Kuap. Ru - Balance sheet with turnover of ПК-БАНК (ПРОФЕССИОНАЛЬНЫЙ КРЕДИТНЫЙ БАНК), analysis of turnover of bank's accounts

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	PC-BANK (PROFESSIONAL CREDIT BANK)	add to comparison
Central Bank of Russia registration number: 2652

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.	01.11.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 158 568	21 205 411	777 494	18,3	27,3	-381 074	-32,9%
High liquid assets	490 391	9 900 810	274 527	20,2	12,7	-215 864	-44,0%
Cash and equivalents	277 162	6 346 711	222 544	22,9	8,2	-54 618	-19,7%
Cash	194 468	596 347	136 422	3,1	0,8	-58 046	-29,8%
in cash and en route	163 223	567 205	110 073	3,5	0,7	-53 150	-32,6%
in ATMs	31 245	29 142	26 349	0,9	0,0	-4 896	-15,7%
Nostro account with Central Bank	82 694	5 753 792	86 122	69,6	7,4	3 428	4,1%
Nostro accounts	197 340	1 361 374	45 958	6,9	1,8	-151 382	-76,7%
Residents	197 340	1 361 374	45 958	6,9	1,8	-151 382	-76,7%
Money in transfer	15 891	1 051 043	6 385	66,1	1,4	-9 506	-59,8%
Exchange accounts	-	1 141 322	-	-	-	-	-
Provision for impairment of high-liquid assets	-2	360	-360	180,0	0,0	-358	17 900,0%
Interest-earning assets	395 090	898 816	323 229	2,3	1,2	-71 861	-18,2%
Dues from banks	434	734 546	493	1 692,5	0,9	59	13,6%
Central Bank of Russia	-	-	-	-	-	-	-
Residents	434	734 546	493	1 692,5	0,9	59	13,6%
up to 30 days	434	734 546	493	1 692,5	0,9	59	13,6%
Securities	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
Banks	-	-	-	-	-	-	-
Loans to corporate clients	255 568	153 226	181 886	0,6	0,2	-73 682	-28,8%
residents	316 948	119 033	232 772	0,4	0,2	-84 176	-26,6%
up to 30 days	9 306	18 660	7 535	2,0	0,0	-1 771	-19,0%
up to 180 days	26 853	4 348	22 505	0,2	0,0	-4 348	-16,2%
up to 1 year	246 990	92 645	167 966	0,4	0,1	-79 024	-32,0%
up to 3 years	33 799	4 347	34 766	0,1	0,0	967	2,9%
Past-due	2 703	6	2 698	0,0	0,0	-5	-0,2%
residents	2 703	6	2 698	0,0	0,0	-5	-0,2%
Provision for impairment of corporate loans	-64 083	44 738	-53 584	0,7	0,1	10 499	-16,4%
residents	-64 083	44 738	-53 584	0,7	0,1	10 499	-16,4%
Loans to private entrepreneurs	14 338	2 399	15 000	0,2	0,0	662	4,6%
up to 1 year	8 935	1 503	10 438	0,2	0,0	1 503	16,8%
up to 3 years	6 315	1 503	4 812	0,2	0,0	-1 503	-23,8%
Provision for impairment of loans to private entrepreneurs	-912	896	-250	1,0	0,0	662	-72,6%
Loans to individuals	124 750	10 414	125 850	0,1	0,0	1 100	0,9%
Standard	128 660	9 761	129 374	0,1	0,0	714	0,6%
up to 30 days	163	825	365	5,1	0,0	202	123,9%
up to 1 year	572	350	333	0,6	0,0	-239	-41,8%
up to 3 years	113 528	8 825	115 890	0,1	0,0	2 362	2,1%
more than 3 years	14 397	1 611	12 786	0,1	0,0	-1 611	-11,2%
Past-due	864	95	794	0,1	0,0	-70	-8,1%
Past-due	864	95	794	0,1	0,0	-70	-8,1%
Provision for impairment of loans to individuals	-4 774	628	-4 318	0,1	0,0	456	-9,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	273 087	10 405 785	179 738	38,1	13,4	-93 349	-34,2%
Mandatory reserves with Central Bank	19 894	2 534	22 103	0,1	0,0	2 209	11,1%
Premises and equipment	133 596	4 247	132 541	0,0	0,0	-1 055	-0,8%
Purchase cost	210 481	3 217	210 390	0,0	0,0	-91	-0,0%
Depreciation	-76 885	1 030	-77 849	0,0	0,0	-964	1,3%
Accrued interest not yet received	727	5 942	976	8,2	0,0	249	34,3%
Other assets	112 358	10 392 853	12 456	92,5	13,4	-99 902	-88,9%
Provision for impairment of other assets	-8 954	6 927	-3 263	0,8	0,0	5 691	-63,6%
