Kuap. Ru - Balance sheet with turnover of РУССКИЙ ИНВЕСТИЦИОННЫЙ АЛЬЯНС, analysis of turnover of bank's accounts

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	RUSSKIY INVESTICIONNIY ALYANS	add to comparison
Central Bank of Russia registration number: 3434 complies with 214-FZ (equity construction)

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	14 439 509	11 676 247	11 973 986	9 157 252	-5 282 257	-36,6%
High liquid assets	6 458 788	5 164 008	5 604 808	4 198 499	-2 260 289	-35,0%
Cash and equivalents	4 239 309	3 293 989	3 477 425	2 770 836	-1 468 473	-34,6%
Cash	2 412 657	1 060 392	1 214 915	1 098 023	-1 314 634	-54,5%
in cash and en route	2 399 015	1 048 350	1 191 497	1 089 615	-1 309 400	-54,6%
in ATMs	13 642	12 042	23 418	8 408	-5 234	-38,4%
Nostro account with Central Bank	1 826 652	2 233 597	2 262 510	1 672 813	-153 839	-8,4%
Nostro accounts	546 625	488 483	602 897	239 075	-307 550	-56,3%
Non-residents	418 633	343 325	410 198	68 296	-350 337	-83,7%
Residents	127 992	145 158	192 699	170 779	42 787	33,4%
Money in transfer	33 379	351 297	268 920	458 298	424 919	1 273,0%
Exchange accounts	1 638 197	1 028 167	1 253 909	728 114	-910 083	-55,6%
Provision for impairment of high-liquid assets	1 278	2 072	1 657	2 176	898	70,3%
Interest-earning assets	877 539	322 426	609 375	1 303 628	426 089	48,6%
Dues from banks	260 172	30 000	-	436 904	176 732	67,9%
Residents	260 172	30 000	-	405 404	145 232	55,8%
up to 30 days	260 172	30 000	-	405 404	145 232	55,8%
Provision for impairment of loans to banks	-	-	-	31 500	31 500	-
Securities	156 654	52 606	364 172	760 621	603 967	385,5%
Bonds	156 654	52 606	364 172	760 621	603 967	385,5%
Federal Loan Bonds (OFZs), OBRs	156 442	199	10 552	37 797	-118 645	-75,8%
Corporate bonds	-	52 407	189 532	370 650	370 650	-
Valuation allowance	161	-	174	683	522	324,2%
Pledged under REPO	51	-	163 914	351 491	351 440	689 098,0%
Loans to corporate clients	366 668	226 579	210 811	94 313	-272 355	-74,3%
residents	359 117	221 306	209 087	92 209	-266 908	-74,3%
up to 30 days	97 610	122 357	85 437	73 155	-24 455	-25,1%
up to 180 days	28 664	55 788	21 846	1 536	-27 128	-94,6%
up to 1 year	72 116	26 476	57 319	14 065	-58 051	-80,5%
up to 3 years	3 132	14 247	1 484	1 358	-1 774	-56,6%
more than 3 years	157 595	2 438	43 001	2 095	-155 500	-98,7%
state-owned enterprises	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
Past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of corporate loans	7 551	5 273	1 724	2 104	-5 447	-72,1%
residents	7 551	5 273	1 724	2 104	-5 447	-72,1%
Loans to individuals	94 045	13 241	34 392	11 790	-82 255	-87,5%
Standard	20 520	8 884	28 257	7 537	-12 983	-63,3%
up to 30 days	578	1 038	515	615	37	6,4%
up to 180 days	2 050	-	-	600	-1 450	-70,7%
up to 1 year	2 050	-	16 000	950	-1 100	-53,7%
up to 3 years	8 067	7 710	11 597	5 261	-2 806	-34,8%
more than 3 years	7 775	136	145	111	-7 664	-98,6%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	68 658	2 426	2 586	3 557	-65 101	-94,8%
Past-due	68 658	2 426	2 586	3 557	-65 101	-94,8%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	4 867	1 931	3 549	696	-4 171	-85,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	7 103 182	6 189 813	5 759 803	3 655 125	-3 448 057	-48,5%
Mandatory reserves with Central Bank	316	184	563	33	-283	-89,6%
Premises and equipment	643 015	400	607	239 612	-403 403	-62,7%
Purchase cost	639 668	400	607	239 612	-400 056	-62,5%
Depreciation	3 347	-	-	-	-3 347	-100,0%
Accrued interest not yet received	23 902	25 250	24 504	24 544	642	2,7%
Other assets	6 426 303	6 161 028	5 730 432	3 383 581	-3 042 722	-47,3%
Provision for impairment of other assets	9 406	2 675	3 396	7 182	-2 224	-23,6%
