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

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	RAYFFAYZENBANK	add to comparison
Central Bank of Russia registration number: 3292 foreign-controlled, CB RF representative, systemically important, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	28 550 604 434	27 930 853 301	34 634 337 016	28 928 161 253	377 556 819	1,3%
High liquid assets	7 722 910 349	8 198 093 227	9 952 523 045	7 225 786 832	-497 123 517	-6,4%
Cash and equivalents	3 158 958 233	3 265 064 599	4 215 985 188	3 256 617 324	97 659 091	3,1%
Cash	237 838 883	229 061 366	306 826 086	229 719 743	-8 119 140	-3,4%
in cash and en route	165 290 342	160 900 642	220 712 773	173 659 117	8 368 775	5,1%
in ATMs	72 548 305	68 160 366	86 113 115	56 060 328	-16 487 977	-22,7%
precious metals	236	358	198	298	62	26,3%
Nostro account with Central Bank	2 921 119 350	3 036 003 233	3 909 159 102	3 026 897 581	105 778 231	3,6%
Nostro accounts	3 252 150 894	3 443 317 269	4 127 711 564	2 801 349 335	-450 801 559	-13,9%
Non-residents	2 642 466 182	2 867 192 302	3 451 391 114	2 371 021 666	-271 444 516	-10,3%
Residents	609 684 712	576 124 967	676 320 450	430 327 669	-179 357 043	-29,4%
Money in transfer	1 311 752 764	1 489 641 771	1 608 781 763	1 167 650 023	-144 102 741	-11,0%
Provision for impairment of high-liquid assets	48 458	69 588	44 530	170 150	121 692	251,1%
Interest-earning assets	2 780 861 818	3 149 047 311	4 005 999 405	2 684 683 464	-96 178 354	-3,5%
Dues from banks	2 526 490 504	2 813 380 991	3 576 754 075	2 340 699 013	-185 791 491	-7,4%
Central Bank of Russia	34 803 450	138 500 000	315 300 000	288 500 000	253 696 550	728,9%
Residents	1 384 868 966	1 372 146 321	1 789 466 240	1 182 441 887	-202 427 079	-14,6%
up to 30 days	1 383 402 577	1 370 464 768	1 787 903 730	1 171 588 249	-211 814 328	-15,3%
up to 180 days	-	1 520 000	-	10 626 154	10 626 154	-
more than 180 days	1 466 389	161 553	1 562 510	227 484	-1 238 905	-84,5%
Non-residents	1 106 251 924	1 302 351 437	1 470 696 520	869 440 687	-236 811 237	-21,4%
up to 30 days	1 106 251 924	1 290 993 672	1 470 399 478	869 439 231	-236 812 693	-21,4%
up to 180 days	-	11 357 765	297 042	1 456	1 456	-
Loans past-due	1 648	49 051	878 267	98 260	96 612	5 862,4%
non-residents	-	48 000	870 000	-	-	-
residents	1 648	1 051	8 267	98 260	96 612	5 862,4%
Provision for impairment of loans to banks	564 516	334 182	413 048	218 179	-346 337	-61,4%
Securities	14 687 385	14 694 996	38 001 575	30 439 698	15 752 313	107,3%
Bonds	14 682 076	14 662 676	37 999 126	30 405 736	15 723 660	107,1%
Federal Loan Bonds (OFZs), OBRs	3 058 477	5 578 292	3 718 150	21 440 624	18 382 147	601,0%
Corporate bonds	191 161	300 185	366 968	338 635	147 474	77,1%
Financial institutions bonds	13 147	12 721	13 147	13 152	5	0,0%
Foreign sovereign bonds	446 351	1 802 123	30 794 673	3 447 349	3 000 998	672,3%
Corporate foreign bonds	9 507 623	5 722 689	1 431 753	4 609 390	-4 898 233	-51,5%
Foreign financial institutions bonds	3	-	-	-	-3	-100,0%
Valuation allowance	381 757	558 397	588 922	463 549	81 792	21,4%
Pledged under REPO	477 031	605 838	323 698	-	-477 031	-100,0%
Provision for impairment of bonds	606 526	82 431	761 815	93 037	-513 489	-84,7%
Stocks	5 309	32 320	2 449	33 962	28 653	539,7%
Residents	456	28 489	648	27 869	27 413	6 011,6%
