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

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	ISTKOM-FINANS	add to comparison
Central Bank of Russia registration number: 3435

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.	01.06.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	710 187	606 525	658 798	0,9	0,9	-51 389	-7,2%
High liquid assets	2 244	389 679	7 142	173,7	0,6	4 898	218,3%
Cash and equivalents	1 196	330 782	6 162	276,6	0,5	4 966	415,2%
Cash	908	250 705	1 052	276,1	0,4	144	15,9%
in cash and en route	908	191 879	1 052	211,3	0,3	144	15,9%
in ATMs	-	58 826	-	-	-	-	-
Nostro account with Central Bank	288	80 077	5 110	278,0	0,1	4 822	1 674,3%
Nostro accounts	74	129	24	1,7	0,0	-50	-67,6%
Non-residents	-	8	-	-	-	-	-
Residents	74	121	24	1,6	0,0	-50	-67,6%
Money in transfer	1 220	58 836	1 188	48,2	0,1	-32	-2,6%
Provision for impairment of high-liquid assets	-246	14	-232	0,1	0,0	14	-5,7%
Interest-earning assets	691 153	181 828	633 233	0,3	0,3	-57 920	-8,4%
Dues from banks	350	81	278	0,2	0,0	-72	-20,6%
Residents	350	81	278	0,2	0,0	-72	-20,6%
up to 30 days	350	81	278	0,2	0,0	-72	-20,6%
Loans past-due	4 940	-	4 940	0,0	0,0	-	0,0%
residents	4 940	-	4 940	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-4 940	-	-4 940	0,0	0,0	-	0,0%
Securities	-	-	-	-	-	-	-
Stocks	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-	-
Loans to corporate clients	677 618	179 856	621 126	0,3	0,3	-56 492	-8,3%
residents	809 133	108 058	732 575	0,1	0,2	-76 558	-9,5%
up to 180 days	20 595	11 293	9 302	0,5	0,0	-11 293	-54,8%
up to 1 year	236 084	50 700	205 684	0,2	0,1	-30 400	-12,9%
up to 3 years	551 454	46 065	516 589	0,1	0,1	-34 865	-6,3%
more than 3 years	1 000	-	1 000	0,0	0,0	-	0,0%
Past-due	54 662	72 731	118 757	1,3	0,1	64 095	117,3%
residents	54 662	72 731	118 757	1,3	0,1	64 095	117,3%
Provision for impairment of corporate loans	-186 177	63 162	-230 206	0,3	0,1	-44 029	23,6%
residents	-186 177	63 162	-230 206	0,3	0,1	-44 029	23,6%
Loans to individuals	13 185	1 891	11 829	0,1	0,0	-1 356	-10,3%
Standard	13 729	1 076	12 653	0,1	0,0	-1 076	-7,8%
up to 30 days	-	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-	-
up to 3 years	11 979	1 061	10 918	0,1	0,0	-1 061	-8,9%
more than 3 years	1 750	15	1 735	0,0	0,0	-15	-0,9%
Past-due	698	215	878	0,3	0,0	180	25,8%
Past-due	698	215	878	0,3	0,0	180	25,8%
Provision for impairment of loans to individuals	-1 242	780	-1 702	0,6	0,0	-460	37,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	16 790	41 549	18 423	2,5	0,1	1 633	9,7%
Mandatory reserves with Central Bank	19 060	2 975	16 085	0,2	0,0	-2 975	-15,6%
Premises and equipment	2 734	8 937	2 647	3,3	0,0	-87	-3,2%
Purchase cost	7 721	8 850	7 721	1,1	0,0	-	0,0%
Depreciation	-4 987	87	-5 074	0,0	0,0	-87	1,7%
Accrued interest not yet received	173	9 824	134	56,8	0,0	-39	-22,5%
Other assets	2 225	22 508	8 026	10,1	0,0	5 801	260,7%
Provision for impairment of other assets	-8 715	406	-8 469	0,0	0,0	246	-2,8%
Deferred tax asset	1 313	1 313	-	1,0	0,0	-1 313	-100,0%
LIABILITIES	451 690	347 800	450 442	0,8	0,5	-1 248	-0,3%
Dues to banks	-	61 029	309	-	-	309	-
On demand	-	61 029	309	-	-	309	-
