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.


Turnover by thous. rub.					Period change
ASSETS	21 942 388	19 280 663	17 817 588	8 907 960	-13 034 428	-59,4%
High liquid assets	17 497 481	15 620 820	14 790 559	6 723 017	-10 774 464	-61,6%
Cash and equivalents	12 571 722	11 805 057	10 065 067	4 292 228	-8 279 494	-65,9%
Cash	701 291	626 834	560 871	441 777	-259 514	-37,0%
in cash and en route	701 291	626 834	560 871	441 777	-259 514	-37,0%
Nostro account with Central Bank	11 870 431	11 178 223	9 504 196	3 850 451	-8 019 980	-67,6%
Nostro accounts	1 683 284	989 521	1 432 979	364 460	-1 318 824	-78,3%
Non-residents	617 492	459 171	740 067	215 409	-402 083	-65,1%
Residents	1 065 792	530 350	692 912	149 051	-916 741	-86,0%
Money in transfer	1 676 434	878 673	348 777	100 131	-1 576 303	-94,0%
Exchange accounts	1 566 002	1 947 544	2 943 713	1 966 185	400 183	25,6%
Provision for impairment of high-liquid assets	39	25	23	13	-26	-66,7%
Interest-earning assets	3 477 949	2 929 409	1 105 898	1 218 196	-2 259 753	-65,0%
Dues from banks	2 335 000	1 805 000	-	-	-2 335 000	-100,0%
Residents	2 335 000	1 805 000	-	-	-2 335 000	-100,0%
up to 30 days	2 335 000	1 805 000	-	-	-2 335 000	-100,0%
Securities	142	253	302	1 701	1 559	1 097,9%
Bonds	142	253	302	1 701	1 559	1 097,9%
Federal Loan Bonds (OFZs), OBRs	26	29	210	32	6	23,1%
Financial institutions bonds	90	96	92	93	3	3,3%
Valuation allowance	26	128	-	1 576	1 550	5 961,5%
Loans to corporate clients	1 041 512	1 057 871	1 066 079	1 145 838	104 326	10,0%
residents	777 353	887 762	781 940	590 777	-186 576	-24,0%
up to 30 days	416 321	408 341	442 802	151 986	-264 335	-63,5%
up to 180 days	155 632	319 421	239 138	378 791	223 159	143,4%
up to 1 year	205 400	160 000	100 000	60 000	-145 400	-70,8%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	149 138	21 789	84 662	229 747	80 609	54,0%
residents	149 138	21 789	84 662	229 747	80 609	54,0%
Provision for impairment of corporate loans	115 021	148 320	199 477	325 314	210 293	182,8%
residents	115 021	148 320	199 477	325 314	210 293	182,8%
Loans to private entrepreneurs	54 999	-	-	-	-54 999	-100,0%
Past-due	40 299	-	-	-	-40 299	-100,0%
Provision for impairment of loans to private entrepreneurs	14 700	-	-	-	-14 700	-100,0%
Loans to individuals	46 296	66 285	39 517	70 657	24 361	52,6%
Standard	24 277	40 206	23 413	16 308	-7 969	-32,8%
up to 30 days	19 000	18 000	20 000	-	-19 000	-100,0%
up to 180 days	-	-	-	13 503	13 503	-
up to 1 year	50	-	-	-	-50	-100,0%
up to 3 years	5 227	22 206	3 413	2 805	-2 422	-46,3%
more than 3 years	-	-	-	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	-	-	100	684	684	-
Past-due	-	-	100	684	684	-
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	22 019	26 079	16 004	53 665	31 646	143,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	966 958	730 434	1 921 131	966 747	-211	-0,0%
Mandatory reserves with Central Bank	814	107	233	169	-645	-79,2%
Premises and equipment	997	28 974	4 063	315 892	314 895	31 584,3%
Purchase cost	997	23 658	2 982	301 698	300 701	30 160,6%
Depreciation	-	5 316	1 081	14 194	14 194	-
