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

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	RUBANK	add to comparison
Central Bank of Russia registration number: 2813 retail lending, retail funding

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	63 302 851	52 906 823	91 784 259	65 110 618	1 807 767	2,9%
High liquid assets	10 301 180	11 412 462	15 253 893	17 949 151	7 647 971	74,2%
Cash and equivalents	3 966 551	5 082 397	6 353 881	7 739 569	3 773 018	95,1%
Cash	1 703 142	1 530 038	2 275 397	2 965 976	1 262 834	74,1%
in cash and en route	1 469 770	1 279 395	1 976 112	2 556 341	1 086 571	73,9%
in ATMs	233 372	250 643	299 285	409 635	176 263	75,5%
Nostro account with Central Bank	2 263 409	3 552 359	4 078 484	4 773 593	2 510 184	110,9%
Nostro accounts	5 240 119	3 678 821	4 002 934	5 171 486	-68 633	-1,3%
Residents	5 240 119	3 678 821	4 002 934	5 171 486	-68 633	-1,3%
Money in transfer	746 966	1 134 306	1 283 084	1 448 345	701 379	93,9%
Exchange accounts	347 514	1 516 898	3 613 941	3 589 715	3 242 201	933,0%
Provision for impairment of high-liquid assets	30	40	53	36	6	20,0%
Interest-earning assets	5 096 974	2 315 492	1 917 267	2 683 426	-2 413 548	-47,4%
Dues from banks	4 386 000	2 002 527	1 464 700	2 060 000	-2 326 000	-53,0%
Central Bank of Russia	4 275 000	1 460 000	990 000	2 060 000	-2 215 000	-51,8%
Residents	110 000	540 027	470 000	-	-110 000	-100,0%
up to 30 days	110 000	240 000	470 000	-	-110 000	-100,0%
up to 180 days	-	300 027	-	-	-	-
Provision for impairment of loans to banks	1 000	2 500	4 700	-	-1 000	-100,0%
Securities	619 991	163 041	323 149	480 266	-139 725	-22,5%
Bonds	272 089	38 384	104 568	474 936	202 847	74,6%
Federal Loan Bonds (OFZs), OBRs	25	25	24	100 783	100 758	403 032,0%
Corporate bonds	49 371	1 078	1 028	52 795	3 424	6,9%
Financial institutions bonds	794	714	656	678	-116	-14,6%
Corporate foreign bonds	129 026	18 939	86 342	307 917	178 891	138,6%
Valuation allowance	753	17	906	786	33	4,4%
Pledged under REPO	92 120	17 611	15 612	11 977	-80 143	-87,0%
Promissory notes	347 902	76 303	218 581	5 330	-342 572	-98,5%
Banks	345 101	76 303	217 834	5 330	-339 771	-98,5%
Provision for impairment of promissory notes	2 801	-	747	-	-2 801	-100,0%
Stocks	-	48 354	-	-	-	-
Residents	-	45 000	-	-	-	-
Valuation allowance	-	3 354	-	-	-	-
Loans to corporate clients	4 531	8 715	2 322	6 627	2 096	46,3%
residents	3 000	1 100	1 100	-	-3 000	-100,0%
up to 1 year	3 000	1 100	1 100	-	-3 000	-100,0%
Past-due	1 399	-	-	-	-1 399	-100,0%
residents	1 399	-	-	-	-1 399	-100,0%
Provision for impairment of corporate loans	132	7 615	1 222	6 627	6 495	4 920,5%
residents	132	7 615	1 222	6 627	6 495	4 920,5%
Loans to individuals	86 452	141 209	127 096	136 533	50 081	57,9%
Standard	44 227	54 838	35 968	50 951	6 724	15,2%
up to 180 days	4 439	8 233	8 222	10 739	6 300	141,9%
up to 1 year	11 916	12 263	9 608	15 001	3 085	25,9%
up to 3 years	23 964	30 035	15 473	22 844	-1 120	-4,7%
more than 3 years	3 908	4 307	2 665	2 367	-1 541	-39,4%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	19 314	32 297	28 875	27 008	7 694	39,8%
Past-due	19 314	32 297	28 875	27 008	7 694	39,8%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	22 911	54 074	62 253	58 574	35 663	155,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	47 904 697	39 178 869	74 613 099	44 478 041	-3 426 656	-7,2%
