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

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	INTERKOMMERC	add to comparison
Central Bank of Russia registration number: 1657

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	995 793 235	869 584 517	1 038 949 745	716 380 892	-279 412 343	-28,1%
High liquid assets	193 306 731	204 898 930	243 301 555	218 664 398	25 357 667	13,1%
Cash and equivalents	89 770 012	85 301 319	145 056 872	91 290 046	1 520 034	1,7%
Cash	22 593 989	24 216 929	39 443 861	29 943 112	7 349 123	32,5%
in cash and en route	21 581 418	23 203 034	38 199 858	29 272 093	7 690 675	35,6%
in ATMs	1 012 571	1 013 895	1 244 003	671 019	-341 552	-33,7%
Nostro account with Central Bank	67 176 023	61 084 390	105 613 011	61 346 934	-5 829 089	-8,7%
Nostro accounts	16 664 178	11 659 844	16 053 955	22 441 379	5 777 201	34,7%
Non-residents	11 490 689	7 458 064	9 496 774	19 020 771	7 530 082	65,5%
Residents	5 173 489	4 201 780	6 557 181	3 420 608	-1 752 881	-33,9%
Money in transfer	51 625 700	59 984 216	49 186 363	74 151 838	22 526 138	43,6%
Exchange accounts	35 243 901	47 951 806	33 002 666	30 775 348	-4 468 553	-12,7%
Provision for impairment of high-liquid assets	2 940	1 745	1 699	5 787	2 847	96,8%
Interest-earning assets	38 558 718	51 855 884	60 844 794	60 024 125	21 465 407	55,7%
Dues from banks	24 830 868	41 163 422	44 992 235	32 976 149	8 145 281	32,8%
Central Bank of Russia	2 000 000	2 000 000	17 900 000	17 000 000	15 000 000	750,0%
Residents	22 830 868	39 163 422	27 092 235	15 974 649	-6 856 219	-30,0%
up to 30 days	22 830 868	39 163 422	27 092 235	15 974 649	-6 856 219	-30,0%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	1 500	1 500	-
Securities	1 486 187	560 661	2 726 864	9 876 543	8 390 356	564,6%
Bonds	762 437	440 229	1 928 094	9 405 993	8 643 556	1 133,7%
Federal Loan Bonds (OFZs), OBRs	26 460	25 098	442 062	7 162 111	7 135 651	26 967,7%
Corporate bonds	1 810	1 640	1 126	2 001	191	10,6%
Financial institutions bonds	11 246	10 293	162 243	8 154	-3 092	-27,5%
Foreign sovereign bonds	530 090	282 300	748 361	1 197 334	667 244	125,9%
Corporate foreign bonds	88 871	52 181	94 302	555 444	466 573	525,0%
Valuation allowance	103 960	68 717	63 795	169 513	65 553	63,1%
Pledged under REPO	-	-	416 205	311 436	311 436	-
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	-	-	-	-	-	-
Promissory notes	723 750	120 432	798 770	470 550	-253 200	-35,0%
Banks	723 750	120 432	798 770	68 666	-655 084	-90,5%
Corporate foreign	-	-	-	401 884	401 884	-
Provision for impairment of promissory notes	-	-	-	-	-	-
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	11 512 568	9 496 846	12 413 008	15 954 638	4 442 070	38,6%
residents	9 220 694	8 180 053	10 495 897	9 706 054	485 360	5,3%
up to 30 days	1 036 582	1 274 242	1 811 067	306 183	-730 399	-70,5%
up to 180 days	909 065	2 030 950	1 416 096	347 647	-561 418	-61,8%
up to 1 year	2 995 163	1 983 231	2 931 031	4 881 483	1 886 320	63,0%
up to 3 years	3 384 069	2 255 541	2 770 408	1 669 825	-1 714 244	-50,7%
more than 3 years	895 815	636 089	1 567 295	2 500 916	1 605 101	179,2%
non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
state-owned enterprises	17 556	58 271	400 392	-	-17 556	-100,0%
up to 180 days	17 556	-	358 971	-	-17 556	-100,0%
up to 1 year	-	58 271	41 421	-	-	-
Past-due	1 658 072	587 038	1 117 249	5 546 355	3 888 283	234,5%
residents	1 658 072	587 038	1 117 249	1 522 582	-135 490	-8,2%
non-residents	-	-	-	4 023 773	4 023 773	-
Provision for impairment of corporate loans	616 246	671 484	399 470	702 229	85 983	14,0%