Non-residents	2 289	3 678	1 684	5 791	3 502	153,0%
Valuation allowance	2 564	153	117	302	-2 262	-88,2%
Loans to corporate clients	206 059 963	281 524 572	353 459 939	285 473 374	79 413 411	38,5%
residents	183 408 340	254 256 622	337 742 872	249 806 940	66 398 600	36,2%
up to 30 days	115 479 437	186 584 436	255 414 338	179 198 228	63 718 791	55,2%
up to 180 days	25 941 449	24 926 718	31 942 929	34 478 219	8 536 770	32,9%
up to 1 year	24 850 053	22 136 177	34 101 624	23 657 843	-1 192 210	-4,8%
up to 3 years	9 129 752	4 547 475	7 811 178	3 382 596	-5 747 156	-62,9%
more than 3 years	8 007 649	16 061 816	8 472 803	9 090 054	1 082 405	13,5%
non-residents	13 536 210	13 460 614	9 247 571	27 602 688	14 066 478	103,9%
up to 30 days	2 736 223	1 376 002	4 155 465	8 298 593	5 562 370	203,3%
up to 180 days	6 636 431	8 371 544	2 746 736	1 751 057	-4 885 374	-73,6%
up to 1 year	1 685 137	1 104 519	678 075	15 430 889	13 745 752	815,7%
up to 3 years	2 020 872	900 971	908 346	608 973	-1 411 899	-69,9%
more than 3 years	457 547	1 707 578	758 949	1 513 176	1 055 629	230,7%
state-owned enterprises	1 919	36 049	62 032	80 032	78 113	4 070,5%
more than 3 years	1 919	36 049	62 032	80 032	78 113	4 070,5%
Past-due	382 935	2 572 125	311 309	356 887	-26 048	-6,8%
residents	362 331	525 363	308 092	356 887	-5 444	-1,5%
non-residents	20 601	2 046 741	3 217	-	-20 601	-100,0%
state-owned enterprises	3	21	-	-	-3	-100,0%
Provision for impairment of corporate loans	8 730 559	11 199 162	6 096 155	7 626 827	-1 103 732	-12,6%
residents	7 202 254	9 755 982	5 411 867	7 102 910	-99 344	-1,4%
non-residents	1 349 618	495 618	420 213	254 153	-1 095 465	-81,2%
state-owned enterprises	178 687	947 562	264 075	269 764	91 077	51,0%
Loans to private entrepreneurs	1 554 382	1 311 316	1 410 458	1 058 336	-496 046	-31,9%
up to 30 days	291 833	341 869	375 903	274 944	-16 889	-5,8%
up to 180 days	22 211	16 328	67 482	5 549	-16 662	-75,0%
up to 1 year	195 461	180 673	190 918	93 919	-101 542	-52,0%
up to 3 years	157 797	146 897	202 163	194 153	36 356	23,0%
more than 3 years	573 765	192 201	322 158	138 147	-435 618	-75,9%
Past-due	35 830	14 261	41 927	20 624	-15 206	-42,4%
Provision for impairment of loans to private entrepreneurs	277 485	419 087	209 907	331 000	53 515	19,3%
Loans to individuals	32 069 584	38 135 436	36 373 358	27 013 043	-5 056 541	-15,8%
Standard	28 212 797	27 984 350	33 006 199	24 037 903	-4 174 894	-14,8%
up to 30 days	11 102 953	12 059 724	13 707 682	11 546 854	443 901	4,0%
up to 180 days	170	3 921	7 191	1 329	1 159	681,8%
up to 1 year	5 673	4 714	7 891	3 502	-2 171	-38,3%
up to 3 years	1 009 113	918 220	1 000 839	841 321	-167 792	-16,6%
more than 3 years	16 094 888	14 997 771	18 282 596	11 644 897	-4 449 991	-27,6%
Past-due	1 125 346	1 009 122	961 980	1 121 225	-4 121	-0,4%
Past-due	1 125 346	1 009 122	961 980	1 121 225	-4 121	-0,4%
Provision for impairment of loans to individuals	2 731 441	9 141 964	2 405 179	1 853 915	-877 526	-32,1%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	18 046 832 267	16 583 712 763	20 675 814 566	19 017 690 957	970 858 690	5,4%
Mandatory reserves with Central Bank	-	-	234 474	654 063	654 063	-
Premises and equipment	30 422 246	50 011 842	23 122 817	48 188 836	17 766 590	58,4%
Purchase cost	30 256 554	49 919 450	22 741 294	48 114 966	17 858 412	59,0%