Deferred tax asset	15 466	1 431	14 925	0,1	0,0	-541	-3,5%
LIABILITIES	811 102	13 681 982	415 674	16,9	17,6	-395 428	-48,8%
Dues to banks	81 869	133 277	40 000	1,6	0,2	-41 869	-51,1%
On demand	1 869	1 869	-	1,0	0,0	-1 869	-100,0%
Residents	1 869	1 869	-	1,0	0,0	-1 869	-100,0%
Term	80 000	81 467	40 000	1,0	0,1	-40 000	-50,0%
Residents	80 000	81 467	40 000	1,0	0,1	-40 000	-50,0%
up to 30 days	80 000	81 467	40 000	1,0	0,1	-40 000	-50,0%
Other dues to banks	-	49 941	-	-	-	-	-
On demand	339 214	5 369 316	110 432	15,8	6,9	-228 782	-67,4%
Corporate clients	284 490	5 258 717	67 458	18,5	6,8	-217 032	-76,3%
State-owned enterprises	2	2	-	1,0	0,0	-2	-100,0%
Residents	284 309	5 258 344	67 449	18,5	6,8	-216 860	-76,3%
Non-residents	179	371	9	2,1	0,0	-170	-95,0%
Individuals	54 724	110 599	42 974	2,0	0,1	-11 750	-21,5%
Residents	54 638	110 575	42 886	2,0	0,1	-11 752	-21,5%
Non-residents	86	26	88	0,3	0,0	2	2,3%
Term	369 643	299 217	246 090	0,8	0,4	-123 553	-33,4%
Corporate clients	114 828	247 871	-	2,2	0,3	-114 828	-100,0%
Residents	114 828	247 871	-	2,2	0,3	-114 828	-100,0%
up to 30 days	-	129 510	-	-	-	-	-
up to 180 days	114 828	118 361	-	1,0	0,2	-114 828	-100,0%
Individuals	254 815	51 346	246 090	0,2	0,1	-8 725	-3,4%
residents	254 185	50 913	245 890	0,2	0,1	-8 295	-3,3%
up to 30 days	452	881	46	1,9	0,0	-406	-89,8%
up to 180 days	12 767	5 850	10 105	0,5	0,0	-2 662	-20,9%
up to 1 year	214 490	35 318	194 364	0,2	0,0	-20 126	-9,4%
up to 3 years	26 476	23 763	41 375	0,9	0,0	14 899	56,3%
non-residents	630	433	200	0,7	0,0	-430	-68,3%
up to 1 year	630	433	200	0,7	0,0	-430	-68,3%
up to 3 years	-	-	-	-	-	-	-
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-	-
Other liabilities	20 376	7 880 172	19 152	386,7	10,1	-1 224	-6,0%
Other liabilities	19 663	7 877 817	18 541	400,6	10,1	-1 122	-5,7%
Accrued interest not yet paid	713	2 355	611	3,3	0,0	-102	-14,3%
EQUITY	347 466	151 603	361 820	0,4	0,2	14 354	4,1%
Capital	279 208	-	279 208	0,0	0,0	-	0,0%
Profit from previous years	82 026	-	82 026	0,0	0,0	-	0,0%
Retained earnings from previous years	82 026	-	82 026	0,0	0,0	-	0,0%
Current year profit	-12 735	151 578	1 640	11,9	0,2	14 375	-112,9%
Current year retained earnings	-12 735	151 578	1 640	11,9	0,2	14 375	-112,9%
Future expenses	-1 033	46	-1 054	0,0	0,0	-21	2,0%
OFF-BALANCE SHEET	1 240 580	260 262	1 104 259	0,2	0,3	-136 321	-11,0%
Unused credit limits available	416 000	-	416 000	0,0	0,0	-	0,0%
Contingent liabilities	-56 582	60 597	-49 522	1,1	0,1	7 060	-12,5%
Unused credit limits opened	-56 582	60 597	-49 522	1,1	0,1	7 060	-12,5%
Collateral on loans	541 001	195 054	389 267	0,4	0,3	-151 734	-28,0%
goods	541 001	195 054	389 267	0,4	0,3	-151 734	-28,0%
Unprocessed payments	381 116	4 576	385 405	0,0	0,0	4 289	1,1%
Due to lack of funds on client accounts	381 116	4 576	385 405	0,0	0,0	4 289	1,1%
Other off-balance sheet accounts	-40 955	4 031	-36 891	0,1	0,0	4 064	-9,9%
Accrued interest not yet received	8 067	35	8 101	0,0	0,0	34	0,4%
Written-off interest	-20 942	211	-20 731	0,0	0,0	211	-1,0%
Written-off loans	-28 080	3 819	-24 261	0,1	0,0	3 819	-13,6%
Credit card balances	163	825	365	5,1	0,0	202	123,9%
Past due ratio, total	77	-	92	0,0	0,0	15	19,5%
Past due ratio, individuals	67	-	61	0,0	0,0	-6	-9,0%
Past due ratio, corporates	85	-	115	0,0	0,0	30	35,3%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	81	-	108	0,0	0,0	27	33,3%
Risk-weighted assets	1 240 255	-	1 025 188	0,0	0,0	-215 067	-17,3%