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

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Central Bank of Russia registration number: 3047

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.	01.05.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 389 207	9 552 400	1 744 767	4,0	5,5	-644 440	-27,0%
High liquid assets	276 795	6 790 512	209 300	24,5	3,9	-67 495	-24,4%
Cash and equivalents	177 232	4 292 228	181 195	24,2	2,5	3 963	2,2%
Cash	171 977	444 562	169 192	2,6	0,3	-2 785	-1,6%
in cash and en route	171 977	444 562	169 192	2,6	0,3	-2 785	-1,6%
Nostro account with Central Bank	5 255	3 850 451	12 003	732,7	2,2	6 748	128,4%
Nostro accounts	84 790	431 157	18 093	5,1	0,2	-66 697	-78,7%
Non-residents	24 642	229 642	10 409	9,3	0,1	-14 233	-57,8%
Residents	60 148	201 515	7 684	3,4	0,1	-52 464	-87,2%
Money in transfer	8 228	100 131	8 669	12,2	0,1	441	5,4%
Exchange accounts	6 599	1 971 388	1 396	298,7	1,1	-5 203	-78,8%
Provision for impairment of high-liquid assets	-54	13	-53	0,2	0,0	1	-1,9%
Interest-earning assets	2 064 135	1 891 057	1 391 274	0,9	1,1	-672 861	-32,6%
Securities	22 328	24 029	-	1,1	0,0	-22 328	-100,0%
Bonds	22 328	24 029	-	1,1	0,0	-22 328	-100,0%
Federal Loan Bonds (OFZs), OBRs	13 945	13 977	-	1,0	0,0	-13 945	-100,0%
Financial institutions bonds	9 941	10 034	-	1,0	0,0	-9 941	-100,0%
Valuation allowance	-1 558	1 576	-	1,0	0,0	1 558	-100,0%
Loans to corporate clients	1 779 932	1 664 771	1 240 871	0,9	1,0	-539 061	-30,3%
residents	2 234 970	1 393 507	1 432 240	0,6	0,8	-802 730	-35,9%
up to 30 days	412 383	551 764	12 605	1,3	0,3	-399 778	-96,9%
up to 180 days	491 100	378 791	623 996	0,8	0,2	132 896	27,1%
up to 1 year	748 183	427 448	380 735	0,6	0,2	-367 448	-49,1%
up to 3 years	583 304	168 400	414 904	0,3	0,1	-168 400	-28,9%
Past-due	66 666	229 747	209 237	3,4	0,1	142 571	213,9%
residents	66 666	229 747	209 237	3,4	0,1	142 571	213,9%
Provision for impairment of corporate loans	-521 704	325 314	-400 606	0,6	0,2	121 098	-23,2%
residents	-521 704	325 314	-400 606	0,6	0,2	121 098	-23,2%
Loans to individuals	261 875	202 257	150 403	0,8	0,1	-111 472	-42,6%
Standard	304 467	129 181	191 594	0,4	0,1	-112 873	-37,1%
up to 30 days	20 000	20 000	-	1,0	0,0	-20 000	-100,0%
up to 180 days	-	13 503	13 503	-	-	13 503	-
up to 1 year	75 650	65 650	10 000	0,9	0,0	-65 650	-86,8%
up to 3 years	44 934	14 879	32 860	0,3	0,0	-12 074	-26,9%
more than 3 years	163 883	28 652	135 231	0,2	0,0	-28 652	-17,5%
Memo: mortgage loans	74 694	-	68 007	0,0	0,0	-6 687	-9,0%
Past-due	45 901	684	46 430	0,0	0,0	529	1,2%
Past-due	45 901	684	46 430	0,0	0,0	529	1,2%
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-88 493	72 921	-87 621	0,8	0,0	872	-1,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	48 277	966 747	144 193	20,0	0,6	95 916	198,7%
Mandatory reserves with Central Bank	8 724	2 112	6 781	0,2	0,0	-1 943	-22,3%
Premises and equipment	24 359	329 954	10 297	13,5	0,2	-14 062	-57,7%
Purchase cost	56 260	329 152	28 806	5,9	0,2	-27 454	-48,8%
Depreciation	-31 901	14 194	-18 509	0,4	0,0	13 392	-42,0%
Accrued interest not yet received	16 496	28 750	16 195	1,7	0,0	-301	-1,8%
Other assets	12 414	609 361	250 643	49,1	0,3	238 229	1 919,0%