Depreciation	165 692	92 392	381 523	73 870	-91 822	-55,4%
Accrued interest not yet received	7 018 817	7 303 203	7 910 472	8 257 704	1 238 887	17,7%
Other assets	17 981 298 877	16 494 898 157	20 622 311 501	18 921 491 390	940 192 513	5,2%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	6 133 396	7 188 690	6 092 692	5 785 183	-348 213	-5,7%
Derivatives - assets	21 791 144	24 307 016	16 142 610	33 073 601	11 282 457	51,8%
Deferred tax asset	167 787	3 855	-	240 180	72 393	43,1%
LIABILITIES	22 919 005 837	22 505 605 308	26 911 675 065	19 401 756 513	-3 517 249 324	-15,3%
Dues to banks	822 525 774	757 652 041	857 172 032	880 617 957	58 092 183	7,1%
On demand	503 047 900	503 967 663	519 449 919	601 621 447	98 573 547	19,6%
Residents	48 817 620	33 780 287	56 206 999	20 514 461	-28 303 159	-58,0%
Non-residents	454 230 280	470 187 376	463 242 920	581 106 986	126 876 706	27,9%
Term	264 754 413	175 316 053	221 457 377	177 852 282	-86 902 131	-32,8%
Residents	245 892 442	134 778 947	191 189 476	147 114 394	-98 778 048	-40,2%
up to 30 days	245 583 896	128 843 213	184 644 976	146 769 394	-98 814 502	-40,2%
up to 180 days	308 546	5 935 734	6 544 500	345 000	36 454	11,8%
Non-residents	18 861 971	40 537 106	30 267 901	30 737 888	11 875 917	63,0%
up to 30 days	17 500 407	39 792 161	29 005 386	29 963 020	12 462 613	71,2%
more than 180 days	1 361 564	744 945	1 262 515	774 868	-586 696	-43,1%
Other dues to banks	54 723 461	78 368 325	116 264 736	101 144 228	46 420 767	84,8%
On demand	8 655 831 175	8 439 588 886	10 033 741 497	6 602 946 475	-2 052 884 700	-23,7%
Corporate clients	6 074 996 365	5 638 366 717	7 253 132 325	4 921 462 533	-1 153 533 832	-19,0%
State-owned enterprises	2 972 377	3 937 945	8 628 768	6 383 198	3 410 821	114,8%
Residents	5 800 339 093	5 375 271 773	6 771 793 021	4 663 621 550	-1 136 717 543	-19,6%
Non-residents	271 684 895	259 156 999	472 710 536	251 457 785	-20 227 110	-7,4%
Individuals	427 055 678	440 038 930	568 025 532	376 511 441	-50 544 237	-11,8%
Residents	411 680 206	425 000 672	550 194 752	362 051 775	-49 628 431	-12,1%
Non-residents	15 375 472	15 038 258	17 830 780	14 459 666	-915 806	-6,0%
Brokerage accounts	2 153 779 132	2 361 183 239	2 212 583 640	1 304 972 501	-848 806 631	-39,4%
Residents	143 049 973	189 013 651	197 970 143	173 218 119	30 168 146	21,1%
Non-residents	2 010 729 159	2 172 169 588	2 014 613 497	1 131 754 382	-878 974 777	-43,7%
Term	1 513 446 160	1 500 821 377	1 847 243 381	1 426 433 640	-87 012 520	-5,7%
Corporate clients	1 503 565 543	1 476 951 811	1 834 813 639	1 414 869 465	-88 696 078	-5,9%
Residents	1 488 369 167	1 460 942 339	1 803 727 737	1 386 180 250	-102 188 917	-6,9%
up to 30 days	1 463 165 330	1 427 319 438	1 783 249 494	1 352 336 737	-110 828 593	-7,6%
up to 180 days	24 749 217	31 789 413	19 696 539	32 996 544	8 247 327	33,3%
up to 1 year	276 719	911 739	528 240	726 887	450 168	162,7%
up to 3 years	19 284	835 429	251 234	109 340	90 056	467,0%
more than 3 years	158 617	86 320	2 230	10 742	-147 875	-93,2%
Non-residents	14 014 028	13 240 114	25 802 275	23 378 864	9 364 836	66,8%
up to 30 days	13 579 428	12 948 164	25 464 505	22 788 864	9 209 436	67,8%
up to 180 days	434 600	291 950	337 770	590 000	155 400	35,8%
State-owned enterprises	1 182 348	2 769 358	5 283 627	5 310 351	4 128 003	349,1%
