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

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	EVROALYANS	add to comparison
Central Bank of Russia registration number: 1781

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 919 915	10 044 352	1 907 318	5,2	5,3	-12 597	-0,7%
High liquid assets	192 400	5 700 465	185 458	29,6	3,0	-6 942	-3,6%
Cash and equivalents	158 840	5 262 584	145 661	33,1	2,8	-13 179	-8,3%
Cash	101 099	388 985	104 345	3,8	0,2	3 246	3,2%
in cash and en route	82 003	366 235	96 053	4,5	0,2	14 050	17,1%
in ATMs	19 096	33 554	8 292	1,8	0,0	-10 804	-56,6%
Nostro account with Central Bank	57 741	4 876 845	41 316	84,5	2,6	-16 425	-28,4%
Nostro accounts	31 366	380 165	36 805	12,1	0,2	5 439	17,3%
Residents	31 366	380 165	36 805	12,1	0,2	5 439	17,3%
Money in transfer	3 346	63 599	4 077	19,0	0,0	731	21,8%
Provision for impairment of high-liquid assets	-1 152	354	-1 085	0,3	0,0	67	-5,8%
Interest-earning assets	1 215 660	3 978 727	1 198 533	3,3	2,1	-17 127	-1,4%
Dues from banks	840 465	3 958 000	826 465	4,7	2,1	-14 000	-1,7%
Central Bank of Russia	837 000	3 958 000	823 000	4,7	2,1	-14 000	-1,7%
Residents	3 500	-	3 500	0,0	0,0	-	0,0%
up to 30 days	3 500	-	3 500	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-35	-	-35	0,0	0,0	-	0,0%
Loans to corporate clients	147 533	13 942	153 559	0,1	0,0	6 026	4,1%
residents	142 856	12 774	148 693	0,1	0,0	5 837	4,1%
up to 30 days	3 067	7 474	4 952	2,4	0,0	1 885	61,5%
up to 1 year	10 400	80	10 320	0,0	0,0	-80	-0,8%
up to 3 years	87 351	5 300	91 794	0,1	0,0	4 443	5,1%
more than 3 years	42 038	411	41 627	0,0	0,0	-411	-1,0%
Past-due	55 811	-	55 811	0,0	0,0	-	0,0%
residents	55 811	-	55 811	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-51 134	1 168	-50 945	0,0	0,0	189	-0,4%
residents	-51 134	1 168	-50 945	0,0	0,0	189	-0,4%
Loans to private entrepreneurs	104 819	1 012	103 872	0,0	0,0	-947	-0,9%
up to 3 years	16 776	473	16 303	0,0	0,0	-473	-2,8%
more than 3 years	84 341	307	84 034	0,0	0,0	-307	-0,4%
Past-due	36 056	1	36 055	0,0	0,0	-1	-0,0%
Provision for impairment of loans to private entrepreneurs	-32 354	231	-32 520	0,0	0,0	-166	0,5%
Loans to individuals	122 843	11 795	114 637	0,1	0,0	-8 206	-6,7%
Standard	121 098	10 875	112 971	0,1	0,0	-8 127	-6,7%
up to 30 days	2 098	2 349	2 495	1,1	0,0	397	18,9%
up to 1 year	705	15	690	0,0	0,0	-15	-2,1%
up to 3 years	10 605	377	10 328	0,0	0,0	-277	-2,6%
more than 3 years	107 690	8 531	99 458	0,1	0,0	-8 232	-7,6%
Past-due	13 224	132	13 233	0,0	0,0	9	0,1%
Past-due	13 224	132	13 233	0,0	0,0	9	0,1%
Provision for impairment of loans to individuals	-11 479	797	-11 567	0,1	0,0	-88	0,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	511 855	376 612	523 327	0,7	0,2	11 472	2,2%
Mandatory reserves with Central Bank	3 172	10	3 162	0,0	0,0	-10	-0,3%
Premises and equipment	301 112	149 206	312 744	0,5	0,1	11 632	3,9%
Purchase cost	372 986	136 800	349 710	0,4	0,1	-23 276	-6,2%
Depreciation	-71 874	35 682	-36 966	0,5	0,0	34 908	-48,6%
Accrued interest not yet received	7 786	10 152	8 398	1,3	0,0	612	7,9%
