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

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	CERIH	add to comparison
Central Bank of Russia registration number: 3278

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	29 625 076	30 821 559	13 018 714	7 357 094	-22 267 982	-75,2%
High liquid assets	10 726 561	13 024 037	10 382 954	5 906 607	-4 819 954	-44,9%
Cash and equivalents	4 699 553	5 580 002	5 515 097	3 092 378	-1 607 175	-34,2%
Cash	812 668	1 038 007	1 499 637	925 565	112 897	13,9%
in cash and en route	799 368	1 024 707	1 487 737	915 165	115 797	14,5%
in ATMs	13 300	13 300	11 900	10 400	-2 900	-21,8%
Nostro account with Central Bank	3 886 885	4 541 995	4 015 460	2 166 813	-1 720 072	-44,3%
Nostro accounts	1 100 373	1 748 070	1 691 085	1 085 926	-14 447	-1,3%
Non-residents	515 998	767 725	567 711	535 150	19 152	3,7%
Residents	584 375	980 345	1 123 374	550 776	-33 599	-5,7%
Money in transfer	4 579 663	5 246 454	2 963 083	1 410 685	-3 168 978	-69,2%
Exchange accounts	346 390	449 300	213 643	317 541	-28 849	-8,3%
Provision for impairment of high-liquid assets	582	211	46	77	-505	-86,8%
Interest-earning assets	8 301 207	9 005 185	1 699 007	913 135	-7 388 072	-89,0%
Dues from banks	1 155 522	635 362	1 040 667	621 025	-534 497	-46,3%
Residents	1 155 522	635 362	1 040 667	621 025	-534 497	-46,3%
up to 30 days	1 120 522	610 362	820 667	501 025	-619 497	-55,3%
up to 180 days	35 000	25 000	220 000	120 000	85 000	242,9%
Securities	6 992 977	7 957 327	232 419	-	-6 992 977	-100,0%
Bonds	6 992 977	7 957 327	232 419	-	-6 992 977	-100,0%
Federal Loan Bonds (OFZs), OBRs	2 262 510	1 239 138	-	-	-2 262 510	-100,0%
Corporate bonds	441 968	1 723 888	154 215	-	-441 968	-100,0%
Financial institutions bonds	636 216	993 741	-	-	-636 216	-100,0%
Corporate foreign bonds	167 004	384 205	-	-	-167 004	-100,0%
Valuation allowance	7 186	21 391	1 882	-	-7 186	-100,0%
Pledged under REPO	3 478 093	3 594 964	76 322	-	-3 478 093	-100,0%
Loans to corporate clients	118 778	382 683	353 441	281 281	162 503	136,8%
residents	113 707	351 718	187 175	256 557	142 850	125,6%
up to 30 days	7 127	5 241	-	9 212	2 085	29,3%
up to 180 days	30 359	135 252	102 987	157 067	126 708	417,4%
up to 1 year	56 221	111 225	84 188	90 278	34 057	60,6%
up to 3 years	20 000	100 000	-	-	-20 000	-100,0%
more than 3 years	-	-	-	-	-	-
non-residents	-	-	70 000	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	70 000	-	-	-
Past-due	1 662	6 601	27 672	3 842	2 180	131,2%
residents	1 662	6 601	7 672	3 842	2 180	131,2%
non-residents	-	-	20 000	-	-	-
Provision for impairment of corporate loans	3 409	24 364	68 594	20 882	17 473	512,6%
residents	3 409	24 364	64 594	20 882	17 473	512,6%
non-residents	-	-	4 000	-	-	-
Loans to private entrepreneurs	2 422	2 422	11 878	1 698	-724	-29,9%
Past-due	2 375	2 350	1 924	1 554	-821	-34,6%
Provision for impairment of loans to private entrepreneurs	47	72	9 954	144	97	206,4%
Loans to individuals	31 508	27 391	60 602	9 131	-22 377	-71,0%
Standard	24 836	19 594	17 944	165	-24 671	-99,3%
up to 30 days	5	-	-	-	-5	-100,0%
up to 180 days	346	304	234	-	-346	-100,0%
up to 1 year	3 657	1 201	1 869	165	-3 492	-95,5%
up to 3 years	20 828	18 089	15 841	-	-20 828	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	4 921	5 513	5 738	6 351	1 430	29,1%
Past-due	4 921	5 513	5 738	6 351	1 430	29,1%
Provision for impairment of loans to individuals	1 751	2 284	36 920	2 615	864	49,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	10 597 308	8 792 337	936 753	537 352	-10 059 956	-94,9%
Mandatory reserves with Central Bank	-	3	2 412	1 004	1 004	-
