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

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	RUBANK	add to comparison
Central Bank of Russia registration number: 2813 retail lending, 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.


Balance sheet position, thous. rub.	01.07.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 115 220	65 383 422	1 842 416	30,9	35,5	-272 804	-12,9%
High liquid assets	810 800	18 306 560	453 391	22,6	9,9	-357 409	-44,1%
Cash and equivalents	313 399	7 835 057	217 911	25,0	4,3	-95 488	-30,5%
Cash	264 339	3 059 247	171 068	11,6	1,7	-93 271	-35,3%
in cash and en route	168 835	2 615 125	110 051	15,5	1,4	-58 784	-34,8%
in ATMs	95 504	444 122	61 017	4,7	0,2	-34 487	-36,1%
Nostro account with Central Bank	49 060	4 775 810	46 843	97,3	2,6	-2 217	-4,5%
Nostro accounts	330 115	5 375 620	125 981	16,3	2,9	-204 134	-61,8%
Residents	330 115	5 375 620	125 981	16,3	2,9	-204 134	-61,8%
Money in transfer	22 092	1 448 345	52 921	65,6	0,8	30 829	139,5%
Exchange accounts	145 605	3 678 277	57 043	25,3	2,0	-88 562	-60,8%
Provision for impairment of high-liquid assets	-411	90	-465	0,2	0,0	-54	13,1%
Interest-earning assets	1 256 111	2 683 426	1 346 589	2,1	1,5	90 478	7,2%
Dues from banks	237 021	2 060 000	237 021	8,7	1,1	-	0,0%
Central Bank of Russia	-	2 060 000	-	-	-	-	-
Residents	300 027	-	300 027	0,0	0,0	-	0,0%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	300 027	-	300 027	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-63 006	-	-63 006	0,0	0,0	-	0,0%
Securities	526 991	480 266	674 580	0,9	0,3	147 589	28,0%
Bonds	424 871	474 936	669 645	1,1	0,3	244 774	57,6%
Federal Loan Bonds (OFZs), OBRs	2 898	100 783	103 681	34,8	0,1	100 783	3 477,7%
Corporate bonds	51 477	57 096	47 176	1,1	0,0	-4 301	-8,4%
Financial institutions bonds	51 629	678	52 278	0,0	0,0	649	1,3%
Corporate foreign bonds	131 984	307 917	434 078	2,3	0,2	302 094	228,9%
Valuation allowance	-392	786	-161	2,0	0,0	231	-58,9%
Pledged under REPO	187 275	166 659	32 593	0,9	0,1	-154 682	-82,6%
Promissory notes	54 605	55 000	4 935	1,0	0,0	-49 670	-91,0%
Banks	54 605	55 000	4 935	1,0	0,0	-49 670	-91,0%
Provision for impairment of promissory notes	-	-	-	-	-	-	-
Stocks	47 515	47 515	-	1,0	0,0	-47 515	-100,0%
Residents	45 000	45 000	-	1,0	0,0	-45 000	-100,0%
Valuation allowance	2 515	2 515	-	1,0	0,0	-2 515	-100,0%
Loans to corporate clients	66 603	65 193	8 091	1,0	0,0	-58 512	-87,9%
residents	73 205	65 000	8 205	0,9	0,0	-65 000	-88,8%
up to 1 year	73 205	65 000	8 205	0,9	0,0	-65 000	-88,8%
Past-due	1 025	-	1 025	0,0	0,0	-	0,0%
residents	1 025	-	1 025	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-7 627	6 627	-1 139	0,9	0,0	6 488	-85,1%
residents	-7 627	6 627	-1 139	0,9	0,0	6 488	-85,1%
Loans to individuals	425 496	136 533	426 897	0,3	0,1	1 401	0,3%
Standard	566 528	73 754	543 725	0,1	0,0	-22 803	-4,0%
up to 180 days	17 120	10 739	21 547	0,6	0,0	4 427	25,9%
up to 1 year	43 679	15 001	49 085	0,3	0,0	5 406	12,4%
up to 3 years	136 236	22 844	143 876	0,2	0,0	7 640	5,6%
more than 3 years	369 493	42 643	329 217	0,1	0,0	-40 276	-10,9%
Memo: mortgage loans	5 122	-	4 888	0,0	0,0	-234	-4,6%
Past-due	113 630	27 008	121 131	0,2	0,0	7 501	6,6%
Past-due	113 630	27 008	121 131	0,2	0,0	7 501	6,6%
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-254 662	58 574	-237 959	0,2	0,0	16 703	-6,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	48 309	44 483 914	42 436	920,8	24,1	-5 873	-12,2%
