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

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	MEZHDUNARODNIY STROITELNIY BANK	add to comparison
Central Bank of Russia registration number: 3484 issues guarantees

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.	01.03.2017	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 658 995	1 916 002	1 418 894	1,2	1,4	-240 101	-14,5%
High liquid assets	57 432	871 066	143 345	15,2	0,6	85 913	149,6%
Cash and equivalents	42 266	825 482	143 228	19,5	0,6	100 962	238,9%
Cash	15 039	48 739	15 680	3,2	0,0	641	4,3%
in cash and en route	15 039	48 739	15 680	3,2	0,0	641	4,3%
Nostro account with Central Bank	27 227	776 743	127 548	28,5	0,5	100 321	368,5%
Nostro accounts	15 951	60 240	902	3,8	0,0	-15 049	-94,3%
Residents	15 951	60 240	902	3,8	0,0	-15 049	-94,3%
Money in transfer	-	393	-	-	-	-	-
Provision for impairment of high-liquid assets	-785	-	-785	0,0	0,0	-	0,0%
Interest-earning assets	1 491 462	676 221	1 419 730	0,5	0,5	-71 732	-4,8%
Dues from banks	65 000	289 000	-	4,4	0,2	-65 000	-100,0%
Central Bank of Russia	65 000	289 000	-	4,4	0,2	-65 000	-100,0%
Loans to corporate clients	1 424 584	386 400	1 418 665	0,3	0,3	-5 919	-0,4%
residents	1 699 039	252 614	1 596 952	0,1	0,2	-102 087	-6,0%
up to 30 days	7 294	7 294	-	1,0	0,0	-7 294	-100,0%
up to 180 days	3 000	-	3 000	0,0	0,0	-	0,0%
up to 1 year	758 000	102 913	665 087	0,1	0,1	-92 913	-12,3%
up to 3 years	757 443	142 407	755 563	0,2	0,1	-1 880	-0,2%
more than 3 years	173 302	-	173 302	0,0	0,0	-	0,0%
Past-due	16 583	154 206	170 513	9,3	0,1	153 930	928,2%
residents	16 583	154 206	170 513	9,3	0,1	153 930	928,2%
Provision for impairment of corporate loans	-291 038	133 510	-348 800	0,5	0,1	-57 762	19,8%
residents	-291 038	133 510	-348 800	0,5	0,1	-57 762	19,8%
Loans to individuals	1 878	821	1 065	0,4	0,0	-813	-43,3%
Standard	2 103	821	1 282	0,4	0,0	-821	-39,0%
up to 3 years	1 110	8	1 102	0,0	0,0	-8	-0,7%
more than 3 years	993	813	180	0,8	0,0	-813	-81,9%
Provision for impairment of loans to individuals	-225	8	-217	0,0	0,0	8	-3,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	110 101	454 628	-144 181	4,1	0,3	-254 282	-231,0%
Mandatory reserves with Central Bank	9 415	2 437	6 978	0,3	0,0	-2 437	-25,9%
Premises and equipment	5 625	37 872	3 955	6,7	0,0	-1 670	-29,7%
Purchase cost	11 712	37 761	9 679	3,2	0,0	-2 033	-17,4%
Depreciation	-6 087	474	-5 724	0,1	0,0	363	-6,0%
Accrued interest not yet received	330	8 700	1 755	26,4	0,0	1 425	431,8%
Other assets	357 100	161 645	229 825	0,5	0,1	-127 275	-35,6%
Provision for impairment of other assets	-262 369	245 399	-386 878	0,9	0,2	-124 509	47,5%
Deferred tax asset	-	184	184	-	-	184	-
LIABILITIES	486 601	753 291	386 086	1,5	0,5	-100 515	-20,7%
Dues to banks	-	111 006	37 930	-	-	37 930	-
Other dues to banks	-	111 006	37 930	-	-	37 930	-