Residents	-	61 029	309	-	-	309	-
On demand	168 975	202 176	181 655	1,2	0,3	12 680	7,5%
Corporate clients	111 683	152 681	122 614	1,4	0,2	10 931	9,8%
State-owned enterprises	42 008	53	42 061	0,0	0,0	53	0,1%
Residents	69 675	152 628	80 553	2,2	0,2	10 878	15,6%
Non-residents	-	-	-	-	-	-	-
Individuals	57 292	49 495	59 041	0,9	0,1	1 749	3,1%
Residents	57 279	49 490	59 023	0,9	0,1	1 744	3,0%
Non-residents	13	5	18	0,4	0,0	5	38,5%
Term	212 703	74 938	139 853	0,4	0,1	-72 850	-34,2%
Corporate clients	24 050	25 015	-	1,0	0,0	-24 050	-100,0%
Residents	4 450	4 492	-	1,0	0,0	-4 450	-100,0%
up to 180 days	4 450	4 492	-	1,0	0,0	-4 450	-100,0%
State-owned enterprises	19 600	20 523	-	1,0	0,0	-19 600	-100,0%
up to 1 year	19 600	20 523	-	1,0	0,0	-19 600	-100,0%
Individuals	188 653	49 923	139 853	0,3	0,1	-48 800	-25,9%
residents	186 873	49 861	138 096	0,3	0,1	-48 777	-26,1%
up to 180 days	2 629	2 631	7	1,0	0,0	-2 622	-99,7%
up to 1 year	99 264	42 195	57 281	0,4	0,1	-41 983	-42,3%
up to 3 years	84 980	5 035	80 808	0,1	0,0	-4 172	-4,9%
non-residents	1 780	62	1 757	0,0	0,0	-23	-1,3%
up to 1 year	4	-	4	0,0	0,0	-	0,0%
up to 3 years	1 776	62	1 753	0,0	0,0	-23	-1,3%
Securities issued	61 400	-	61 400	0,0	0,0	-	0,0%
Promissory notes	61 400	-	61 400	0,0	0,0	-	0,0%
up to 1 year	61 400	-	61 400	0,0	0,0	-	0,0%
Other liabilities	8 612	81 259	67 225	9,4	0,1	58 613	680,6%
Other liabilities	5 332	17 806	2 575	3,3	0,0	-2 757	-51,7%
Accrued interest not yet paid	3 280	2 249	3 015	0,7	0,0	-265	-8,1%
Liabilities past-due	-	64 226	61 635	-	-	61 635	-
EQUITY	258 497	75 115	208 356	0,3	0,1	-50 141	-19,4%
Capital	209 230	-	209 230	0,0	0,0	-	0,0%
Profit from previous years	81 439	-	81 439	0,0	0,0	-	0,0%
Retained earnings from previous years	81 439	-	81 439	0,0	0,0	-	0,0%
Current year profit	-27 681	75 091	-78 077	2,7	0,1	-50 396	182,1%
Current year retained earnings	-27 681	75 091	-78 077	2,7	0,1	-50 396	182,1%
Future expenses	-4 491	279	-4 236	0,1	0,0	255	-5,7%
OFF-BALANCE SHEET	832 424	105 514	899 397	0,1	0,2	66 973	8,0%
Contingent liabilities	-74 716	3 459	-71 257	0,0	0,0	3 459	-4,6%
Guarantees issued	-72 816	3 414	-69 402	0,0	0,0	3 414	-4,7%
Unused credit limits opened	-1 900	45	-1 855	0,0	0,0	45	-2,4%
Collateral on loans	544 002	5 169	538 833	0,0	0,0	-5 169	-1,0%
goods	544 002	5 169	538 833	0,0	0,0	-5 169	-1,0%
Unprocessed payments	355 397	95 537	422 731	0,3	0,1	67 334	18,9%
Due to lack of funds in bank	-	20 407	-	-	-	-	-
Due to lack of funds on client accounts	355 397	75 130	422 731	0,2	0,1	67 334	18,9%
Other off-balance sheet accounts	7 741	1 349	9 090	0,2	0,0	1 349	17,4%
Accrued interest not yet received	9 999	1 349	11 348	0,1	0,0	1 349	13,5%
Written-off interest	-7	-	-7	0,0	0,0	-	0,0%
Written-off loans to banks	-2 250	-	-2 250	0,0	0,0	-	0,0%
Written-off loans	-1	-	-1	0,0	0,0	-	0,0%
Credit card balances	-	-	-	-	-	-	-
Past due ratio, total	630	-	1 383	0,0	0,0	753	119,5%
Past due ratio, individuals	484	-	649	0,0	0,0	165	34,1%
Past due ratio, corporates	633	-	1 395	0,0	0,0	762	120,4%
Past due ratio, corporates + entrepreneurs	633	-	1 395	0,0	0,0	762	120,4%
Risk-weighted assets	1 227 752	-	1 103 823	0,0	0,0	-123 929	-10,1%