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

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	RAM BANK	add to comparison
Central Bank of Russia registration number: 3480

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	3 912 822	6 119 974	6 957 499	5 234 666	1 321 844	33,8%
High liquid assets	1 447 993	2 463 437	2 954 331	1 806 004	358 011	24,7%
Cash and equivalents	1 241 368	2 098 417	2 564 270	1 592 457	351 089	28,3%
Cash	103 618	210 299	140 268	81 610	-22 008	-21,2%
in cash and en route	102 028	209 299	139 169	80 547	-21 481	-21,1%
in ATMs	1 590	1 000	1 099	1 063	-527	-33,1%
Nostro account with Central Bank	1 137 750	1 888 118	2 424 002	1 510 847	373 097	32,8%
Nostro accounts	90 396	135 909	143 514	70 407	-19 989	-22,1%
Non-residents	35 288	44 276	66 448	32 278	-3 010	-8,5%
Residents	55 108	91 633	77 066	38 129	-16 979	-30,8%
Money in transfer	56 884	93 455	120 834	74 696	17 812	31,3%
Exchange accounts	59 174	135 411	125 432	68 436	9 262	15,7%
Provision for impairment of high-liquid assets	171	245	281	8	-163	-95,3%
Interest-earning assets	1 376 941	1 791 708	2 387 669	912 012	-464 929	-33,8%
Dues from banks	657 880	1 515 126	1 934 912	716 047	58 167	8,8%
Residents	622 530	1 435 032	1 830 028	665 019	42 489	6,8%
up to 30 days	622 530	1 435 032	1 830 028	665 019	42 489	6,8%
Provision for impairment of loans to banks	35 350	80 094	104 884	51 028	15 678	44,4%
Loans to corporate clients	719 061	276 577	452 738	195 948	-523 113	-72,7%
residents	419 171	203 416	337 531	152 170	-267 001	-63,7%
up to 30 days	86 186	37 000	30 200	30 200	-55 986	-65,0%
up to 1 year	-	10 000	103 246	115 501	115 501	-
up to 3 years	332 985	156 416	69 054	2 469	-330 516	-99,3%
Past-due	12 604	43	20	14 631	2 027	16,1%
residents	12 604	43	20	14 631	2 027	16,1%
Provision for impairment of corporate loans	287 286	73 118	115 187	29 147	-258 139	-89,9%
residents	287 286	73 118	115 187	29 147	-258 139	-89,9%
Loans to private entrepreneurs	-	5	19	17	17	-
up to 3 years	-	-	-	-	-	-
Past-due	-	5	1	-	-	-
Provision for impairment of loans to private entrepreneurs	-	-	18	17	17	-
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 087 888	1 864 829	1 615 499	2 516 650	1 428 762	131,3%
Mandatory reserves with Central Bank	1 436	645	8 366	1 268	-168	-11,7%
Premises and equipment	316	303	919	460	144	45,6%
Purchase cost	316	251	919	460	144	45,6%
Depreciation	-	52	-	-	-	-
Accrued interest not yet received	25 738	25 044	26 035	25 579	-159	-0,6%
Other assets	1 057 919	1 833 257	1 563 310	2 479 511	1 421 592	134,4%
Provision for impairment of other assets	2 479	5 580	16 869	9 832	7 353	296,6%
LIABILITIES	2 088 934	3 003 163	2 364 491	3 979 975	1 891 041	90,5%
Dues to banks	1	-	1	280 001	280 000	28 000 000,0%
On demand	1	-	1	280 001	280 000	28 000 000,0%
Non-residents	1	-	1	280 001	280 000	28 000 000,0%
On demand	923 929	1 153 794	816 267	1 173 770	249 841	27,0%
Corporate clients	771 678	1 125 538	803 404	1 161 237	389 559	50,5%
Residents	771 312	1 125 169	803 019	1 160 588	389 276	50,5%
Non-residents	366	369	385	649	283	77,3%
Individuals	152 251	28 256	12 863	12 533	-139 718	-91,8%
Residents	149 637	27 345	12 039	11 463	-138 174	-92,3%
Non-residents	2 614	911	824	1 070	-1 544	-59,1%
Term	141 182	23 922	13 114	11 739	-129 443	-91,7%
Corporate clients	-	-	-	-	-	-
Residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	141 182	23 922	13 114	11 739	-129 443	-91,7%
residents	139 782	23 872	13 014	11 674	-128 108	-91,6%
up to 180 days	1 370	184	999	347	-1 023	-74,7%
up to 1 year	7 992	1 593	4 345	1 623	-6 369	-79,7%
up to 3 years	130 420	22 095	7 670	9 704	-120 716	-92,6%
non-residents	1 400	50	100	65	-1 335	-95,4%
up to 3 years	1 400	50	100	65	-1 335	-95,4%
Other liabilities	1 023 822	1 825 447	1 535 109	2 514 465	1 490 643	145,6%
Other liabilities	1 020 185	1 822 629	1 531 654	2 511 721	1 491 536	146,2%
Accrued interest not yet paid	3 637	2 625	3 455	2 744	-893	-24,6%
Derivatives - liabilities	-	193	-	-	-	-
EQUITY	361 895	4 461 778	231 733	87 921	-273 974	-75,7%
Capital	-	-	1 408	-	-	-
Profit from previous years	-	4 314 456	28 165	-	-	-
Retained earnings from previous years	-	4 314 456	28 165	-	-	-
Current year profit	361 895	147 322	202 160	87 921	-273 974	-75,7%
Current year retained earnings	361 895	147 322	202 160	87 921	-273 974	-75,7%
OFF-BALANCE SHEET	463 001	175 768	1 520 608	190 648	-272 353	-58,8%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	86 186	121 000	78 087	182 170	95 984	111,4%
Guarantees issued	-	10 000	-	-	-	-
Unused credit limits opened	86 186	111 000	78 087	182 170	95 984	111,4%
Collateral on loans	365 757	12 226	564 774	7 899	-357 858	-97,8%
goods	365 757	12 226	564 774	7 899	-357 858	-97,8%
Unprocessed payments	11 058	42 542	876 143	579	-10 479	-94,8%
Due to lack of funds on client accounts	11 058	42 542	876 143	579	-10 479	-94,8%
Other off-balance sheet accounts	-	-	1 604	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	1 604	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-