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

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	IS BANK	add to comparison
Central Bank of Russia registration number: 3175

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	6 736 734	-	6 400 899	0,0	0,0	-335 835	-5,0%
High liquid assets	884 242	-	893 382	0,0	0,0	9 140	1,0%
Cash and equivalents	514 544	-	682 224	0,0	0,0	167 680	32,6%
Cash	427 815	-	460 565	0,0	0,0	32 750	7,7%
in cash and en route	426 988	-	459 762	0,0	0,0	32 774	7,7%
in ATMs	827	-	803	0,0	0,0	-24	-2,9%
Nostro account with Central Bank	86 729	-	221 659	0,0	0,0	134 930	155,6%
Nostro accounts	97 319	-	97 627	0,0	0,0	308	0,3%
Non-residents	1 536	-	1 609	0,0	0,0	73	4,8%
Residents	95 783	-	96 018	0,0	0,0	235	0,2%
Money in transfer	281 258	-	120 408	0,0	0,0	-160 850	-57,2%
Provision for impairment of high-liquid assets	-8 879	-	-6 877	0,0	0,0	2 002	-22,5%
Interest-earning assets	4 552 792	-	4 123 801	0,0	0,0	-428 991	-9,4%
Dues from banks	1 629 600	-	1 450 000	0,0	0,0	-179 600	-11,0%
Central Bank of Russia	1 550 000	-	1 450 000	0,0	0,0	-100 000	-6,5%
Residents	80 000	-	-	0,0	0,0	-80 000	-100,0%
up to 30 days	80 000	-	-	0,0	0,0	-80 000	-100,0%
Provision for impairment of loans to banks	-400	-	-	0,0	0,0	400	-100,0%
Securities	47 396	-	47 559	0,0	0,0	163	0,3%
Bonds	47 396	-	47 559	0,0	0,0	163	0,3%
Federal Loan Bonds (OFZs), OBRs	21 199	-	21 281	0,0	0,0	82	0,4%
Corporate bonds	28 609	-	28 749	0,0	0,0	140	0,5%
Valuation allowance	-2 412	-	-2 471	0,0	0,0	-59	2,4%
Loans to corporate clients	2 030 144	-	1 967 452	0,0	0,0	-62 692	-3,1%
residents	1 883 229	-	1 834 485	0,0	0,0	-48 744	-2,6%
up to 30 days	-	-	65 000	-	-	65 000	-
up to 180 days	130 000	-	15 620	0,0	0,0	-114 380	-88,0%
up to 1 year	1 179 850	-	994 881	0,0	0,0	-184 969	-15,7%
up to 3 years	529 530	-	709 944	0,0	0,0	180 414	34,1%
more than 3 years	43 849	-	49 040	0,0	0,0	5 191	11,8%
Past-due	278 143	-	281 120	0,0	0,0	2 977	1,1%
residents	278 115	-	281 093	0,0	0,0	2 978	1,1%
non-residents	28	-	27	0,0	0,0	-1	-3,6%
Provision for impairment of corporate loans	-131 228	-	-148 153	0,0	0,0	-16 925	12,9%
residents	-131 220	-	-148 144	0,0	0,0	-16 924	12,9%
non-residents	-8	-	-9	0,0	0,0	-1	12,5%
Loans to private entrepreneurs	413 475	-	225 025	0,0	0,0	-188 450	-45,6%
up to 3 years	460 500	-	250 500	0,0	0,0	-210 000	-45,6%
more than 3 years	4 928	-	4 780	0,0	0,0	-148	-3,0%
Past-due	348	-	2 261	0,0	0,0	1 913	549,7%
Provision for impairment of loans to private entrepreneurs	-52 301	-	-32 516	0,0	0,0	19 785	-37,8%
Loans to individuals	432 177	-	433 765	0,0	0,0	1 588	0,4%
Standard	428 853	-	431 949	0,0	0,0	3 096	0,7%
up to 1 year	138 822	-	138 712	0,0	0,0	-110	-0,1%
up to 3 years	206 476	-	209 153	0,0	0,0	2 677	1,3%
more than 3 years	83 555	-	84 084	0,0	0,0	529	0,6%
Past-due	8 264	-	8 177	0,0	0,0	-87	-1,1%
Past-due	8 264	-	8 177	0,0	0,0	-87	-1,1%
Provision for impairment of loans to individuals	-4 940	-	-6 361	0,0	0,0	-1 421	28,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 299 700	-	1 383 716	0,0	0,0	84 016	6,5%
Mandatory reserves with Central Bank	24 376	-	30 490	0,0	0,0	6 114	25,1%
Premises and equipment	209 553	-	205 682	0,0	0,0	-3 871	-1,8%
Purchase cost	420 488	-	423 780	0,0	0,0	3 292	0,8%
Depreciation	-210 935	-	-218 098	0,0	0,0	-7 163	3,4%
Accrued interest not yet received	32 218	-	33 057	0,0	0,0	839	2,6%
Other assets	1 108 495	-	1 196 362	0,0	0,0	87 867	7,9%
Provision for impairment of other assets	-100 435	-	-98 564	0,0	0,0	1 871	-1,9%
