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

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	BAYKALINVESTBANK	add to comparison
Central Bank of Russia registration number: 1067

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	334 225 793	412 015 342	446 087 531	319 106 190	-15 119 603	-4,5%
High liquid assets	87 688 027	90 843 303	103 582 355	63 214 934	-24 473 093	-27,9%
Cash and equivalents	56 983 373	54 582 066	54 540 682	34 834 777	-22 148 596	-38,9%
Cash	28 508 113	25 654 786	17 426 741	13 878 616	-14 629 497	-51,3%
in cash and en route	10 498 568	9 181 075	11 109 643	9 386 965	-1 111 603	-10,6%
in ATMs	26 434	17 580	33 681	10 682	-15 752	-59,6%
precious metals	17 983 111	16 456 131	6 283 417	4 480 969	-13 502 142	-75,1%
Nostro account with Central Bank	28 475 260	28 927 280	37 113 941	20 956 161	-7 519 099	-26,4%
Nostro accounts	16 991 183	20 194 214	33 540 010	17 536 140	544 957	3,2%
Non-residents	4 007 457	4 635 683	7 735 725	2 727 890	-1 279 567	-31,9%
Residents	12 983 726	15 558 531	25 804 285	14 808 250	1 824 524	14,1%
Money in transfer	13 712 540	16 066 321	15 501 012	10 843 285	-2 869 255	-20,9%
Provision for impairment of high-liquid assets	931	702	651	732	-199	-21,4%
Interest-earning assets	5 681 184	3 980 011	10 904 658	5 992 792	311 608	5,5%
Dues from banks	2 905 014	850 150	7 495 408	4 291 382	1 386 368	47,7%
Central Bank of Russia	1 200 000	350 000	2 610 000	1 541 240	341 240	28,4%
Residents	1 704 980	500 000	4 885 346	2 750 017	1 045 037	61,3%
up to 30 days	1 704 980	500 000	4 885 346	2 750 017	1 045 037	61,3%
Non-residents	34	144	62	125	91	267,6%
up to 30 days	34	144	62	125	91	267,6%
Provision for impairment of loans to banks	-	6	-	-	-	-
Securities	37 084	132 138	148 529	8 548	-28 536	-76,9%
Bonds	37 084	132 138	148 529	8 548	-28 536	-76,9%
Federal Loan Bonds (OFZs), OBRs	4 797	64 334	85 424	3 384	-1 413	-29,5%
Corporate bonds	29 706	4 282	4 412	4 386	-25 320	-85,2%
Financial institutions bonds	476	459	473	472	-4	-0,8%
Valuation allowance	2 105	3 352	58 220	306	-1 799	-85,5%
Pledged under REPO	-	59 711	-	-	-	-
Loans to corporate clients	2 010 460	2 301 119	2 445 065	1 361 739	-648 721	-32,3%
residents	1 586 802	1 215 768	1 600 000	899 078	-687 724	-43,3%
up to 30 days	232 436	241 427	314 062	171 813	-60 623	-26,1%
up to 180 days	739 324	646 133	274 727	307 161	-432 163	-58,5%
up to 1 year	255 841	258 656	827 617	351 121	95 280	37,2%
up to 3 years	113 490	63 259	178 368	68 983	-44 507	-39,2%
more than 3 years	245 711	6 293	5 226	-	-245 711	-100,0%
non-residents	2 026	8 503	3 684	7 393	5 367	264,9%
up to 30 days	2 026	8 503	3 684	7 393	5 367	264,9%
Past-due	42 354	96 642	106 627	65 272	22 918	54,1%
residents	42 354	96 642	106 627	65 270	22 916	54,1%
state-owned enterprises	-	-	-	2	2	-
Provision for impairment of corporate loans	379 278	980 206	734 754	389 996	10 718	2,8%
residents	379 266	980 196	734 714	389 986	10 720	2,8%
non-residents	4	2	4	2	-2	-50,0%