Derivatives - assets	240	276	301	173	-67	-27,9%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	10 000 230	9 304 616	9 089 832	6 176 866	-3 823 364	-38,2%
Dues to banks	260 440	8	129 986	420 633	160 193	61,5%
Term	260 423	-	117 815	418 176	157 753	60,6%
Central Bank of Russia	-	-	26 872	165 150	165 150	-
other	-	-	26 872	165 150	165 150	-
Residents	260 423	-	90 943	253 026	-7 397	-2,8%
up to 30 days	260 423	-	90 943	253 026	-7 397	-2,8%
Other dues to banks	17	8	12 171	2 457	2 440	14 352,9%
On demand	2 583 485	2 885 524	2 884 111	1 561 755	-1 021 730	-39,5%
Corporate clients	2 371 266	2 538 580	2 725 641	1 300 981	-1 070 285	-45,1%
State-owned enterprises	2 666	6 470	5 904	346	-2 320	-87,0%
Residents	2 367 855	2 531 730	2 718 883	1 300 173	-1 067 682	-45,1%
Non-residents	745	380	854	462	-283	-38,0%
Individuals	212 124	346 910	158 451	260 746	48 622	22,9%
Residents	212 124	346 910	158 451	260 744	48 620	22,9%
Non-residents	-	-	-	2	2	-
Brokerage accounts	95	34	19	28	-67	-70,5%
Residents	95	34	19	28	-67	-70,5%
Term	101 097	88 170	101 140	224 754	123 657	122,3%
Corporate clients	55 823	9 565	224	31	-55 792	-99,9%
Residents	53 350	9 565	224	31	-53 319	-99,9%
up to 30 days	7 900	9 510	-	-	-7 900	-100,0%
up to 1 year	176	55	133	31	-145	-82,4%
up to 3 years	45 274	-	91	-	-45 274	-100,0%
more than 3 years	-	-	-	-	-	-
Non-residents	2 473	-	-	-	-2 473	-100,0%
up to 3 years	2 473	-	-	-	-2 473	-100,0%
State-owned enterprises	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	45 274	78 605	100 916	224 723	179 449	396,4%
residents	45 274	78 605	100 916	223 523	178 249	393,7%
up to 30 days	-	-	-	-	-	-
up to 180 days	200	1 102	17 644	25 491	25 291	12 645,5%
up to 1 year	5 568	10 660	5 277	4 764	-804	-14,4%
up to 3 years	39 445	66 762	76 722	192 126	152 681	387,1%
more than 3 years	61	81	1 273	1 142	1 081	1 772,1%
non-residents	-	-	-	1 200	1 200	-
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	1 200	1 200	-
Securities issued	-	13 069	1 247	1 774	1 774	-
Promissory notes	-	13 069	1 247	1 774	1 774	-
on demand	-	11 380	-	-	-	-
up to 180 days	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	126	1 119	1 639	1 639	-
Discount accrued	-	1 563	128	135	135	-
Other liabilities	7 055 208	6 317 845	5 973 348	3 967 950	-3 087 258	-43,8%
Other liabilities	7 041 796	6 306 289	5 958 492	3 944 765	-3 097 031	-44,0%
Accrued interest not yet paid	13 111	9 568	14 601	22 992	9 881	75,4%
Liabilities past-due	-	-	67	164	164	-
Derivatives - liabilities	301	369	188	29	-272	-90,4%
Deferred tax liabilities	-	1 619	-	-	-	-
EQUITY	472 386	405 257	171 192	383 106	-89 280	-18,9%
Capital	130 663	-	146	172	-130 491	-99,9%
Profit from previous years	-	255 256	-	-	-	-
Retained earnings from previous years	-	255 256	-	-	-	-
Current year profit	341 191	149 736	170 375	382 577	41 386	12,1%
Current year retained earnings	341 191	149 736	170 375	382 577	41 386	12,1%
Future expenses	532	265	671	357	-175	-32,9%
OFF-BALANCE SHEET	774 951	560 055	452 275	413 818	-361 133	-46,6%
Contingent liabilities	545 984	257 017	318 148	396 378	-149 606	-27,4%
Guarantees issued	22 358	36 299	160 312	285 717	263 359	1 177,9%
Unused credit limits opened	522 545	219 991	157 836	108 872	-413 673	-79,2%
Unused guarantee limits	1 081	727	-	1 789	708	65,5%
Collateral on loans	102 697	219 194	60 730	6 274	-96 423	-93,9%
goods	102 697	219 194	60 730	6 274	-96 423	-93,9%
Unprocessed payments	120 627	78 168	67 896	4 310	-116 317	-96,4%
Due to lack of funds on client accounts	120 627	78 168	67 896	4 310	-116 317	-96,4%
Other off-balance sheet accounts	5 643	5 676	5 501	6 856	1 213	21,5%
Accrued interest not yet received	5 643	5 676	5 501	6 856	1 213	21,5%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	578	1 038	515	615	37	6,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-