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

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	FINSERVIS	add to comparison
Central Bank of Russia registration number: 3388 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.


Turnover by thous. rub.					Period change
ASSETS	874 197 587	806 274 500	1 307 475 380	941 802 254	67 604 667	7,7%
High liquid assets	160 396 251	79 549 381	276 860 413	115 471 571	-44 924 680	-28,0%
Cash and equivalents	84 469 195	47 025 584	148 021 454	66 935 524	-17 533 671	-20,8%
Cash	2 007 439	1 892 802	2 277 534	1 568 070	-439 369	-21,9%
in cash and en route	1 636 843	1 525 727	1 733 020	1 248 532	-388 311	-23,7%
in ATMs	370 596	367 075	544 514	319 538	-51 058	-13,8%
Nostro account with Central Bank	82 461 756	45 132 782	145 743 920	65 367 454	-17 094 302	-20,7%
Nostro accounts	12 755 063	5 690 966	10 183 870	4 840 356	-7 914 707	-62,1%
Non-residents	836 432	839 676	2 919 063	841 872	5 440	0,7%
Residents	11 918 631	4 851 290	7 264 807	3 998 484	-7 920 147	-66,5%
Money in transfer	63 171 764	26 828 849	118 653 115	43 694 343	-19 477 421	-30,8%
Provision for impairment of high-liquid assets	229	3 982	1 974	1 348	1 119	488,6%
Interest-earning assets	297 065 302	330 540 918	435 942 257	358 516 357	61 451 055	20,7%
Dues from banks	280 858 164	312 960 951	406 013 408	351 650 348	70 792 184	25,2%
Central Bank of Russia	20 000 000	-	38 000 000	15 000 000	-5 000 000	-25,0%
Residents	260 852 451	312 950 083	368 007 092	336 601 474	75 749 023	29,0%
up to 30 days	254 837 860	307 566 189	362 937 684	332 792 230	77 954 370	30,6%
up to 180 days	6 014 591	5 383 894	5 069 408	3 809 244	-2 205 347	-36,7%
Non-residents	5 330	10 496	5 926	48 314	42 984	806,5%
more than 180 days	5 330	10 496	5 926	48 314	42 984	806,5%
Provision for impairment of loans to banks	383	372	390	560	177	46,2%
Securities	10 723 156	11 159 625	20 459 288	1 828 127	-8 895 029	-83,0%
Bonds	10 723 156	11 159 625	20 442 737	1 828 127	-8 895 029	-83,0%
Federal Loan Bonds (OFZs), OBRs	7 844 021	3 349 195	10 905 420	6 080	-7 837 941	-99,9%
Corporate bonds	8 536	6 196	6 404	6 403	-2 133	-25,0%
Financial institutions bonds	17 582	62 833	28 464	54 231	36 649	208,4%
Corporate foreign bonds	1 445 873	4 547 262	1 313 989	1 528 570	82 697	5,7%
Valuation allowance	72 294	98 048	153 195	232 756	160 462	222,0%
Pledged under REPO	1 334 774	3 095 594	8 035 265	87	-1 334 687	-100,0%
Past-due	-	-	-	-	-	-
Provision for impairment of bonds	76	497	-	-	-76	-100,0%
Stocks	-	-	16 551	-	-	-
Residents	-	-	16 551	-	-	-
Loans to corporate clients	5 303 596	6 098 253	7 948 267	4 816 611	-486 985	-9,2%
residents	3 785 055	5 285 033	5 582 636	4 705 141	920 086	24,3%
up to 30 days	1 000 000	1 501 500	1 000 000	1 000 000	-	0,0%
up to 180 days	1 111 510	1 986 563	2 448 834	1 816 748	705 238	63,4%
up to 1 year	1 320 506	1 337 021	990 297	1 473 268	152 762	11,6%
up to 3 years	60 581	97 434	210 318	91 964	31 383	51,8%
more than 3 years	292 458	362 515	933 187	323 161	30 703	10,5%
state-owned enterprises	1 120 000	-	1 605 409	-	-1 120 000	-100,0%
up to 30 days	-	-	876 809	-	-	-
up to 180 days	40 000	-	275 000	-	-40 000	-100,0%
up to 1 year	1 080 000	-	453 600	-	-1 080 000	-100,0%
up to 3 years	-	-	-	-	-	-
