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

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	BINBANK DIGITAL	add to comparison
Central Bank of Russia registration number: 2827 retail lending, under resolution, CB RF representative

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	183 983 776	212 523 587	191 347 909	200 953 017	16 969 241	9,2%
High liquid assets	83 280 127	94 966 340	87 578 525	92 261 390	8 981 263	10,8%
Cash and equivalents	5 023 647	5 641 529	5 039 721	5 457 645	433 998	8,6%
Nostro account with Central Bank	5 023 647	5 641 529	5 039 721	5 457 645	433 998	8,6%
Nostro accounts	67 702 443	77 663 733	71 273 524	73 768 324	6 065 881	9,0%
Non-residents	2 130 134	2 367 820	2 107 221	3 067 490	937 356	44,0%
Residents	65 572 309	75 295 913	69 166 303	70 700 834	5 128 525	7,8%
Money in transfer	10 553 955	11 661 076	11 265 280	12 860 643	2 306 688	21,9%
Provision for impairment of high-liquid assets	82	2	-	174 778	174 696	213 043,9%
Interest-earning assets	64 302 173	75 353 015	67 393 193	68 671 369	4 369 196	6,8%
Dues from banks	61 851 437	71 095 504	64 805 021	65 798 667	3 947 230	6,4%
Residents	60 000 000	69 000 000	63 000 000	63 000 000	3 000 000	5,0%
up to 30 days	60 000 000	69 000 000	63 000 000	63 000 000	3 000 000	5,0%
Non-residents	1 851 437	2 095 504	1 805 021	2 798 667	947 230	51,2%
up to 30 days	1 851 437	2 095 504	1 805 021	2 798 667	947 230	51,2%
Securities	43 513	51	8 615	-	-43 513	-100,0%
Stocks	43 513	51	8 615	-	-43 513	-100,0%
Residents	-	-	-	-	-	-
Valuation allowance	43 513	-	8 615	-	-43 513	-100,0%
Provision for impairment of stocks	-	51	-	-	-	-
Loans to corporate clients	-	-	18 854	71 815	71 815	-
non-residents	-	-	18 854	71 815	71 815	-
up to 30 days	-	-	18 854	71 815	71 815	-
Loans to individuals	2 407 223	4 257 460	2 560 703	2 800 887	393 664	16,4%
Standard	1 908 513	2 126 380	2 037 897	2 181 962	273 449	14,3%
up to 30 days	1 908 513	2 126 253	2 037 897	2 181 962	273 449	14,3%
up to 3 years	-	127	-	-	-	-
more than 3 years	-	-	-	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	155 704	1 055 670	146 418	194 224	38 520	24,7%
Past-due	155 704	1 055 670	146 418	194 224	38 520	24,7%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	343 006	1 075 410	376 388	424 701	81 695	23,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	36 401 476	42 204 232	36 376 191	40 020 258	3 618 782	9,9%
Mandatory reserves with Central Bank	3 336	315	-	342	-2 994	-89,7%
Premises and equipment	48 141	1 509 694	29 344	391 976	343 835	714,2%
Purchase cost	36 234	1 506 767	22 221	326 756	290 522	801,8%
Depreciation	11 907	2 927	7 123	65 220	53 313	447,7%
Accrued interest not yet received	211 149	215 694	204 240	205 260	-5 889	-2,8%
Other assets	36 028 227	40 318 586	36 093 421	39 296 415	3 268 188	9,1%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	110 623	159 943	49 186	126 265	15 642	14,1%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	62 412 872	69 669 396	65 557 748	74 501 177	12 088 305	19,4%
On demand	14 600 424	16 065 168	16 550 152	19 723 234	5 122 810	35,1%
Corporate clients	40 188	56 709	72 610	73 133	32 945	82,0%
State-owned enterprises	-	1	-	-	-	-
Residents	39 207	56 095	71 851	71 700	32 493	82,9%
Non-residents	981	613	759	1 433	452	46,1%
Individuals	14 560 236	16 008 459	16 477 542	19 650 101	5 089 865	35,0%
Residents	14 316 296	15 749 520	16 228 957	19 325 111	5 008 815	35,0%
Non-residents	243 940	258 939	248 585	324 990	81 050	33,2%
Term	68 565	63 443	43 923	44 867	-23 698	-34,6%
Corporate clients	-	-	-	-	-	-
Residents	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Individuals	68 565	63 443	43 923	44 867	-23 698	-34,6%
residents	65 128	61 836	43 445	44 687	-20 441	-31,4%
up to 30 days	-	-	-	-	-	-
up to 180 days	2 309	4 548	2 361	3 619	1 310	56,7%
up to 1 year	12 353	7 696	7 929	7 112	-5 241	-42,4%
up to 3 years	50 182	49 312	32 835	33 289	-16 893	-33,7%
more than 3 years	284	280	320	667	383	134,9%
non-residents	3 437	1 607	478	180	-3 257	-94,8%
up to 30 days	-	-	-	-	-	-
up to 180 days	65	43	38	18	-47	-72,3%
up to 1 year	225	156	210	63	-162	-72,0%
up to 3 years	3 147	1 408	230	99	-3 048	-96,9%
more than 3 years	-	-	-	-	-	-
Other liabilities	47 743 883	53 540 785	48 963 673	54 733 076	6 989 193	14,6%
Other liabilities	47 726 325	53 522 898	48 946 899	54 709 112	6 982 787	14,6%
Accrued interest not yet paid	17 558	17 887	16 774	16 943	-615	-3,5%
Deferred tax liabilities	-	-	-	7 021	7 021	-
EQUITY	1 346 830	2 605 163	1 052 219	31 354 958	30 008 128	2 228,1%
Capital	38 586	32 055	8 596	6 127	-32 459	-84,1%
Profit from previous years	-	-	-	14 550 636	14 550 636	-
Retained earnings from previous years	-	-	-	14 550 636	14 550 636	-
Current year profit	1 308 228	2 573 108	1 043 542	16 798 184	15 489 956	1 184,0%
Current year retained earnings	1 308 228	2 573 108	1 043 542	16 798 184	15 489 956	1 184,0%
Future expenses	16	-	81	11	-5	-31,3%
OFF-BALANCE SHEET	3 181 854	3 672 116	3 254 099	3 604 498	422 644	13,3%
Contingent liabilities	2 992 675	3 263 892	3 106 680	3 301 582	308 907	10,3%
Unused credit limits opened	2 992 675	3 263 892	3 106 680	3 301 582	308 907	10,3%
Collateral on loans	1 084	12 490	665	126 131	125 047	11 535,7%
goods	1 084	12 490	665	126 131	125 047	11 535,7%
Unprocessed payments	43 284	198 512	18 442	23 920	-19 364	-44,7%
Due to lack of funds on client accounts	43 284	198 512	18 442	23 920	-19 364	-44,7%
Other off-balance sheet accounts	144 811	197 222	128 312	152 865	8 054	5,6%
Accrued interest not yet received	140 757	147 542	123 241	124 593	-16 164	-11,5%
Written-off interest	889	1 093	1 332	28 013	27 124	3 051,1%
Written-off loans	3 165	48 587	3 739	259	-2 906	-91,8%
Credit card balances	1 908 513	2 126 253	2 037 897	2 181 962	273 449	14,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-