Kuap. Ru - Balance sheet with turnover of РУССКИЙ ИПОТЕЧНЫЙ БАНК, analysis of turnover of bank's accounts

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	RUSSKIY IPOTECHNIY BANK	add to comparison
Central Bank of Russia registration number: 1968 complies with 214-FZ (equity construction)

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	77 856 706	87 644 086	80 705 080	80 145 259	2 288 553	2,9%
High liquid assets	41 001 004	47 124 118	32 028 541	37 387 712	-3 613 292	-8,8%
Cash and equivalents	27 108 681	31 985 436	24 121 349	30 995 755	3 887 074	14,3%
Cash	1 821 304	1 367 984	1 599 299	2 035 056	213 752	11,7%
in cash and en route	1 805 939	1 353 315	1 585 491	2 018 329	212 390	11,8%
in ATMs	15 365	14 669	13 808	16 727	1 362	8,9%
Nostro account with Central Bank	25 287 377	30 617 452	22 522 050	28 960 699	3 673 322	14,5%
Nostro accounts	1 922 157	2 114 458	1 138 085	1 383 696	-538 461	-28,0%
Non-residents	1 577 339	1 721 888	852 726	1 126 830	-450 509	-28,6%
Residents	344 818	392 570	285 359	256 866	-87 952	-25,5%
Money in transfer	8 138 886	9 897 078	5 009 461	2 322 127	-5 816 759	-71,5%
Exchange accounts	3 830 729	3 127 139	1 759 646	2 686 134	-1 144 595	-29,9%
Provision for impairment of high-liquid assets	551	7	-	-	-551	-100,0%
Interest-earning assets	15 770 777	18 539 969	15 984 781	24 243 808	8 473 031	53,7%
Dues from banks	13 448 433	17 267 367	14 135 190	22 361 004	8 912 571	66,3%
Central Bank of Russia	12 645 850	16 750 000	13 200 000	21 000 000	8 354 150	66,1%
Residents	799 999	499 999	911 134	1 355 754	555 755	69,5%
up to 30 days	799 999	499 999	911 134	1 355 754	555 755	69,5%
Non-residents	2 584	17 368	24 056	5 250	2 666	103,2%
more than 180 days	2 584	17 368	24 056	5 250	2 666	103,2%
Securities	946 945	963 064	149 824	80 777	-866 168	-91,5%
Bonds	231 698	9 414	3 748	5 297	-226 401	-97,7%
Corporate bonds	177 631	7 937	2 509	2 596	-175 035	-98,5%
Valuation allowance	54 067	1 477	1 239	2 701	-51 366	-95,0%
Promissory notes	171 702	301 493	11 077	14 558	-157 144	-91,5%
Banks	171 702	301 493	11 077	14 558	-157 144	-91,5%
Stocks	543 545	652 157	134 999	60 922	-482 623	-88,8%
Residents	-	-	-	-	-	-
Non-residents	20 576	461 795	21 865	2 048	-18 528	-90,0%
Valuation allowance	106 142	140 576	113 134	58 874	-47 268	-44,5%
Pledged under REPO	416 827	49 786	-	-	-416 827	-100,0%
Loans to corporate clients	673 150	177 321	887 894	1 415 214	742 064	110,2%
residents	624 431	164 130	764 950	1 190 906	566 475	90,7%
up to 180 days	-	-	15 000	-	-	-
up to 1 year	622 931	155 630	722 200	828 713	205 782	33,0%
up to 3 years	1 500	4 500	27 750	362 193	360 693	24 046,2%
more than 3 years	-	-	-	-	-	-
Past-due	5 159	1 229	80 630	62 227	57 068	1 106,2%
residents	5 159	1 229	80 630	62 227	57 068	1 106,2%
Provision for impairment of corporate loans	43 560	11 962	42 314	162 081	118 521	272,1%
residents	43 560	11 962	42 314	162 081	118 521	272,1%
Loans to private entrepreneurs	34 048	120 582	83 488	217	-33 831	-99,4%
up to 1 year	20 000	-	10 000	-	-20 000	-100,0%
up to 3 years	14 000	-	-	-	-14 000	-100,0%
more than 3 years	-	120 000	-	-	-	-
Past-due	-	-	546	-	-	-
Provision for impairment of loans to private entrepreneurs	48	582	72 942	217	169	352,1%
Loans to individuals	668 201	11 635	728 385	386 596	-281 605	-42,1%
Standard	636 154	7 873	491 533	39 429	-596 725	-93,8%
up to 30 days	2 686	2 483	2 249	2 750	64	2,4%
up to 180 days	1 100	300	8 858	-	-1 100	-100,0%
up to 1 year	-	200	300	27 751	27 751	-
up to 3 years	217 323	250	480 000	-	-217 323	-100,0%
more than 3 years	415 045	4 640	126	8 928	-406 117	-97,8%
Past-due	613	1 418	171 753	291 937	291 324	47 524,3%
Past-due	613	1 418	171 753	291 937	291 324	47 524,3%
Provision for impairment of loans to individuals	31 434	2 344	65 099	55 230	23 796	75,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	21 084 925	21 979 999	32 691 758	18 513 739	-2 571 186	-12,2%
Mandatory reserves with Central Bank	2 209	2 885	7 719	622	-1 587	-71,8%
Premises and equipment	155 518	561 533	812 656	889 229	733 711	471,8%
