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

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	EVROKREDIT	add to comparison
Central Bank of Russia registration number: 2957

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.	01.11.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	5 041 443	26 878 851	1 763 235	5,3	15,2	-3 278 208	-65,0%
High liquid assets	1 124 930	5 765 044	23 673	5,1	3,3	-1 101 257	-97,9%
Cash and equivalents	522 653	4 114 802	21 977	7,9	2,3	-500 676	-95,8%
Cash	284 748	2 454 288	8 018	8,6	1,4	-276 730	-97,2%
in cash and en route	278 734	2 453 366	2 504	8,8	1,4	-276 230	-99,1%
precious metals	6 014	922	5 514	0,2	0,0	-500	-8,3%
Nostro account with Central Bank	237 905	1 660 514	13 959	7,0	0,9	-223 946	-94,1%
Nostro accounts	745 653	836 721	704 176	1,1	0,5	-41 477	-5,6%
Non-residents	5 916	62 209	-	10,5	0,0	-5 916	-100,0%
Residents	739 737	774 512	704 176	1,0	0,4	-35 561	-4,8%
Money in transfer	3 258	118 853	822	36,5	0,1	-2 436	-74,8%
Provision for impairment of high-liquid assets	-146 634	694 668	-703 302	4,7	0,4	-556 668	379,6%
Interest-earning assets	2 928 813	2 878 375	908 804	1,0	1,6	-2 020 009	-69,0%
Dues from banks	-	-	-	-	-	-	-
Central Bank of Russia	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Securities	816	620 311	824	760,2	0,4	8	1,0%
Promissory notes	816	620 311	824	760,2	0,4	8	1,0%
Corporate	-	620 303	-	-	-	-	-
Banks	816	8	824	0,0	0,0	8	1,0%
Provision for impairment of promissory notes	-	-	-	-	-	-	-
Loans to corporate clients	2 552 531	2 103 969	657 030	0,8	1,2	-1 895 501	-74,3%
residents	2 559 965	1 868 278	792 497	0,7	1,1	-1 767 468	-69,0%
up to 30 days	-	-	-	-	-	-	-
up to 1 year	739 548	566 548	199 592	0,8	0,3	-539 956	-73,0%
up to 3 years	1 820 417	1 301 730	592 905	0,7	0,7	-1 227 512	-67,4%
Past-due	4 669	81 722	81 870	17,5	0,0	77 201	1 653,5%
residents	4 669	81 722	81 870	17,5	0,0	77 201	1 653,5%
Provision for impairment of corporate loans	-12 103	231 170	-217 337	19,1	0,1	-205 234	1 695,7%
residents	-12 103	231 170	-217 337	19,1	0,1	-205 234	1 695,7%
Loans to individuals	375 466	154 103	250 950	0,4	0,1	-124 516	-33,2%
Standard	374 211	54 189	341 851	0,1	0,0	-32 360	-8,6%
up to 30 days	2 312	683	1 818	0,3	0,0	-494	-21,4%
up to 1 year	6 160	5 542	618	0,9	0,0	-5 542	-90,0%
up to 3 years	338 681	43 453	316 431	0,1	0,0	-22 250	-6,6%
more than 3 years	27 058	4 511	22 984	0,2	0,0	-4 074	-15,1%
Past-due	3 055	6 090	9 126	2,0	0,0	6 071	198,7%
Past-due	3 055	6 090	9 126	2,0	0,0	6 071	198,7%
Provision for impairment of loans to individuals	-1 800	99 895	-100 027	55,5	0,1	-98 227	5 457,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	987 700	18 235 432	830 758	18,5	10,3	-156 942	-15,9%
Mandatory reserves with Central Bank	37 183	1 140	36 582	0,0	0,0	-601	-1,6%
Premises and equipment	224 709	3 187 393	406 322	14,2	1,8	181 613	80,8%
Purchase cost	237 436	3 186 416	418 274	13,4	1,8	180 838	76,2%
Depreciation	-12 727	977	-11 952	0,1	0,0	775	-6,1%
Accrued interest not yet received	30	6 110	21	203,7	0,0	-9	-30,0%
Non-current assets	-	1 012 906	123 404	-	-	123 404	-
Other assets	725 774	14 312 323	261 161	19,7	8,1	-464 613	-64,0%
Provision for impairment of other assets	-546	13 987	-366	25,6	0,0	180	-33,0%
Derivatives - assets	-	6 770	-	-	-	-	-
Deferred tax asset	550	3 084	3 634	5,6	0,0	3 084	560,7%
LIABILITIES	4 641 272	24 597 104	2 266 821	5,3	13,9	-2 374 451	-51,2%
Dues to banks	-	45 270	9 586	-	-	9 586	-
On demand	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
Term	-	9 588	9 586	-	-	9 586	-
Residents	-	9 581	9 579	-	-	9 579	-
up to 30 days	-	9 581	9 579	-	-	9 579	-
Non-residents	-	7	7	-	-	7	-
up to 30 days	-	7	7	-	-	7	-
