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	TREVEL BANKI want to buy a report	add to comparison
Central Bank of Russia registration number: 531

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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.	01.12.2011	>> Turnover >>	01.01.2012 01.12.2011 01.11.2011 01.10.2011 01.09.2011 01.08.2011 01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010	Turnover / amount	Turnover / assets	Period change
ASSETS	519 718	245 008	359 809	0,5	0,7	-159 909	-30,8%
High liquid assets	49 135	59 330	929	1,2	0,2	-48 206	-98,1%
Cash and equivalents	48 949	59 126	815	1,2	0,2	-48 134	-98,3%
Cash	43 553	44 533	353	1,0	0,1	-43 200	-99,2%
in cash and en route	43 553	44 533	353	1,0	0,1	-43 200	-99,2%
Nostro account with Central Bank	5 396	14 593	462	2,7	0,0	-4 934	-91,4%
Nostro accounts	186	204	114	1,1	0,0	-72	-38,7%
Residents	186	204	114	1,1	0,0	-72	-38,7%
Interest-earning assets	459 074	172 695	346 795	0,4	0,5	-112 279	-24,5%
Loans to corporate clients	348 971	80 784	263 485	0,2	0,2	-85 486	-24,5%
residents	347 000	-	347 000	0,0	0,0	-	0,0%
up to 1 year	295 000	-	295 000	0,0	0,0	-	0,0%
up to 3 years	52 000	-	52 000	0,0	0,0	-	0,0%
Past-due	4 791	-	4 791	0,0	0,0	-	0,0%
residents	4 791	-	4 791	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-2 820	80 784	-88 306	28,6	0,2	-85 486	3 031,4%
residents	-2 820	80 784	-88 306	28,6	0,2	-85 486	3 031,4%
Loans to individuals	130 455	91 911	83 310	0,7	0,3	-47 145	-36,1%
Standard	114 937	60 897	114 053	0,5	0,2	-884	-0,8%
up to 30 days	13	13	-	1,0	0,0	-13	-100,0%
up to 1 year	60 000	60 000	-	1,0	0,2	-60 000	-100,0%
up to 3 years	130	60 000	60 000	461,5	0,2	59 870	46 053,8%
more than 3 years	54 794	754	54 053	0,0	0,0	-741	-1,4%
Past-due	15 561	387	15 948	0,0	0,0	387	2,5%
Past-due	15 561	387	15 948	0,0	0,0	387	2,5%
Provision for impairment of loans to individuals	-43	31 014	-46 691	721,3	0,1	-46 648	108 483,7%
Provision for impairment of loans past-due	-20 352	-	-	0,0	0,0	20 352	-100,0%
Other assets	11 509	13 559	12 085	1,2	0,0	576	5,0%
Mandatory reserves with Central Bank	6 640	220	6 860	0,0	0,0	220	3,3%
Premises and equipment	2 443	7 391	2 029	3,0	0,0	-414	-16,9%
Purchase cost	9 907	7 307	6 712	0,7	0,0	-3 195	-32,2%
Depreciation	-7 464	2 865	-4 683	0,4	0,0	2 781	-37,3%
Accrued interest not yet received	298	4 199	412	14,1	0,0	114	38,3%
Other assets	2 404	2 156	3 115	0,9	0,0	711	29,6%
Provision for impairment of other assets	-276	62	-331	0,2	0,0	-55	19,9%
LIABILITIES	299 925	146 137	251 456	0,5	0,4	-48 469	-16,2%
Dues to banks	10 000	12 763	8 000	1,3	0,0	-2 000	-20,0%
Term	10 000	10 000	8 000	1,0	0,0	-2 000	-20,0%
Residents	10 000	10 000	8 000	1,0	0,0	-2 000	-20,0%
up to 30 days	10 000	10 000	-	1,0	0,0	-10 000	-100,0%
Past-due	-	8 000	8 000	-	-	8 000	-
Other dues to banks	-	2 763	-	-	-	-	-
On demand	22 107	22 584	22 814	1,0	0,1	707	3,2%
Corporate clients	22 107	22 584	22 814	1,0	0,1	707	3,2%
State-owned enterprises	1 614	1 555	192	1,0	0,0	-1 422	-88,1%
Residents	20 493	22 451	22 622	1,1	0,1	2 129	10,4%
Term	25	5	20	0,2	0,0	-5	-20,0%
Individuals	25	5	20	0,2	0,0	-5	-20,0%
residents	25	5	20	0,2	0,0	-5	-20,0%
up to 180 days	20	5	15	0,3	0,0	-5	-25,0%
up to 1 year	5	-	5	0,0	0,0	-	0,0%
Securities issued	251 482	105 485	203 482	0,4	0,3	-48 000	-19,1%
Promissory notes	251 482	105 485	203 482	0,4	0,3	-48 000	-19,1%
on demand	-	57 485	34 714	-	-	34 714	-
up to 30 days	26 264	-	-	0,0	0,0	-26 264	-100,0%
up to 180 days	8 200	-	8 200	0,0	0,0	-	0,0%
more than 180 days	217 018	-	-	0,0	0,0	-217 018	-100,0%
up to 3 years	-	56 450	155 568	-	-	155 568	-
more than 3 years	-	-	5 000	-	-	5 000	-
Other liabilities	16 311	6 836	17 140	0,4	0,0	829	5,1%
Other liabilities	5 374	3 781	4 576	0,7	0,0	-798	-14,8%
Accrued interest not yet paid	8 937	1 667	10 545	0,2	0,0	1 608	18,0%
Liabilities past-due	2 000	2 186	2 019	1,1	0,0	19	1,0%
EQUITY	219 793	116 445	108 353	0,5	0,3	-111 440	-50,7%
Capital	221 266	-	221 266	0,0	0,0	-	0,0%
Current year profit	-1 268	116 419	-112 697	91,8	0,3	-111 429	8 787,8%
Current year retained earnings	-1 268	116 419	-112 697	91,8	0,3	-111 429	8 787,8%
Future expenses	-205	26	-216	0,1	0,0	-11	5,4%
OFF-BALANCE SHEET	58 672	2 468	58 871	0,0	0,0	199	0,3%
Contingent liabilities	-9 021	13	-9 021	0,0	0,0	-	0,0%
Guarantees issued	-7 571	-	-7 571	0,0	0,0	-	0,0%
Unused credit limits opened	-1 450	13	-1 450	0,0	0,0	-	0,0%
Collateral on loans	89 279	700	88 579	0,0	0,0	-700	-0,8%
goods	1 079	700	379	0,6	0,0	-700	-64,9%
securities	88 200	-	88 200	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-21 586	1 755	-20 687	0,1	0,0	899	-4,2%
Accrued interest not yet received	4 079	1 754	4 979	0,4	0,0	900	22,1%
Written-off interest	-10 035	-	-10 035	0,0	0,0	-	0,0%
Written-off loans	-15 630	1	-15 631	0,0	0,0	-1	0,0%
Credit card balances	13	13	-	1,0	0,0	-13	-100,0%
Past due ratio, total	422	-	430	0,0	0,0	8	1,9%
Past due ratio, individuals	1 192	-	1 227	0,0	0,0	35	2,9%
Past due ratio, corporates	136	-	136	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	136	-	136	0,0	0,0	-	0,0%

You can also get acquainted with balance sheet aggregation methodics.