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

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	IPOTEK BANK	add to comparison
Central Bank of Russia registration number: 2794

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.	01.03.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 363 657	9 674 911	1 215 886	7,1	8,0	-147 771	-10,8%
High liquid assets	262 823	4 179 681	211 714	15,9	3,4	-51 109	-19,4%
Cash and equivalents	193 144	3 498 108	199 470	18,1	2,9	6 326	3,3%
Cash	166 199	291 931	197 177	1,8	0,2	30 978	18,6%
in cash and en route	163 703	284 929	192 633	1,7	0,2	28 930	17,7%
in ATMs	2 496	7 002	4 544	2,8	0,0	2 048	82,1%
Nostro account with Central Bank	26 945	3 230 829	2 293	119,9	2,7	-24 652	-91,5%
Nostro accounts	66 909	673 646	9 581	10,1	0,6	-57 328	-85,7%
Residents	66 909	673 646	9 581	10,1	0,6	-57 328	-85,7%
Money in transfer	2 916	14 211	2 721	4,9	0,0	-195	-6,7%
Provision for impairment of high-liquid assets	-146	130	-58	0,9	0,0	88	-60,3%
Interest-earning assets	1 068 867	1 624 442	982 652	1,5	1,3	-86 215	-8,1%
Dues from banks	2 431	1 063 356	2 352	437,4	0,9	-79	-3,2%
Residents	2 452	1 063 353	2 373	433,7	0,9	-79	-3,2%
up to 30 days	2 137	1 063 353	2 058	497,6	0,9	-79	-3,7%
more than 180 days	315	-	315	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-21	3	-21	0,1	0,0	-	0,0%
Securities	88 954	376 760	55 719	4,2	0,3	-33 235	-37,4%
Promissory notes	88 954	376 760	55 719	4,2	0,3	-33 235	-37,4%
Banks	89 853	375 990	55 719	4,2	0,3	-34 134	-38,0%
Provision for impairment of promissory notes	-899	1 669	-	1,9	0,0	899	-100,0%
Loans to corporate clients	906 620	144 481	862 173	0,2	0,1	-44 447	-4,9%
residents	957 180	90 000	1 001 197	0,1	0,1	44 017	4,6%
up to 1 year	855 000	90 000	902 400	0,1	0,1	47 400	5,5%
up to 3 years	6 080	762	5 318	0,1	0,0	-762	-12,5%
more than 3 years	96 100	2 621	93 479	0,0	0,0	-2 621	-2,7%
Provision for impairment of corporate loans	-50 560	98 498	-139 024	1,9	0,1	-88 464	175,0%
residents	-50 560	98 498	-139 024	1,9	0,1	-88 464	175,0%
Loans to individuals	70 862	39 845	62 408	0,6	0,0	-8 454	-11,9%
Standard	64 452	25 968	54 974	0,4	0,0	-9 478	-14,7%
up to 30 days	246	514	112	2,1	0,0	-134	-54,5%
up to 1 year	-	2 000	2 000	-	-	2 000	-
up to 3 years	54 451	25 262	43 299	0,5	0,0	-11 152	-20,5%
more than 3 years	9 755	192	9 563	0,0	0,0	-192	-2,0%
Past-due	30 338	13 405	17 135	0,4	0,0	-13 203	-43,5%
Past-due	30 338	13 405	17 135	0,4	0,0	-13 203	-43,5%
Provision for impairment of loans to individuals	-23 928	14 699	-9 701	0,6	0,0	14 227	-59,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	31 967	3 870 788	21 520	121,1	3,2	-10 447	-32,7%
Mandatory reserves with Central Bank	27 686	302	27 439	0,0	0,0	-247	-0,9%
Premises and equipment	4 738	417 656	4 644	88,2	0,3	-94	-2,0%
Purchase cost	13 238	417 552	9 692	31,5	0,3	-3 546	-26,8%
Depreciation	-8 500	3 556	-5 048	0,4	0,0	3 452	-40,6%
Accrued interest not yet received	2	12 759	1	6 379,5	0,0	-1	-50,0%
Other assets	4 825	3 430 119	2 428	710,9	2,8	-2 397	-49,7%
Provision for impairment of other assets	-5 284	9 952	-12 992	1,9	0,0	-7 708	145,9%