up to 30 days	1 182 348	2 697 808	5 088 442	5 156 451	3 974 103	336,1%
up to 180 days	-	71 550	195 185	153 900	153 900	-
up to 1 year	-	-	-	-	-	-
Individuals	9 880 617	23 869 566	12 429 742	11 564 175	1 683 558	17,0%
residents	9 531 930	23 758 747	12 063 568	11 107 128	1 575 198	16,5%
up to 30 days	4 762 561	7 167 477	6 918 600	7 301 067	2 538 506	53,3%
up to 180 days	1 840 476	2 546 106	3 136 773	2 206 892	366 416	19,9%
up to 1 year	2 423 094	13 468 877	1 335 752	1 125 127	-1 297 967	-53,6%
up to 3 years	505 469	575 587	671 870	474 042	-31 427	-6,2%
more than 3 years	330	700	573	-	-330	-100,0%
non-residents	348 687	110 819	366 174	457 047	108 360	31,1%
up to 30 days	215 654	580	71 750	313 471	97 817	45,4%
up to 180 days	47 496	41 181	68 656	98 765	51 269	107,9%
up to 1 year	22 449	43 927	219 095	34 593	12 144	54,1%
up to 3 years	63 073	25 131	6 673	10 044	-53 029	-84,1%
more than 3 years	15	-	-	174	159	1 060,0%
Securities issued	-	-	-	6 366	6 366	-
Bonds	-	-	-	-	-	-
Promissory notes	-	-	-	6 366	6 366	-
on demand	-	-	-	3 183	3 183	-
up to 1 year	-	-	-	3 183	3 183	-
Other liabilities	11 927 202 728	11 807 543 004	14 173 518 155	10 491 752 075	-1 435 450 653	-12,0%
Other liabilities	11 909 083 925	11 779 283 869	14 151 130 651	10 458 886 831	-1 450 197 094	-12,2%
Accrued interest not yet paid	1 946 402	2 176 982	2 705 422	2 913 816	967 414	49,7%
Liabilities past-due	-	173 981	-	-	-	-
Derivatives - liabilities	16 093 679	25 763 705	19 682 082	29 860 425	13 766 746	85,5%
Deferred tax liabilities	78 722	144 467	-	91 003	12 281	15,6%
EQUITY	249 366 004	332 695 193	264 664 116	5 532 671 417	5 283 305 413	2 118,7%
Capital	957 107	66 779	11 327 466	980 866	23 759	2,5%
Profit from previous years	-	-	-	2 573 571 838	2 573 571 838	-
Retained earnings from previous years	-	-	-	2 573 571 838	2 573 571 838	-
Current year profit	248 408 897	332 628 414	253 336 650	2 958 118 713	2 709 709 816	1 090,8%
Current year retained earnings	248 408 897	332 628 414	253 336 650	2 958 118 713	2 709 709 816	1 090,8%
OFF-BALANCE SHEET	263 530 245	253 943 128	316 692 240	241 238 388	-22 291 857	-8,5%
Unused credit limits available	1 531 589	747 920	29 389	300 733	-1 230 856	-80,4%
Contingent liabilities	223 316 375	217 553 466	279 629 890	226 650 217	3 333 842	1,5%
Guarantees issued	26 708 082	27 666 896	40 975 430	44 481 661	17 773 579	66,5%
Unused credit limits opened	186 110 943	174 879 013	222 056 315	174 856 263	-11 254 680	-6,0%
Unused guarantee limits	10 497 350	15 007 557	16 598 145	7 312 293	-3 185 057	-30,3%
Collateral on loans	23 910 638	26 386 870	21 346 815	9 447 103	-14 463 535	-60,5%
goods	18 861 742	21 370 619	14 746 424	6 420 679	-12 441 063	-66,0%
securities	5 048 896	5 016 251	6 600 391	3 026 424	-2 022 472	-40,1%
Unprocessed payments	14 760 178	9 226 928	9 222 619	4 836 901	-9 923 277	-67,2%
Due to lack of funds on client accounts	14 760 178	9 226 928	9 222 619	4 836 901	-9 923 277	-67,2%
Other off-balance sheet accounts	11 465	27 944	6 463 527	3 434	-8 031	-70,0%
Written-off interest	1 744	7 213	762 305	14	-1 730	-99,2%
Written-off loans	9 721	20 731	5 701 222	3 420	-6 301	-64,8%
Credit card balances	11 102 953	12 059 724	13 707 682	11 546 854	443 901	4,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-