residents	615 724	670 426	399 470	464 188	-151 536	-24,6%
non-residents	-	-	-	238 041	238 041	-
state-owned enterprises	522	1 058	-	-	-522	-100,0%
Loans to private entrepreneurs	-	-	3 801	203 369	203 369	-
up to 3 years	-	-	3 801	-	-	-
more than 3 years	-	-	-	203 330	203 330	-
Provision for impairment of loans to private entrepreneurs	-	-	-	39	39	-
Loans to individuals	729 095	634 955	708 886	1 013 426	284 331	39,0%
Standard	625 794	537 428	658 165	865 596	239 802	38,3%
up to 30 days	34 938	35 436	41 803	53 341	18 403	52,7%
up to 180 days	30 398	11 398	950	-	-30 398	-100,0%
up to 1 year	11 686	8 000	17 557	2 505	-9 181	-78,6%
up to 3 years	86 226	34 575	99 026	96 141	9 915	11,5%
more than 3 years	462 546	448 019	498 829	713 609	251 063	54,3%
Past-due	5 451	35 321	11 152	11 986	6 535	119,9%
Past-due	5 451	35 321	11 152	11 986	6 535	119,9%
Provision for impairment of loans to individuals	97 850	62 206	39 569	135 844	37 994	38,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	763 927 786	612 829 703	734 803 396	437 692 369	-326 235 417	-42,7%
Mandatory reserves with Central Bank	7 999	2 734	11 241	31 326	23 327	291,6%
Premises and equipment	1 825 400	472 723	1 299 512	6 295 923	4 470 523	244,9%
Purchase cost	1 823 313	470 627	1 249 400	6 104 302	4 280 989	234,8%
Depreciation	2 087	2 096	50 112	191 621	189 534	9 081,6%
Accrued interest not yet received	1 192 428	1 196 473	1 294 700	1 355 715	163 287	13,7%
Factoring	-	-	-	-	-	-
Other assets	758 532 210	609 792 840	730 804 580	428 081 254	-330 450 956	-43,6%
Provision for impairment of other assets	101 363	67 368	306 030	50 928	-50 435	-49,8%
Derivatives - assets	2 268 386	1 281 591	1 087 333	1 877 223	-391 163	-17,2%
Deferred tax asset	-	15 974	-	-	-	-
LIABILITIES	895 790 236	747 446 033	904 460 998	505 234 328	-390 555 908	-43,6%
Dues to banks	4 285 837	4 307 147	6 484 170	6 048 850	1 763 013	41,1%
On demand	327 780	432 193	704 303	309 728	-18 052	-5,5%
Residents	294 643	364 639	611 250	262 959	-31 684	-10,8%
Non-residents	33 137	67 554	93 053	46 769	13 632	41,1%
Term	379 931	197 159	884 488	1 741 311	1 361 380	358,3%
Residents	191 186	62 638	718 885	1 499 532	1 308 346	684,3%
up to 30 days	-	-	400 000	1 307 077	1 307 077	-
more than 180 days	191 186	62 638	318 885	192 302	1 116	0,6%
Past-due	-	-	-	153	153	-
Non-residents	188 745	134 521	165 603	241 779	53 034	28,1%
up to 180 days	150 016	119 759	153 822	182 367	32 351	21,6%
more than 180 days	38 729	14 762	11 781	59 412	20 683	53,4%
Other dues to banks	3 578 126	3 677 795	4 895 379	3 997 811	419 685	11,7%
On demand	89 799 736	83 639 166	125 491 016	66 785 699	-23 014 037	-25,6%
Corporate clients	81 773 445	75 222 180	111 804 194	52 984 742	-28 788 703	-35,2%
State-owned enterprises	420 261	297 580	3 714 512	4 898 628	4 478 367	1 065,6%
Residents	78 999 225	73 822 455	104 916 889	43 407 854	-35 591 371	-45,1%
Non-residents	2 353 959	1 102 145	3 172 793	4 678 260	2 324 301	98,7%
Individuals	8 002 914	8 416 123	13 681 478	13 789 571	5 786 657	72,3%
Residents	7 919 493	8 318 422	13 501 225	13 722 939	5 803 446	73,3%
Non-residents	83 421	97 701	180 253	66 632	-16 789	-20,1%
Brokerage accounts	23 377	863	5 344	11 386	-11 991	-51,3%
Residents	23 376	862	5 343	11 386	-11 990	-51,3%
Non-residents	1	1	1	-	-1	-100,0%
Term	8 511 855	8 906 277	10 963 104	16 548 474	8 036 619	94,4%
Corporate clients	2 585 437	2 825 197	1 867 802	4 347 041	1 761 604	68,1%
Residents	2 419 527	2 771 301	1 801 511	3 857 663	1 438 136	59,4%
up to 30 days	1 560 800	1 702 000	734 500	1 601 637	40 837	2,6%
up to 180 days	193 697	273 916	252 343	253 635	59 938	30,9%