Premises and equipment	265 425	956 341	186 312	40 558	-224 867	-84,7%
Purchase cost	265 425	956 341	186 312	34 995	-230 430	-86,8%
Depreciation	-	-	-	5 563	5 563	-
Accrued interest not yet received	34 452	38 047	41 887	41 211	6 759	19,6%
Other assets	10 285 609	7 772 267	695 457	451 021	-9 834 588	-95,6%
Provision for impairment of other assets	11 822	25 679	10 685	3 558	-8 264	-69,9%
LIABILITIES	16 881 864	15 176 410	5 675 201	4 405 176	-12 476 688	-73,9%
Dues to banks	3 140 007	3 722 005	141 873	364	-3 139 643	-100,0%
Term	3 140 000	3 722 000	141 000	344	-3 139 656	-100,0%
Central Bank of Russia	3 105 000	3 682 000	121 000	-	-3 105 000	-100,0%
other	3 105 000	3 682 000	121 000	-	-3 105 000	-100,0%
Residents	35 000	40 000	20 000	-	-35 000	-100,0%
up to 30 days	35 000	40 000	20 000	-	-35 000	-100,0%
Non-residents	-	-	-	344	344	-
up to 30 days	-	-	-	344	344	-
Other dues to banks	7	5	873	20	13	185,7%
On demand	3 397 391	3 463 906	3 957 862	3 126 027	-271 364	-8,0%
Corporate clients	2 646 602	3 068 218	3 305 500	2 446 194	-200 408	-7,6%
Residents	2 631 814	3 028 295	3 295 043	2 382 974	-248 840	-9,5%
Non-residents	14 788	39 923	10 457	63 220	48 432	327,5%
Individuals	750 789	395 688	652 362	679 833	-70 956	-9,5%
Residents	750 570	383 246	651 445	679 597	-70 973	-9,5%
Non-residents	219	12 442	917	236	17	7,8%
Term	260 916	373 154	822 687	460 863	199 947	76,6%
Corporate clients	8 002	44 199	11 397	241	-7 761	-97,0%
Residents	8 002	44 199	11 397	241	-7 761	-97,0%
up to 30 days	-	44 199	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	1 000	-	7 000	-	-1 000	-100,0%
more than 3 years	7 002	-	4 397	241	-6 761	-96,6%
Non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Individuals	252 914	328 955	811 290	460 622	207 708	82,1%
residents	252 914	328 955	811 290	460 543	207 629	82,1%
up to 1 year	86 560	54 404	68 433	5 227	-81 333	-94,0%
up to 3 years	164 739	268 839	738 367	444 303	279 564	169,7%
more than 3 years	1 615	5 712	4 490	11 013	9 398	581,9%
non-residents	-	-	-	79	79	-
up to 1 year	-	-	-	35	35	-
up to 3 years	-	-	-	44	44	-
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-
Other liabilities	10 083 550	7 617 345	752 779	817 922	-9 265 628	-91,9%
Other liabilities	10 052 634	7 584 635	717 678	798 763	-9 253 871	-92,1%
Accrued interest not yet paid	30 916	32 710	35 101	19 159	-11 757	-38,0%
EQUITY	357 626	422 956	176 408	9 783 637	9 426 011	2 635,7%
Capital	200 881	116 217	-	-	-200 881	-100,0%
Profit from previous years	-	-	-	7 253 328	7 253 328	-
Retained earnings from previous years	-	-	-	7 253 328	7 253 328	-
Current year profit	156 479	305 873	176 201	2 530 201	2 373 722	1 517,0%
Current year retained earnings	156 479	305 873	176 201	2 530 201	2 373 722	1 517,0%
Future expenses	266	866	207	108	-158	-59,4%
OFF-BALANCE SHEET	2 450 056	529 518	739 912	135 445	-2 314 611	-94,5%
Contingent liabilities	55 770	271 598	230 052	91 487	35 717	64,0%
Guarantees issued	-	-	-	-	-	-
Unused credit limits opened	55 770	271 598	230 052	91 487	35 717	64,0%
Collateral on loans	28 588	26 874	453 940	26 090	-2 498	-8,7%
goods	22 562	7 100	447 004	21 124	-1 438	-6,4%
securities	6 026	19 774	6 936	4 966	-1 060	-17,6%
precious metals	-	-	-	-	-	-
Unprocessed payments	2 363 225	226 798	51 426	13 303	-2 349 922	-99,4%
Due to lack of funds on client accounts	2 363 225	226 798	51 426	13 303	-2 349 922	-99,4%
Other off-balance sheet accounts	2 473	4 248	4 494	4 565	2 092	84,6%
Accrued interest not yet received	2 473	4 248	4 494	4 565	2 092	84,6%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	5	-	-	-	-5	-100,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-