Other dues to banks	-	35 682	-	-	-	-	-
On demand	779 052	9 963 427	857 151	12,8	5,7	78 099	10,0%
Corporate clients	647 277	4 508 997	155 892	7,0	2,6	-491 385	-75,9%
State-owned enterprises	14 074	22 024	71	1,6	0,0	-14 003	-99,5%
Residents	632 812	4 486 805	155 432	7,1	2,5	-477 380	-75,4%
Non-residents	391	168	389	0,4	0,0	-2	-0,5%
Individuals	131 775	5 945 815	701 259	45,1	3,4	569 484	432,2%
Residents	126 239	4 312 274	699 803	34,2	2,4	573 564	454,3%
Non-residents	5 536	1 637 621	1 456	295,8	0,9	-4 080	-73,7%
Term	3 230 264	2 524 826	839 032	0,8	1,4	-2 391 232	-74,0%
Corporate clients	92 035	2 047	90 000	0,0	0,0	-2 035	-2,2%
Residents	92 035	2 047	90 000	0,0	0,0	-2 035	-2,2%
up to 3 years	2 035	2 047	-	1,0	0,0	-2 035	-100,0%
more than 3 years	90 000	-	90 000	0,0	0,0	-	0,0%
Individuals	3 138 229	2 522 779	749 032	0,8	1,4	-2 389 197	-76,1%
residents	2 807 746	2 194 200	744 655	0,8	1,2	-2 063 091	-73,5%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	28 098	18 171	10 141	0,6	0,0	-17 957	-63,9%
up to 1 year	96 447	55 804	41 844	0,6	0,0	-54 603	-56,6%
up to 3 years	2 644 039	2 080 704	692 133	0,8	1,2	-1 951 906	-73,8%
more than 3 years	39 162	39 521	537	1,0	0,0	-38 625	-98,6%
non-residents	330 483	328 579	4 377	1,0	0,2	-326 106	-98,7%
up to 1 year	1 500	-	1 500	0,0	0,0	-	0,0%
up to 3 years	328 983	328 579	2 877	1,0	0,2	-326 106	-99,1%
Securities issued	571 401	601 111	-	1,1	0,3	-571 401	-100,0%
Promissory notes	571 401	601 111	-	1,1	0,3	-571 401	-100,0%
on demand	-	7 000	-	-	-	-	-
up to 180 days	77 450	77 450	-	1,0	0,0	-77 450	-100,0%
up to 1 year	407 690	429 430	-	1,1	0,2	-407 690	-100,0%
up to 3 years	86 261	87 231	-	1,0	0,0	-86 261	-100,0%
Other liabilities	60 555	12 050 652	561 052	199,0	6,8	500 497	826,5%
Other liabilities	45 611	11 826 504	358 384	259,3	6,7	312 773	685,7%
Accrued interest not yet paid	14 944	26 180	1 619	1,8	0,0	-13 325	-89,2%
Liabilities past-due	-	201 975	201 049	-	-	201 049	-
Derivatives - liabilities	-	9 318	-	-	-	-	-
EQUITY	400 171	1 512 282	-503 586	3,8	0,9	-903 757	-225,8%
Capital	183 695	820	183 695	0,0	0,0	-	0,0%
Profit from previous years	233 795	-	233 795	0,0	0,0	-	0,0%
Retained earnings from previous years	233 795	-	233 795	0,0	0,0	-	0,0%
Current year profit	-13 724	1 511 327	-917 838	110,1	0,9	-904 114	6 587,8%
Current year retained earnings	-13 724	1 511 327	-917 838	110,1	0,9	-904 114	6 587,8%
Future expenses	-3 595	492	-3 238	0,1	0,0	357	-9,9%
OFF-BALANCE SHEET	7 112 326	4 309 509	3 821 053	0,6	2,4	-3 291 273	-46,3%
Unused credit limits available	-	9 583	1	-	-	1	-
Contingent liabilities	-26 086	7 571	-22 579	0,3	0,0	3 507	-13,4%
Unused credit limits opened	-26 086	7 571	-22 579	0,3	0,0	3 507	-13,4%
Collateral on loans	6 395 947	4 080 563	2 892 042	0,6	2,3	-3 503 905	-54,8%
goods	6 074 835	3 746 372	2 589 264	0,6	2,1	-3 485 571	-57,4%
securities	321 112	334 191	302 778	1,0	0,2	-18 334	-5,7%
Unprocessed payments	740 729	202 971	942 673	0,3	0,1	201 944	27,3%
Due to lack of funds in bank	-	201 975	201 049	-	-	201 049	-
Due to lack of funds on client accounts	740 729	996	741 624	0,0	0,0	895	0,1%
Other off-balance sheet accounts	1 736	8 821	8 916	5,1	0,0	7 180	413,6%
Accrued interest not yet received	9 476	8 821	16 656	0,9	0,0	7 180	75,8%
Written-off interest	-1 735	-	-1 735	0,0	0,0	-	0,0%
Written-off loans	-6 005	-	-6 005	0,0	0,0	-	0,0%
Credit card balances	2 312	683	1 818	0,3	0,0	-494	-21,4%
Past due ratio, total	26	-	743	0,0	0,0	717	2 757,7%
Past due ratio, individuals	81	-	260	0,0	0,0	179	221,0%
Past due ratio, corporates	18	-	936	0,0	0,0	918	5 100,0%
Past due ratio, corporates + entrepreneurs	18	-	936	0,0	0,0	918	5 100,0%
Risk-weighted assets	4 786 826	-	-	0,0	0,0	-4 786 826	-100,0%