Purchase cost	155 518	561 533	812 656	889 229	733 711	471,8%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	82 886	87 222	87 070	81 716	-1 170	-1,4%
Other assets	20 786 614	21 316 004	31 705 986	17 342 734	-3 443 880	-16,6%
Provision for impairment of other assets	57 698	11 520	78 327	199 438	141 740	245,7%
Deferred tax asset	-	835	-	-	-	-
LIABILITIES	44 420 200	43 901 857	48 275 253	34 842 880	-9 577 320	-21,6%
Dues to banks	1 322 599	1 053 145	16 760	518 941	-803 658	-60,8%
On demand	19 640	14 600	16 760	18 942	-698	-3,6%
Residents	19 640	14 600	16 760	18 942	-698	-3,6%
Term	1 302 959	1 038 545	-	499 999	-802 960	-61,6%
Residents	1 302 959	1 038 545	-	499 999	-802 960	-61,6%
up to 30 days	1 302 959	800 610	-	-	-1 302 959	-100,0%
up to 180 days	-	237 935	-	499 999	499 999	-
On demand	17 212 339	15 641 809	13 172 553	14 306 773	-2 905 566	-16,9%
Corporate clients	13 162 175	10 506 449	9 306 732	10 550 740	-2 611 435	-19,8%
Residents	13 149 111	10 475 161	9 254 507	10 370 851	-2 778 260	-21,1%
Non-residents	13 064	31 288	52 225	179 889	166 825	1 277,0%
Individuals	4 050 164	5 119 567	3 865 821	3 756 033	-294 131	-7,3%
Residents	4 046 214	5 109 718	3 848 916	3 752 236	-293 978	-7,3%
Non-residents	3 950	9 849	16 905	3 797	-153	-3,9%
Brokerage accounts	-	15 793	-	-	-	-
Non-residents	-	15 793	-	-	-	-
Term	2 152 071	3 312 954	1 358 156	1 050 999	-1 101 072	-51,2%
Corporate clients	1 014 805	1 372 341	604 628	526 951	-487 854	-48,1%
Residents	1 014 805	1 372 341	604 628	526 951	-487 854	-48,1%
up to 30 days	617 790	238 590	183 700	178 750	-439 040	-71,1%
up to 180 days	31 000	175 000	12 125	221 345	190 345	614,0%
up to 1 year	15 432	7 688	11 024	7 003	-8 429	-54,6%
up to 3 years	63 683	254 949	81 279	57 808	-5 875	-9,2%
more than 3 years	286 900	696 114	316 500	62 045	-224 855	-78,4%
Non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	1 137 266	1 940 613	753 528	524 048	-613 218	-53,9%
residents	1 133 851	1 936 450	752 112	518 593	-615 258	-54,3%
up to 30 days	3	3	9	6	3	100,0%
up to 180 days	15 833	6 541	23 271	20 701	4 868	30,7%
up to 1 year	22 248	7 436	13 569	26 824	4 576	20,6%
up to 3 years	1 069 548	1 915 018	711 247	468 064	-601 484	-56,2%
more than 3 years	26 219	7 452	4 016	2 998	-23 221	-88,6%
non-residents	3 415	4 163	1 416	5 455	2 040	59,7%
up to 180 days	30	1 340	30	-	-30	-100,0%
up to 1 year	605	-	-	-	-605	-100,0%
up to 3 years	2 780	2 823	1 386	5 455	2 675	96,2%
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Other liabilities	23 733 191	23 893 949	33 727 784	18 966 167	-4 767 024	-20,1%
Other liabilities	23 675 743	23 838 192	33 678 600	18 911 306	-4 764 437	-20,1%
Accrued interest not yet paid	57 448	55 757	49 184	54 861	-2 587	-4,5%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	884 068	996 143	908 956	1 192 135	308 067	34,8%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	866 976	975 062	891 787	1 168 633	301 657	34,8%
Current year retained earnings	866 976	975 062	891 787	1 168 633	301 657	34,8%
Future expenses	17 092	21 081	17 169	23 502	6 410	37,5%
OFF-BALANCE SHEET	563 813	899 822	532 724	1 942 812	1 378 999	244,6%
Contingent liabilities	444 546	335 074	278 856	465 298	20 752	4,7%
Guarantees issued	215 635	188 594	109 807	242 473	26 838	12,4%
Unused credit limits opened	219 006	102 851	169 049	222 825	3 819	1,7%
Unused guarantee limits	9 905	43 629	-	-	-9 905	-100,0%
Collateral on loans	80 587	385 163	214 162	1 375 875	1 295 288	1 607,3%
goods	80 149	384 433	213 115	1 368 082	1 287 933	1 606,9%
securities	438	730	1 047	7 793	7 355	1 679,2%
Unprocessed payments	26 830	167 482	29 417	9 768	-17 062	-63,6%
Due to lack of funds on client accounts	26 830	167 482	29 417	9 768	-17 062	-63,6%
Other off-balance sheet accounts	11 850	12 103	10 289	91 871	80 021	675,3%
Accrued interest not yet received	11 850	12 103	10 289	91 871	80 021	675,3%
Written-off interest	-	-	-	-	-	-
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	2 686	2 483	2 249	2 750	64	2,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-