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

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	EUROCAPITAL-ALLIANCE	add to comparison
Central Bank of Russia registration number: 2672 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.


Balance sheet position, thous. rub.	01.12.2018	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 495 450	5 226 175	2 359 943	2,1	2,2	-135 507	-5,4%
High liquid assets	104 144	2 901 430	203 101	27,9	1,2	98 957	95,0%
Cash and equivalents	95 358	2 898 133	203 075	30,4	1,2	107 717	113,0%
Cash	48 368	155 618	12 029	3,2	0,1	-36 339	-75,1%
in cash and en route	48 368	155 618	12 029	3,2	0,1	-36 339	-75,1%
Nostro account with Central Bank	46 990	2 778 854	191 046	59,1	1,2	144 056	306,6%
Nostro accounts	8 766	11 877	6	1,4	0,0	-8 760	-99,9%
Residents	8 766	11 877	6	1,4	0,0	-8 760	-99,9%
Money in transfer	20	180	20	9,0	0,0	-	0,0%
Interest-earning assets	2 093 803	2 192 572	1 922 012	1,0	0,9	-171 791	-8,2%
Dues from banks	150 000	2 080 000	-	13,9	0,9	-150 000	-100,0%
Central Bank of Russia	150 000	2 080 000	-	13,9	0,9	-150 000	-100,0%
Loans to corporate clients	1 203 272	89 489	1 207 294	0,1	0,0	4 022	0,3%
residents	1 284 735	80 690	1 282 035	0,1	0,0	-2 700	-0,2%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	10 900	18 200	29 100	1,7	0,0	18 200	167,0%
up to 1 year	1 253 835	79 690	1 233 935	0,1	0,0	-19 900	-1,6%
up to 3 years	20 000	1 000	19 000	0,1	0,0	-1 000	-5,0%
Past-due	114 651	61	114 651	0,0	0,0	-	0,0%
residents	114 651	61	114 651	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-196 114	11 438	-189 392	0,1	0,0	6 722	-3,4%
residents	-196 114	11 438	-189 392	0,1	0,0	6 722	-3,4%
Loans to private entrepreneurs	605 985	2 000	605 005	0,0	0,0	-980	-0,2%
up to 1 year	8 000	-	8 000	0,0	0,0	-	0,0%
up to 3 years	2 000	2 000	-	1,0	0,0	-2 000	-100,0%
more than 3 years	661 500	-	661 500	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-65 515	1 020	-64 495	0,0	0,0	1 020	-1,6%
Loans to individuals	134 546	25 105	109 713	0,2	0,0	-24 833	-18,5%
Standard	146 475	25 089	121 386	0,2	0,0	-25 089	-17,1%
up to 1 year	200	40	160	0,2	0,0	-40	-20,0%
up to 3 years	111 165	25 049	86 116	0,2	0,0	-25 049	-22,5%
more than 3 years	35 110	-	35 110	0,0	0,0	-	0,0%
Memo: mortgage loans	69 810	-	44 810	0,0	0,0	-25 000	-35,8%
Past-due	883	16	883	0,0	0,0	-	0,0%
Past-due	883	16	883	0,0	0,0	-	0,0%
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-12 812	256	-12 556	0,0	0,0	256	-2,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	297 503	231 130	234 830	0,8	0,1	-62 673	-21,1%
Mandatory reserves with Central Bank	2 969	41	2 930	0,0	0,0	-39	-1,3%
Premises and equipment	609 051	150 219	459 841	0,2	0,1	-149 210	-24,5%
Purchase cost	629 742	148 661	482 087	0,2	0,1	-147 655	-23,4%
Depreciation	-20 691	1 558	-22 246	0,1	0,0	-1 555	7,5%
Accrued interest not yet received	683	19 177	779	28,1	0,0	96	14,1%
Other assets	15 623	48 270	36 603	3,1	0,0	20 980	134,3%
Provision for impairment of other assets	-330 823	99 999	-265 323	0,3	0,0	65 500	-19,8%
LIABILITIES	439 455	1 038 086	321 326	2,4	0,4	-118 129	-26,9%
On demand	258 180	895 830	157 374	3,5	0,4	-100 806	-39,0%
Corporate clients	244 366	815 522	157 366	3,3	0,3	-87 000	-35,6%
Residents	244 366	812 836	157 366	3,3	0,3	-87 000	-35,6%
Non-residents	-	2 686	-	-	-	-	-
Individuals	13 814	80 308	8	5,8	0,0	-13 806	-99,9%
Residents	13 814	80 308	8	5,8	0,0	-13 806	-99,9%
Term	119 949	19 949	100 000	0,2	0,0	-19 949	-16,6%
Corporate clients	119 949	19 949	100 000	0,2	0,0	-19 949	-16,6%
Residents	119 949	19 949	100 000	0,2	0,0	-19 949	-16,6%
up to 180 days	19 949	19 949	-	1,0	0,0	-19 949	-100,0%
up to 3 years	100 000	-	100 000	0,0	0,0	-	0,0%
Other liabilities	61 326	124 933	63 952	2,0	0,1	2 626	4,3%
Other liabilities	8 313	124 279	10 567	14,9	0,1	2 254	27,1%
Accrued interest not yet paid	2 998	654	3 370	0,2	0,0	372	12,4%
Deferred tax liabilities	50 015	-	50 015	0,0	0,0	-	0,0%
EQUITY	2 055 995	238 406	2 038 617	0,1	0,1	-17 378	-0,8%
Capital	1 879 627	148 059	1 731 568	0,1	0,1	-148 059	-7,9%
Profit from previous years	211 007	-	211 007	0,0	0,0	-	0,0%
Retained earnings from previous years	211 007	-	211 007	0,0	0,0	-	0,0%
Current year profit	-34 013	220 924	96 676	6,5	0,1	130 689	-384,2%
Current year retained earnings	-34 013	220 924	96 676	6,5	0,1	130 689	-384,2%
Future expenses	-626	112	-634	0,2	0,0	-8	1,3%
OFF-BALANCE SHEET	-8 019 484	1 637 603	-7 547 718	0,2	0,7	471 766	-5,9%
Contingent liabilities	-9 500 446	1 584 223	-8 980 456	0,2	0,7	519 990	-5,5%
Guarantees issued	-9 467 570	1 550 433	-8 972 550	0,2	0,7	495 020	-5,2%
Unused credit limits opened	-32 876	33 790	-7 906	1,0	0,0	24 970	-76,0%
Collateral on loans	1 249 191	50 000	1 199 191	0,0	0,0	-50 000	-4,0%
goods	1 249 191	50 000	1 199 191	0,0	0,0	-50 000	-4,0%
Unprocessed payments	256 327	1 387	257 668	0,0	0,0	1 341	0,5%
Due to lack of funds on client accounts	256 327	1 387	257 668	0,0	0,0	1 341	0,5%
Other off-balance sheet accounts	-24 556	1 993	-24 121	0,1	0,0	435	-1,8%
Accrued interest not yet received	6 393	1 992	6 829	0,3	0,0	436	6,8%
Written-off interest	-2 229	-	-2 229	0,0	0,0	-	0,0%
Written-off loans	-28 720	1	-28 721	0,0	0,0	-1	0,0%
Past due ratio, total	521	-	528	0,0	0,0	7	1,3%
Past due ratio, individuals	60	-	72	0,0	0,0	12	20,0%
Past due ratio, corporates	819	-	821	0,0	0,0	2	0,2%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	554	-	555	0,0	0,0	1	0,2%
Risk-weighted assets	12 811 523	-	12 196 019	0,0	0,0	-615 504	-4,8%