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

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	WESTINTERBANK	add to comparison
Central Bank of Russia registration number: 3398

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.	01.09.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 054 516	1 170 020	928 702	1,1	1,3	-125 814	-11,9%
High liquid assets	20 662	802 452	25 627	38,8	0,9	4 965	24,0%
Cash and equivalents	18 154	783 817	23 014	43,2	0,8	4 860	26,8%
Cash	17 962	206 768	19 750	11,5	0,2	1 788	10,0%
in cash and en route	17 828	206 706	19 750	11,6	0,2	1 922	10,8%
in ATMs	134	196	-	1,5	0,0	-134	-100,0%
Nostro account with Central Bank	192	577 049	3 264	3 005,5	0,6	3 072	1 600,0%
Nostro accounts	2 336	17 293	2 464	7,4	0,0	128	5,5%
Residents	2 336	17 293	2 464	7,4	0,0	128	5,5%
Money in transfer	172	1 365	149	7,9	0,0	-23	-13,4%
Exchange accounts	-	-	-	-	-	-	-
Interest-earning assets	859 207	284 897	730 689	0,3	0,3	-128 518	-15,0%
Securities	-	40 118	-	-	-	-	-
Promissory notes	-	40 118	-	-	-	-	-
Banks	-	40 118	-	-	-	-	-
Loans to corporate clients	569 875	137 297	474 309	0,2	0,1	-95 566	-16,8%
residents	710 191	36 888	710 441	0,1	0,0	250	0,0%
up to 180 days	82 174	350	82 524	0,0	0,0	350	0,4%
up to 1 year	570 086	36 638	533 448	0,1	0,0	-36 638	-6,4%
up to 3 years	57 931	36 538	94 469	0,6	0,0	36 538	63,1%
state-owned enterprises	15 500	-	15 500	0,0	0,0	-	0,0%
up to 180 days	4 330	-	4 330	0,0	0,0	-	0,0%
up to 1 year	11 170	-	11 170	0,0	0,0	-	0,0%
Past-due	2 548	3 309	3 309	1,3	0,0	761	29,9%
residents	2 548	3 042	3 042	1,2	0,0	494	19,4%
state-owned enterprises	-	267	267	-	-	267	-
Provision for impairment of corporate loans	-158 364	98 111	-254 941	0,6	0,1	-96 577	61,0%
residents	-158 364	97 879	-254 809	0,6	0,1	-96 445	60,9%
state-owned enterprises	-	232	-132	-	-	-132	-
Loans to private entrepreneurs	30 780	-	30 780	0,0	0,0	-	0,0%
up to 1 year	22 000	-	22 000	0,0	0,0	-	0,0%
up to 3 years	10 000	-	10 000	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-1 220	-	-1 220	0,0	0,0	-	0,0%
Loans to individuals	258 552	107 482	225 600	0,4	0,1	-32 952	-12,7%
Standard	265 672	44 440	221 232	0,2	0,0	-44 440	-16,7%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	91 742	43 742	48 000	0,5	0,0	-43 742	-47,7%
up to 1 year	101 958	8	101 950	0,0	0,0	-8	-0,0%
up to 3 years	655	22	633	0,0	0,0	-22	-3,4%
more than 3 years	71 317	668	70 649	0,0	0,0	-668	-0,9%
Memo: mortgage loans	208 109	-	187 800	0,0	0,0	-20 309	-9,8%
Past-due	-	43 699	23 644	-	-	23 644	-
Past-due	-	43 699	23 644	-	-	23 644	-
Memo: mortgage loans past-due	-	-	-	-	-	-	-
Provision for impairment of loans to individuals	-7 120	42 987	-19 276	6,0	0,0	-12 156	170,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	174 647	87 636	172 386	0,5	0,1	-2 261	-1,3%
Mandatory reserves with Central Bank	7 916	21 319	28 619	2,7	0,0	20 703	261,5%
Premises and equipment	6 066	26 113	6 004	4,3	0,0	-62	-1,0%
Purchase cost	15 605	26 051	15 605	1,7	0,0	-	0,0%
Depreciation	-9 539	62	-9 601	0,0	0,0	-62	0,6%
Accrued interest not yet received	-	14 744	-	-	-	-	-
