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.


Turnover by thous. rub.					Period change
ASSETS	4 563 636	1 951 625	1 199 507	1 044 205	-3 519 431	-77,1%
High liquid assets	3 366 047	1 488 563	869 433	802 452	-2 563 595	-76,2%
Cash and equivalents	1 661 527	1 147 999	764 636	783 817	-877 710	-52,8%
Cash	302 269	151 439	192 995	206 768	-95 501	-31,6%
in cash and en route	297 939	148 193	191 823	206 706	-91 233	-30,6%
in ATMs	4 330	3 246	1 172	62	-4 268	-98,6%
Nostro account with Central Bank	1 359 258	996 560	571 641	577 049	-782 209	-57,5%
Nostro accounts	1 509 779	111 856	52 018	17 293	-1 492 486	-98,9%
Residents	1 509 779	111 856	52 018	17 293	-1 492 486	-98,9%
Money in transfer	96 916	112 045	29 062	1 342	-95 574	-98,6%
Exchange accounts	97 825	116 663	23 717	-	-97 825	-100,0%
Interest-earning assets	902 574	211 194	206 365	156 378	-746 196	-82,7%
Dues from banks	700 000	-	-	-	-700 000	-100,0%
Central Bank of Russia	700 000	-	-	-	-700 000	-100,0%
Securities	-	-	-	40 118	40 118	-
Promissory notes	-	-	-	40 118	40 118	-
Banks	-	-	-	40 118	40 118	-
Loans to corporate clients	120 316	119 315	118 441	41 465	-78 851	-65,5%
residents	50 120	82 219	63 579	36 888	-13 232	-26,4%
up to 180 days	-	7 219	-	350	350	-
up to 1 year	30 174	75 000	63 579	-	-30 174	-100,0%
up to 3 years	19 946	-	-	36 538	16 592	83,2%
state-owned enterprises	1 200	-	-	-	-1 200	-100,0%
up to 180 days	1 200	-	-	-	-1 200	-100,0%
up to 1 year	-	-	-	-	-	-
Past-due	65 746	32 269	2 782	3 309	-62 437	-95,0%
residents	65 746	32 269	2 782	3 042	-62 704	-95,4%
state-owned enterprises	-	-	-	267	267	-
Provision for impairment of corporate loans	3 250	4 827	52 080	1 268	-1 982	-61,0%
residents	3 250	4 827	52 080	1 166	-2 084	-64,1%
state-owned enterprises	-	-	-	102	102	-
Loans to private entrepreneurs	22 000	-	10 000	-	-22 000	-100,0%
up to 1 year	22 000	-	-	-	-22 000	-100,0%
up to 3 years	-	-	10 000	-	-	-
Provision for impairment of loans to private entrepreneurs	-	-	-	-	-	-
Loans to individuals	60 258	91 879	77 924	74 795	14 537	24,1%
Standard	60 000	91 420	65 150	-	-60 000	-100,0%
up to 30 days	-	6 000	-	-	-	-
up to 180 days	-	43 000	50 000	-	-	-
up to 1 year	60 000	41 900	10 000	-	-60 000	-100,0%
up to 3 years	-	520	150	-	-	-
more than 3 years	-	-	5 000	-	-	-
Memo: mortgage loans	-	-	-	-	-	-
Past-due	-	-	6 000	43 699	43 699	-
Past-due	-	-	6 000	43 699	43 699	-
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	258	459	6 774	31 096	30 838	11 952,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	295 015	251 868	123 709	85 375	-209 640	-71,1%
Mandatory reserves with Central Bank	43	220	624	21 319	21 276	49 479,1%
Premises and equipment	5 181	452	5 163	26 051	20 870	402,8%
Purchase cost	5 181	452	5 163	26 051	20 870	402,8%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	21 813	19 268	15 738	14 744	-7 069	-32,4%
Other assets	267 970	230 589	95 255	20 852	-247 118	-92,2%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	8	222	6 929	2 409	2 401	30 012,5%
Deferred tax asset	-	1 117	-	-	-	-
LIABILITIES	1 510 667	2 900 038	1 432 115	1 122 455	-388 212	-25,7%
Dues to banks	-	-	45 000	-	-	-
Term	-	-	45 000	-	-	-
Residents	-	-	45 000	-	-	-
up to 30 days	-	-	45 000	-	-	-
On demand	1 118 428	1 930 274	1 163 406	948 761	-169 667	-15,2%
Corporate clients	831 427	1 652 881	915 737	768 480	-62 947	-7,6%
State-owned enterprises	10 853	6 627	5 193	5 770	-5 083	-46,8%
Residents	820 554	1 646 246	910 528	762 695	-57 859	-7,1%
Non-residents	20	8	16	15	-5	-25,0%
Individuals	287 001	277 393	247 669	180 281	-106 720	-37,2%
Residents	286 995	276 015	247 630	180 275	-106 720	-37,2%
Non-residents	6	1 378	39	6	-	0,0%
Term	6 696	600 608	63 943	100 090	93 394	1 394,8%
Corporate clients	-	545 972	-	33 500	33 500	-
Residents	-	545 972	-	33 500	33 500	-
up to 180 days	-	-	-	33 500	33 500	-
up to 1 year	-	543 972	-	-	-	-
up to 3 years	-	2 000	-	-	-	-
Individuals	6 696	54 636	63 943	66 590	59 894	894,5%
residents	6 696	53 371	63 943	66 590	59 894	894,5%
up to 1 year	1 962	750	-	230	-1 732	-88,3%
up to 3 years	4 734	52 621	63 943	66 360	61 626	1 301,8%
non-residents	-	1 265	-	-	-	-
up to 3 years	-	1 265	-	-	-	-
Other liabilities	385 543	369 156	159 766	73 604	-311 939	-80,9%
Other liabilities	374 067	357 473	153 228	67 662	-306 405	-81,9%
Accrued interest not yet paid	11 476	11 683	6 538	5 942	-5 534	-48,2%
EQUITY	51 528	30 419	162 867	181 561	130 033	252,4%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	47 347	28 888	159 782	178 991	131 644	278,0%
Current year retained earnings	47 347	28 888	159 782	178 991	131 644	278,0%
Future expenses	4 181	1 531	3 085	2 570	-1 611	-38,5%
OFF-BALANCE SHEET	208 276	13 274	46 122	73 960	-134 316	-64,5%
Contingent liabilities	31 374	7 219	34 470	47 438	16 064	51,2%
Guarantees issued	-	-	891	191	191	-
Unused credit limits opened	31 374	7 219	33 579	47 247	15 873	50,6%
Collateral on loans	125 916	-	5 400	-	-125 916	-100,0%
goods	125 916	-	5 400	-	-125 916	-100,0%
Unprocessed payments	50 035	5 077	4 602	23 963	-26 072	-52,1%
Due to lack of funds on client accounts	50 035	5 077	4 602	23 963	-26 072	-52,1%
Other off-balance sheet accounts	951	978	1 650	2 559	1 608	169,1%
Accrued interest not yet received	950	977	1 650	2 557	1 607	169,2%
Written-off interest	1	-	-	1	-	0,0%
Written-off loans	-	1	-	1	1	-
Credit card balances	-	6 000	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-