On demand	305 860	513 505	301 625	1,7	0,4	-4 235	-1,4%
Corporate clients	200 193	513 171	191 913	2,6	0,4	-8 280	-4,1%
State-owned enterprises	28 162	28 173	2	1,0	0,0	-28 160	-100,0%
Residents	172 031	504 876	191 911	2,9	0,4	19 880	11,6%
Non-residents	-	2	-	-	-	-	-
Individuals	105 667	4 379	109 712	0,0	0,0	4 045	3,8%
Residents	105 667	4 379	109 712	0,0	0,0	4 045	3,8%
Term	147 306	108 580	39 552	0,7	0,1	-107 754	-73,1%
Corporate clients	147 306	108 580	39 552	0,7	0,1	-107 754	-73,1%
Residents	145 574	108 580	37 820	0,7	0,1	-107 754	-74,0%
up to 1 year	14 529	7 265	7 284	0,5	0,0	-7 245	-49,9%
up to 3 years	126 164	96 813	30 156	0,8	0,1	-96 008	-76,1%
more than 3 years	4 881	4 502	380	0,9	0,0	-4 501	-92,2%
State-owned enterprises	1 732	-	1 732	0,0	0,0	-	0,0%
more than 3 years	1 732	-	1 732	0,0	0,0	-	0,0%
Securities issued	23 762	29 857	975	1,3	0,0	-22 787	-95,9%
Promissory notes	23 762	29 857	975	1,3	0,0	-22 787	-95,9%
on demand	16 692	22 787	975	1,4	0,0	-15 717	-94,2%
up to 3 years	7 070	7 070	-	1,0	0,0	-7 070	-100,0%
Other liabilities	9 673	28 273	6 004	2,9	0,0	-3 669	-37,9%
Other liabilities	5 032	24 368	5 685	4,8	0,0	653	13,0%
Accrued interest not yet paid	4 434	4 351	319	1,0	0,0	-4 115	-92,8%
Deferred tax liabilities	207	207	-	1,0	0,0	-207	-100,0%
EQUITY	1 172 394	3 903 803	1 032 808	3,3	2,8	-139 586	-11,9%
Capital	894 221	48 989	894 221	0,1	0,0	-	0,0%
Profit from previous years	132 319	3 420 615	124 006	25,9	2,4	-8 313	-6,3%
Retained earnings from previous years	132 319	3 420 615	124 006	25,9	2,4	-8 313	-6,3%
Current year profit	146 234	434 165	14 936	3,0	0,3	-131 298	-89,8%
Current year retained earnings	146 234	434 165	14 936	3,0	0,3	-131 298	-89,8%
Future expenses	-380	59	-355	0,2	0,0	25	-6,6%
OFF-BALANCE SHEET	-3 113 721	658 982	-2 509 559	0,2	0,5	604 162	-19,4%
Contingent liabilities	-3 378 439	612 435	-2 785 126	0,2	0,4	593 313	-17,6%
Guarantees issued	-3 353 439	602 435	-2 758 126	0,2	0,4	595 313	-17,8%
Unused credit limits opened	-	12 000	-2 000	-	-	-2 000	-
Unused guarantee limits	-25 000	-	-25 000	0,0	0,0	-	0,0%
Collateral on loans	56 942	-	56 942	0,0	0,0	-	0,0%
goods	52 401	-	52 401	0,0	0,0	-	0,0%
securities	4 541	-	4 541	0,0	0,0	-	0,0%
Unprocessed payments	251 269	31 375	246 058	0,1	0,0	-5 211	-2,1%
Due to lack of funds on client accounts	251 269	31 375	246 058	0,1	0,0	-5 211	-2,1%
Other off-balance sheet accounts	-43 493	20 383	-27 433	0,5	0,0	16 060	-36,9%
Accrued interest not yet received	2 009	20 383	18 038	10,1	0,0	16 029	797,9%
Written-off interest	-7 747	6	-7 741	0,0	0,0	6	-0,1%
Written-off loans	-37 755	25	-37 730	0,0	0,0	25	-0,1%
Past due ratio, total	97	-	964	0,0	0,0	867	893,8%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	97	-	965	0,0	0,0	868	894,8%
Past due ratio, corporates + entrepreneurs	97	-	965	0,0	0,0	868	894,8%
Risk-weighted assets	5 849 686	-	4 901 562	0,0	0,0	-948 124	-16,2%