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

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	DELTAKREDIT	add to comparison
Central Bank of Russia registration number: 3338 retail lending, mortgage-oriented, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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.	01.05.2019	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	205 761 891	61 274 494	201 407 516	0,3	0,3	-4 354 375	-2,1%
High liquid assets	2 641 925	28 296 660	7 773 386	10,7	0,1	5 131 461	194,2%
Cash and equivalents	2 404 247	24 695 669	6 777 286	10,3	0,1	4 373 039	181,9%
Cash	581 057	1 515 786	498 101	2,6	0,0	-82 956	-14,3%
in cash and en route	581 057	1 515 786	498 101	2,6	0,0	-82 956	-14,3%
Nostro account with Central Bank	1 823 190	23 262 839	6 279 185	12,8	0,1	4 455 995	244,4%
Nostro accounts	229 522	3 474 990	996 080	15,1	0,0	766 558	334,0%
Non-residents	2 251	3 762	4	1,7	0,0	-2 247	-99,8%
Residents	227 271	3 473 475	996 076	15,3	0,0	768 805	338,3%
Money in transfer	8 408	133 808	20	15,9	0,0	-8 388	-99,8%
Provision for impairment of high-liquid assets	-252	581	-	2,3	0,0	252	-100,0%
Interest-earning assets	186 118 161	26 831 619	176 724 837	0,1	0,1	-9 393 324	-5,0%
Dues from banks	11 411 609	22 436 129	-	2,0	0,1	-11 411 609	-100,0%
Residents	11 411 609	22 436 129	-	2,0	0,1	-11 411 609	-100,0%
up to 30 days	2 400 000	11 006 620	-	4,6	0,1	-2 400 000	-100,0%
up to 180 days	9 011 609	11 429 509	-	1,3	0,1	-9 011 609	-100,0%
Loans to corporate clients	517	265	507	0,5	0,0	-10	-1,9%
Past-due	1 154	-	1 154	0,0	0,0	-	0,0%
residents	1 154	-	1 154	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-637	265	-647	0,4	0,0	-10	1,6%
residents	-637	265	-647	0,4	0,0	-10	1,6%
Loans to individuals	174 706 035	6 413 520	176 724 330	0,0	0,0	2 018 295	1,2%
Standard	175 433 520	4 989 076	177 537 725	0,0	0,0	2 104 205	1,2%
up to 1 year	29 362	5 327	32 212	0,2	0,0	2 850	9,7%
up to 3 years	114 604	6 255	108 429	0,1	0,0	-6 175	-5,4%
more than 3 years	175 289 554	4 983 669	177 397 084	0,0	0,0	2 107 530	1,2%
Past-due	1 923 427	361 529	1 923 063	0,2	0,0	-364	-0,0%
Past-due	1 923 427	361 529	1 923 063	0,2	0,0	-364	-0,0%
Provision for impairment of loans to individuals	-2 650 912	1 148 825	-2 736 458	0,4	0,0	-85 546	3,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	17 001 805	11 277 676	16 909 293	0,7	0,1	-92 512	-0,5%
Mandatory reserves with Central Bank	379 764	25 946	405 070	0,1	0,0	25 306	6,7%
Premises and equipment	298 269	834 663	316 495	2,8	0,0	18 226	6,1%
Purchase cost	642 187	816 027	649 264	1,3	0,0	7 077	1,1%
Depreciation	-343 918	18 636	-332 769	0,1	0,0	11 149	-3,2%
Accrued interest not yet received	801 512	1 813 689	836 085	2,3	0,0	34 573	4,3%
Other assets	15 824 698	8 266 190	15 845 575	0,5	0,0	20 877	0,1%
Provision for impairment of other assets	-459 413	279 195	-493 932	0,6	0,0	-34 519	7,5%
Deferred tax asset	156 975	156 975	-	1,0	0,0	-156 975	-100,0%
LIABILITIES	186 244 136	32 891 250	182 047 348	0,2	0,2	-4 196 788	-2,3%
