Kuap. Ru - Balance sheet with turnover of БИЗНЕС-СЕРВИС-ТРАСТ, analysis of turnover of bank's accounts

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	BIZNES-SERVIS-TRAST	add to comparison
Central Bank of Russia registration number: 2883 retail lending

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	5 520 229	5 331 580	6 836 374	4 461 700	-1 058 529	-19,2%
High liquid assets	3 177 692	2 894 387	3 651 978	2 385 663	-792 029	-24,9%
Cash and equivalents	2 618 749	2 602 109	3 331 711	2 022 624	-596 125	-22,8%
Cash	148 550	103 378	175 184	71 618	-76 932	-51,8%
in cash and en route	118 050	89 378	147 184	64 618	-53 432	-45,3%
in ATMs	30 500	14 000	28 000	7 000	-23 500	-77,0%
Nostro account with Central Bank	2 470 199	2 498 731	3 156 527	1 951 006	-519 193	-21,0%
Nostro accounts	320 006	167 401	213 631	166 592	-153 414	-47,9%
Residents	320 006	167 401	213 631	166 592	-153 414	-47,9%
Money in transfer	238 937	124 877	106 636	196 447	-42 490	-17,8%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	2 079 852	2 155 593	2 787 567	1 614 828	-465 024	-22,4%
Dues from banks	1 775 373	1 745 000	2 395 000	1 395 215	-380 158	-21,4%
Central Bank of Russia	1 775 000	1 745 000	2 395 000	1 395 000	-380 000	-21,4%
Residents	373	-	-	215	-158	-42,4%
up to 30 days	373	-	-	215	-158	-42,4%
Securities	100 035	78 132	108 067	101 665	1 630	1,6%
Bonds	99 854	78 122	107 991	101 665	1 811	1,8%
Federal Loan Bonds (OFZs), OBRs	18 777	13 408	3 129	32 556	13 779	73,4%
Corporate bonds	60 334	29 951	52 381	41 822	-18 512	-30,7%
Financial institutions bonds	20 256	24 164	40 155	20 037	-219	-1,1%
Foreign sovereign bonds	31	9 510	9 274	4 945	4 914	15 851,6%
Valuation allowance	456	1 089	3 052	2 305	1 849	405,5%
Stocks	181	10	76	-	-181	-100,0%
Residents	-	-	-	-	-	-
Valuation allowance	181	10	76	-	-181	-100,0%
Loans to corporate clients	116 758	267 734	201 294	86 440	-30 318	-26,0%
residents	106 188	241 818	168 186	80 829	-25 359	-23,9%
up to 30 days	106 131	235 951	146 904	74 045	-32 086	-30,2%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	3 000	3 000	-
up to 3 years	-	400	17 222	100	100	-
more than 3 years	57	5 467	4 060	3 684	3 627	6 363,2%
Past-due	6 593	11 073	3 243	2 993	-3 600	-54,6%
residents	6 593	11 073	3 243	2 993	-3 600	-54,6%
Provision for impairment of corporate loans	3 977	14 843	29 865	2 618	-1 359	-34,2%
residents	3 977	14 843	29 865	2 618	-1 359	-34,2%
Loans to private entrepreneurs	2 640	1 798	3 342	1 938	-702	-26,6%
up to 30 days	2 431	1 762	2 899	1 866	-565	-23,2%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	164	1	248	43	-121	-73,8%
Provision for impairment of loans to private entrepreneurs	45	35	195	29	-16	-35,6%
Loans to individuals	85 046	62 929	79 864	29 570	-55 476	-65,2%
Standard	70 017	50 527	56 509	18 613	-51 404	-73,4%
up to 1 year	900	450	950	900	-	0,0%
up to 3 years	2 590	1 414	5 770	881	-1 709	-66,0%
more than 3 years	66 527	48 663	49 789	16 832	-49 695	-74,7%
Past-due	5 160	4 135	4 511	4 004	-1 156	-22,4%
Past-due	5 160	4 135	4 511	4 004	-1 156	-22,4%
Provision for impairment of loans to individuals	9 869	8 267	18 844	6 953	-2 916	-29,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	262 685	281 600	396 829	461 209	198 524	75,6%
Mandatory reserves with Central Bank	-	-	83	79	79	-
Premises and equipment	145 908	95 088	246 442	171 889	25 981	17,8%
Purchase cost	145 908	95 088	246 442	171 574	25 666	17,6%
Depreciation	-	-	-	315	315	-
Accrued interest not yet received	23 176	20 500	23 805	20 779	-2 397	-10,3%
Other assets	90 790	158 373	117 976	265 815	175 025	192,8%
Provision for impairment of other assets	2 811	7 351	8 523	2 647	-164	-5,8%
Deferred tax asset	-	288	-	-	-	-
LIABILITIES	1 585 350	1 781 391	2 074 026	1 624 747	39 397	2,5%
Dues to banks	53 579	55 326	54 183	33 372	-20 207	-37,7%
Other dues to banks	53 579	55 326	54 183	33 372	-20 207	-37,7%
On demand	1 175 733	1 294 658	1 448 758	827 525	-348 208	-29,6%
Corporate clients	986 734	1 146 067	1 291 795	741 412	-245 322	-24,9%
Residents	986 734	1 146 060	1 291 787	741 407	-245 327	-24,9%
Non-residents	-	7	8	5	5	-
Individuals	188 999	148 591	156 963	86 113	-102 886	-54,4%
Residents	188 999	148 591	156 963	86 113	-102 886	-54,4%
Term	125 997	123 634	110 409	330 367	204 370	162,2%
Corporate clients	-	-	19	95 000	95 000	-
Residents	-	-	19	95 000	95 000	-
up to 180 days	-	-	-	-	-	-
up to 3 years	-	-	19	-	-	-
more than 3 years	-	-	-	95 000	95 000	-
Individuals	125 997	123 634	110 390	235 367	109 370	86,8%
residents	125 997	123 634	110 390	235 367	109 370	86,8%
up to 180 days	364	50	10	265	-99	-27,2%
up to 1 year	1 108	1 412	4 365	2 178	1 070	96,6%
up to 3 years	4 625	10 847	17 860	4 176	-449	-9,7%
more than 3 years	119 900	111 325	88 155	228 748	108 848	90,8%
Other liabilities	230 041	307 773	460 676	433 483	203 442	88,4%
Other liabilities	220 703	298 276	451 236	423 496	202 793	91,9%
Accrued interest not yet paid	9 338	9 497	9 440	9 987	649	7,0%
EQUITY	55 217	83 822	87 446	1 681 079	1 625 862	2 944,5%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	806 868	806 868	-
Retained earnings from previous years	-	-	-	806 868	806 868	-
Current year profit	55 217	83 822	87 446	874 211	818 994	1 483,2%
Current year retained earnings	55 217	83 822	87 446	874 211	818 994	1 483,2%
OFF-BALANCE SHEET	149 890	353 153	368 485	153 227	3 337	2,2%
Contingent liabilities	111 910	280 906	194 685	85 994	-25 916	-23,2%
Unused credit limits opened	111 910	280 906	194 685	85 994	-25 916	-23,2%
Collateral on loans	18 504	63 512	67 158	54 691	36 187	195,6%
goods	18 504	63 512	67 158	54 691	36 187	195,6%
securities	-	-	-	-	-	-
Unprocessed payments	19 476	8 735	106 642	12 542	-6 934	-35,6%
Due to lack of funds on client accounts	19 476	8 735	106 642	12 542	-6 934	-35,6%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-