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

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	ISTKOM-FINANS	add to comparison
Central Bank of Russia registration number: 3435

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	1 411 790	606 723	336 830	555 136	-856 654	-60,7%
High liquid assets	860 259	361 516	133 952	389 679	-470 580	-54,7%
Cash and equivalents	850 542	343 638	127 629	330 782	-519 760	-61,1%
Cash	120 517	75 214	32 057	250 705	130 188	108,0%
in cash and en route	117 404	75 107	31 997	191 879	74 475	63,4%
in ATMs	3 113	107	60	58 826	55 713	1 789,7%
Nostro account with Central Bank	730 025	268 424	95 572	80 077	-649 948	-89,0%
Nostro accounts	6 045	7 334	4 770	79	-5 966	-98,7%
Non-residents	246	1	8	8	-238	-96,7%
Residents	5 799	7 333	4 762	71	-5 728	-98,8%
Money in transfer	3 664	10 388	1 281	58 804	55 140	1 504,9%
Provision for impairment of high-liquid assets	8	156	272	14	6	75,0%
Interest-earning assets	70 884	62 477	100 468	123 908	53 024	74,8%
Dues from banks	22	27	532	9	-13	-59,1%
Residents	22	27	532	9	-13	-59,1%
up to 30 days	22	27	532	9	-13	-59,1%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	111	406	6 490	-	-111	-100,0%
Stocks	111	406	6 490	-	-111	-100,0%
Residents	-	-	-	-	-	-
Valuation allowance	111	406	6 490	-	-111	-100,0%
Loans to corporate clients	70 607	60 524	93 142	123 616	53 009	75,1%
residents	50 600	26 950	66 600	31 500	-19 100	-37,7%
up to 180 days	-	2 500	-	-	-	-
up to 1 year	13 600	2 650	27 100	20 300	6 700	49,3%
up to 3 years	37 000	21 800	39 500	11 200	-25 800	-69,7%
more than 3 years	-	-	-	-	-	-
Past-due	-	10 815	8 882	72 731	72 731	-
residents	-	10 815	8 882	72 731	72 731	-
Provision for impairment of corporate loans	20 007	22 759	17 660	19 385	-622	-3,1%
residents	20 007	22 759	17 660	19 385	-622	-3,1%
Loans to individuals	144	1 520	304	283	139	96,5%
Standard	-	1 369	24	-	-	-
up to 30 days	-	-	24	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	1 369	-	-	-	-
Past-due	84	87	216	215	131	156,0%
Past-due	84	87	216	215	131	156,0%
Provision for impairment of loans to individuals	60	64	64	68	8	13,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	480 647	182 730	102 410	41 549	-439 098	-91,4%
Mandatory reserves with Central Bank	2 683	-	-	-	-2 683	-100,0%
Premises and equipment	138	501	17 797	8 850	8 712	6 313,0%
Purchase cost	138	501	17 797	8 850	8 712	6 313,0%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	14 675	11 336	11 576	9 785	-4 890	-33,3%
Other assets	463 021	169 259	72 185	22 508	-440 513	-95,1%
Provision for impairment of other assets	130	320	852	406	276	212,3%
Deferred tax asset	-	1 314	-	-	-	-
LIABILITIES	1 914 569	808 670	475 163	347 800	-1 566 769	-81,8%
Dues to banks	-	-	-	60 720	60 720	-
On demand	-	-	-	60 720	60 720	-
Residents	-	-	-	60 720	60 720	-
On demand	1 252 984	548 224	330 244	189 496	-1 063 488	-84,9%
Corporate clients	1 114 360	493 335	271 643	141 750	-972 610	-87,3%
State-owned enterprises	12 557	115	158	-	-12 557	-100,0%
Residents	1 101 697	491 190	271 409	141 750	-959 947	-87,1%
Non-residents	106	2 030	76	-	-106	-100,0%
Individuals	138 624	54 649	58 601	47 746	-90 878	-65,6%
Residents	138 274	53 920	58 601	47 746	-90 528	-65,5%
Non-residents	350	729	-	-	-350	-100,0%
Brokerage accounts	-	240	-	-	-	-
Residents	-	240	-	-	-	-
Term	118 879	40 260	76 726	74 938	-43 941	-37,0%
Corporate clients	75 327	3 000	21 488	25 015	-50 312	-66,8%
Residents	75 327	3 000	16 588	4 492	-70 835	-94,0%
up to 180 days	75 327	3 000	16 588	4 492	-70 835	-94,0%
State-owned enterprises	-	-	4 900	20 523	20 523	-
up to 1 year	-	-	4 900	20 523	20 523	-
Individuals	43 552	37 260	55 238	49 923	6 371	14,6%
residents	43 502	36 511	55 162	49 861	6 359	14,6%
up to 30 days	3	-	-	-	-3	-100,0%
up to 180 days	640	1 104	114	2 631	1 991	311,1%
up to 1 year	9 068	17 387	38 466	42 195	33 127	365,3%
up to 3 years	33 791	18 020	16 582	5 035	-28 756	-85,1%
non-residents	50	749	76	62	12	24,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	50	749	76	62	12	24,0%
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
Other liabilities	542 706	220 186	68 193	22 646	-520 060	-95,8%
Other liabilities	540 064	217 944	66 080	17 806	-522 258	-96,7%
Accrued interest not yet paid	2 642	2 242	2 113	2 249	-393	-14,9%
Liabilities past-due	-	-	-	2 591	2 591	-
EQUITY	1 938 546	64 817	66 861	75 115	-1 863 431	-96,1%
Capital	-	-	-	-	-	-
Profit from previous years	1 894 628	21 968	-	-	-1 894 628	-100,0%
Retained earnings from previous years	1 894 628	21 968	-	-	-1 894 628	-100,0%
Current year profit	43 597	42 190	66 004	75 091	31 494	72,2%
Current year retained earnings	43 597	42 190	66 004	75 091	31 494	72,2%
Future expenses	321	659	857	24	-297	-92,5%
OFF-BALANCE SHEET	359 889	140 407	32 767	105 514	-254 375	-70,7%
Contingent liabilities	51 988	2 781	45	3 459	-48 529	-93,3%
Guarantees issued	1 688	1 231	-	3 414	1 726	102,3%
Unused credit limits opened	50 300	1 550	45	45	-50 255	-99,9%
Collateral on loans	306 989	21 262	20 843	5 169	-301 820	-98,3%
goods	256 989	21 262	20 843	5 169	-251 820	-98,0%
securities	50 000	-	-	-	-50 000	-100,0%
Unprocessed payments	-	115 487	10 975	95 537	95 537	-
Due to lack of funds in bank	-	-	-	20 407	20 407	-
Due to lack of funds on client accounts	-	115 487	10 975	75 130	75 130	-
Other off-balance sheet accounts	912	877	904	1 349	437	47,9%
Accrued interest not yet received	911	877	904	1 349	438	48,1%
Written-off interest	1	-	-	-	-1	-100,0%
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	-	-	24	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-