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

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	BANK PREMIER CREDIT	add to comparison
Central Bank of Russia registration number: 1663 foreign shareholders

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.	01.06.2017	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 480 055	7 320 201	2 158 985	3,0	3,4	-321 070	-12,9%
High liquid assets	347 967	4 469 184	57 040	12,8	2,1	-290 927	-83,6%
Cash and equivalents	323 049	3 390 742	38 439	10,5	1,6	-284 610	-88,1%
Cash	196 439	932 618	10 955	4,7	0,4	-185 484	-94,4%
in cash and en route	194 910	927 799	10 955	4,8	0,4	-183 955	-94,4%
in ATMs	1 529	4 819	-	3,2	0,0	-1 529	-100,0%
Nostro account with Central Bank	126 610	2 458 124	27 484	19,4	1,1	-99 126	-78,3%
Nostro accounts	12 221	853 445	10 272	69,8	0,4	-1 949	-15,9%
Residents	12 221	853 445	10 272	69,8	0,4	-1 949	-15,9%
Money in transfer	12 783	193 473	8 409	15,1	0,1	-4 374	-34,2%
Exchange accounts	-	28 657	-	-	-	-	-
Provision for impairment of high-liquid assets	-86	2 873	-80	33,4	0,0	6	-7,0%
Interest-earning assets	1 784 413	401 001	1 702 935	0,2	0,2	-81 478	-4,6%
Dues from banks	3 391	281	3 545	0,1	0,0	154	4,5%
Residents	3 391	281	3 545	0,1	0,0	154	4,5%
up to 30 days	3 391	281	3 545	0,1	0,0	154	4,5%
Securities	47 129	47 894	-	1,0	0,0	-47 129	-100,0%
Bonds	47 129	47 894	-	1,0	0,0	-47 129	-100,0%
Financial institutions bonds	-	-	-	-	-	-	-
Corporate foreign bonds	45 689	46 454	-	1,0	0,0	-45 689	-100,0%
Valuation allowance	1 440	1 440	-	1,0	0,0	-1 440	-100,0%
Pledged under REPO	-	-	-	-	-	-	-
Past-due	624	-	624	0,0	0,0	-	0,0%
Provision for impairment of bonds	-624	-	-624	0,0	0,0	-	0,0%
Loans to corporate clients	1 288 772	291 710	1 268 016	0,2	0,1	-20 756	-1,6%
residents	1 803 624	212 394	1 837 818	0,1	0,1	34 194	1,9%
up to 30 days	86	3 602	2 453	41,9	0,0	2 367	2 752,3%
up to 1 year	878 480	154 732	755 748	0,2	0,1	-122 732	-14,0%
up to 3 years	824 357	175 386	978 266	0,2	0,1	153 909	18,7%
more than 3 years	100 701	1 406	101 351	0,0	0,0	650	0,6%
Past-due	34 629	35 750	18 304	1,0	0,0	-16 325	-47,1%
residents	34 629	35 750	18 304	1,0	0,0	-16 325	-47,1%
Provision for impairment of corporate loans	-549 481	77 760	-588 106	0,1	0,0	-38 625	7,0%
residents	-549 481	77 760	-588 106	0,1	0,0	-38 625	7,0%
Loans to individuals	445 121	61 270	431 374	0,1	0,0	-13 747	-3,1%
Standard	466 729	42 342	469 848	0,1	0,0	3 119	0,7%
up to 30 days	21 967	23 168	841	1,1	0,0	-21 126	-96,2%
up to 1 year	-	40 300	40 300	-	-	40 300	-
up to 3 years	319 381	15 805	303 576	0,0	0,0	-15 805	-4,9%
more than 3 years	125 381	250	125 131	0,0	0,0	-250	-0,2%
Memo: mortgage loans	327 978	-	-	0,0	0,0	-327 978	-100,0%
Past-due	7 001	2 073	9 074	0,3	0,0	2 073	29,6%
Past-due	7 001	2 073	9 074	0,3	0,0	2 073	29,6%
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-28 609	22 047	-47 548	0,8	0,0	-18 939	66,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	347 675	2 501 351	399 010	7,2	1,2	51 335	14,8%
Mandatory reserves with Central Bank	14 307	58 480	72 787	4,1	0,0	58 480	408,8%
Premises and equipment	153 457	55 504	152 049	0,4	0,0	-1 408	-0,9%
Purchase cost	166 905	54 877	163 754	0,3	0,0	-3 151	-1,9%
Depreciation	-13 448	2 370	-11 705	0,2	0,0	1 743	-13,0%
Accrued interest not yet received	9 128	30 187	9 831	3,3	0,0	703	7,7%
Other assets	107 876	2 350 032	115 546	21,8	1,1	7 670	7,1%
Provision for impairment of other assets	-28 116	22 666	-42 226	0,8	0,0	-14 110	50,2%
Deferred tax asset	91 023	-	91 023	0,0	0,0	-	0,0%