Provision for impairment of other assets	-13 916	138 859	-139 899	10,0	0,1	-125 983	905,3%
Deferred tax asset	200	24	176	0,1	0,0	-24	-12,0%
LIABILITIES	1 608 575	9 816 975	981 285	6,1	5,6	-627 290	-39,0%
Dues to banks	694 438	2 614 449	50 581	3,8	1,5	-643 857	-92,7%
On demand	106 881	214 398	50 581	2,0	0,1	-56 300	-52,7%
Residents	106 881	214 398	50 581	2,0	0,1	-56 300	-52,7%
Term	587 557	2 397 909	-	4,1	1,4	-587 557	-100,0%
Residents	587 557	2 397 909	-	4,1	1,4	-587 557	-100,0%
up to 30 days	555 000	2 330 000	-	4,2	1,3	-555 000	-100,0%
up to 180 days	-	32 947	-	-	-	-	-
more than 180 days	32 557	34 962	-	1,1	0,0	-32 557	-100,0%
Other dues to banks	-	2 142	-	-	-	-	-
On demand	834 922	4 847 427	815 394	5,8	2,8	-19 528	-2,3%
Corporate clients	833 934	4 846 409	815 387	5,8	2,8	-18 547	-2,2%
Residents	831 183	4 825 517	815 100	5,8	2,8	-16 083	-1,9%
Non-residents	2 751	20 892	287	7,6	0,0	-2 464	-89,6%
Individuals	988	1 018	7	1,0	0,0	-981	-99,3%
Residents	818	842	7	1,0	0,0	-811	-99,1%
Non-residents	170	176	-	1,0	0,0	-170	-100,0%
Term	61 702	8 267	62 624	0,1	0,0	922	1,5%
Corporate clients	61 702	8 267	62 624	0,1	0,0	922	1,5%
Residents	61 702	8 267	62 624	0,1	0,0	922	1,5%
up to 30 days	100	150	150	1,5	0,0	50	50,0%
up to 180 days	3 000	3 000	3 000	1,0	0,0	-	0,0%
up to 1 year	58 602	5 117	59 474	0,1	0,0	872	1,5%
Securities issued	-	32 267	31 333	-	-	31 333	-
Promissory notes	-	32 267	31 333	-	-	31 333	-
up to 180 days	-	32 231	32 202	-	-	32 202	-
Discount accrued	-	905	-869	-	-	-869	-
Other liabilities	17 513	2 350 660	21 353	134,2	1,3	3 840	21,9%
Other liabilities	14 213	2 345 513	18 939	165,0	1,3	4 726	33,3%
Accrued interest not yet paid	2 399	5 683	1 863	2,4	0,0	-536	-22,3%
Deferred tax liabilities	901	350	551	0,4	0,0	-350	-38,8%
EQUITY	780 632	503 707	763 482	0,6	0,3	-17 150	-2,2%
Capital	126 500	-	126 500	0,0	0,0	-	0,0%
Profit from previous years	607 127	27 315	607 127	0,0	0,0	-	0,0%
Retained earnings from previous years	607 127	27 315	607 127	0,0	0,0	-	0,0%
Current year profit	34 716	471 470	20 946	13,6	0,3	-13 770	-39,7%
Current year retained earnings	34 716	471 470	20 946	13,6	0,3	-13 770	-39,7%
Future expenses	12 289	4 922	8 909	0,4	0,0	-3 380	-27,5%
OFF-BALANCE SHEET	1 295 926	613 709	1 095 969	0,5	0,4	-199 957	-15,4%
Contingent liabilities	-61 973	461 476	-97 092	7,4	0,3	-35 119	56,7%
Unused credit limits opened	-61 973	461 476	-97 092	7,4	0,3	-35 119	56,7%
Collateral on loans	567 086	175 907	396 296	0,3	0,1	-170 790	-30,1%
goods	567 086	175 907	396 296	0,3	0,1	-170 790	-30,1%
Unprocessed payments	785 870	8 249	791 249	0,0	0,0	5 379	0,7%
Due to lack of funds on client accounts	785 870	8 249	791 249	0,0	0,0	5 379	0,7%
Other off-balance sheet accounts	4 943	3 196	5 516	0,6	0,0	573	11,6%
Accrued interest not yet received	4 943	3 196	5 516	0,6	0,0	573	11,6%
Credit card balances	20 000	20 000	-	1,0	0,0	-20 000	-100,0%
Past due ratio, total	424	-	1 360	0,0	0,0	936	220,8%
Past due ratio, individuals	1 310	-	1 951	0,0	0,0	641	48,9%
Past due ratio, corporates	290	-	1 275	0,0	0,0	985	339,7%
Past due ratio, corporates + entrepreneurs	290	-	1 275	0,0	0,0	985	339,7%
Risk-weighted assets	3 153 148	-	2 558 951	0,0	0,0	-594 197	-18,8%