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

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Central Bank of Russia registration number: 3373

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.	01.01.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 194 171	1 624 804	1 107 148	1,4	1,5	-87 023	-7,3%
High liquid assets	120 709	827 662	42 033	6,9	0,7	-78 676	-65,2%
Cash and equivalents	111 408	811 844	36 063	7,3	0,7	-75 345	-67,6%
Cash	63 729	235 734	17 215	3,7	0,2	-46 514	-73,0%
in cash and en route	63 124	235 129	17 215	3,7	0,2	-45 909	-72,7%
in ATMs	605	605	-	1,0	0,0	-605	-100,0%
Nostro account with Central Bank	47 679	576 110	18 848	12,1	0,5	-28 831	-60,5%
Nostro accounts	11 544	15 713	8 213	1,4	0,0	-3 331	-28,9%
Residents	11 544	15 713	8 213	1,4	0,0	-3 331	-28,9%
Money in transfer	32	105	32	3,3	0,0	-	0,0%
Provision for impairment of high-liquid assets	-2 275	-	-2 275	0,0	0,0	-	0,0%
Interest-earning assets	965 592	333 527	973 077	0,3	0,3	7 485	0,8%
Dues from banks	-	315 000	-	-	-	-	-
Central Bank of Russia	-	50 000	-	-	-	-	-
Residents	-	265 000	-	-	-	-	-
up to 30 days	-	265 000	-	-	-	-	-
Loans to corporate clients	815 988	15 784	823 737	0,0	0,0	7 749	0,9%
residents	939 700	12 270	949 000	0,0	0,0	9 300	1,0%
up to 30 days	984	1 270	1 000	1,3	0,0	16	1,6%
up to 180 days	956	956	-	1,0	0,0	-956	-100,0%
up to 1 year	558 910	11 000	569 910	0,0	0,0	11 000	2,0%
up to 3 years	349 200	70	349 130	0,0	0,0	-70	-0,0%
more than 3 years	29 650	690	28 960	0,0	0,0	-690	-2,3%
Past-due	40 301	1 415	41 716	0,0	0,0	1 415	3,5%
residents	40 301	1 415	41 716	0,0	0,0	1 415	3,5%
Provision for impairment of corporate loans	-164 013	5 097	-166 979	0,0	0,0	-2 966	1,8%
residents	-164 013	5 097	-166 979	0,0	0,0	-2 966	1,8%
Loans to individuals	149 604	2 975	149 340	0,0	0,0	-264	-0,2%
Standard	150 970	2 149	150 321	0,0	0,0	-649	-0,4%
up to 180 days	17	8	9	0,5	0,0	-8	-47,1%
up to 1 year	31	4	27	0,1	0,0	-4	-12,9%
up to 3 years	99 573	1 500	100 860	0,0	0,0	1 287	1,3%
more than 3 years	51 349	1 924	49 425	0,0	0,0	-1 924	-3,7%
Past-due	18 529	760	19 289	0,0	0,0	760	4,1%
Past-due	18 529	760	19 289	0,0	0,0	760	4,1%
Provision for impairment of loans to individuals	-19 895	826	-20 270	0,0	0,0	-375	1,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	107 870	471 100	92 038	4,4	0,4	-15 832	-14,7%
Mandatory reserves with Central Bank	5 595	193	5 788	0,0	0,0	193	3,4%
Premises and equipment	3 839	9 589	8 334	2,5	0,0	4 495	117,1%
Purchase cost	6 678	6 000	10 462	0,9	0,0	3 784	56,7%
Depreciation	-2 839	3 589	-2 128	1,3	0,0	711	-25,0%
Accrued interest not yet received	260	5 342	3 927	20,5	0,0	3 667	1 410,4%
