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

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	RADIOTEHBANK	add to comparison
Central Bank of Russia registration number: 1166 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	12 043 671	9 936 615	17 335 883	18 663 590	6 619 919	55,0%
High liquid assets	8 184 924	7 739 801	10 907 150	12 119 649	3 934 725	48,1%
Cash and equivalents	7 964 370	7 372 502	10 520 100	11 606 613	3 642 243	45,7%
Cash	1 279 865	1 742 566	1 868 665	1 920 303	640 438	50,0%
in cash and en route	1 245 958	1 704 050	1 833 672	1 879 513	633 555	50,8%
in ATMs	33 907	38 516	34 927	40 790	6 883	20,3%
precious metals	-	-	66	-	-	-
Nostro account with Central Bank	6 684 505	5 629 936	8 651 435	9 686 310	3 001 805	44,9%
Nostro accounts	129 288	248 839	183 284	282 382	153 094	118,4%
Residents	129 288	248 839	183 284	282 382	153 094	118,4%
Money in transfer	91 265	118 460	203 753	230 654	139 389	152,7%
Provision for impairment of high-liquid assets	1	-	13	-	-1	-100,0%
Interest-earning assets	3 742 886	2 075 862	5 726 600	6 293 127	2 550 241	68,1%
Dues from banks	3 022 000	1 639 296	5 009 000	5 483 000	2 461 000	81,4%
Central Bank of Russia	1 082 000	624 000	1 630 000	1 858 000	776 000	71,7%
Residents	1 940 000	1 015 296	3 335 000	3 625 000	1 685 000	86,9%
up to 30 days	1 940 000	1 015 296	3 335 000	3 625 000	1 685 000	86,9%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	44 000	-	-	-
Securities	1 485	1 329	61 094	18 779	17 294	1 164,6%
Bonds	1 485	1 329	3 099	2 072	587	39,5%
Federal Loan Bonds (OFZs), OBRs	477	488	360	81	-396	-83,0%
Corporate bonds	164	169	82	-	-164	-100,0%
Financial institutions bonds	290	299	182	-	-290	-100,0%
Valuation allowance	554	373	2 475	1 991	1 437	259,4%
Promissory notes	-	-	57 975	10 182	10 182	-
Banks	-	-	57 975	10 182	10 182	-
Provision for impairment of promissory notes	-	-	-	-	-	-
Stocks	-	-	20	6 525	6 525	-
Residents	-	-	-	-	-	-
Valuation allowance	-	-	20	6 525	6 525	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	658 503	393 118	638 686	757 992	99 489	15,1%
residents	581 112	380 855	449 518	748 355	167 243	28,8%
up to 30 days	69 436	90 978	110 851	96 328	26 892	38,7%
up to 180 days	174 860	153 557	172 542	217 835	42 975	24,6%
up to 1 year	245 903	136 320	147 125	417 507	171 604	69,8%
up to 3 years	70 183	-	19 000	16 685	-53 498	-76,2%
more than 3 years	20 730	-	-	-	-20 730	-100,0%
Past-due	1 585	1 760	75 383	2 996	1 411	89,0%
residents	1 585	1 760	75 383	2 996	1 411	89,0%
Provision for impairment of corporate loans	75 806	10 503	113 785	6 641	-69 165	-91,2%
residents	75 806	10 503	113 785	6 641	-69 165	-91,2%
Loans to private entrepreneurs	73	212	140	97	24	32,9%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	56	55	56	56	-	0,0%
Provision for impairment of loans to private entrepreneurs	17	157	84	41	24	141,2%
Loans to individuals	60 825	41 907	17 680	33 259	-27 566	-45,3%
Standard	49 919	21 451	4 866	25 554	-24 365	-48,8%
up to 30 days	2 401	1 539	1 853	1 262	-1 139	-47,4%
up to 180 days	-	-	-	5 000	5 000	-
up to 1 year	25 271	136	-	200	-25 071	-99,2%
up to 3 years	8 790	1 114	564	1 510	-7 280	-82,8%
more than 3 years	13 457	18 662	2 449	17 582	4 125	30,7%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	2 757	4 665	3 760	2 213	-544	-19,7%
Past-due	2 757	4 665	3 760	2 213	-544	-19,7%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	8 149	15 791	9 054	5 492	-2 657	-32,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	115 861	120 952	702 133	250 814	134 953	116,5%
Mandatory reserves with Central Bank	385	290	22	107	-278	-72,2%