Past-due	1 682	1 201	497	252	-1 430	-85,0%
residents	1 665	1 184	214	228	-1 437	-86,3%
non-residents	1	1	3	1	-	0,0%
state-owned enterprises	16	16	280	23	7	43,8%
Provision for impairment of corporate loans	396 859	812 019	759 725	111 218	-285 641	-72,0%
residents	134 084	781 566	670 181	98 147	-35 937	-26,8%
non-residents	-	-	12	-	-	-
state-owned enterprises	262 775	30 453	89 532	13 071	-249 704	-95,0%
Loans to private entrepreneurs	46 340	12 888	2 834	8 210	-38 130	-82,3%
up to 1 year	14 854	6 727	-	7 493	-7 361	-49,6%
up to 3 years	-	-	-	-	-	-
more than 3 years	27 181	-	-	-	-27 181	-100,0%
Past-due	50	50	61	46	-4	-8,0%
Provision for impairment of loans to private entrepreneurs	4 255	6 111	2 773	671	-3 584	-84,2%
Loans to individuals	134 046	309 201	1 518 460	213 061	79 015	58,9%
Standard	98 251	193 177	549 107	154 097	55 846	56,8%
up to 30 days	19 447	15 751	18 837	12 123	-7 324	-37,7%
up to 1 year	246	400	138 349	5 820	5 574	2 265,9%
up to 3 years	6 168	5 470	2 007	2 325	-3 843	-62,3%
more than 3 years	72 390	171 556	389 914	133 829	61 439	84,9%
Past-due	3 843	5 897	4 867	2 513	-1 330	-34,6%
Past-due	3 843	5 897	4 867	2 513	-1 330	-34,6%
Provision for impairment of loans to individuals	31 952	110 127	964 486	56 451	24 499	76,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	416 736 034	396 184 201	594 672 710	467 814 326	51 078 292	12,3%
Mandatory reserves with Central Bank	-	40 426	16 214	-	-	-
Premises and equipment	8 814 483	7 918 261	6 902 621	60 842	-8 753 641	-99,3%
Purchase cost	8 796 460	7 914 730	6 899 970	60 842	-8 735 618	-99,3%
Depreciation	18 023	3 531	2 651	-	-18 023	-100,0%
Accrued interest not yet received	457 192	469 304	537 829	592 015	134 823	29,5%
Other assets	406 876 691	387 336 315	586 721 520	466 699 804	59 823 113	14,7%
Provision for impairment of other assets	587 417	419 895	493 616	421 610	-165 807	-28,2%
Derivatives - assets	251	-	910	40 055	39 804	15 858,2%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	336 665 181	263 972 533	376 791 275	247 046 614	-89 618 567	-26,6%
Dues to banks	31 666 454	25 367 853	41 497 048	35 029 384	3 362 930	10,6%
On demand	219 866	100 983	695 257	208 059	-11 807	-5,4%
Non-residents	219 866	100 983	695 257	208 059	-11 807	-5,4%
Term	31 391 162	25 195 883	40 654 036	34 608 690	3 217 528	10,2%
Residents	31 391 162	25 195 883	40 654 036	34 608 690	3 217 528	10,2%
up to 30 days	31 391 162	25 195 883	40 654 036	34 608 690	3 217 528	10,2%
Other dues to banks	55 426	70 987	147 755	212 635	157 209	283,6%
On demand	168 247 099	134 677 192	189 844 595	98 438 343	-69 808 756	-41,5%
Corporate clients	158 630 530	128 430 707	182 801 176	93 713 413	-64 917 117	-40,9%
State-owned enterprises	117 517	47 814	56 879	37 833	-79 684	-67,8%
Residents	158 497 968	128 372 946	182 735 462	93 668 905	-64 829 063	-40,9%
Non-residents	15 045	9 947	8 835	6 675	-8 370	-55,6%
Individuals	6 867 887	3 895 880	4 666 685	2 835 708	-4 032 179	-58,7%
Residents	6 849 396	3 881 666	4 646 265	2 823 096	-4 026 300	-58,8%
Non-residents	18 491	14 214	20 420	12 612	-5 879	-31,8%
Brokerage accounts	2 748 682	2 350 605	2 376 734	1 889 222	-859 460	-31,3%
Residents	2 748 682	2 350 605	2 376 734	1 889 222	-859 460	-31,3%
Non-residents	-	-	-	-	-	-
