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

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	CERIH	add to comparison
Central Bank of Russia registration number: 2627

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	3 053 309	4 694 975	4 978 628	4 162 022	1 108 713	36,3%
High liquid assets	2 305 727	3 112 918	3 211 961	2 654 358	348 631	15,1%
Cash and equivalents	1 736 219	2 473 994	2 374 560	2 030 209	293 990	16,9%
Cash	136 023	273 387	175 859	247 353	111 330	81,8%
in cash and en route	136 023	273 387	175 859	247 353	111 330	81,8%
Nostro account with Central Bank	1 600 196	2 200 607	2 198 701	1 782 856	182 660	11,4%
Nostro accounts	356 029	344 041	508 445	338 573	-17 456	-4,9%
Non-residents	29 030	63 162	23 554	40 044	11 014	37,9%
Residents	326 999	280 879	484 891	298 529	-28 470	-8,7%
Money in transfer	12 861	17 697	19 366	15 806	2 945	22,9%
Exchange accounts	200 618	277 186	309 590	269 770	69 152	34,5%
Interest-earning assets	530 178	1 295 234	1 386 339	931 474	401 296	75,7%
Dues from banks	358 000	1 205 000	1 095 000	670 000	312 000	87,2%
Residents	358 000	1 205 000	1 095 000	670 000	312 000	87,2%
up to 30 days	358 000	1 205 000	1 095 000	670 000	312 000	87,2%
more than 180 days	-	-	-	-	-	-
Securities	44 897	304	149 816	128 177	83 280	185,5%
Promissory notes	44 897	304	149 816	128 177	83 280	185,5%
Banks	44 897	304	149 816	128 177	83 280	185,5%
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	116 931	52 664	131 056	88 165	-28 766	-24,6%
residents	88 290	25 483	103 901	68 103	-20 187	-22,9%
up to 30 days	1 633	-	6 000	-	-1 633	-100,0%
up to 180 days	-	-	31 643	22 715	22 715	-
up to 1 year	47 817	25 483	53 832	42 724	-5 093	-10,7%
up to 3 years	38 840	-	12 426	2 664	-36 176	-93,1%
Past-due	-	-	-	657	657	-
residents	-	-	-	657	657	-
Provision for impairment of corporate loans	28 641	27 181	27 155	19 405	-9 236	-32,2%
residents	28 641	27 181	27 155	19 405	-9 236	-32,2%
Loans to private entrepreneurs	445	575	-	-	-445	-100,0%
up to 1 year	445	575	-	-	-445	-100,0%
Provision for impairment of loans to private entrepreneurs	-	-	-	-	-	-
Loans to individuals	9 731	9 338	10 311	45 132	35 401	363,8%
Standard	2 626	9 017	8 588	24 707	22 081	840,9%
up to 30 days	-	-	2	-	-	-
up to 180 days	299	249	247	534	235	78,6%
up to 1 year	1 759	5 196	7 646	3 782	2 023	115,0%
up to 3 years	568	3 572	693	20 391	19 823	3 490,0%
more than 3 years	-	-	-	-	-	-
Past-due	3 758	51	881	259	-3 499	-93,1%
Past-due	3 758	51	881	259	-3 499	-93,1%
Provision for impairment of loans to individuals	3 347	270	842	20 166	16 819	502,5%
Provision for impairment of loans past-due	174	27 353	156	-	-174	-100,0%
Other assets	217 404	286 823	380 328	576 190	358 786	165,0%
Mandatory reserves with Central Bank	-	417	721	798	798	-
Premises and equipment	89 647	117 362	100 560	67 594	-22 053	-24,6%
Purchase cost	89 633	117 362	100 422	67 594	-22 039	-24,6%
Depreciation	14	-	138	-	-14	-100,0%
Accrued interest not yet received	5 370	17 747	5 384	5 402	32	0,6%
Factoring	5 718	7 909	6 169	4 742	-976	-17,1%
Other assets	107 345	140 140	246 761	471 632	364 287	339,4%
Provision for impairment of other assets	9 324	3 248	20 733	26 022	16 698	179,1%
LIABILITIES	2 221 395	2 617 983	2 666 977	2 379 094	157 699	7,1%
Dues to banks	525 330	155 939	175 775	99 969	-425 361	-81,0%
On demand	-	53 235	13 947	7 777	7 777	-
Residents	-	53 235	13 947	7 777	7 777	-
Term	525 330	102 704	157 895	92 183	-433 147	-82,5%
Residents	525 330	102 704	157 895	92 183	-433 147	-82,5%
up to 30 days	525 330	102 704	157 895	92 183	-433 147	-82,5%
Other dues to banks	-	-	3 933	9	9	-
On demand	1 387 008	1 938 952	1 825 380	1 517 712	130 704	9,4%
Corporate clients	1 386 978	1 938 909	1 825 337	1 517 328	130 350	9,4%
State-owned enterprises	-	-	-	100	100	-
Residents	1 382 510	1 888 588	1 446 765	1 512 043	129 533	9,4%
Non-residents	4 468	50 321	378 572	5 185	717	16,0%
Individuals	30	43	43	384	354	1 180,0%
Residents	26	36	37	355	329	1 265,4%
Non-residents	4	7	6	29	25	625,0%
Term	4 530	29	19	15	-4 515	-99,7%
Corporate clients	4 500	-	-	-	-4 500	-100,0%
Residents	4 500	-	-	-	-4 500	-100,0%
up to 180 days	4 500	-	-	-	-4 500	-100,0%
Individuals	30	29	19	15	-15	-50,0%
residents	30	29	19	15	-15	-50,0%
up to 30 days	30	29	19	15	-15	-50,0%
non-residents	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Securities issued	21 007	100 136	100 121	-	-21 007	-100,0%
Promissory notes	21 007	100 136	100 121	-	-21 007	-100,0%
up to 30 days	19 507	100 136	100 121	-	-19 507	-100,0%
more than 180 days	1 500	-	-	-	-1 500	-100,0%
Other liabilities	283 520	422 927	565 682	761 398	477 878	168,6%
Other liabilities	283 396	422 777	565 555	761 394	477 998	168,7%
Accrued interest not yet paid	124	150	127	4	-120	-96,8%
EQUITY	50 430	57 349	1 194 000	61 608	11 178	22,2%
Capital	-	-	148 941	-	-	-
Profit from previous years	247	20	977 050	75	-172	-69,6%
Retained earnings from previous years	247	20	977 050	75	-172	-69,6%
Current year profit	50 077	56 911	67 878	61 428	11 351	22,7%
Current year retained earnings	50 077	56 911	67 878	61 428	11 351	22,7%
Future expenses	106	418	131	105	-1	-0,9%
OFF-BALANCE SHEET	79 163	242 762	228 225	91 180	12 017	15,2%
Contingent liabilities	46 170	37 446	120 687	50 815	4 645	10,1%
Guarantees issued	355	240	7 542	17	-338	-95,2%
Unused credit limits opened	45 815	37 206	113 145	50 798	4 983	10,9%
Collateral on loans	30 450	199 376	106 279	20 330	-10 120	-33,2%
goods	28 950	199 376	106 279	20 330	-8 620	-29,8%
securities	1 500	-	-	-	-1 500	-100,0%
Other off-balance sheet accounts	2 543	5 940	1 259	20 035	17 492	687,8%
Accrued interest not yet received	2 543	2 060	1 259	1 273	-1 270	-49,9%
Written-off interest	-	565	-	5 641	5 641	-
Written-off loans	-	3 315	-	13 121	13 121	-
Credit card balances	-	-	2	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-