Premises and equipment	15 725	16 766	329 541	77 551	61 826	393,2%
Purchase cost	15 719	16 766	329 541	72 823	57 104	363,3%
Depreciation	6	-	-	4 728	4 722	78 700,0%
Accrued interest not yet received	29 697	29 894	30 187	31 616	1 919	6,5%
Assets under management	-	-	-	-	-	-
Other assets	27 459	64 107	334 126	108 490	81 031	295,1%
Provision for impairment of other assets	42 595	9 895	8 257	33 050	-9 545	-22,4%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	5 298 645	5 997 452	5 959 580	6 363 325	1 064 680	20,1%
Dues to banks	-	-	-	1 707	1 707	-
Other dues to banks	-	-	-	1 707	1 707	-
On demand	4 287 825	4 677 278	4 562 922	5 029 465	741 640	17,3%
Corporate clients	4 142 853	4 578 889	4 470 120	4 915 929	773 076	18,7%
State-owned enterprises	1 161	1 132	3 503	8 822	7 661	659,9%
Residents	4 097 756	4 519 116	4 422 265	4 858 528	760 772	18,6%
Non-residents	43 936	58 641	44 352	48 579	4 643	10,6%
Individuals	144 972	98 389	92 802	113 536	-31 436	-21,7%
Residents	144 972	97 761	92 802	113 520	-31 452	-21,7%
Non-residents	-	628	-	16	16	-
Term	858 022	1 118 555	1 094 329	1 087 173	229 151	26,7%
Corporate clients	664 572	787 799	772 146	803 822	139 250	21,0%
Residents	664 572	787 799	772 146	803 822	139 250	21,0%
up to 30 days	594 591	633 733	660 523	628 756	34 165	5,7%
up to 180 days	37 370	113 287	31 221	87 450	50 080	134,0%
up to 1 year	19 300	19 030	5 250	59 616	40 316	208,9%
up to 3 years	13 311	6 700	1 700	7 000	-6 311	-47,4%
more than 3 years	-	15 049	73 452	21 000	21 000	-
Individuals	193 450	330 756	322 183	283 351	89 901	46,5%
residents	193 450	330 756	322 183	283 351	89 901	46,5%
up to 180 days	3 759	1	25	686	-3 073	-81,8%
up to 1 year	112 454	217 452	210 598	180 520	68 066	60,5%
up to 3 years	62 506	97 461	87 402	72 522	10 016	16,0%
more than 3 years	14 731	15 842	24 158	29 623	14 892	101,1%
non-residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Securities issued	-	-	13 000	10 000	10 000	-
Promissory notes	-	-	13 000	10 000	10 000	-
on demand	-	-	13 000	10 000	10 000	-
Other liabilities	152 798	201 619	289 329	234 980	82 182	53,8%
Other liabilities	139 164	185 279	273 557	221 531	82 367	59,2%
Accrued interest not yet paid	13 634	16 340	15 772	13 449	-185	-1,4%
EQUITY	183 783	113 300	198 688	92 726	-91 057	-49,5%
Capital	30	117	10	3 407	3 377	11 256,7%
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	183 751	113 161	198 663	88 642	-95 109	-51,8%
Current year retained earnings	183 751	113 161	198 663	88 642	-95 109	-51,8%
Future expenses	2	22	15	677	675	33 750,0%
OFF-BALANCE SHEET	1 265 715	1 786 514	1 085 250	1 243 854	-21 861	-1,7%
Unused credit limits available	-	50 000	-	-	-	-
Contingent liabilities	870 078	495 730	629 844	909 511	39 433	4,5%
Guarantees issued	6 975	-	-	20 161	13 186	189,0%
Unused credit limits opened	863 103	492 730	629 844	889 350	26 247	3,0%
Unused guarantee limits	-	3 000	-	-	-	-
Collateral on loans	327 919	162 689	219 202	306 874	-21 045	-6,4%
goods	327 919	162 689	219 202	306 874	-21 045	-6,4%
securities	-	-	-	-	-	-
Unprocessed payments	65 313	1 068 607	213 986	10 509	-54 804	-83,9%
Due to lack of funds on client accounts	65 313	1 068 607	213 986	10 509	-54 804	-83,9%
Other off-balance sheet accounts	2 405	9 488	22 218	16 960	14 555	605,2%
Accrued interest not yet received	2 405	4 703	4 573	3 042	637	26,5%
Written-off interest	-	219	9 908	8 416	8 416	-
Written-off loans	-	4 566	7 737	5 502	5 502	-
Credit card balances	2 401	1 539	1 853	1 262	-1 139	-47,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-