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

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	RAM BANK	add to comparison
Central Bank of Russia registration number: 3480

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.	01.06.2019	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	3 163 185	5 513 802	2 884 049	1,7	1,9	-279 136	-8,8%
High liquid assets	93 927	1 843 794	56 137	19,6	0,6	-37 790	-40,2%
Cash and equivalents	22 016	1 592 457	28 523	72,3	0,6	6 507	29,6%
Cash	13 963	88 642	6 931	6,3	0,0	-7 032	-50,4%
in cash and en route	13 943	88 284	6 206	6,3	0,0	-7 737	-55,5%
in ATMs	20	1 063	725	53,2	0,0	705	3 525,0%
Nostro account with Central Bank	8 053	1 510 847	21 592	187,6	0,5	13 539	168,1%
Nostro accounts	35 060	97 376	8 091	2,8	0,0	-26 969	-76,9%
Non-residents	23 270	55 081	467	2,4	0,0	-22 803	-98,0%
Residents	11 790	42 295	7 624	3,6	0,0	-4 166	-35,3%
Money in transfer	12 415	74 696	12 514	6,0	0,0	99	0,8%
Exchange accounts	24 611	85 865	7 182	3,5	0,0	-17 429	-70,8%
Provision for impairment of high-liquid assets	-175	8	-173	0,0	0,0	2	-1,1%
Interest-earning assets	2 797 485	1 146 333	2 563 164	0,4	0,4	-234 321	-8,4%
Dues from banks	226 699	939 515	3 231	4,1	0,3	-223 468	-98,6%
Residents	233 477	895 049	3 447	3,8	0,3	-230 030	-98,5%
up to 30 days	233 477	895 049	3 447	3,8	0,3	-230 030	-98,5%
Provision for impairment of loans to banks	-6 778	51 028	-216	7,5	0,0	6 562	-96,8%
Loans to corporate clients	2 565 276	206 801	2 554 423	0,1	0,1	-10 853	-0,4%
residents	2 772 899	164 450	2 760 619	0,1	0,1	-12 280	-0,4%
up to 30 days	30 200	30 200	30 200	1,0	0,0	-	0,0%
up to 180 days	135 031	4 000	139 031	0,0	0,0	4 000	3,0%
up to 1 year	1 746 197	134 250	1 727 448	0,1	0,0	-18 749	-1,1%
up to 3 years	861 471	2 469	863 940	0,0	0,0	2 469	0,3%
Past-due	86	14 631	95	170,1	0,0	9	10,5%
residents	86	14 631	95	170,1	0,0	9	10,5%
Provision for impairment of corporate loans	-207 709	29 147	-206 291	0,1	0,0	1 418	-0,7%
residents	-207 709	29 147	-206 291	0,1	0,0	1 418	-0,7%
Loans to private entrepreneurs	5 510	17	5 510	0,0	0,0	-	0,0%
up to 3 years	6 000	-	6 000	0,0	0,0	-	0,0%
Past-due	1	-	1	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-491	17	-491	0,0	0,0	-	0,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	271 773	2 523 675	264 748	9,3	0,9	-7 025	-2,6%
Mandatory reserves with Central Bank	30 045	1 268	31 313	0,0	0,0	1 268	4,2%
Premises and equipment	172 934	1 360	172 034	0,0	0,0	-900	-0,5%
Purchase cost	284 820	460	284 823	0,0	0,0	3	0,0%
Depreciation	-111 886	903	-112 789	0,0	0,0	-903	0,8%
Accrued interest not yet received	5 035	26 409	4 205	5,2	0,0	-830	-16,5%
Other assets	104 706	2 484 240	99 977	23,7	0,9	-4 729	-4,5%
