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

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	YUG-INVESTBANK	add to comparison
Central Bank of Russia registration number: 2772 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.


Turnover by thous. rub.					Period change
ASSETS	63 988 175	55 294 983	78 540 653	52 510 604	-11 477 571	-17,9%
High liquid assets	30 129 205	26 173 908	37 811 129	21 034 277	-9 094 928	-30,2%
Cash and equivalents	20 972 215	20 430 608	29 428 149	14 902 278	-6 069 937	-28,9%
Cash	4 518 403	3 882 385	4 111 298	2 523 139	-1 995 264	-44,2%
in cash and en route	4 471 400	3 835 929	4 047 635	2 492 611	-1 978 789	-44,3%
in ATMs	45 563	44 274	62 460	28 713	-16 850	-37,0%
precious metals	1 440	2 182	1 203	1 815	375	26,0%
Nostro account with Central Bank	16 453 812	16 548 223	25 316 851	12 379 139	-4 074 673	-24,8%
Nostro accounts	1 789 845	1 578 291	2 158 460	1 438 391	-351 454	-19,6%
Residents	1 789 845	1 578 291	2 158 460	1 438 391	-351 454	-19,6%
Money in transfer	7 367 145	4 165 009	6 224 520	4 693 608	-2 673 537	-36,3%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	13 892 574	14 129 467	21 628 577	12 220 980	-1 671 594	-12,0%
Dues from banks	12 951 000	13 022 985	19 880 796	11 441 500	-1 509 500	-11,7%
Central Bank of Russia	7 200 000	7 950 000	13 620 000	6 200 000	-1 000 000	-13,9%
Residents	5 751 000	5 072 985	6 260 796	5 241 500	-509 500	-8,9%
up to 30 days	5 751 000	5 072 985	6 260 796	5 241 500	-509 500	-8,9%
Securities	11 088	179 277	45 435	5 940	-5 148	-46,4%
Bonds	11 088	179 277	45 435	5 940	-5 148	-46,4%
Federal Loan Bonds (OFZs), OBRs	10 468	7 596	4 468	3 904	-6 564	-62,7%
Corporate bonds	401	170 786	36 607	2 031	1 630	406,5%
Valuation allowance	219	895	4 360	5	-214	-97,7%
Loans to corporate clients	667 992	714 806	1 002 851	701 245	33 253	5,0%
residents	619 706	651 842	689 455	603 881	-15 825	-2,6%
up to 30 days	137 850	119 095	127 555	69 432	-68 418	-49,6%
up to 180 days	-	-	-	17 080	17 080	-
up to 1 year	276 808	135 811	435 831	150 369	-126 439	-45,7%
up to 3 years	155 048	396 936	90 069	364 000	208 952	134,8%
more than 3 years	50 000	-	36 000	3 000	-47 000	-94,0%
Past-due	13 506	22 398	10 936	54 405	40 899	302,8%
residents	13 506	22 398	10 936	54 405	40 899	302,8%
Provision for impairment of corporate loans	34 780	40 566	302 460	42 959	8 179	23,5%
residents	34 780	40 566	302 460	42 959	8 179	23,5%
state-owned enterprises	-	-	-	-	-	-
Loans to private entrepreneurs	58 469	102 190	265 879	6 566	-51 903	-88,8%
up to 30 days	3 094	1 741	907	607	-2 487	-80,4%
up to 180 days	-	120	-	-	-	-
up to 1 year	27 000	2 500	13 440	-	-27 000	-100,0%
up to 3 years	1 791	933	132 699	2 947	1 156	64,5%
more than 3 years	-	80 881	-	1 500	1 500	-
Past-due	20 300	1 952	3 467	275	-20 025	-98,6%
Provision for impairment of loans to private entrepreneurs	6 284	14 063	115 366	1 237	-5 047	-80,3%
Loans to individuals	204 025	110 209	433 616	65 729	-138 296	-67,8%
Standard	194 865	97 666	227 109	55 620	-139 245	-71,5%
up to 30 days	1 127	1 288	1 503	947	-180	-16,0%
up to 180 days	-	-	-	-	-	-
up to 1 year	500	1 970	3 330	8 985	8 485	1 697,0%
up to 3 years	8 560	26 774	35 670	17 905	9 345	109,2%
more than 3 years	184 678	67 634	186 606	27 783	-156 895	-85,0%
Past-due	3 958	3 913	3 048	4 028	70	1,8%
Past-due	3 958	3 913	3 048	4 028	70	1,8%
Provision for impairment of loans to individuals	5 202	8 630	203 459	6 081	879	16,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	19 966 396	14 991 608	19 100 947	19 255 347	-711 049	-3,6%