state-owned enterprises	8	8	36	8	-	0,0%
Loans to private entrepreneurs	49 901	121 159	168 882	32 190	-17 711	-35,5%
up to 180 days	7 340	6 000	340	-	-7 340	-100,0%
up to 1 year	-	370	-	-	-	-
up to 3 years	-	13 134	-	-	-	-
more than 3 years	28 075	10 271	5 820	6 674	-21 401	-76,2%
Past-due	4 299	3 597	4 285	6 589	2 290	53,3%
Provision for impairment of loans to private entrepreneurs	10 187	87 787	158 437	18 927	8 740	85,8%
Loans to individuals	678 725	575 445	646 774	298 933	-379 792	-56,0%
Standard	213 012	153 409	205 756	84 906	-128 106	-60,1%
up to 30 days	1 975	2 030	1 918	4 390	2 415	122,3%
up to 1 year	1 505	4 356	-	1 156	-349	-23,2%
up to 3 years	31 023	27 672	57 675	15 526	-15 497	-50,0%
more than 3 years	178 509	119 351	146 163	63 834	-114 675	-64,2%
Past-due	114 544	45 690	47 468	42 029	-72 515	-63,3%
Past-due	114 544	45 690	47 468	42 029	-72 515	-63,3%
Provision for impairment of loans to individuals	351 169	376 346	393 550	171 998	-179 171	-51,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	240 856 582	317 192 028	331 600 518	249 898 464	9 041 882	3,8%
Mandatory reserves with Central Bank	400	-	-	1 109	709	177,3%
Premises and equipment	16 892 608	18 797 833	8 810 912	5 826 310	-11 066 298	-65,5%
Purchase cost	16 886 869	18 795 185	8 810 912	5 825 930	-11 060 939	-65,5%
Depreciation	5 739	2 648	-	380	-5 359	-93,4%
Accrued interest not yet received	221 187	160 445	220 914	226 163	4 976	2,2%
Other assets	222 952 119	297 554 232	321 852 186	243 153 910	20 201 791	9,1%
Provision for impairment of other assets	691 222	556 525	655 421	414 695	-276 527	-40,0%
Derivatives - assets	99 046	122 993	61 085	276 277	177 231	178,9%
LIABILITIES	246 450 316	316 346 958	328 689 999	239 671 295	-6 779 021	-2,8%
Dues to banks	869 022	126 283	81 062	154	-868 868	-100,0%
On demand	215 752	-	-	-	-215 752	-100,0%
Residents	215 752	-	-	-	-215 752	-100,0%
Term	1	50 244	1	1	-	0,0%
Residents	1	50 244	1	1	-	0,0%
up to 30 days	-	50 243	-	-	-	-
Past-due	1	1	1	1	-	0,0%
Other dues to banks	653 269	76 039	81 061	153	-653 116	-100,0%
On demand	40 368 664	43 054 464	46 671 820	24 354 511	-16 014 153	-39,7%
Corporate clients	38 088 340	40 289 627	44 563 244	23 121 102	-14 967 238	-39,3%
State-owned enterprises	30 409	35 849	38 507	27 398	-3 011	-9,9%
Residents	38 038 077	40 240 210	44 512 627	23 085 482	-14 952 595	-39,3%
Non-residents	19 854	13 568	12 110	8 222	-11 632	-58,6%
Individuals	2 280 324	2 764 837	2 108 576	1 233 409	-1 046 915	-45,9%
Residents	2 257 595	2 748 130	2 099 883	1 225 226	-1 032 369	-45,7%
Non-residents	22 729	16 707	8 693	8 183	-14 546	-64,0%
Brokerage accounts	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	7 044 907	7 935 751	5 553 890	6 852 168	-192 739	-2,7%
Corporate clients	6 513 096	7 305 743	4 859 987	6 179 052	-334 044	-5,1%
Residents	6 496 696	7 289 943	4 840 287	6 164 052	-332 644	-5,1%
up to 30 days	2 091 413	1 676 060	850 690	3 272 633	1 181 220	56,5%