up to 1 year	70 441	78 964	22 189	477 184	406 743	577,4%
up to 3 years	594 589	716 421	792 479	1 407 016	812 427	136,6%
more than 3 years	-	-	-	118 191	118 191	-
Non-residents	148 910	50 946	66 291	387 808	238 898	160,4%
more than 3 years	148 910	50 946	66 291	387 808	238 898	160,4%
State-owned enterprises	17 000	2 950	-	101 570	84 570	497,5%
up to 30 days	-	-	-	100 000	100 000	-
up to 1 year	-	-	-	1 570	1 570	-
up to 3 years	17 000	2 950	-	-	-17 000	-100,0%
Individuals	5 926 418	6 081 080	9 095 302	12 201 433	6 275 015	105,9%
residents	5 860 435	6 024 353	8 953 889	12 058 014	6 197 579	105,8%
up to 30 days	65	38	65	11	-54	-83,1%
up to 180 days	287 538	150 490	194 622	315 501	27 963	9,7%
up to 1 year	410 949	228 523	325 149	595 823	184 874	45,0%
up to 3 years	5 155 169	5 644 406	8 427 806	11 137 071	5 981 902	116,0%
more than 3 years	6 714	896	6 247	9 608	2 894	43,1%
non-residents	65 983	56 727	141 413	143 419	77 436	117,4%
up to 180 days	4 963	2 573	477	2 475	-2 488	-50,1%
up to 1 year	3 920	1 256	1 315	2 364	-1 556	-39,7%
up to 3 years	57 100	52 898	139 591	138 580	81 480	142,7%
more than 3 years	-	-	30	-	-	-
Securities issued	611 836	82 769	391 521	239 894	-371 942	-60,8%
Promissory notes	611 836	82 769	391 521	239 894	-371 942	-60,8%
on demand	516 277	64 196	217 145	129 879	-386 398	-74,8%
up to 30 days	49 000	-	168 020	-	-49 000	-100,0%
up to 180 days	40 703	-	752	11 740	-28 963	-71,2%
up to 1 year	4 785	3 248	3 700	49 928	45 143	943,4%
up to 3 years	1 071	15 325	1 904	1 144	73	6,8%
more than 3 years	-	-	-	47 203	47 203	-
Discount accrued	-	-	-	-	-	-
Other liabilities	792 580 972	650 510 674	761 131 187	415 611 411	-376 969 561	-47,6%
Other liabilities	791 613 193	649 505 822	760 113 908	413 973 576	-377 639 617	-47,7%
Accrued interest not yet paid	783 912	802 635	841 501	632 447	-151 465	-19,3%
Liabilities past-due	-	-	-	528 028	528 028	-
Derivatives - liabilities	183 867	202 217	175 778	477 360	293 493	159,6%
EQUITY	13 942 142	7 985 055	10 539 321	268 304 479	254 362 337	1 824,4%
Capital	84 670	67 522	273 326	96 418	11 748	13,9%
Profit from previous years	-	-	-	118 005 028	118 005 028	-
Retained earnings from previous years	-	-	-	118 005 028	118 005 028	-
Current year profit	13 838 546	7 908 998	10 231 303	150 142 650	136 304 104	985,0%
Current year retained earnings	13 838 546	7 908 998	10 231 303	150 142 650	136 304 104	985,0%
Future expenses	18 926	8 535	34 692	60 383	41 457	219,0%
OFF-BALANCE SHEET	13 312 722	14 434 788	16 442 909	17 081 756	3 769 034	28,3%
Contingent liabilities	11 326 172	11 268 333	14 094 169	4 971 333	-6 354 839	-56,1%
Guarantees issued	199 916	265 888	267 642	283 680	83 764	41,9%
Unused credit limits opened	11 100 587	10 989 912	13 791 452	4 655 096	-6 445 491	-58,1%
Unused guarantee limits	25 669	12 533	35 075	32 557	6 888	26,8%
Collateral on loans	1 111 189	2 923 024	1 440 955	2 640 996	1 529 807	137,7%
goods	1 000 232	2 753 460	1 291 457	2 436 694	1 436 462	143,6%
securities	110 957	169 564	149 498	204 302	93 345	84,1%
Unprocessed payments	632 674	218 030	878 837	9 433 200	8 800 526	1 391,0%
Due to lack of funds in bank	-	-	-	8 365 758	8 365 758	-
Due to lack of funds on client accounts	632 674	218 030	878 837	1 067 442	434 768	68,7%
Other off-balance sheet accounts	242 687	25 401	28 948	36 227	-206 460	-85,1%
Accrued interest not yet received	33 771	25 327	27 957	36 011	2 240	6,6%
Written-off interest	3 753	74	137	216	-3 537	-94,2%
Written-off loans	205 163	-	854	-	-205 163	-100,0%
Credit card balances	34 938	35 436	41 803	53 341	18 403	52,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-