Mandatory reserves with Central Bank	233	1 345	222	2 814	2 581	1 107,7%
Premises and equipment	513 659	511 751	573 828	9 659	-504 000	-98,1%
Purchase cost	513 659	511 751	570 631	9 543	-504 116	-98,1%
Depreciation	-	-	3 197	116	116	-
Accrued interest not yet received	36 797	39 120	37 718	45 031	8 234	22,4%
Other assets	19 363 138	14 424 045	18 377 098	19 189 521	-173 617	-0,9%
Provision for impairment of other assets	52 569	15 347	112 081	8 322	-44 247	-84,2%
LIABILITIES	27 972 788	23 731 413	30 312 439	23 408 542	-4 564 246	-16,3%
Dues to banks	371 052	451 123	565 948	385 247	14 195	3,8%
On demand	318 246	318 088	406 338	340 034	21 788	6,8%
Non-residents	318 246	318 088	406 338	340 034	21 788	6,8%
Other dues to banks	52 806	133 035	159 610	45 213	-7 593	-14,4%
On demand	11 511 872	9 917 541	13 758 667	7 091 979	-4 419 893	-38,4%
Corporate clients	10 868 237	9 405 692	13 057 641	6 711 919	-4 156 318	-38,2%
State-owned enterprises	43 199	48 503	70 688	36 097	-7 102	-16,4%
Residents	10 781 268	9 310 996	12 942 243	6 643 611	-4 137 657	-38,4%
Non-residents	43 770	46 193	44 710	32 211	-11 559	-26,4%
Individuals	643 635	511 849	701 026	380 060	-263 575	-41,0%
Residents	634 888	506 413	696 976	376 929	-257 959	-40,6%
Non-residents	8 747	5 436	4 050	3 131	-5 616	-64,2%
Term	1 132 936	1 182 240	1 625 260	723 737	-409 199	-36,1%
Corporate clients	243 186	381 948	866 951	477 500	234 314	96,4%
Residents	243 186	381 948	866 951	477 500	234 314	96,4%
up to 30 days	209 500	208 400	794 400	401 700	192 200	91,7%
up to 180 days	29 686	162 148	66 751	75 800	46 114	155,3%
up to 1 year	4 000	1 400	-	-	-4 000	-100,0%
up to 3 years	-	10 000	5 800	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	889 750	800 292	758 309	246 237	-643 513	-72,3%
residents	889 750	800 292	758 309	246 237	-643 513	-72,3%
up to 180 days	25	14	17	15	-10	-40,0%
up to 1 year	211	2	36 593	2	-209	-99,1%
up to 3 years	863 972	774 943	700 888	218 394	-645 578	-74,7%
more than 3 years	25 542	25 333	20 811	27 826	2 284	8,9%
Other liabilities	14 956 928	12 180 509	14 362 564	15 207 579	250 651	1,7%
Other liabilities	14 923 100	12 148 598	14 327 064	15 191 102	268 002	1,8%
Accrued interest not yet paid	33 828	31 911	35 500	16 477	-17 351	-51,3%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	307 906	343 673	403 296	7 156 233	6 848 327	2 224,2%
Capital	-	60 006	13 338	5 230	5 230	-
Profit from previous years	-	-	-	3 305 935	3 305 935	-
Retained earnings from previous years	-	-	-	3 305 935	3 305 935	-
Current year profit	307 906	283 667	389 958	3 845 068	3 537 162	1 148,8%
Current year retained earnings	307 906	283 667	389 958	3 845 068	3 537 162	1 148,8%
OFF-BALANCE SHEET	2 043 891	1 147 388	2 094 198	1 415 281	-628 610	-30,8%
Contingent liabilities	792 603	743 035	684 028	552 291	-240 312	-30,3%
Guarantees issued	500	9 651	23 154	5 000	4 500	900,0%
Unused credit limits opened	792 103	733 384	660 874	547 291	-244 812	-30,9%
Collateral on loans	991 113	338 994	1 109 165	627 571	-363 542	-36,7%
goods	991 113	333 974	1 109 165	627 571	-363 542	-36,7%
securities	-	5 020	-	-	-	-
Unprocessed payments	260 174	64 027	102 329	234 312	-25 862	-9,9%
Due to lack of funds on client accounts	260 174	64 027	102 329	234 312	-25 862	-9,9%
Other off-balance sheet accounts	1	1 332	198 676	1 107	1 106	110 600,0%
Written-off interest	-	275	52 584	89	89	-
Written-off loans	1	1 057	146 092	1 018	1 017	101 700,0%
Credit card balances	1 127	1 288	1 503	947	-180	-16,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-