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

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	INTERKAPITAL-BANK	add to comparison
Central Bank of Russia registration number: 2706

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.	01.12.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 067 922	15 362 227	682 340	14,4	22,5	-385 582	-36,1%
High liquid assets	311 271	2 371 346	25 172	7,6	3,5	-286 099	-91,9%
Cash and equivalents	253 712	1 842 659	21 261	7,3	2,7	-232 451	-91,6%
Cash	219 141	346 428	16 709	1,6	0,5	-202 432	-92,4%
in cash and en route	219 141	346 426	16 709	1,6	0,5	-202 432	-92,4%
in ATMs	-	2	-	-	-	-	-
Nostro account with Central Bank	34 571	1 496 231	4 552	43,3	2,2	-30 019	-86,8%
Nostro accounts	59 022	513 198	8 269	8,7	0,8	-50 753	-86,0%
Non-residents	99	53	113	0,5	0,0	14	14,1%
Residents	58 923	513 159	8 156	8,7	0,8	-50 767	-86,2%
Money in transfer	4 143	15 487	1 236	3,7	0,0	-2 907	-70,2%
Provision for impairment of high-liquid assets	-5 606	14	-5 594	0,0	0,0	12	-0,2%
Interest-earning assets	731 600	1 990 232	98 401	2,7	2,9	-633 199	-86,5%
Dues from banks	-	2 000	-	-	-	-	-
Non-residents	-	2 000	-	-	-	-	-
up to 30 days	-	2 000	-	-	-	-	-
Loans to corporate clients	647 555	1 463 631	75 943	2,3	2,1	-571 612	-88,3%
residents	984 382	1 201 138	25 315	1,2	1,8	-959 067	-97,4%
up to 30 days	1 359	919	440	0,7	0,0	-919	-67,6%
up to 180 days	51 100	51 100	-	1,0	0,1	-51 100	-100,0%
up to 1 year	691 916	909 112	24 875	1,3	1,3	-667 041	-96,4%
up to 3 years	240 007	240 007	-	1,0	0,4	-240 007	-100,0%
Past-due	51 547	142 237	109 051	2,8	0,2	57 504	111,6%
residents	51 547	142 237	109 051	2,8	0,2	57 504	111,6%
Provision for impairment of corporate loans	-388 374	554 844	-58 423	1,4	0,8	329 951	-85,0%
residents	-388 374	554 844	-58 423	1,4	0,8	329 951	-85,0%
Loans to private entrepreneurs	6 638	20 114	5 993	3,0	0,0	-645	-9,7%
up to 3 years	6 392	15 095	1 718	2,4	0,0	-4 674	-73,1%
Past-due	8 651	1 846	7 064	0,2	0,0	-1 587	-18,3%
Provision for impairment of loans to private entrepreneurs	-8 405	7 602	-2 789	0,9	0,0	5 616	-66,8%
Loans to individuals	77 407	504 487	16 465	6,5	0,7	-60 942	-78,7%
Standard	92 218	254 633	39 554	2,8	0,4	-52 664	-57,1%
up to 30 days	-	3 425	-	-	-	-	-
up to 180 days	3 425	3 591	-	1,0	0,0	-3 425	-100,0%
up to 1 year	5 094	14 360	10 896	2,8	0,0	5 802	113,9%
up to 3 years	12 562	22 970	16 204	1,8	0,0	3 642	29,0%
more than 3 years	71 137	219 731	12 454	3,1	0,3	-58 683	-82,5%
Past-due	60 840	59 736	3 230	1,0	0,1	-57 610	-94,7%
Past-due	60 840	59 736	3 230	1,0	0,1	-57 610	-94,7%
Provision for impairment of loans to individuals	-75 651	193 504	-26 319	2,6	0,3	49 332	-65,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	25 051	11 534 365	558 767	460,4	16,9	533 716	2 130,5%
Mandatory reserves with Central Bank	12 033	827	11 206	0,1	0,0	-827	-6,9%
Premises and equipment	6 607	1 386 500	3 771	209,9	2,0	-2 836	-42,9%
Purchase cost	13 368	1 386 390	7 652	103,7	2,0	-5 716	-42,8%
Depreciation	-6 761	2 990	-3 881	0,4	0,0	2 880	-42,6%
Accrued interest not yet received	-	11 370	5	-	-	5	-
Other assets	78 440	10 073 541	1 194 324	128,4	14,8	1 115 884	1 422,6%
Provision for impairment of other assets	-72 908	644 300	-651 418	8,8	0,9	-578 510	793,5%
Deferred tax asset	879	-	879	0,0	0,0	-	0,0%
