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

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	INVESTRASTBANK	add to comparison
Central Bank of Russia registration number: 3128 retail lending

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	26 299 955	32 075 226	29 941 161	23 277 141	-3 022 814	-11,5%
High liquid assets	15 990 688	17 556 100	14 938 643	8 872 435	-7 118 253	-44,5%
Cash and equivalents	12 676 458	16 210 364	13 657 032	7 355 791	-5 320 667	-42,0%
Cash	3 562 212	3 258 710	2 155 614	2 158 938	-1 403 274	-39,4%
in cash and en route	3 225 332	2 947 272	1 859 275	1 884 836	-1 340 496	-41,6%
in ATMs	336 880	311 438	296 339	274 102	-62 778	-18,6%
Nostro account with Central Bank	9 114 246	12 951 654	11 501 418	5 196 853	-3 917 393	-43,0%
Nostro accounts	1 233 512	511 830	366 422	777 328	-456 184	-37,0%
Non-residents	1 239	399	618	633	-606	-48,9%
Residents	1 232 273	511 431	365 804	776 695	-455 578	-37,0%
Money in transfer	703 089	526 706	388 315	407 382	-295 707	-42,1%
Exchange accounts	1 375 808	302 158	516 428	320 147	-1 055 661	-76,7%
Provision for impairment of high-liquid assets	1 821	5 042	10 446	11 787	9 966	547,3%
Interest-earning assets	2 532 954	11 261 113	10 727 432	3 867 620	1 334 666	52,7%
Dues from banks	1 875 142	10 635 123	9 870 288	945 131	-930 011	-49,6%
Central Bank of Russia	-	1 610 000	7 730 000	-	-	-
Residents	1 875 142	9 025 123	2 140 288	945 131	-930 011	-49,6%
up to 30 days	1 875 142	9 025 123	2 140 288	945 131	-930 011	-49,6%
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	59 793	186 122	83 420	359 305	299 512	500,9%
Bonds	-	-	-	250 968	250 968	-
Federal Loan Bonds (OFZs), OBRs	-	-	-	250 506	250 506	-
Financial institutions bonds	-	-	-	21	21	-
Valuation allowance	-	-	-	441	441	-
Promissory notes	59 793	186 122	83 420	108 337	48 544	81,2%
Banks	59 793	186 122	83 420	108 337	48 544	81,2%
Loans to corporate clients	110 508	32 979	327 925	2 199 008	2 088 500	1 889,9%
residents	110 502	32 500	304 470	2 168 843	2 058 341	1 862,7%
up to 180 days	-	2 000	15 120	31 390	31 390	-
up to 1 year	110 502	30 500	289 350	2 137 453	2 026 951	1 834,3%
Past-due	-	-	13 460	-	-	-
residents	-	-	13 460	-	-	-
Provision for impairment of corporate loans	6	479	9 995	30 165	30 159	502 650,0%
residents	6	479	9 995	30 165	30 159	502 650,0%
Loans to individuals	487 511	406 889	445 799	364 176	-123 335	-25,3%
Standard	261 527	125 564	113 507	92 909	-168 618	-64,5%
up to 30 days	39 142	33 174	31 321	28 549	-10 593	-27,1%
up to 180 days	4 450	-	-	-	-4 450	-100,0%
up to 1 year	21 260	-	-	-	-21 260	-100,0%
up to 3 years	73 380	300	18	-	-73 380	-100,0%
more than 3 years	123 295	92 090	82 168	64 360	-58 935	-47,8%
Past-due	130 250	152 849	154 236	94 348	-35 902	-27,6%
Past-due	130 250	152 849	154 236	94 348	-35 902	-27,6%
Provision for impairment of loans to individuals	95 734	128 476	178 056	176 919	81 185	84,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	7 776 313	3 258 013	4 275 086	10 537 086	2 760 773	35,5%
Mandatory reserves with Central Bank	6 490	319	434	594	-5 896	-90,8%
Premises and equipment	405 838	305 482	313 080	1 416 678	1 010 840	249,1%
Purchase cost	404 717	305 348	312 512	1 415 325	1 010 608	249,7%
Depreciation	1 121	134	568	1 353	232	20,7%