Other assets	99 393	460 957	75 626	4,6	0,4	-23 767	-23,9%
Provision for impairment of other assets	-1 217	3 374	-1 637	2,8	0,0	-420	34,5%
LIABILITIES	977 718	363 676	894 188	0,4	0,3	-83 530	-8,5%
On demand	71 242	268 305	16 830	3,8	0,2	-54 412	-76,4%
Corporate clients	57 183	217 809	4 904	3,8	0,2	-52 279	-91,4%
Residents	18 824	179 517	4 821	9,5	0,2	-14 003	-74,4%
Non-residents	38 359	38 292	83	1,0	0,0	-38 276	-99,8%
Individuals	14 059	50 496	11 926	3,6	0,0	-2 133	-15,2%
Residents	13 914	50 479	11 773	3,6	0,0	-2 141	-15,4%
Non-residents	145	25	153	0,2	0,0	8	5,5%
Term	901 607	59 314	874 580	0,1	0,1	-27 027	-3,0%
Corporate clients	101 700	-	101 700	0,0	0,0	-	0,0%
Residents	101 700	-	101 700	0,0	0,0	-	0,0%
up to 3 years	-	-	-	-	-	-	-
more than 3 years	101 700	-	101 700	0,0	0,0	-	0,0%
Individuals	799 907	59 314	772 880	0,1	0,1	-27 027	-3,4%
residents	799 372	59 314	772 337	0,1	0,1	-27 035	-3,4%
up to 1 year	15 995	1 594	15 764	0,1	0,0	-231	-1,4%
up to 3 years	783 377	57 720	756 573	0,1	0,1	-26 804	-3,4%
non-residents	535	8	543	0,0	0,0	8	1,5%
up to 3 years	535	8	543	0,0	0,0	8	1,5%
Other liabilities	4 869	36 057	2 778	7,4	0,0	-2 091	-42,9%
Other liabilities	916	34 013	300	37,1	0,0	-616	-67,2%
Accrued interest not yet paid	3 953	2 044	2 478	0,5	0,0	-1 475	-37,3%
EQUITY	216 453	1 558 858	212 960	7,2	1,4	-3 493	-1,6%
Capital	294 227	91 800	294 227	0,3	0,1	-	0,0%
Profit from previous years	-	752 351	-73 208	-	-	-73 208	-
Retained earnings from previous years	-	752 351	-73 208	-	-	-73 208	-
Current year profit	-72 998	779 582	-7 614	10,7	0,7	65 384	-89,6%
Current year retained earnings	-72 998	779 582	-7 614	10,7	0,7	65 384	-89,6%
Future expenses	-4 776	4 840	-445	1,0	0,0	4 331	-90,7%
OFF-BALANCE SHEET	1 354 500	34 009	1 370 187	0,0	0,0	15 687	1,2%
Contingent liabilities	-27 391	16 254	-29 875	0,6	0,0	-2 484	9,1%
Guarantees issued	-25 285	-	-25 285	0,0	0,0	-	0,0%
Unused credit limits opened	-2 106	16 254	-4 590	7,7	0,0	-2 484	117,9%
Collateral on loans	946 864	17 700	962 022	0,0	0,0	15 158	1,6%
goods	946 864	17 700	962 022	0,0	0,0	15 158	1,6%
Unprocessed payments	430 005	442	430 426	0,0	0,0	421	0,1%
Due to lack of funds on client accounts	430 005	442	430 426	0,0	0,0	421	0,1%
Other off-balance sheet accounts	5 022	2 626	7 614	0,5	0,0	2 592	51,6%
Accrued interest not yet received	5 143	2 626	7 735	0,5	0,0	2 592	50,4%
Written-off loans	-121	-	-121	0,0	0,0	-	0,0%
Past due ratio, total	512	-	526	0,0	0,0	14	2,7%
Past due ratio, individuals	1 093	-	1 137	0,0	0,0	44	4,0%
Past due ratio, corporates	411	-	421	0,0	0,0	10	2,4%
Past due ratio, corporates + entrepreneurs	411	-	421	0,0	0,0	10	2,4%
Risk-weighted assets	1 428 931	-	-	0,0	0,0	-1 428 931	-100,0%