Other assets	230 964	216 864	230 068	0,9	0,1	-896	-0,4%
Provision for impairment of other assets	-32 016	1 306	-31 876	0,0	0,0	140	-0,4%
Deferred tax asset	837	6	831	0,0	0,0	-6	-0,7%
LIABILITIES	1 467 612	1 844 901	1 436 021	1,3	1,0	-31 591	-2,2%
Dues to banks	-	-	-	-	-	-	-
Other dues to banks	-	-	-	-	-	-	-
On demand	423 927	1 496 520	442 308	3,5	0,8	18 381	4,3%
Corporate clients	338 291	1 351 707	355 640	4,0	0,7	17 349	5,1%
State-owned enterprises	4 974	143	4 831	0,0	0,0	-143	-2,9%
Residents	333 317	1 349 359	350 809	4,0	0,7	17 492	5,2%
Non-residents	-	2 348	-	-	-	-	-
Individuals	85 636	144 813	86 668	1,7	0,1	1 032	1,2%
Residents	83 988	144 639	85 230	1,7	0,1	1 242	1,5%
Non-residents	1 648	384	1 438	0,2	0,0	-210	-12,7%
Term	969 404	94 350	958 912	0,1	0,0	-10 492	-1,1%
Corporate clients	400	-	400	0,0	0,0	-	0,0%
Residents	400	-	400	0,0	0,0	-	0,0%
more than 3 years	400	-	400	0,0	0,0	-	0,0%
Individuals	969 004	94 350	958 512	0,1	0,0	-10 492	-1,1%
residents	968 949	94 350	958 457	0,1	0,0	-10 492	-1,1%
up to 180 days	11 235	5 359	15 461	0,5	0,0	4 226	37,6%
up to 1 year	188 162	24 421	177 952	0,1	0,0	-10 210	-5,4%
up to 3 years	769 552	68 796	765 044	0,1	0,0	-4 508	-0,6%
non-residents	55	-	55	0,0	0,0	-	0,0%
up to 3 years	55	-	55	0,0	0,0	-	0,0%
Other liabilities	74 281	272 412	34 801	3,7	0,1	-39 480	-53,1%
Other liabilities	54 026	265 183	18 194	4,9	0,1	-35 832	-66,3%
Accrued interest not yet paid	4 831	3 581	6 424	0,7	0,0	1 593	33,0%
Deferred tax liabilities	15 424	5 241	10 183	0,3	0,0	-5 241	-34,0%
EQUITY	452 303	3 679 330	471 297	8,1	1,9	18 994	4,2%
Capital	278 523	85 802	363 275	0,3	0,0	84 752	30,4%
Profit from previous years	173 244	2 677 842	181 394	15,5	1,4	8 150	4,7%
Retained earnings from previous years	173 244	2 677 842	181 394	15,5	1,4	8 150	4,7%
Current year profit	536	989 594	-73 372	1 846,3	0,5	-73 908	-13 788,8%
Current year retained earnings	536	989 594	-73 372	1 846,3	0,5	-73 908	-13 788,8%
OFF-BALANCE SHEET	1 269 288	18 402	1 274 629	0,0	0,0	5 341	0,4%
Contingent liabilities	-34 084	15 123	-26 685	0,4	0,0	7 399	-21,7%
Unused credit limits opened	-34 084	15 123	-26 685	0,4	0,0	7 399	-21,7%
Collateral on loans	928 902	2 695	929 412	0,0	0,0	510	0,1%
goods	928 902	2 695	929 412	0,0	0,0	510	0,1%
Unprocessed payments	402 451	3 453	399 985	0,0	0,0	-2 466	-0,6%
Due to lack of funds on client accounts	402 451	3 453	399 985	0,0	0,0	-2 466	-0,6%
Other off-balance sheet accounts	-27 981	107	-28 083	0,0	0,0	-102	0,4%
Written-off interest	-3 298	5	-3 303	0,0	0,0	-5	0,2%
Written-off loans	-24 683	102	-24 780	0,0	0,0	-97	0,4%
Credit card balances	2 098	2 349	2 495	1,1	0,0	397	18,9%
Past due ratio, total	2 235	-	2 250	0,0	0,0	15	0,7%
Past due ratio, individuals	984	-	1 049	0,0	0,0	65	6,6%
Past due ratio, corporates	2 809	-	2 729	0,0	0,0	-80	-2,8%
Past due ratio, entrepreneurs	2 629	-	2 643	0,0	0,0	14	0,5%
Past due ratio, corporates + entrepreneurs	2 735	-	2 695	0,0	0,0	-40	-1,5%
Risk-weighted assets	1 408 189	-	1 341 266	0,0	0,0	-66 923	-4,8%