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

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	ASPEKT	add to comparison
Central Bank of Russia registration number: 608 issues guarantees

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	18 297 097	11 671 981	9 097 243	15 271 492	-3 025 605	-16,5%
High liquid assets	8 086 816	6 713 198	5 614 988	6 475 254	-1 611 562	-19,9%
Cash and equivalents	2 889 915	1 738 614	1 675 540	1 769 719	-1 120 196	-38,8%
Cash	493 304	360 302	437 972	470 152	-23 152	-4,7%
in cash and en route	486 581	353 401	437 365	463 418	-23 163	-4,8%
in ATMs	6 723	6 901	607	6 734	11	0,2%
Nostro account with Central Bank	2 396 611	1 378 312	1 237 568	1 299 567	-1 097 044	-45,8%
Nostro accounts	641 341	409 675	399 404	578 301	-63 040	-9,8%
Residents	641 341	409 675	399 404	578 301	-63 040	-9,8%
Money in transfer	2 942 460	2 253 744	1 818 639	2 475 167	-467 293	-15,9%
Exchange accounts	1 613 089	2 311 122	1 721 336	1 651 872	38 783	2,4%
Provision for impairment of high-liquid assets	11	43	69	195	184	1 672,7%
Interest-earning assets	1 236 350	1 933 746	1 020 297	1 181 664	-54 686	-4,4%
Dues from banks	749 534	1 085 742	750 263	403 428	-346 106	-46,2%
Central Bank of Russia	175 000	200 000	36 000	-	-175 000	-100,0%
Residents	574 534	885 742	714 263	403 395	-171 139	-29,8%
up to 30 days	574 534	885 742	714 263	403 395	-171 139	-29,8%
Provision for impairment of loans to banks	-	-	-	33	33	-
Securities	276 165	791 346	81 054	480 402	204 237	74,0%
Bonds	276 165	791 346	81 054	480 402	204 237	74,0%
Federal Loan Bonds (OFZs), OBRs	123 775	303 665	61 621	28 972	-94 803	-76,6%
Corporate bonds	97 537	166 739	12 043	129 260	31 723	32,5%
Financial institutions bonds	24 633	314 881	6 407	124 111	99 478	403,8%
Valuation allowance	4 552	6 061	983	478	-4 074	-89,5%
Pledged under REPO	25 668	-	-	197 581	171 913	669,8%
Loans to corporate clients	172 103	38 779	150 863	174 368	2 265	1,3%
residents	162 134	30 109	133 910	79 764	-82 370	-50,8%
up to 180 days	94 084	17 219	29 092	46 789	-47 295	-50,3%
up to 1 year	31 050	7 890	7 318	1 475	-29 575	-95,2%
up to 3 years	37 000	5 000	97 500	31 500	-5 500	-14,9%
state-owned enterprises	-	-	4 160	5 500	5 500	-
up to 30 days	-	-	4 160	5 500	5 500	-
Past-due	1 700	5 058	2 482	141	-1 559	-91,7%
residents	1 700	5 058	2 482	141	-1 559	-91,7%
Provision for impairment of corporate loans	8 269	3 612	10 311	88 963	80 694	975,9%
residents	8 269	3 612	10 291	88 824	80 555	974,2%
state-owned enterprises	-	-	20	139	139	-
Loans to private entrepreneurs	459	73	60	180	-279	-60,8%
up to 3 years	-	-	-	-	-	-
Past-due	-	13	1	1	1	-
Provision for impairment of loans to private entrepreneurs	459	60	59	179	-280	-61,0%
Loans to individuals	38 089	17 806	38 057	123 286	85 197	223,7%
Standard	11 014	3 060	2 989	24 304	13 290	120,7%
up to 30 days	3 119	2 000	1 729	3 259	140	4,5%
up to 180 days	300	-	-	-	-300	-100,0%
up to 1 year	145	60	-	6 545	6 400	4 413,8%
up to 3 years	7 450	1 000	1 000	2 680	-4 770	-64,0%
more than 3 years	-	-	260	11 820	11 820	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	21 111	6 084	190	169	-20 942	-99,2%
Past-due	21 111	6 084	190	169	-20 942	-99,2%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	5 964	8 662	34 878	98 813	92 849	1 556,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	8 973 931	3 025 037	2 461 958	7 614 574	-1 359 357	-15,1%
Mandatory reserves with Central Bank	824	-	610	-	-824	-100,0%
Premises and equipment	347 559	31 762	51 376	151 624	-195 935	-56,4%
Purchase cost	347 289	31 762	51 376	124 798	-222 491	-64,1%
Depreciation	270	-	-	26 826	26 556	9 835,6%
Accrued interest not yet received	10 966	24 290	18 120	18 329	7 363	67,1%
