-1,2%
Purchase cost	638 181	50 218	6 774 418	630 247	-7 934	-1,2%
Depreciation	-	51	6 673	-	-	-
Accrued interest not yet received	109 129	112 639	118 676	132 314	23 185	21,2%
Other assets	326 275 313	292 293 944	411 261 189	392 070 738	65 795 425	20,2%
Investments in subsidiaries	-	-	-	1 600 000	1 600 000	-
Provision for impairment of other assets	31 213	40 850	44 717	27 828	-3 385	-10,8%
Deferred tax asset	291 929	1 875	-	-	-291 929	-100,0%
LIABILITIES	517 147 514	511 126 021	656 494 022	555 684 408	38 536 894	7,5%
Dues to banks	60 434 912	80 468 314	69 424 111	64 122 395	3 687 483	6,1%
On demand	30 387 007	44 731 285	12 268 104	35 683 101	5 296 094	17,4%
Residents	30 387 007	44 731 285	12 268 104	35 683 101	5 296 094	17,4%
Term	30 031 367	35 052 424	57 123 533	28 425 028	-1 606 339	-5,3%
Residents	30 031 367	35 052 424	57 123 533	28 425 028	-1 606 339	-5,3%
up to 30 days	30 031 367	35 052 424	57 123 533	28 425 028	-1 606 339	-5,3%
Other dues to banks	16 538	684 605	32 474	14 266	-2 272	-13,7%
On demand	84 852 919	76 374 750	85 721 389	52 731 402	-32 121 517	-37,9%
Corporate clients	79 209 100	63 994 557	79 767 731	48 732 758	-30 476 342	-38,5%
State-owned enterprises	17 301	19 570	52 138	69 692	52 391	302,8%
Residents	57 358 155	54 059 653	55 349 222	38 034 561	-19 323 594	-33,7%
Non-residents	21 833 644	9 915 334	24 366 371	10 628 505	-11 205 139	-51,3%
Individuals	3 317 865	4 610 407	5 428 072	3 550 239	232 374	7,0%
Residents	2 427 804	3 738 841	4 235 305	3 080 782	652 978	26,9%
Non-residents	890 061	871 566	1 192 767	469 457	-420 604	-47,3%
Brokerage accounts	2 325 954	7 769 786	525 586	448 405	-1 877 549	-80,7%
Residents	2 325 851	7 769 695	525 485	448 329	-1 877 522	-80,7%
Non-residents	103	91	101	76	-27	-26,2%
Term	5 861 645	4 326 482	6 103 582	9 899 531	4 037 886	68,9%
Corporate clients	3 364 455	2 025 612	3 503 082	7 612 710	4 248 255	126,3%
Residents	1 540 729	1 691 034	2 907 230	3 952 100	2 411 371	156,5%
up to 30 days	1 104 450	832 000	763 050	2 431 800	1 327 350	120,2%
up to 180 days	350 987	439 688	332 628	88 500	-262 487	-74,8%
up to 1 year	27	27 654	686 348	1 086 080	1 086 053	4 022 418,5%
up to 3 years	84 000	391 000	1 124 030	310 000	226 000	269,0%
more than 3 years	1 265	692	1 174	35 720	34 455	2 723,7%
Non-residents	1 823 726	334 578	595 852	3 660 610	1 836 884	100,7%
up to 30 days	105 000	-	-	296 000	191 000	181,9%
up to 180 days	-	47 200	6 520	2 370 691	2 370 691	-
up to 1 year	102 231	118 389	362 151	182 883	80 652	78,9%
up to 3 years	1 584 199	151 319	197 235	179 549	-1 404 650	-88,7%
more than 3 years	32 296	17 670	29 946	631 487	599 191	1 855,3%
Individuals	2 497 190	2 300 870	2 600 500	2 286 821	-210 369	-8,4%
residents	1 906 965	1 653 627	1 939 747	1 908 848	1 883	0,1%
up to 180 days	60	30	30	30	-30	-50,0%
up to 1 year	391 934	323 989	257 965	354 531	-37 403	-9,5%
up to 3 years	1 399 547	946 782	1 421 344	1 499 324	99 777	7,1%
more than 3 years	115 424	382 826	260 408	54 963	-60 461	-52,4%
non-residents	590 225	647 243	660 753	377 973	-212 252	-36,0%
up to 1 year	651	356	6 060	371	-280	-43,0%
up to 3 years	246 590	261 482	311 096	98 157	-148 433	-60,2%
more than 3 years	342 984	385 405	343 597	279 445	-63 539	-18,5%
Other liabilities	365 998 038	349 956 475	495 244 940	428 931 080	62 933 042	17,2%
Other liabilities	365 948 223	349 918 075	495 152 009	428 872 625	62 924 402	17,2%
Accrued interest not yet paid	49 815	38 400	92 931	58 455	8 640	17,3%
EQUITY	5 230 199	7 790 699	6 032 752	287 124 270	281 894 071	5 389,7%
Capital	99 547	409 432	202 615	2 108 037	2 008 490	2 017,6%
Profit from previous years	-	-	-	207 751 624	207 751 624	-
Retained earnings from previous years	-	-	-	207 751 624	207 751 624	-
Current year profit	5 130 652	7 381 267	5 830 137	77 264 609	72 133 957	1 405,9%
Current year retained earnings	5 130 652	7 381 267	5 830 137	77 264 609	72 133 957	1 405,9%
OFF-BALANCE SHEET	6 182 033	1 486 449	5 322 148	2 503 108	-3 678 925	-59,5%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	2 878 318	968 550	2 332 124	1 922 828	-955 490	-33,2%
Guarantees issued	41 737	9 560	240 043	566 543	524 806	1 257,4%
Unused credit limits opened	1 644 864	928 556	1 942 009	1 221 160	-423 704	-25,8%
Unused guarantee limits	1 191 717	30 434	150 072	135 125	-1 056 592	-88,7%
Collateral on loans	1 700 135	218 346	2 422 613	194 035	-1 506 100	-88,6%
goods	1 700 135	218 346	2 422 613	194 035	-1 506 100	-88,6%
securities	-	-	-	-	-	-
Unprocessed payments	1 603 580	299 553	567 344	386 245	-1 217 335	-75,9%
Due to lack of funds on client accounts	1 603 580	299 553	567 344	386 245	-1 217 335	-75,9%
Other off-balance sheet accounts	-	-	67	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	67	-	-	-
Credit card balances	874	435	1 797	1 736	862	98,6%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-