Mandatory reserves with Central Bank	11 278	370	11 628	0,0	0,0	350	3,1%
Premises and equipment	11 933	194 638	11 788	16,3	0,1	-145	-1,2%
Purchase cost	20 018	194 493	20 160	9,7	0,1	142	0,7%
Depreciation	-8 085	287	-8 372	0,0	0,0	-287	3,5%
Accrued interest not yet received	9 053	22 871	11 925	2,5	0,0	2 872	31,7%
Other assets	22 955	44 260 726	17 787	1 928,2	24,0	-5 168	-22,5%
Provision for impairment of other assets	-6 910	8 531	-10 692	1,2	0,0	-3 782	54,7%
LIABILITIES	1 740 070	47 174 053	1 429 375	27,1	25,6	-310 695	-17,9%
Dues to banks	20 558	280 993	53	13,7	0,2	-20 505	-99,7%
On demand	20 558	277 654	53	13,5	0,2	-20 505	-99,7%
Residents	20 558	277 654	53	13,5	0,2	-20 505	-99,7%
Other dues to banks	-	3 339	-	-	-	-	-
On demand	415 572	2 461 219	130 690	5,9	1,3	-284 882	-68,6%
Corporate clients	376 697	2 061 770	90 599	5,5	1,1	-286 098	-75,9%
Residents	244 766	1 939 340	67 794	7,9	1,1	-176 972	-72,3%
Non-residents	131 931	122 430	22 805	0,9	0,1	-109 126	-82,7%
Individuals	38 875	400 665	40 091	10,3	0,2	1 216	3,1%
Residents	38 547	400 061	39 865	10,4	0,2	1 318	3,4%
Non-residents	328	706	226	2,2	0,0	-102	-31,1%
Term	1 236 051	77 525	1 234 579	0,1	0,0	-1 472	-0,1%
Corporate clients	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Individuals	1 236 051	77 525	1 234 579	0,1	0,0	-1 472	-0,1%
residents	1 224 391	75 838	1 224 261	0,1	0,0	-130	-0,0%
up to 180 days	6 527	2 071	4 457	0,3	0,0	-2 070	-31,7%
up to 1 year	80 978	8 405	74 919	0,1	0,0	-6 059	-7,5%
up to 3 years	1 136 886	73 361	1 144 885	0,1	0,0	7 999	0,7%
non-residents	11 660	1 687	10 318	0,1	0,0	-1 342	-11,5%
up to 180 days	545	545	173	1,0	0,0	-372	-68,3%
up to 1 year	775	-	775	0,0	0,0	-	0,0%
up to 3 years	10 340	1 142	9 370	0,1	0,0	-970	-9,4%
Other liabilities	67 889	44 354 316	64 053	653,3	24,1	-3 836	-5,7%
Other liabilities	47 651	44 342 798	42 701	930,6	24,1	-4 950	-10,4%
Accrued interest not yet paid	19 425	12 632	20 539	0,7	0,0	1 114	5,7%
Deferred tax liabilities	813	-	813	0,0	0,0	-	0,0%
EQUITY	375 150	387 814	413 041	1,0	0,2	37 891	10,1%
Capital	240 023	59 648	237 739	0,2	0,0	-2 284	-1,0%
Profit from previous years	110 459	-	110 459	0,0	0,0	-	0,0%
Retained earnings from previous years	110 459	-	110 459	0,0	0,0	-	0,0%
Current year profit	24 984	330 348	65 391	13,2	0,2	40 407	161,7%
Current year retained earnings	24 984	330 348	65 391	13,2	0,2	40 407	161,7%
Future expenses	-316	334	-548	1,1	0,0	-232	73,4%
OFF-BALANCE SHEET	347 120	186 521	145 616	0,5	0,1	-201 504	-58,1%
Contingent liabilities	-9 242	65 219	-9 351	7,1	0,0	-109	1,2%
Guarantees issued	-6 895	-	-6 895	0,0	0,0	-	0,0%
Unused credit limits opened	-2 347	65 219	-2 456	27,8	0,0	-109	4,6%
Collateral on loans	187 218	90 640	96 578	0,5	0,0	-90 640	-48,4%
goods	187 218	90 640	96 578	0,5	0,0	-90 640	-48,4%
Unprocessed payments	113 179	107 252	6 127	0,9	0,1	-107 052	-94,6%
Due to lack of funds on client accounts	113 179	107 252	6 127	0,9	0,1	-107 052	-94,6%
Other off-balance sheet accounts	55 965	14 050	52 262	0,3	0,0	-3 703	-6,6%
Accrued interest not yet received	66 413	14 050	62 710	0,2	0,0	-3 703	-5,6%
Written-off interest	-1 446	-	-1 446	0,0	0,0	-	0,0%
Written-off loans	-9 002	-	-9 002	0,0	0,0	-	0,0%
Past due ratio, total	1 520	-	1 812	0,0	0,0	292	19,2%
Past due ratio, individuals	1 671	-	1 822	0,0	0,0	151	9,0%
Past due ratio, corporates	138	-	1 111	0,0	0,0	973	705,1%
Past due ratio, corporates + entrepreneurs	138	-	1 111	0,0	0,0	973	705,1%
Risk-weighted assets	1 804 187	-	1 858 515	0,0	0,0	54 328	3,0%