LIABILITIES	1 959 634	7 491 847	1 716 217	3,8	3,5	-243 417	-12,4%
Dues to banks	4	-	4	0,0	0,0	-	0,0%
On demand	4	-	4	0,0	0,0	-	0,0%
Residents	4	-	4	0,0	0,0	-	0,0%
Term	-	-	-	-	-	-	-
Central Bank of Russia	-	-	-	-	-	-	-
other	-	-	-	-	-	-	-
On demand	344 635	3 850 695	214 090	11,2	1,8	-130 545	-37,9%
Corporate clients	279 282	2 782 868	102 876	10,0	1,3	-176 406	-63,2%
State-owned enterprises	327	2 614	1 561	8,0	0,0	1 234	377,4%
Residents	278 955	2 780 245	101 315	10,0	1,3	-177 640	-63,7%
Non-residents	-	1 243	-	-	-	-	-
Individuals	65 353	1 113 688	111 214	17,0	0,5	45 861	70,2%
Residents	65 353	1 113 688	111 214	17,0	0,5	45 861	70,2%
Term	1 554 296	1 158 892	1 111 120	0,7	0,5	-443 176	-28,5%
Corporate clients	109 703	576 150	8 924	5,3	0,3	-100 779	-91,9%
Residents	109 703	576 150	8 924	5,3	0,3	-100 779	-91,9%
up to 180 days	57 928	493 564	8 924	8,5	0,2	-49 004	-84,6%
up to 1 year	51 775	82 586	-	1,6	0,0	-51 775	-100,0%
Individuals	1 444 593	582 742	1 102 196	0,4	0,3	-342 397	-23,7%
residents	1 442 467	582 705	1 097 292	0,4	0,3	-345 175	-23,9%
up to 30 days	6	6	-	1,0	0,0	-6	-100,0%
up to 180 days	5 795	4 315	1 501	0,7	0,0	-4 294	-74,1%
up to 1 year	12 976	536	12 488	0,0	0,0	-488	-3,8%
up to 3 years	1 419 503	577 848	1 079 116	0,4	0,3	-340 387	-24,0%
more than 3 years	4 187	-	4 187	0,0	0,0	-	0,0%
non-residents	2 126	2 815	4 904	1,3	0,0	2 778	130,7%
up to 180 days	6	6	6	1,0	0,0	-	0,0%
up to 3 years	2 120	2 809	4 898	1,3	0,0	2 778	131,0%
Securities issued	37 000	74 000	-	2,0	0,0	-37 000	-100,0%
Promissory notes	37 000	74 000	-	2,0	0,0	-37 000	-100,0%
up to 30 days	37 000	37 000	-	1,0	0,0	-37 000	-100,0%
up to 180 days	-	37 000	-	-	-	-	-
Other liabilities	23 699	2 775 564	391 003	117,1	1,3	367 304	1 549,9%
Other liabilities	11 074	2 364 631	9 209	213,5	1,1	-1 865	-16,8%
Accrued interest not yet paid	12 625	22 686	8 610	1,8	0,0	-4 015	-31,8%
Liabilities past-due	-	394 127	373 184	-	-	373 184	-
EQUITY	520 421	201 860	442 768	0,4	0,1	-77 653	-14,9%
Capital	503 700	11 905	502 260	0,0	0,0	-1 440	-0,3%
Profit from previous years	166 203	-	166 203	0,0	0,0	-	0,0%
Retained earnings from previous years	166 203	-	166 203	0,0	0,0	-	0,0%
Current year profit	-148 758	189 952	-225 181	1,3	0,1	-76 423	51,4%
Current year retained earnings	-148 758	189 952	-225 181	1,3	0,1	-76 423	51,4%
Future expenses	-724	213	-514	0,3	0,0	210	-29,0%
OFF-BALANCE SHEET	1 557 702	621 031	1 955 956	0,4	0,3	398 254	25,6%
Contingent liabilities	-8 893	148 170	-1 650	16,7	0,1	7 243	-81,4%
Unused credit limits opened	-8 893	148 170	-1 650	16,7	0,1	7 243	-81,4%
Collateral on loans	1 452 679	73 273	1 472 012	0,1	0,0	19 333	1,3%
goods	1 452 679	73 273	1 472 012	0,1	0,0	19 333	1,3%
Unprocessed payments	114 154	408 334	481 820	3,6	0,2	367 666	322,1%
Due to lack of funds in bank	-	394 519	373 184	-	-	373 184	-
Due to lack of funds on client accounts	114 154	19 333	108 636	0,2	0,0	-5 518	-4,8%
Other off-balance sheet accounts	-238	10 587	3 774	44,5	0,0	4 012	-1 685,7%
Accrued interest not yet received	2 126	10 587	6 138	5,0	0,0	4 012	188,7%
Written-off interest	-343	-	-343	0,0	0,0	-	0,0%
Written-off loans	-2 021	-	-2 021	0,0	0,0	-	0,0%
Credit card balances	21 967	23 168	841	1,1	0,0	-21 126	-96,2%
Past due ratio, total	180	-	117	0,0	0,0	-63	-35,0%
Past due ratio, individuals	148	-	189	0,0	0,0	41	27,7%
Past due ratio, corporates	188	-	99	0,0	0,0	-89	-47,3%
Past due ratio, corporates + entrepreneurs	188	-	99	0,0	0,0	-89	-47,3%
Risk-weighted assets	2 676 995	-	-	0,0	0,0	-2 676 995	-100,0%