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

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	BINBANK DIGITAL	add to comparison
Central Bank of Russia registration number: 2827 retail lending, under resolution, CB RF representative

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	17 750 680	200 953 017	18 634 339	11,3	10,8	883 659	5,0%
High liquid assets	3 480 523	92 261 390	4 094 168	26,5	5,0	613 645	17,6%
Cash and equivalents	616 960	5 567 800	506 805	9,0	0,3	-110 155	-17,9%
Nostro account with Central Bank	616 960	5 567 800	506 805	9,0	0,3	-110 155	-17,9%
Nostro accounts	2 730 102	73 768 324	3 579 020	27,0	4,0	848 918	31,1%
Non-residents	37 973	3 067 490	38 606	80,8	0,2	633	1,7%
Residents	2 692 129	70 700 834	3 540 414	26,3	3,8	848 285	31,5%
Money in transfer	198 911	13 048 850	10 704	65,6	0,7	-188 207	-94,6%
Provision for impairment of high-liquid assets	-65 450	174 778	-2 361	2,7	0,0	63 089	-96,4%
Interest-earning assets	13 284 893	68 671 369	13 407 115	5,2	3,7	122 222	0,9%
Dues from banks	4 347 169	65 798 667	4 671 830	15,1	3,5	324 661	7,5%
Residents	3 000 000	63 000 000	3 000 000	21,0	3,4	-	0,0%
up to 30 days	3 000 000	63 000 000	3 000 000	21,0	3,4	-	0,0%
Non-residents	1 347 169	2 798 667	1 671 830	2,1	0,2	324 661	24,1%
up to 30 days	1 347 169	2 798 667	1 671 830	2,1	0,2	324 661	24,1%
Securities	260 585	6 127	254 458	0,0	0,0	-6 127	-2,4%
Stocks	260 585	6 127	254 458	0,0	0,0	-6 127	-2,4%
Valuation allowance	260 585	6 127	254 458	0,0	0,0	-6 127	-2,4%
Loans to corporate clients	-	71 815	70 335	-	-	70 335	-
non-residents	-	71 815	70 335	-	-	70 335	-
up to 30 days	-	71 815	70 335	-	-	70 335	-
Loans to individuals	8 677 139	3 067 534	8 410 492	0,4	0,2	-266 647	-3,1%
Standard	9 704 181	2 522 937	9 363 206	0,3	0,1	-340 975	-3,5%
up to 30 days	9 700 406	2 522 688	9 359 680	0,3	0,1	-340 726	-3,5%
up to 3 years	14	5	9	0,4	0,0	-5	-35,7%
more than 3 years	3 761	244	3 517	0,1	0,0	-244	-6,5%
Memo: mortgage loans	8 851	-	8 608	0,0	0,0	-243	-2,7%
Past-due	5 661 863	194 224	5 716 435	0,0	0,0	54 572	1,0%
Past-due	5 661 863	194 224	5 716 435	0,0	0,0	54 572	1,0%
Memo: mortgage loans past-due	5 090	-	5 090	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-6 688 905	424 701	-6 669 149	0,1	0,0	19 756	-0,3%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	985 264	40 020 258	1 133 056	40,6	2,1	147 792	15,0%
Mandatory reserves with Central Bank	136 060	2 694	133 708	0,0	0,0	-2 352	-1,7%
Premises and equipment	226 620	391 976	392 661	1,7	0,0	166 041	73,3%
Purchase cost	1 227 065	326 756	1 335 743	0,3	0,0	108 678	8,9%
Depreciation	-1 000 445	65 220	-943 082	0,1	0,0	57 363	-5,7%
Accrued interest not yet received	200 249	205 260	200 487	1,0	0,0	238	0,1%
Other assets	934 328	39 345 718	885 025	42,1	2,1	-49 303	-5,3%
Investments in subsidiaries	43 594	43 594	-	1,0	0,0	-43 594	-100,0%
Provision for impairment of other assets	-764 787	126 265	-688 025	0,2	0,0	76 762	-10,0%
Deferred tax asset	209 200	-	209 200	0,0	0,0	-	0,0%
LIABILITIES	12 947 392	75 270 375	13 716 590	5,8	4,0	769 198	5,9%
On demand	11 790 237	19 998 151	12 065 154	1,7	1,1	274 917	2,3%