Dues to banks	117 663 969	2 097 152	119 683 032	0,0	0,0	2 019 063	1,7%
Term	117 663 969	2 097 152	119 683 032	0,0	0,0	2 019 063	1,7%
Residents	117 663 969	2 097 152	119 683 032	0,0	0,0	2 019 063	1,7%
more than 180 days	117 663 969	2 097 152	119 683 032	0,0	0,0	2 019 063	1,7%
On demand	4 366 774	16 674 594	3 769 898	3,8	0,1	-596 876	-13,7%
Corporate clients	2 648 081	3 031 382	2 219 539	1,1	0,0	-428 542	-16,2%
Residents	2 537 932	2 915 599	2 123 898	1,1	0,0	-414 034	-16,3%
Non-residents	110 149	115 783	95 641	1,1	0,0	-14 508	-13,2%
Individuals	1 718 693	13 643 212	1 550 359	7,9	0,1	-168 334	-9,8%
Residents	1 683 363	13 126 474	1 514 953	7,8	0,1	-168 410	-10,0%
Non-residents	35 330	516 814	35 406	14,6	0,0	76	0,2%
Term	2 151 255	2 682 699	1 764 638	1,2	0,0	-386 617	-18,0%
Corporate clients	406 000	-	406 000	0,0	0,0	-	0,0%
Residents	406 000	-	406 000	0,0	0,0	-	0,0%
more than 3 years	406 000	-	406 000	0,0	0,0	-	0,0%
Individuals	1 745 255	2 682 699	1 358 638	1,5	0,0	-386 617	-22,2%
residents	1 731 805	2 656 369	1 358 638	1,5	0,0	-373 167	-21,5%
up to 180 days	1 731 805	2 656 369	1 358 638	1,5	0,0	-373 167	-21,5%
non-residents	13 450	26 330	-	2,0	0,0	-13 450	-100,0%
up to 180 days	13 450	26 330	-	2,0	0,0	-13 450	-100,0%
Securities issued	56 898 271	10 056 558	51 844 302	0,2	0,0	-5 053 969	-8,9%
Bonds	56 898 271	10 056 558	51 844 302	0,2	0,0	-5 053 969	-8,9%
Other liabilities	5 163 867	3 399 310	4 985 478	0,7	0,0	-178 389	-3,5%
Other liabilities	1 249 373	1 218 406	1 228 696	1,0	0,0	-20 677	-1,7%
Accrued interest not yet paid	3 914 494	2 180 904	3 750 818	0,6	0,0	-163 676	-4,2%
Deferred tax liabilities	-	5 964	5 964	-	-	5 964	-
EQUITY	19 517 755	64 478 790	19 360 168	3,3	0,3	-157 587	-0,8%
Capital	5 770 356	4 563	5 772 675	0,0	0,0	2 319	0,0%
Profit from previous years	13 352 897	46 170 665	13 587 493	3,5	0,2	234 596	1,8%
Retained earnings from previous years	13 352 897	46 170 665	13 587 493	3,5	0,2	234 596	1,8%
Current year profit	394 502	18 540 477	-	47,0	0,1	-394 502	-100,0%
Current year retained earnings	394 502	18 540 477	-	47,0	0,1	-394 502	-100,0%
OFF-BALANCE SHEET	394 027 904	11 736 152	400 079 716	0,0	0,1	6 051 812	1,5%
Contingent liabilities	-14 967	303	-14 664	0,0	0,0	303	-2,0%
Guarantees issued	-14 967	303	-14 664	0,0	0,0	303	-2,0%
Collateral on loans	394 833 759	11 716 786	400 894 887	0,0	0,1	6 061 128	1,5%
goods	67 234 693	2 540 087	68 512 850	0,0	0,0	1 278 157	1,9%
securities	327 599 066	9 176 699	332 382 037	0,0	0,0	4 782 971	1,5%
Other off-balance sheet accounts	-790 888	28 985	-800 507	0,0	0,0	-9 619	1,2%
Written-off interest	-181 703	5 064	-181 446	0,0	0,0	257	-0,1%
Written-off loans	-609 185	24 178	-619 061	0,0	0,0	-9 876	1,6%
Past due ratio, total	109	-	107	0,0	0,0	-2	-1,8%
Past due ratio, individuals	108	-	107	0,0	0,0	-1	-0,9%
Past due ratio, corporates	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Risk-weighted assets	180 217 430	-	180 629 370	0,0	0,0	411 940	0,2%