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

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	ONLINE BANK	add to comparison
Central Bank of Russia registration number: 2462

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.	01.07.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	441 675	25 794 247	474 003	58,4	54,4	32 328	7,3%
High liquid assets	136 124	21 558 169	94 255	158,4	45,5	-41 869	-30,8%
Cash and equivalents	47 557	6 234 888	55 771	131,1	13,2	8 214	17,3%
Cash	3 227	166 913	3 741	51,7	0,4	514	15,9%
in cash and en route	3 227	166 913	3 741	51,7	0,4	514	15,9%
Nostro account with Central Bank	44 330	6 067 975	52 030	136,9	12,8	7 700	17,4%
Nostro accounts	88 126	10 594 291	35 736	120,2	22,4	-52 390	-59,4%
Non-residents	87 413	95 391	146	1,1	0,2	-87 267	-99,8%
Residents	713	10 533 777	35 590	14 773,9	22,2	34 877	4 891,6%
Money in transfer	441	2 390 164	2 248	5 419,9	5,0	1 807	409,8%
Exchange accounts	-	2 349 347	500	-	-	500	-
Interest-earning assets	183 257	753 849	347 069	4,1	1,6	163 812	89,4%
Dues from banks	-	530 004	-	-	-	-	-
Residents	-	530 004	-	-	-	-	-
up to 30 days	-	280 004	-	-	-	-	-
up to 180 days	-	250 000	-	-	-	-	-
Loans to corporate clients	182 354	223 200	346 154	1,2	0,5	163 800	89,8%
residents	197 103	220 000	397 103	1,1	0,5	200 000	101,5%
up to 30 days	3	-	3	0,0	0,0	-	0,0%
up to 1 year	175 000	220 000	375 000	1,3	0,5	200 000	114,3%
up to 3 years	22 100	-	22 100	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-14 749	39 400	-50 949	2,7	0,1	-36 200	245,4%
residents	-14 749	39 400	-50 949	2,7	0,1	-36 200	245,4%
Loans to individuals	903	645	915	0,7	0,0	12	1,3%
Standard	2 034	417	1 917	0,2	0,0	-117	-5,8%
up to 180 days	300	300	-	1,0	0,0	-300	-100,0%
up to 1 year	-	300	300	-	-	300	-
up to 3 years	1 258	112	1 146	0,1	0,0	-112	-8,9%
more than 3 years	476	5	471	0,0	0,0	-5	-1,1%
Past-due	2 741	238	2 940	0,1	0,0	199	7,3%
Past-due	2 741	238	2 940	0,1	0,0	199	7,3%
Provision for impairment of loans to individuals	-3 872	177	-3 942	0,0	0,0	-70	1,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	122 294	3 613 713	32 679	29,5	7,6	-89 615	-73,3%
Mandatory reserves with Central Bank	1 484	399	1 085	0,3	0,0	-399	-26,9%
Premises and equipment	92 277	193 515	17 867	2,1	0,4	-74 410	-80,6%
Purchase cost	95 222	193 314	20 135	2,0	0,4	-75 087	-78,9%
Depreciation	-2 945	878	-2 268	0,3	0,0	677	-23,0%
Accrued interest not yet received	-	5 710	-	-	-	-	-
Non-current assets	2 496	-	2 496	0,0	0,0	-	0,0%
Other assets	38 700	3 414 089	12 616	88,2	7,2	-26 084	-67,4%
Provision for impairment of other assets	-12 663	11 278	-1 385	0,9	0,0	11 278	-89,1%
LIABILITIES	221 651	39 258 663	254 302	177,1	82,8	32 651	14,7%
Dues to banks	187 650	1 798 454	235 021	9,6	3,8	47 371	25,2%
On demand	-	1 225 735	21	-	-	21	-
Residents	-	1 225 735	21	-	-	21	-
Term	187 650	359 002	235 000	1,9	0,8	47 350	25,2%
Residents	187 650	359 002	235 000	1,9	0,8	47 350	25,2%
up to 30 days	-	81 734	-	-	-	-	-
up to 180 days	110 534	270 000	235 000	2,4	0,6	124 466	112,6%
more than 180 days	77 116	84 384	-	1,1	0,2	-77 116	-100,0%
Other dues to banks	-	213 717	-	-	-	-	-
On demand	26 615	30 508 400	13 045	1 146,3	64,4	-13 570	-51,0%
Corporate clients	26 238	30 508 385	12 681	1 162,8	64,4	-13 557	-51,7%
State-owned enterprises	629	101	596	0,2	0,0	-33	-5,2%
Residents	25 603	21 447 252	10 235	837,7	45,2	-15 368	-60,0%
Non-residents	6	9 062 876	1 850	1 510 479,3	19,1	1 844	30 733,3%
Individuals	350	2	351	0,0	0,0	1	0,3%
Residents	315	2	316	0,0	0,0	1	0,3%
Non-residents	35	-	35	0,0	0,0	-	0,0%
Brokerage accounts	27	14	13	0,5	0,0	-14	-51,9%
Residents	27	14	13	0,5	0,0	-14	-51,9%
Securities issued	-	3 494 232	-	-	-	-	-
Promissory notes	-	3 494 232	-	-	-	-	-
up to 30 days	-	2 899 730	-	-	-	-	-
up to 180 days	-	585 000	-	-	-	-	-
Discount accrued	-	9 502	-	-	-	-	-
Other liabilities	7 386	3 472 297	6 236	470,1	7,3	-1 150	-15,6%
Other liabilities	7 112	3 471 228	5 761	488,1	7,3	-1 351	-19,0%
Accrued interest not yet paid	263	1 270	464	4,8	0,0	201	76,4%
Deferred tax liabilities	11	-	11	0,0	0,0	-	0,0%
EQUITY	220 024	80 786	219 701	0,4	0,2	-323	-0,1%
Capital	217 388	-	217 388	0,0	0,0	-	0,0%
Profit from previous years	3 086	-	3 086	0,0	0,0	-	0,0%
Retained earnings from previous years	3 086	-	3 086	0,0	0,0	-	0,0%
Current year profit	913	80 786	538	88,5	0,2	-375	-41,1%
Current year retained earnings	913	80 786	538	88,5	0,2	-375	-41,1%
Future expenses	-1 363	52	-1 311	0,0	0,0	52	-3,8%
OFF-BALANCE SHEET	38 120	120 363	38 464	3,2	0,3	344	0,9%
Contingent liabilities	-	120 000	-	-	-	-	-
Unused credit limits opened	-	120 000	-	-	-	-	-
Collateral on loans	4 744	279	4 923	0,1	0,0	179	3,8%
goods	4 744	279	4 923	0,1	0,0	179	3,8%
Unprocessed payments	31 464	11	31 456	0,0	0,0	-8	-0,0%
Due to lack of funds on client accounts	31 464	11	31 456	0,0	0,0	-8	-0,0%
Other off-balance sheet accounts	1 912	246	2 085	0,1	0,0	173	9,0%
Accrued interest not yet received	2 456	246	2 629	0,1	0,0	173	7,0%
Written-off interest	-51	-	-51	0,0	0,0	-	0,0%
Written-off loans	-493	-	-493	0,0	0,0	-	0,0%
Past due ratio, total	136	-	73	0,0	0,0	-63	-46,3%
Past due ratio, individuals	5 740	-	6 053	0,0	0,0	313	5,5%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	472 865	-	478 860	0,0	0,0	5 995	1,3%