up to 180 days	67 450	38 725	148 373	195 567	128 117	189,9%
up to 1 year	3 502 221	3 716 409	2 159 214	1 200 042	-2 302 179	-65,7%
up to 3 years	826 113	1 853 552	1 673 203	1 490 404	664 291	80,4%
more than 3 years	9 499	5 197	8 807	5 406	-4 093	-43,1%
State-owned enterprises	16 400	15 800	19 700	15 000	-1 400	-8,5%
up to 30 days	16 400	15 800	19 700	15 000	-1 400	-8,5%
Individuals	531 811	630 008	693 903	673 116	141 305	26,6%
residents	527 961	627 591	691 424	670 684	142 723	27,0%
up to 30 days	-	-	3 500	7 818	7 818	-
up to 180 days	18 288	35 781	34 581	21 906	3 618	19,8%
up to 1 year	44 132	62 889	59 362	21 556	-22 576	-51,2%
up to 3 years	464 766	525 511	592 965	618 978	154 212	33,2%
more than 3 years	775	3 410	1 016	426	-349	-45,0%
non-residents	3 850	2 417	2 479	2 432	-1 418	-36,8%
up to 180 days	-	174	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	3 850	2 243	2 479	2 432	-1 418	-36,8%
Securities issued	261 118	604 716	-	226 000	-35 118	-13,4%
Promissory notes	261 118	604 716	-	226 000	-35 118	-13,4%
on demand	1 050	17 253	-	191 000	189 950	18 090,5%
up to 180 days	-	191 000	-	35 000	35 000	-
up to 1 year	260 068	-	-	-	-260 068	-100,0%
up to 3 years	-	396 463	-	-	-	-
Other liabilities	197 906 605	264 625 744	276 383 227	208 238 462	10 331 857	5,2%
Other liabilities	197 751 963	264 412 029	276 263 835	207 899 463	10 147 500	5,1%
Accrued interest not yet paid	61 992	115 093	62 096	120 111	58 119	93,8%
Derivatives - liabilities	92 650	98 622	57 296	218 888	126 238	136,3%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	3 252 138	4 899 760	3 472 085	71 560 532	68 308 394	2 100,4%
Capital	-	300 874	203	-	-	-
Profit from previous years	-	300 874	-	34 086 717	34 086 717	-
Retained earnings from previous years	-	300 874	-	34 086 717	34 086 717	-
Current year profit	3 252 138	4 298 012	3 471 882	37 473 815	34 221 677	1 052,3%
Current year retained earnings	3 252 138	4 298 012	3 471 882	37 473 815	34 221 677	1 052,3%
OFF-BALANCE SHEET	4 640 149	10 545 287	5 442 307	5 021 162	381 013	8,2%
Contingent liabilities	3 380 248	2 650 995	2 836 214	4 086 601	706 353	20,9%
Guarantees issued	1 593 485	1 379 726	656 506	3 232 573	1 639 088	102,9%
Unused credit limits opened	1 786 763	1 271 269	2 179 708	854 028	-932 735	-52,2%
Unused guarantee limits	-	-	-	-	-	-
Collateral on loans	1 168 061	7 785 134	2 392 513	659 483	-508 578	-43,5%
goods	867 686	7 388 672	2 359 425	419 459	-448 227	-51,7%
securities	300 375	396 462	33 088	191 000	-109 375	-36,4%
precious metals	-	-	-	49 024	49 024	-
Unprocessed payments	80 938	109 158	196 159	275 078	194 140	239,9%
Due to lack of funds on client accounts	80 938	109 158	196 159	275 078	194 140	239,9%
Other off-balance sheet accounts	10 902	-	17 421	-	-10 902	-100,0%
Written-off interest	1 118	-	3 053	-	-1 118	-100,0%
Written-off loans	9 784	-	14 368	-	-9 784	-100,0%
Credit card balances	1 975	2 030	1 918	4 390	2 415	122,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-