Term	115 438 896	92 395 101	121 438 376	83 097 233	-32 341 663	-28,0%
Corporate clients	115 036 683	91 934 179	120 658 523	82 639 663	-32 397 020	-28,2%
Residents	115 036 683	91 934 179	120 658 523	82 639 663	-32 397 020	-28,2%
up to 30 days	92 598 464	90 714 862	100 704 420	50 946 204	-41 652 260	-45,0%
up to 180 days	22 438 219	1 219 317	19 947 103	21 693 459	-744 760	-3,3%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	7 000	-	-	-
more than 3 years	-	-	-	10 000 000	10 000 000	-
Individuals	402 213	460 922	779 853	457 570	55 357	13,8%
residents	401 437	460 919	779 853	457 570	56 133	14,0%
up to 30 days	-	-	9	-	-	-
up to 180 days	9 568	20 532	16 373	25 406	15 838	165,5%
up to 1 year	12 711	4 008	15 124	13 683	972	7,6%
up to 3 years	350 434	372 413	733 931	411 573	61 139	17,4%
more than 3 years	28 724	63 966	14 416	6 908	-21 816	-76,0%
non-residents	776	3	-	-	-776	-100,0%
up to 180 days	-	3	-	-	-	-
up to 1 year	776	-	-	-	-776	-100,0%
Securities issued	3 019 003	926 914	3 707 580	2 599 833	-419 170	-13,9%
Promissory notes	1 767 003	862 914	3 707 580	2 599 833	832 830	47,1%
on demand	1 173 500	663 000	2 242 954	-	-1 173 500	-100,0%
up to 180 days	217 928	199 914	502 613	9 995	-207 933	-95,4%
up to 1 year	315 065	-	-	1 793 945	1 478 880	469,4%
up to 3 years	60 510	-	962 013	282 709	222 199	367,2%
more than 3 years	-	-	-	513 184	513 184	-
Depositary certificates	1 252 000	64 000	-	-	-1 252 000	-100,0%
up to 30 days	626 000	32 000	-	-	-626 000	-100,0%
up to 180 days	626 000	32 000	-	-	-626 000	-100,0%
Other liabilities	18 293 729	10 605 473	20 303 676	27 881 821	9 588 092	52,4%
Other liabilities	18 014 080	10 313 600	20 009 572	27 375 183	9 361 103	52,0%
Accrued interest not yet paid	277 804	247 776	270 361	435 575	157 771	56,8%
Derivatives - liabilities	1 845	-	23 743	71 063	69 218	3 751,7%
Deferred tax liabilities	-	44 097	-	-	-	-
EQUITY	2 977 711	3 837 442	3 467 594	69 088 343	66 110 632	2 220,2%
Capital	406	434	434	448	42	10,3%
Profit from previous years	-	-	-	31 918 666	31 918 666	-
Retained earnings from previous years	-	-	-	31 918 666	31 918 666	-
Current year profit	2 977 305	3 837 008	3 467 160	37 169 229	34 191 924	1 148,4%
Current year retained earnings	2 977 305	3 837 008	3 467 160	37 169 229	34 191 924	1 148,4%
OFF-BALANCE SHEET	9 071 963	8 910 329	14 196 531	11 426 045	2 354 082	25,9%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	6 257 221	7 921 416	9 918 042	8 177 020	1 919 799	30,7%
Guarantees issued	316 909	301 944	59 638	1 338 412	1 021 503	322,3%
Unused credit limits opened	5 435 753	7 154 223	9 326 758	6 513 602	1 077 849	19,8%
Unused guarantee limits	504 559	465 249	531 646	325 006	-179 553	-35,6%
Collateral on loans	2 670 991	926 297	4 128 858	3 036 572	365 581	13,7%
goods	1 660 346	894 148	3 856 195	3 022 371	1 362 025	82,0%
securities	1 010 645	32 149	272 663	14 201	-996 444	-98,6%
Unprocessed payments	143 749	62 604	87 254	212 443	68 694	47,8%
Due to lack of funds on client accounts	143 749	62 604	87 254	212 443	68 694	47,8%
Other off-balance sheet accounts	2	12	62 377	10	8	400,0%
Written-off interest	-	-	4 976	-	-	-
Written-off loans	2	12	57 401	10	8	400,0%
Credit card balances	19 447	15 751	18 837	12 123	-7 324	-37,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-