Other assets	97 126	25 341	92 637	0,3	0,0	-4 489	-4,6%
Investments in subsidiaries	530 000	-	530 000	0,0	0,0	-	0,0%
Provision for impairment of other assets	-467 822	20 822	-486 235	0,0	0,0	-18 413	3,9%
Deferred tax asset	1 361	-	1 361	0,0	0,0	-	0,0%
LIABILITIES	715 470	1 122 455	595 799	1,6	1,2	-119 671	-16,7%
Dues to banks	-	-	-	-	-	-	-
Term	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
On demand	130 636	948 761	83 435	7,3	1,0	-47 201	-36,1%
Corporate clients	95 414	768 480	60 289	8,1	0,8	-35 125	-36,8%
State-owned enterprises	413	6 133	776	14,8	0,0	363	87,9%
Residents	94 738	762 695	59 255	8,1	0,8	-35 483	-37,5%
Non-residents	263	15	258	0,1	0,0	-5	-1,9%
Individuals	35 222	180 281	23 146	5,1	0,2	-12 076	-34,3%
Residents	35 145	180 275	23 065	5,1	0,2	-12 080	-34,4%
Non-residents	77	10	81	0,1	0,0	4	5,2%
Term	577 478	100 090	504 234	0,2	0,1	-73 244	-12,7%
Corporate clients	50 000	33 500	16 500	0,7	0,0	-33 500	-67,0%
Residents	50 000	33 500	16 500	0,7	0,0	-33 500	-67,0%
up to 180 days	50 000	33 500	16 500	0,7	0,0	-33 500	-67,0%
Individuals	527 478	66 590	487 734	0,1	0,1	-39 744	-7,5%
residents	526 778	66 590	485 864	0,1	0,1	-40 914	-7,8%
up to 1 year	230	230	-	1,0	0,0	-230	-100,0%
up to 3 years	526 548	66 360	485 864	0,1	0,1	-40 684	-7,7%
non-residents	700	1 170	1 870	1,7	0,0	1 170	167,1%
up to 3 years	700	1 170	1 870	1,7	0,0	1 170	167,1%
Other liabilities	7 356	74 378	8 130	10,1	0,1	774	10,5%
Other liabilities	4 042	68 940	5 320	17,1	0,1	1 278	31,6%
Accrued interest not yet paid	3 314	5 942	2 810	1,8	0,0	-504	-15,2%
EQUITY	339 046	181 561	332 903	0,5	0,2	-6 143	-1,8%
Capital	404 807	120 000	524 807	0,3	0,1	120 000	29,6%
Profit from previous years	18 628	-	18 628	0,0	0,0	-	0,0%
Retained earnings from previous years	18 628	-	18 628	0,0	0,0	-	0,0%
Current year profit	-84 914	178 991	-210 816	2,1	0,2	-125 902	148,3%
Current year retained earnings	-84 914	178 991	-210 816	2,1	0,2	-125 902	148,3%
Future expenses	525	2 570	284	4,9	0,0	-241	-45,9%
OFF-BALANCE SHEET	422 758	73 960	506 785	0,2	0,1	84 027	19,9%
Contingent liabilities	-49 860	47 438	-2 422	1,0	0,1	47 438	-95,1%
Guarantees issued	-2 351	191	-2 160	0,1	0,0	191	-8,1%
Unused credit limits opened	-47 509	47 247	-262	1,0	0,1	47 247	-99,4%
Collateral on loans	441 987	27 553	469 540	0,1	0,0	27 553	6,2%
goods	441 987	27 553	469 540	0,1	0,0	27 553	6,2%
Unprocessed payments	58 298	23 963	66 992	0,4	0,0	8 694	14,9%
Due to lack of funds on client accounts	58 298	23 963	66 992	0,4	0,0	8 694	14,9%
Other off-balance sheet accounts	-27 667	2 559	-27 325	0,1	0,0	342	-1,2%
Accrued interest not yet received	689	2 557	1 033	3,7	0,0	344	49,9%
Written-off interest	-4 634	1	-4 635	0,0	0,0	-1	0,0%
Written-off loans	-23 722	1	-23 723	0,0	0,0	-1	0,0%
Credit card balances	-	-	-	-	-	-	-
Past due ratio, total	25	-	268	0,0	0,0	243	972,0%
Past due ratio, individuals	-	-	966	-	-	966	-
Past due ratio, corporates	35	-	45	0,0	0,0	10	28,6%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	34	-	43	0,0	0,0	9	26,5%
Risk-weighted assets	1 397 326	-	1 236 540	0,0	0,0	-160 786	-11,5%