LIABILITIES	564 062	1 952 063	365 547	3,5	2,9	-198 515	-35,2%
Dues to banks	1	27 352	1	27 352,0	0,0	-	0,0%
On demand	1	-	1	0,0	0,0	-	0,0%
Residents	1	-	1	0,0	0,0	-	0,0%
Other dues to banks	-	27 352	-	-	-	-	-
On demand	239 528	1 773 821	88 823	7,4	2,6	-150 705	-62,9%
Corporate clients	239 444	1 773 722	88 787	7,4	2,6	-150 657	-62,9%
Residents	239 438	1 773 719	88 780	7,4	2,6	-150 658	-62,9%
Non-residents	6	4	7	0,7	0,0	1	16,7%
Individuals	84	99	36	1,2	0,0	-48	-57,1%
Residents	84	99	36	1,2	0,0	-48	-57,1%
Term	204 189	201	204 000	0,0	0,0	-189	-0,1%
Corporate clients	204 000	-	204 000	0,0	0,0	-	0,0%
Residents	4 000	-	4 000	0,0	0,0	-	0,0%
up to 3 years	4 000	-	4 000	0,0	0,0	-	0,0%
Non-residents	200 000	-	200 000	0,0	0,0	-	0,0%
more than 3 years	200 000	-	200 000	0,0	0,0	-	0,0%
Individuals	189	201	-	1,1	0,0	-189	-100,0%
residents	189	201	-	1,1	0,0	-189	-100,0%
up to 180 days	57	69	-	1,2	0,0	-57	-100,0%
up to 1 year	39	39	-	1,0	0,0	-39	-100,0%
up to 3 years	93	93	-	1,0	0,0	-93	-100,0%
Securities issued	101 966	70 511	56 885	0,7	0,1	-45 081	-44,2%
Promissory notes	101 966	70 511	56 885	0,7	0,1	-45 081	-44,2%
on demand	48 576	29 378	29 558	0,6	0,0	-19 018	-39,2%
up to 180 days	8 485	15 000	15 000	1,8	0,0	6 515	76,8%
up to 1 year	22 308	22 308	-	1,0	0,0	-22 308	-100,0%
up to 3 years	12 502	9 000	3 502	0,7	0,0	-9 000	-72,0%
more than 3 years	11 621	1 340	10 281	0,1	0,0	-1 340	-11,5%
Discount accrued	-1 526	70	-1 456	0,0	0,0	70	-4,6%
Other liabilities	18 378	80 178	15 838	4,4	0,1	-2 540	-13,8%
Other liabilities	10 245	79 624	6 884	7,8	0,1	-3 361	-32,8%
Accrued interest not yet paid	8 133	1 375	8 954	0,2	0,0	821	10,1%
EQUITY	503 860	1 561 986	316 793	3,1	2,3	-187 067	-37,1%
Capital	490 000	-	490 000	0,0	0,0	-	0,0%
Profit from previous years	107 840	-	107 840	0,0	0,0	-	0,0%
Retained earnings from previous years	107 840	-	107 840	0,0	0,0	-	0,0%
Current year profit	-86 182	1 560 435	-274 421	18,1	2,3	-188 239	218,4%
Current year retained earnings	-86 182	1 560 435	-274 421	18,1	2,3	-188 239	218,4%
Future expenses	-7 798	2 723	-6 626	0,3	0,0	1 172	-15,0%
OFF-BALANCE SHEET	479 511	571 722	147 606	1,2	0,8	-331 905	-69,2%
Contingent liabilities	-202 214	136 278	-146 817	0,7	0,2	55 397	-27,4%
Guarantees issued	-201 324	55 098	-146 226	0,3	0,1	55 098	-27,4%
Unused credit limits opened	-890	81 180	-591	91,2	0,1	299	-33,6%
Collateral on loans	559 163	412 021	159 275	0,7	0,6	-399 888	-71,5%
goods	512 149	374 789	149 493	0,7	0,5	-362 656	-70,8%
securities	47 014	37 232	9 782	0,8	0,1	-37 232	-79,2%
Unprocessed payments	113 227	22 858	130 242	0,2	0,0	17 015	15,0%
Due to lack of funds on client accounts	113 227	22 858	130 242	0,2	0,0	17 015	15,0%
Other off-balance sheet accounts	9 335	4 994	4 906	0,5	0,0	-4 429	-47,4%
Accrued interest not yet received	9 336	4 994	4 907	0,5	0,0	-4 429	-47,4%
Written-off loans to banks	-1	-	-1	0,0	0,0	-	0,0%
Credit card balances	-	3 425	-	-	-	-	-
Past due ratio, total	1 005	-	6 419	0,0	0,0	5 414	538,7%
Past due ratio, individuals	3 975	-	755	0,0	0,0	-3 220	-81,0%
Past due ratio, corporates	498	-	8 116	0,0	0,0	7 618	1 529,7%
Past due ratio, entrepreneurs	5 751	-	8 044	0,0	0,0	2 293	39,9%
Past due ratio, corporates + entrepreneurs	573	-	8 112	0,0	0,0	7 539	1 315,7%
Risk-weighted assets	1 675 458	-	1 400 359	0,0	0,0	-275 099	-16,4%