Accrued interest not yet received	91 032	127 985	152 164	102 325	11 293	12,4%
Other assets	7 261 489	2 803 611	3 726 637	8 988 365	1 726 876	23,8%
Provision for impairment of other assets	11 464	20 616	82 771	29 124	17 660	154,0%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	14 269 833	4 292 792	4 908 882	10 101 116	-4 168 717	-29,2%
Dues to banks	175 971	211 794	113 311	112 179	-63 792	-36,3%
On demand	158 436	156 838	109 001	99 821	-58 615	-37,0%
Residents	158 436	156 838	109 001	99 821	-58 615	-37,0%
Other dues to banks	17 535	54 956	4 310	12 358	-5 177	-29,5%
On demand	7 620 156	2 638 317	2 477 204	4 950 407	-2 669 749	-35,0%
Corporate clients	6 069 189	1 281 299	1 333 161	3 882 135	-2 187 054	-36,0%
State-owned enterprises	1 554	755	27 544	-	-1 554	-100,0%
Residents	6 050 365	1 262 273	1 292 912	3 872 474	-2 177 891	-36,0%
Non-residents	17 270	18 271	12 705	9 661	-7 609	-44,1%
Individuals	1 550 967	1 357 018	1 144 043	1 068 272	-482 695	-31,1%
Residents	1 542 466	1 344 859	1 139 311	1 063 865	-478 601	-31,0%
Non-residents	8 501	12 159	4 732	4 407	-4 094	-48,2%
Term	561 547	322 827	321 761	271 688	-289 859	-51,6%
Corporate clients	210 307	294	296	300	-210 007	-99,9%
Residents	307	294	296	300	-7	-2,3%
up to 1 year	-	-	-	-	-	-
more than 3 years	307	294	296	300	-7	-2,3%
Non-residents	210 000	-	-	-	-210 000	-100,0%
more than 3 years	210 000	-	-	-	-210 000	-100,0%
Individuals	351 240	322 533	321 465	271 388	-79 852	-22,7%
residents	350 515	322 450	321 058	271 381	-79 134	-22,6%
up to 180 days	7 232	7 134	37 127	54 838	47 606	658,3%
up to 1 year	199 628	161 946	88 416	52 277	-147 351	-73,8%
up to 3 years	143 655	153 370	195 515	164 266	20 611	14,3%
non-residents	725	83	407	7	-718	-99,0%
up to 180 days	-	-	70	-	-	-
up to 1 year	725	83	337	-	-725	-100,0%
up to 3 years	-	-	-	7	7	-
Other liabilities	5 912 159	1 119 854	1 996 606	4 766 842	-1 145 317	-19,4%
Other liabilities	5 817 794	1 065 450	1 943 297	4 713 485	-1 104 309	-19,0%
Accrued interest not yet paid	94 365	54 404	53 309	53 357	-41 008	-43,5%
EQUITY	344 053	317 202	569 639	477 313	133 260	38,7%
Capital	-	-	-	-	-	-
Profit from previous years	8 384	-	-	-	-8 384	-100,0%
Retained earnings from previous years	8 384	-	-	-	-8 384	-100,0%
Current year profit	331 907	313 238	568 583	474 963	143 056	43,1%
Current year retained earnings	331 907	313 238	568 583	474 963	143 056	43,1%
Future expenses	3 762	3 964	1 056	2 350	-1 412	-37,5%
OFF-BALANCE SHEET	674 557	584 047	864 922	5 772 385	5 097 828	755,7%
Contingent liabilities	157 825	120 868	442 559	2 905 292	2 747 467	1 740,8%
Unused credit limits opened	157 825	120 868	442 559	2 905 292	2 747 467	1 740,8%
Collateral on loans	478 971	254 760	382 035	2 834 212	2 355 241	491,7%
goods	385 852	133 292	222 837	1 658 929	1 273 077	329,9%
securities	93 119	121 468	159 198	1 175 283	1 082 164	1 162,1%
Unprocessed payments	968	171 728	1 117	178	-790	-81,6%
Due to lack of funds on client accounts	968	171 728	1 117	178	-790	-81,6%
Other off-balance sheet accounts	36 793	36 691	39 211	32 703	-4 090	-11,1%
Accrued interest not yet received	36 793	36 014	39 019	32 674	-4 119	-11,2%
Written-off interest	-	175	192	-	-	-
Written-off loans	-	502	-	29	29	-
Credit card balances	39 142	33 174	31 321	28 549	-10 593	-27,1%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-