Derivatives - assets	23 775	-	14 971	0,0	0,0	-8 804	-37,0%
Deferred tax asset	1 718	-	1 718	0,0	0,0	-	0,0%
LIABILITIES	5 789 921	-	5 456 633	0,0	0,0	-333 288	-5,8%
Dues to banks	181 271	-	168 527	0,0	0,0	-12 744	-7,0%
On demand	81 271	-	168 527	0,0	0,0	87 256	107,4%
Residents	81 197	-	168 451	0,0	0,0	87 254	107,5%
Non-residents	74	-	76	0,0	0,0	2	2,7%
Term	100 000	-	-	0,0	0,0	-100 000	-100,0%
Residents	100 000	-	-	0,0	0,0	-100 000	-100,0%
up to 180 days	100 000	-	-	0,0	0,0	-100 000	-100,0%
On demand	2 274 205	-	2 128 468	0,0	0,0	-145 737	-6,4%
Corporate clients	2 270 921	-	2 123 574	0,0	0,0	-147 347	-6,5%
State-owned enterprises	10 981	-	31 207	0,0	0,0	20 226	184,2%
Residents	2 089 331	-	1 955 984	0,0	0,0	-133 347	-6,4%
Non-residents	170 609	-	136 383	0,0	0,0	-34 226	-20,1%
Individuals	3 061	-	4 632	0,0	0,0	1 571	51,3%
Residents	3 061	-	4 632	0,0	0,0	1 571	51,3%
Brokerage accounts	223	-	262	0,0	0,0	39	17,5%
Residents	223	-	262	0,0	0,0	39	17,5%
Term	2 820 454	-	2 572 439	0,0	0,0	-248 015	-8,8%
Corporate clients	2 820 454	-	2 572 439	0,0	0,0	-248 015	-8,8%
Residents	2 525 765	-	2 266 841	0,0	0,0	-258 924	-10,3%
up to 30 days	24 000	-	5 000	0,0	0,0	-19 000	-79,2%
up to 180 days	617 715	-	493 291	0,0	0,0	-124 424	-20,1%
up to 1 year	1 724 000	-	1 758 500	0,0	0,0	34 500	2,0%
up to 3 years	160 050	-	10 050	0,0	0,0	-150 000	-93,7%
Non-residents	274 689	-	285 598	0,0	0,0	10 909	4,0%
more than 3 years	274 689	-	285 598	0,0	0,0	10 909	4,0%
State-owned enterprises	20 000	-	20 000	0,0	0,0	-	0,0%
up to 180 days	20 000	-	20 000	0,0	0,0	-	0,0%
Securities issued	62 995	-	260 285	0,0	0,0	197 290	313,2%
Promissory notes	62 995	-	260 285	0,0	0,0	197 290	313,2%
up to 1 year	24 982	-	220 336	0,0	0,0	195 354	782,0%
up to 3 years	38 013	-	39 949	0,0	0,0	1 936	5,1%
Other liabilities	450 996	-	326 914	0,0	0,0	-124 082	-27,5%
Other liabilities	392 188	-	279 576	0,0	0,0	-112 612	-28,7%
Accrued interest not yet paid	41 315	-	38 966	0,0	0,0	-2 349	-5,7%
Derivatives - liabilities	17 493	-	8 372	0,0	0,0	-9 121	-52,1%
EQUITY	946 813	-	944 266	0,0	0,0	-2 547	-0,3%
Capital	461 571	-	461 571	0,0	0,0	-	0,0%
Profit from previous years	468 419	-	483 457	0,0	0,0	15 038	3,2%
Retained earnings from previous years	468 419	-	483 457	0,0	0,0	15 038	3,2%
Current year profit	16 823	-	-762	0,0	0,0	-17 585	-104,5%
Current year retained earnings	16 823	-	-762	0,0	0,0	-17 585	-104,5%
OFF-BALANCE SHEET	2 769 913	-	2 729 919	0,0	0,0	-39 994	-1,4%
Contingent liabilities	-1 481 941	-	-1 419 974	0,0	0,0	61 967	-4,2%
Guarantees issued	-1 304 823	-	-1 216 946	0,0	0,0	87 877	-6,7%
Unused credit limits opened	-177 118	-	-203 028	0,0	0,0	-25 910	14,6%
Collateral on loans	3 591 584	-	3 553 622	0,0	0,0	-37 962	-1,1%
goods	3 581 084	-	3 543 122	0,0	0,0	-37 962	-1,1%
securities	10 500	-	10 500	0,0	0,0	-	0,0%
Unprocessed payments	839 791	-	775 792	0,0	0,0	-63 999	-7,6%
Due to lack of funds on client accounts	839 791	-	775 792	0,0	0,0	-63 999	-7,6%
Other off-balance sheet accounts	-179 521	-	-179 521	0,0	0,0	-	0,0%
Written-off interest	-8 758	-	-8 758	0,0	0,0	-	0,0%
Written-off loans	-170 763	-	-170 763	0,0	0,0	-	0,0%
Past due ratio, total	936	-	1 036	0,0	0,0	100	10,7%
Past due ratio, individuals	189	-	186	0,0	0,0	-3	-1,6%
Past due ratio, corporates	1 287	-	1 329	0,0	0,0	42	3,3%
Past due ratio, entrepreneurs	7	-	88	0,0	0,0	81	1 157,1%
Past due ratio, corporates + entrepreneurs	1 060	-	1 194	0,0	0,0	134	12,6%
Risk-weighted assets	6 380 463	-	5 965 268	0,0	0,0	-415 195	-6,5%