Corporate clients	48 796	73 183	48 846	1,5	0,0	50	0,1%
State-owned enterprises	1	-	1	0,0	0,0	-	0,0%
Residents	43 260	73 020	44 580	1,7	0,0	1 320	3,1%
Non-residents	5 535	1 433	4 265	0,3	0,0	-1 270	-22,9%
Individuals	11 741 441	19 924 968	12 016 308	1,7	1,1	274 867	2,3%
Residents	11 533 242	19 611 036	11 819 167	1,7	1,1	285 925	2,5%
Non-residents	208 199	324 990	197 141	1,6	0,0	-11 058	-5,3%
Term	608 781	44 867	577 819	0,1	0,0	-30 962	-5,1%
Corporate clients	4	-	4	0,0	0,0	-	0,0%
Residents	4	-	4	0,0	0,0	-	0,0%
up to 180 days	1	-	1	0,0	0,0	-	0,0%
up to 1 year	1	-	1	0,0	0,0	-	0,0%
up to 3 years	2	-	2	0,0	0,0	-	0,0%
Individuals	608 777	44 867	577 815	0,1	0,0	-30 962	-5,1%
residents	590 438	44 687	559 118	0,1	0,0	-31 320	-5,3%
up to 30 days	6	-	6	0,0	0,0	-	0,0%
up to 180 days	29 145	3 619	26 368	0,1	0,0	-2 777	-9,5%
up to 1 year	114 960	7 112	109 370	0,1	0,0	-5 590	-4,9%
up to 3 years	433 982	33 289	411 464	0,1	0,0	-22 518	-5,2%
more than 3 years	12 345	667	11 910	0,1	0,0	-435	-3,5%
non-residents	18 339	538	18 697	0,0	0,0	358	2,0%
up to 30 days	11	-	11	0,0	0,0	-	0,0%
up to 180 days	1 455	54	1 491	0,0	0,0	36	2,5%
up to 1 year	5 246	190	5 373	0,0	0,0	127	2,4%
up to 3 years	11 617	294	11 812	0,0	0,0	195	1,7%
more than 3 years	10	-	10	0,0	0,0	-	0,0%
Other liabilities	548 374	55 258 319	1 073 617	100,8	3,0	525 243	95,8%
Other liabilities	491 510	55 241 375	1 023 773	112,4	3,0	532 263	108,3%
Accrued interest not yet paid	59	16 944	60	287,2	0,0	1	1,7%
Deferred tax liabilities	56 805	7 021	49 784	0,1	0,0	-7 021	-12,4%
EQUITY	4 803 288	31 469 419	4 917 749	6,6	1,7	114 461	2,4%
Capital	5 164 370	7 022	5 165 265	0,0	0,0	895	0,0%
Profit from previous years	-1 221 794	15 525 005	-247 425	12,7	0,8	974 369	-79,7%
Retained earnings from previous years	-1 221 794	15 525 005	-247 425	12,7	0,8	974 369	-79,7%
Current year profit	860 808	16 798 184	-	19,5	0,9	-860 808	-100,0%
Current year retained earnings	860 808	16 798 184	-	19,5	0,9	-860 808	-100,0%
Future expenses	-96	16	-91	0,2	0,0	5	-5,2%
OFF-BALANCE SHEET	-5 418 227	3 904 550	-6 023 701	0,7	0,2	-605 474	11,2%
Contingent liabilities	-12 175 528	3 770 391	-12 644 337	0,3	0,2	-468 809	3,9%
Unused credit limits opened	-12 175 528	3 770 391	-12 644 337	0,3	0,2	-468 809	3,9%
Collateral on loans	223 796	126 131	98 446	0,6	0,0	-125 350	-56,0%
goods	223 796	126 131	98 446	0,6	0,0	-125 350	-56,0%
Unprocessed payments	2 580 256	30 739	2 573 437	0,0	0,0	-6 819	-0,3%
Due to lack of funds on client accounts	2 580 256	30 739	2 573 437	0,0	0,0	-6 819	-0,3%
Other off-balance sheet accounts	3 953 249	152 865	3 948 753	0,0	0,0	-4 496	-0,1%
Accrued interest not yet received	4 669 204	124 593	4 692 069	0,0	0,0	22 865	0,5%
Written-off interest	-283 976	28 013	-311 095	0,1	0,0	-27 119	9,5%
Written-off loans	-431 979	259	-432 221	0,0	0,0	-242	0,1%
Credit card balances	9 700 406	2 522 688	9 359 680	0,3	0,1	-340 726	-3,5%
Past due ratio, total	3 685	-	3 773	0,0	0,0	88	2,4%
Past due ratio, individuals	3 685	-	3 791	0,0	0,0	106	2,9%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	26 441 014	-	26 591 318	0,0	0,0	150 304	0,6%