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

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	RESO KREDIT	add to comparison
Central Bank of Russia registration number: 3450 foreign-controlled, foreign shareholders, 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.


Balance sheet position, thous. rub.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	24 531 334	641 030 234	20 955 588	26,1	30,6	-3 575 746	-14,6%
High liquid assets	464 101	107 874 723	561 704	232,4	5,1	97 603	21,0%
Cash and equivalents	197 253	39 131 915	168 479	198,4	1,9	-28 774	-14,6%
Cash	78 325	161 287	101 751	2,1	0,0	23 426	29,9%
in cash and en route	78 325	161 287	101 751	2,1	0,0	23 426	29,9%
Nostro account with Central Bank	118 928	38 994 054	66 728	327,9	1,9	-52 200	-43,9%
Nostro accounts	167 960	8 761 298	363 264	52,2	0,4	195 304	116,3%
Residents	167 960	8 761 298	363 264	52,2	0,4	195 304	116,3%
Money in transfer	98 888	60 079 211	29 961	607,5	2,9	-68 927	-69,7%
Interest-earning assets	21 014 386	374 299 986	17 117 644	17,8	17,9	-3 896 742	-18,5%
Dues from banks	9 670	1 782 396	9 877	184,3	0,1	207	2,1%
Central Bank of Russia	-	-	-	-	-	-	-
Residents	9 705	1 782 395	9 913	183,7	0,1	208	2,1%
up to 30 days	9 705	1 782 395	9 913	183,7	0,1	208	2,1%
Provision for impairment of loans to banks	-35	2	-36	0,1	0,0	-1	2,9%
Securities	20 995 983	372 517 705	17 099 044	17,7	17,8	-3 896 939	-18,6%
Bonds	19 880 103	350 636 825	16 313 810	17,6	16,7	-3 566 293	-17,9%
Federal Loan Bonds (OFZs), OBRs	4 790 296	7 270 382	6 209 068	1,5	0,3	1 418 772	29,6%
Corporate bonds	4 164 324	64 636 874	3 181 226	15,5	3,1	-983 098	-23,6%
Financial institutions bonds	13 430	39 509 254	156 851	2 941,9	1,9	143 421	1 067,9%
Corporate foreign bonds	880 051	68 093 089	1 129 282	77,4	3,2	249 231	28,3%
Valuation allowance	-723 376	1 046 049	-1 257 769	1,4	0,0	-534 393	73,9%
Pledged under REPO	10 755 378	171 892 601	6 895 152	16,0	8,2	-3 860 226	-35,9%
Stocks	1 115 880	21 880 880	785 234	19,6	1,0	-330 646	-29,6%
Residents	49 541	-	49 541	0,0	0,0	-	0,0%
Non-residents	637 060	11 198 669	884	17,6	0,5	-636 176	-99,9%
Valuation allowance	196 886	121 353	131 484	0,6	0,0	-65 402	-33,2%
Pledged under REPO	232 393	10 931 790	603 325	47,0	0,5	370 932	159,6%
Loans to corporate clients	-	5	-	-	-	-	-
Past-due	34	5	34	0,1	0,0	-	0,0%
residents	34	5	34	0,1	0,0	-	0,0%
Provision for impairment of corporate loans	-34	-	-34	0,0	0,0	-	0,0%
residents	-34	-	-34	0,0	0,0	-	0,0%
Loans to private entrepreneurs	-	1	-	-	-	-	-
Past-due	-	1	1	-	-	1	-
Provision for impairment of loans to private entrepreneurs	-	-	-1	-	-	-1	-
Loans to individuals	8 733	87	8 723	0,0	0,0	-10	-0,1%
Standard	8 733	10	8 723	0,0	0,0	-10	-0,1%
more than 3 years	8 733	10	8 723	0,0	0,0	-10	-0,1%
Past-due	4 423	51	4 455	0,0	0,0	32	0,7%
Past-due	4 423	51	4 455	0,0	0,0	32	0,7%
Provision for impairment of loans to individuals	-4 423	58	-4 455	0,0	0,0	-32	0,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	3 052 847	159 176 521	3 276 240	52,1	7,6	223 393	7,3%
Mandatory reserves with Central Bank	465 266	44 787	510 053	0,1	0,0	44 787	9,6%
Premises and equipment	22 488	10 217 080	21 762	454,3	0,5	-726	-3,2%
Purchase cost	37 688	10 216 354	37 688	271,1	0,5	-	0,0%
Depreciation	-15 200	726	-15 926	0,0	0,0	-726	4,8%
Accrued interest not yet received	36 667	10 606	36 668	0,3	0,0	1	0,0%
Other assets	2 654 295	148 306 939	2 815 584	55,9	7,1	161 289	6,1%
Provision for impairment of other assets	-173 158	41 580	-155 628	0,2	0,0	17 530	-10,1%
Derivatives - assets	1 830	556 255	2 342	304,0	0,0	512	28,0%