Accrued interest not yet received	29 507	32 161	29 038	28 449	-1 058	-3,6%
Other assets	870 751	573 061	1 796 196	609 361	-261 390	-30,0%
Provision for impairment of other assets	64 889	96 131	91 601	12 876	-52 013	-80,2%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	14 801 818	14 574 066	17 740 460	9 816 975	-4 984 843	-33,7%
Dues to banks	1 896 506	1 972 671	3 312 578	2 614 449	717 943	37,9%
On demand	432 947	430 020	749 628	214 398	-218 549	-50,5%
Residents	432 947	429 887	749 628	214 398	-218 549	-50,5%
Non-residents	-	133	-	-	-	-
Term	1 461 580	1 541 017	2 560 720	2 397 909	936 329	64,1%
Residents	1 461 580	1 541 017	2 560 720	2 397 909	936 329	64,1%
up to 30 days	1 455 000	1 535 000	2 556 000	2 330 000	875 000	60,1%
up to 180 days	-	-	-	32 947	32 947	-
more than 180 days	6 580	6 017	4 720	34 962	28 382	431,3%
Other dues to banks	1 979	1 634	2 230	2 142	163	8,2%
On demand	10 393 452	10 033 610	9 624 213	4 847 427	-5 546 025	-53,4%
Corporate clients	10 393 348	10 033 517	9 624 140	4 846 409	-5 546 939	-53,4%
Residents	10 377 993	10 015 538	9 619 882	4 825 517	-5 552 476	-53,5%
Non-residents	15 355	17 979	4 258	20 892	5 537	36,1%
Individuals	104	93	73	1 018	914	878,8%
Residents	86	77	61	842	756	879,1%
Non-residents	18	16	12	176	158	877,8%
Term	37 917	13 831	8 647	7 345	-30 572	-80,6%
Corporate clients	37 917	13 831	8 647	7 345	-30 572	-80,6%
Residents	37 917	13 831	8 647	7 345	-30 572	-80,6%
up to 30 days	26 000	-	150	100	-25 900	-99,6%
up to 180 days	5 000	3 000	-	3 000	-2 000	-40,0%
up to 1 year	6 917	10 831	8 497	4 245	-2 672	-38,6%
Securities issued	-	-	-	934	934	-
Promissory notes	-	-	-	934	934	-
up to 180 days	-	-	-	29	29	-
Discount accrued	-	-	-	905	905	-
Other liabilities	2 473 943	2 553 954	4 795 022	2 346 820	-127 123	-5,1%
Other liabilities	2 469 255	2 548 959	4 789 736	2 340 787	-128 468	-5,2%
Accrued interest not yet paid	4 688	4 995	5 286	5 683	995	21,2%
Deferred tax liabilities	-	-	-	350	350	-
EQUITY	332 377	351 655	7 766 655	503 707	171 330	51,5%
Capital	-	-	-	-	-	-
Profit from previous years	472	197	7 382 409	27 315	26 843	5 687,1%
Retained earnings from previous years	472	197	7 382 409	27 315	26 843	5 687,1%
Current year profit	328 497	348 204	380 261	471 470	142 973	43,5%
Current year retained earnings	328 497	348 204	380 261	471 470	142 973	43,5%
Future expenses	3 408	3 254	3 985	4 922	1 514	44,4%
OFF-BALANCE SHEET	796 753	1 182 914	918 955	613 709	-183 044	-23,0%
Contingent liabilities	777 413	910 796	854 939	426 357	-351 056	-45,2%
Unused credit limits opened	777 413	910 796	854 939	426 357	-351 056	-45,2%
Collateral on loans	8 272	88 907	51 206	175 907	167 635	2 026,5%
goods	8 272	88 907	51 206	175 907	167 635	2 026,5%
Unprocessed payments	8 027	180 648	10 463	8 249	222	2,8%
Due to lack of funds on client accounts	8 027	180 648	10 463	8 249	222	2,8%
Other off-balance sheet accounts	3 041	2 563	2 347	3 196	155	5,1%
Accrued interest not yet received	3 041	2 563	2 347	3 196	155	5,1%
Credit card balances	19 000	18 000	20 000	-	-19 000	-100,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-