Mandatory reserves with Central Bank	443	449	11 278	370	-73	-16,5%
Premises and equipment	240 498	227 743	388 392	194 493	-46 005	-19,1%
Purchase cost	239 146	227 051	388 392	194 493	-44 653	-18,7%
Depreciation	1 352	692	-	-	-1 352	-100,0%
Accrued interest not yet received	13 976	15 783	20 930	22 871	8 895	63,6%
Other assets	47 640 827	38 912 976	74 184 845	44 255 558	-3 385 269	-7,1%
Provision for impairment of other assets	8 953	21 918	7 654	4 749	-4 204	-47,0%
LIABILITIES	48 937 622	40 827 411	76 565 911	47 174 053	-1 763 569	-3,6%
Dues to banks	78 730	558 323	262 155	280 993	202 263	256,9%
On demand	78 730	368 323	259 472	277 654	198 924	252,7%
Residents	78 730	368 323	259 472	277 654	198 924	252,7%
Term	-	190 000	-	-	-	-
Residents	-	190 000	-	-	-	-
up to 30 days	-	190 000	-	-	-	-
Other dues to banks	-	-	2 683	3 339	3 339	-
On demand	1 422 276	1 425 577	2 009 435	2 461 219	1 038 943	73,0%
Corporate clients	1 306 159	1 302 865	1 748 122	2 061 770	755 611	57,8%
Residents	1 289 207	1 290 656	1 729 147	1 939 340	650 133	50,4%
Non-residents	16 952	12 209	18 975	122 430	105 478	622,2%
Individuals	116 117	122 712	261 313	399 449	283 332	244,0%
Residents	115 994	122 635	261 085	398 743	282 749	243,8%
Non-residents	123	77	228	706	583	474,0%
Term	75 851	62 715	181 834	77 525	1 674	2,2%
Corporate clients	-	-	1 000	-	-	-
Residents	-	-	1 000	-	-	-
up to 180 days	-	-	1 000	-	-	-
Individuals	75 851	62 715	180 834	77 525	1 674	2,2%
residents	75 499	61 990	180 633	75 838	339	0,4%
up to 180 days	2 546	1 546	1 667	2 071	-475	-18,7%
up to 1 year	14 621	17 522	7 126	8 405	-6 216	-42,5%
up to 3 years	58 332	42 922	171 840	65 362	7 030	12,1%
non-residents	352	725	201	1 687	1 335	379,3%
up to 180 days	-	-	-	545	545	-
up to 1 year	-	-	-	-	-	-
up to 3 years	352	725	201	1 142	790	224,4%
Other liabilities	47 360 765	38 780 796	74 112 487	44 354 316	-3 006 449	-6,3%
Other liabilities	47 351 458	38 771 185	74 102 498	44 342 798	-3 008 660	-6,4%
Accrued interest not yet paid	9 249	9 611	9 989	11 518	2 269	24,5%
Deferred tax liabilities	58	-	-	-	-58	-100,0%
EQUITY	7 683 913	408 007	432 400	349 923	-7 333 990	-95,4%
Capital	19 760	15 684	976	59 648	39 888	201,9%
Profit from previous years	7 227 740	-	3 551	-	-7 227 740	-100,0%
Retained earnings from previous years	7 227 740	-	3 551	-	-7 227 740	-100,0%
Current year profit	436 325	392 259	427 763	289 941	-146 384	-33,5%
Current year retained earnings	436 325	392 259	427 763	289 941	-146 384	-33,5%
Future expenses	88	64	110	334	246	279,5%
OFF-BALANCE SHEET	26 203	119 095	28 717	166 297	140 094	534,6%
Contingent liabilities	11 621	1 170	11 120	65 110	53 489	460,3%
Guarantees issued	-	-	-	-	-	-
Unused credit limits opened	11 621	1 170	11 120	65 110	53 489	460,3%
Collateral on loans	1 200	-	2 000	90 640	89 440	7 453,3%
goods	1 200	-	2 000	90 640	89 440	7 453,3%
Unprocessed payments	779	105 625	3 992	200	-579	-74,3%
Due to lack of funds on client accounts	779	105 625	3 992	200	-579	-74,3%
Other off-balance sheet accounts	12 603	12 300	11 605	10 347	-2 256	-17,9%
Accrued interest not yet received	12 603	12 300	11 605	10 347	-2 256	-17,9%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-