Deferred tax asset	45 459	-	45 459	0,0	0,0	-	0,0%
LIABILITIES	19 743 895	464 226 694	17 212 056	23,5	22,2	-2 531 839	-12,8%
Dues to banks	9 567 359	160 355 452	6 324 750	16,8	7,7	-3 242 609	-33,9%
Term	9 567 359	160 315 232	6 324 750	16,8	7,7	-3 242 609	-33,9%
Residents	9 567 359	160 315 232	6 324 750	16,8	7,7	-3 242 609	-33,9%
up to 30 days	9 567 359	160 315 232	6 324 750	16,8	7,7	-3 242 609	-33,9%
Other dues to banks	-	40 220	-	-	-	-	-
On demand	3 041 932	64 508 278	4 982 320	21,2	3,1	1 940 388	63,8%
Corporate clients	2 637 146	50 244 047	4 568 567	19,1	2,4	1 931 421	73,2%
Residents	2 609 381	50 235 208	4 537 573	19,3	2,4	1 928 192	73,9%
Non-residents	27 765	8 839	30 994	0,3	0,0	3 229	11,6%
Individuals	389 317	174 895	404 629	0,4	0,0	15 312	3,9%
Residents	319 473	172 636	333 551	0,5	0,0	14 078	4,4%
Non-residents	69 844	2 259	71 078	0,0	0,0	1 234	1,8%
Brokerage accounts	15 469	14 095 681	9 124	911,2	0,7	-6 345	-41,0%
Residents	15 469	14 095 681	9 124	911,2	0,7	-6 345	-41,0%
Term	6 830 887	14 745 648	5 605 088	2,2	0,7	-1 225 799	-17,9%
Corporate clients	5 568 891	14 735 795	4 342 846	2,6	0,7	-1 226 045	-22,0%
Residents	5 568 891	14 735 795	4 342 846	2,6	0,7	-1 226 045	-22,0%
up to 30 days	2 281 391	12 463 329	959 746	5,5	0,6	-1 321 645	-57,9%
up to 180 days	2 233 000	2 237 389	231 100	1,0	0,1	-2 001 900	-89,7%
up to 1 year	1 054 500	2 132 577	3 152 000	2,0	0,1	2 097 500	198,9%
up to 3 years	-	-	-	-	-	-	-
Individuals	1 261 996	10 099	1 262 242	0,0	0,0	246	0,0%
residents	1 261 996	10 099	1 262 242	0,0	0,0	246	0,0%
up to 1 year	164 957	9 203	173 897	0,1	0,0	8 940	5,4%
up to 3 years	1 003 233	8 340	995 689	0,0	0,0	-7 544	-0,8%
more than 3 years	93 806	1 250	92 656	0,0	0,0	-1 150	-1,2%
Other liabilities	303 717	226 557 704	299 898	746,0	10,8	-3 819	-1,3%
Other liabilities	39 362	225 594 446	28 719	5 731,3	10,8	-10 643	-27,0%
Accrued interest not yet paid	262 123	125 849	268 947	0,5	0,0	6 824	2,6%
Derivatives - liabilities	-	844 233	-	-	-	-	-
Deferred tax liabilities	2 232	-	2 232	0,0	0,0	-	0,0%
EQUITY	4 787 439	22 448 860	3 743 532	4,7	1,1	-1 043 907	-21,8%
Capital	287 500	-	287 500	0,0	0,0	-	0,0%
Profit from previous years	4 381 717	9 646 640	4 489 172	2,2	0,5	107 455	2,5%
Retained earnings from previous years	4 381 717	9 646 640	4 489 172	2,2	0,5	107 455	2,5%
Current year profit	118 222	12 909 675	-1 033 140	109,2	0,6	-1 151 362	-973,9%
Current year retained earnings	118 222	12 909 675	-1 033 140	109,2	0,6	-1 151 362	-973,9%
OFF-BALANCE SHEET	-4 588 939	2 036 326	-3 059 114	0,4	0,1	1 529 825	-33,3%
Unused credit limits available	2 000 000	-	2 000 000	0,0	0,0	-	0,0%
Contingent liabilities	-6 599 169	2 035 857	-5 069 058	0,3	0,1	1 530 111	-23,2%
Guarantees issued	-6 599 169	2 035 857	-5 069 058	0,3	0,1	1 530 111	-23,2%
Collateral on loans	18 536	-	18 536	0,0	0,0	-	0,0%
goods	18 536	-	18 536	0,0	0,0	-	0,0%
Unprocessed payments	33	6	34	0,2	0,0	1	3,0%
Due to lack of funds on client accounts	33	6	34	0,2	0,0	1	3,0%
Other off-balance sheet accounts	-8 339	463	-8 626	0,1	0,0	-287	3,4%
Written-off interest	-149	2	-150	0,0	0,0	-1	0,7%
Written-off loans	-8 190	461	-8 476	0,1	0,0	-286	3,5%
Past due ratio, total	3 379	-	3 398	0,0	0,0	19	0,6%
Past due ratio, individuals	3 362	-	3 381	0,0	0,0	19	0,6%
Past due ratio, corporates	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	-	-	10 000	-	-	10 000	-
Past due ratio, corporates + entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Risk-weighted assets	29 959 027	-	23 833 754	0,0	0,0	-6 125 273	-20,4%