Other assets	8 597 641	2 944 627	2 383 729	7 422 303	-1 175 338	-13,7%
Provision for impairment of other assets	16 941	24 358	8 123	21 734	4 793	28,3%
Deferred tax asset	-	-	-	584	584	-
LIABILITIES	4 728 445	4 480 228	4 078 446	4 348 318	-380 127	-8,0%
Dues to banks	24 218	1 701	-	138 833	114 615	473,3%
Term	24 218	-	-	137 979	113 761	469,7%
Residents	24 218	-	-	137 979	113 761	469,7%
up to 30 days	24 218	-	-	137 979	113 761	469,7%
Other dues to banks	-	1 701	-	854	854	-
On demand	1 577 340	791 173	1 202 427	1 038 881	-538 459	-34,1%
Corporate clients	1 499 223	723 936	1 030 630	888 647	-610 576	-40,7%
State-owned enterprises	28 238	15 401	35 663	39 288	11 050	39,1%
Residents	1 465 128	702 244	990 467	845 610	-619 518	-42,3%
Non-residents	5 857	6 291	4 500	3 749	-2 108	-36,0%
Individuals	78 117	67 237	171 797	150 234	72 117	92,3%
Residents	76 798	67 189	171 688	150 179	73 381	95,6%
Non-residents	1 319	48	109	55	-1 264	-95,8%
Brokerage accounts	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	22 337	41 345	23 914	93 642	71 305	319,2%
Corporate clients	-	-	2 800	32 000	32 000	-
Residents	-	-	2 800	32 000	32 000	-
up to 180 days	-	-	2 800	12 500	12 500	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	19 500	19 500	-
more than 3 years	-	-	-	-	-	-
Individuals	22 337	41 345	21 114	61 642	39 305	176,0%
residents	20 916	41 309	21 092	61 086	40 170	192,1%
up to 30 days	6	-	6	9	3	50,0%
up to 180 days	9	2 270	6	12	3	33,3%
up to 1 year	1 884	3 846	4 339	3 504	1 620	86,0%
up to 3 years	19 014	35 187	16 741	57 558	38 544	202,7%
more than 3 years	3	6	-	3	-	0,0%
non-residents	1 421	36	22	556	-865	-60,9%
up to 1 year	-	-	-	-	-	-
up to 3 years	1 421	36	22	556	-865	-60,9%
Securities issued	8 103	6 305	7 036	6 310	-1 793	-22,1%
Promissory notes	8 103	6 305	7 036	6 310	-1 793	-22,1%
on demand	4 662	698	3 056	4 556	-106	-2,3%
up to 180 days	452	30	1 453	1 754	1 302	288,1%
up to 1 year	1 222	14	504	-	-1 222	-100,0%
up to 3 years	1 047	3 617	2 023	-	-1 047	-100,0%
more than 3 years	346	1 946	-	-	-346	-100,0%
Discount accrued	374	-	-	-	-374	-100,0%
Other liabilities	3 096 447	3 639 704	2 845 069	3 070 652	-25 795	-0,8%
Other liabilities	3 095 199	3 631 408	2 835 781	3 053 352	-41 847	-1,4%
Accrued interest not yet paid	1 248	8 296	9 288	9 452	8 204	657,4%
Deferred tax liabilities	-	-	-	7 848	7 848	-
EQUITY	144 146	3 062 280	112 493	3 296 552	3 152 406	2 187,0%
Capital	30 324	1 190	-	146 520	116 196	383,2%
Profit from previous years	-	1 505 825	125	2 970 525	2 970 525	-
Retained earnings from previous years	-	1 505 825	125	2 970 525	2 970 525	-
Current year profit	112 442	1 555 265	112 368	179 507	67 065	59,6%
Current year retained earnings	112 442	1 555 265	112 368	179 507	67 065	59,6%
Future expenses	1 380	-	-	-	-1 380	-100,0%
OFF-BALANCE SHEET	1 056 264	1 232 666	417 219	522 455	-533 809	-50,5%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	951 375	1 095 623	275 876	305 129	-646 246	-67,9%
Guarantees issued	793 132	1 044 208	244 868	248 881	-544 251	-68,6%
Unused credit limits opened	90 094	39 655	30 471	53 657	-36 437	-40,4%
Unused guarantee limits	68 149	11 760	537	2 591	-65 558	-96,2%
Collateral on loans	94 320	136 847	93 948	150 409	56 089	59,5%
goods	94 320	136 847	93 948	150 409	56 089	59,5%
Unprocessed payments	8 600	196	47 395	66 917	58 317	678,1%
Due to lack of funds on client accounts	8 600	196	47 395	66 917	58 317	678,1%
Other off-balance sheet accounts	1 969	-	-	-	-1 969	-100,0%
Accrued interest not yet received	1 969	-	-	-	-1 969	-100,0%
Credit card balances	3 119	-	3 729	6 518	3 399	109,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-