LIABILITIES	1 129 976	6 319 156	1 058 377	5,6	5,2	-71 599	-6,3%
Dues to banks	70 000	472 778	50 000	6,8	0,4	-20 000	-28,6%
Term	70 000	469 000	50 000	6,7	0,4	-20 000	-28,6%
Residents	70 000	469 000	50 000	6,7	0,4	-20 000	-28,6%
up to 30 days	70 000	469 000	50 000	6,7	0,4	-20 000	-28,6%
Other dues to banks	-	3 778	-	-	-	-	-
On demand	196 954	2 258 300	104 668	11,5	1,9	-92 286	-46,9%
Corporate clients	165 074	1 762 451	84 697	10,7	1,4	-80 377	-48,7%
Residents	165 074	1 659 641	84 697	10,1	1,4	-80 377	-48,7%
Non-residents	-	102 810	-	-	-	-	-
Individuals	31 880	495 849	19 971	15,6	0,4	-11 909	-37,4%
Residents	31 027	154 737	19 339	5,0	0,1	-11 688	-37,7%
Non-residents	853	341 112	632	399,9	0,3	-221	-25,9%
Term	860 828	146 239	895 203	0,2	0,1	34 375	4,0%
Corporate clients	270 000	-	270 000	0,0	0,0	-	0,0%
Non-residents	270 000	-	270 000	0,0	0,0	-	0,0%
more than 3 years	270 000	-	270 000	0,0	0,0	-	0,0%
Individuals	590 828	146 239	625 203	0,2	0,1	34 375	5,8%
residents	590 795	146 215	625 171	0,2	0,1	34 376	5,8%
up to 180 days	62 801	10 976	67 640	0,2	0,0	4 839	7,7%
up to 1 year	527 046	135 144	556 686	0,3	0,1	29 640	5,6%
up to 3 years	918	189	792	0,2	0,0	-126	-13,7%
more than 3 years	30	32	53	1,1	0,0	23	76,7%
non-residents	33	25	32	0,8	0,0	-1	-3,0%
up to 3 years	33	24	12	0,7	0,0	-21	-63,6%
more than 3 years	-	21	20	-	-	20	-
Other liabilities	2 194	3 482 526	8 506	1 587,3	2,9	6 312	287,7%
Other liabilities	486	3 473 118	5 944	7 146,3	2,9	5 458	1 123,0%
Accrued interest not yet paid	1 708	9 408	2 562	5,5	0,0	854	50,0%
EQUITY	233 681	2 451 170	157 509	10,5	2,0	-76 172	-32,6%
Capital	175 535	-	175 535	0,0	0,0	-	0,0%
Profit from previous years	58 239	2 304 562	57 302	39,6	1,9	-937	-1,6%
Retained earnings from previous years	58 239	2 304 562	57 302	39,6	1,9	-937	-1,6%
Current year profit	2 972	146 360	-76 534	49,2	0,1	-79 506	-2 675,2%
Current year retained earnings	2 972	146 360	-76 534	49,2	0,1	-79 506	-2 675,2%
Future expenses	-3 065	4 519	1 206	1,5	0,0	4 271	-139,3%
OFF-BALANCE SHEET	1 224 716	232 119	1 248 220	0,2	0,2	23 504	1,9%
Unused credit limits available	250 000	-	250 000	0,0	0,0	-	0,0%
Contingent liabilities	-93 510	133 146	-105 604	1,4	0,1	-12 094	12,9%
Guarantees issued	-90 000	30 000	-60 000	0,3	0,0	30 000	-33,3%
Unused credit limits opened	-3 510	133 146	-45 604	37,9	0,1	-42 094	1 199,3%
Collateral on loans	1 057 319	98 896	1 089 871	0,1	0,1	32 552	3,1%
goods	1 044 946	98 896	1 077 498	0,1	0,1	32 552	3,1%
securities	12 373	-	12 373	0,0	0,0	-	0,0%
Unprocessed payments	10 238	3 087	13 308	0,3	0,0	3 070	30,0%
Due to lack of funds on client accounts	10 238	3 087	13 308	0,3	0,0	3 070	30,0%
Other off-balance sheet accounts	669	60	645	0,1	0,0	-24	-3,6%
Accrued interest not yet received	694	60	670	0,1	0,0	-24	-3,5%
Written-off loans	-25	-	-25	0,0	0,0	-	0,0%
Credit card balances	246	514	112	2,1	0,0	-134	-54,5%
Past due ratio, total	288	-	160	0,0	0,0	-128	-44,4%
Past due ratio, individuals	3 201	-	2 376	0,0	0,0	-825	-25,8%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	2 066 829	-	1 830 778	0,0	0,0	-236 051	-11,4%