Provision for impairment of other assets	-40 947	11 666	-42 781	0,3	0,0	-1 834	4,5%
LIABILITIES	2 635 359	3 979 975	2 343 375	1,5	1,4	-291 984	-11,1%
Dues to banks	297 930	280 001	17 989	0,9	0,1	-279 941	-94,0%
On demand	297 930	280 001	17 989	0,9	0,1	-279 941	-94,0%
Non-residents	297 930	280 001	17 989	0,9	0,1	-279 941	-94,0%
On demand	106 403	1 173 770	94 820	11,0	0,4	-11 583	-10,9%
Corporate clients	88 167	1 161 237	76 276	13,2	0,4	-11 891	-13,5%
Residents	87 797	1 160 588	75 906	13,2	0,4	-11 891	-13,5%
Non-residents	370	649	370	1,8	0,0	-	0,0%
Individuals	18 236	12 841	18 544	0,7	0,0	308	1,7%
Residents	17 305	12 345	18 187	0,7	0,0	882	5,1%
Non-residents	931	1 070	357	1,1	0,0	-574	-61,7%
Term	2 209 346	11 739	2 207 547	0,0	0,0	-1 799	-0,1%
Corporate clients	1 715 584	-	1 715 584	0,0	0,0	-	0,0%
Residents	1 715 584	-	1 715 584	0,0	0,0	-	0,0%
more than 3 years	1 715 584	-	1 715 584	0,0	0,0	-	0,0%
Individuals	493 762	11 739	491 963	0,0	0,0	-1 799	-0,4%
residents	493 561	11 674	491 827	0,0	0,0	-1 734	-0,4%
up to 180 days	6 721	1 291	7 665	0,2	0,0	944	14,0%
up to 1 year	15 580	1 623	15 349	0,1	0,0	-231	-1,5%
up to 3 years	471 260	9 704	468 813	0,0	0,0	-2 447	-0,5%
non-residents	201	65	136	0,3	0,0	-65	-32,3%
up to 3 years	201	65	136	0,3	0,0	-65	-32,3%
Other liabilities	21 680	2 515 804	23 019	116,0	0,9	1 339	6,2%
Other liabilities	13 644	2 512 411	14 334	184,1	0,9	690	5,1%
Accrued interest not yet paid	8 036	3 393	8 685	0,4	0,0	649	8,1%
EQUITY	527 826	100 769	540 674	0,2	0,0	12 848	2,4%
Capital	1 293 680	-	1 293 680	0,0	0,0	-	0,0%
Profit from previous years	-948 455	-	-948 455	0,0	0,0	-	0,0%
Retained earnings from previous years	-948 455	-	-948 455	0,0	0,0	-	0,0%
Current year profit	182 601	100 769	195 449	0,6	0,0	12 848	7,0%
Current year retained earnings	182 601	100 769	195 449	0,6	0,0	12 848	7,0%
OFF-BALANCE SHEET	3 877 965	218 169	3 844 646	0,1	0,1	-33 319	-0,9%
Unused credit limits available	500 000	-	500 000	0,0	0,0	-	0,0%
Contingent liabilities	-2 469	209 355	-29 654	84,8	0,1	-27 185	1 101,1%
Guarantees issued	-	5 000	-5 000	-	-	-5 000	-
Unused credit limits opened	-2 469	204 355	-24 654	82,8	0,1	-22 185	898,5%
Collateral on loans	3 325 132	7 899	3 322 233	0,0	0,0	-2 899	-0,1%
goods	3 325 132	7 899	3 322 233	0,0	0,0	-2 899	-0,1%
Unprocessed payments	87 498	3 814	84 263	0,0	0,0	-3 235	-3,7%
Due to lack of funds on client accounts	87 498	3 814	84 263	0,0	0,0	-3 235	-3,7%
Other off-balance sheet accounts	-32 196	-	-32 196	0,0	0,0	-	0,0%
Written-off interest	-13 157	-	-13 157	0,0	0,0	-	0,0%
Written-off loans	-19 039	-	-19 039	0,0	0,0	-	0,0%
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	2	-	2	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	3 959 917	-	3 906 716	0,0	0,0	-53 201	-1,3%