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

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	RUSFINANS BANK	add to comparison
Central Bank of Russia registration number: 1792 retail lending, car loans, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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.	01.02.2021	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	147 591 156	130 100 099	147 157 984	0,9	0,9	-433 172	-0,3%
High liquid assets	10 937 568	93 949 953	10 015 589	8,6	0,6	-921 979	-8,4%
Cash and equivalents	163 120	36 025 433	143 130	220,9	0,2	-19 990	-12,3%
Nostro account with Central Bank	163 120	36 025 433	143 130	220,9	0,2	-19 990	-12,3%
Nostro accounts	10 774 448	23 859 520	9 872 459	2,2	0,2	-901 989	-8,4%
Residents	10 774 448	23 859 520	9 872 459	2,2	0,2	-901 989	-8,4%
Money in transfer	-	34 065 000	-	-	-	-	-
Interest-earning assets	119 072 051	10 224 244	118 243 631	0,1	0,1	-828 420	-0,7%
Loans to corporate clients	173 061	401 725	167 865	2,3	0,0	-5 196	-3,0%
residents	179 613	400 659	171 147	2,2	0,0	-8 466	-4,7%
up to 180 days	166 792	380 214	164 335	2,3	0,0	-2 457	-1,5%
up to 1 year	12 788	20 445	6 779	1,6	0,0	-6 009	-47,0%
up to 3 years	30	-	30	0,0	0,0	-	0,0%
more than 3 years	3	-	3	0,0	0,0	-	0,0%
Past-due	10 527	35	10 529	0,0	0,0	2	0,0%
residents	10 527	35	10 529	0,0	0,0	2	0,0%
Provision for impairment of corporate loans	-17 079	4 285	-13 811	0,3	0,0	3 268	-19,1%
residents	-17 079	4 285	-13 811	0,3	0,0	3 268	-19,1%
Loans to private entrepreneurs	-	89	-	-	-	-	-
up to 3 years	375	65	416	0,2	0,0	41	10,9%
Provision for impairment of loans to private entrepreneurs	-375	65	-416	0,2	0,0	-41	10,9%
Loans to individuals	118 898 990	9 822 430	118 075 766	0,1	0,1	-823 224	-0,7%
Standard	121 696 015	8 645 729	120 846 595	0,1	0,1	-849 420	-0,7%
up to 1 year	212 448	39 976	211 859	0,2	0,0	-589	-0,3%
up to 3 years	23 376 099	3 014 241	21 474 956	0,1	0,0	-1 901 143	-8,1%
more than 3 years	98 107 468	6 643 824	99 159 780	0,1	0,0	1 052 312	1,1%
Past-due	5 097 754	495 677	5 108 813	0,1	0,0	11 059	0,2%
Past-due	5 097 754	495 677	5 108 813	0,1	0,0	11 059	0,2%
Provision for impairment of loans to individuals	-7 894 779	707 236	-7 879 642	0,1	0,0	15 137	-0,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	17 581 537	26 443 579	18 898 764	1,5	0,2	1 317 227	7,5%
Mandatory reserves with Central Bank	33 367	1 626	31 741	0,0	0,0	-1 626	-4,9%
Premises and equipment	1 021 983	12 051 321	1 122 237	11,8	0,1	100 254	9,8%
Purchase cost	2 374 470	12 024 978	2 471 883	5,1	0,1	97 413	4,1%
Depreciation	-1 352 487	26 343	-1 349 646	0,0	0,0	2 841	-0,2%
Accrued interest not yet received	644 652	745 491	702 551	1,2	0,0	57 899	9,0%
Factoring	-	-	-	-	-	-	-
Other assets	15 301 900	13 517 651	16 461 615	0,9	0,1	1 159 715	7,6%
Provision for impairment of other assets	-354 615	129 116	-353 630	0,4	0,0	985	-0,3%
Deferred tax asset	934 250	-	934 250	0,0	0,0	-	0,0%
LIABILITIES	124 511 483	52 477 239	124 394 346	0,4	0,4	-117 137	-0,1%
Dues to banks	114 820 003	5 673 319	114 620 000	0,0	0,0	-200 003	-0,2%
Term	114 820 000	3 200 000	114 620 000	0,0	0,0	-200 000	-0,2%
Residents	114 820 000	3 200 000	114 620 000	0,0	0,0	-200 000	-0,2%
up to 180 days	1 400 000	-	1 400 000	0,0	0,0	-	0,0%
more than 180 days	113 420 000	3 200 000	113 220 000	0,0	0,0	-200 000	-0,2%
Other dues to banks	3	2 473 319	-	824 439,7	0,0	-3	-100,0%
On demand	2 739 389	28 274 049	2 736 893	10,3	0,2	-2 496	-0,1%
Corporate clients	104 800	11 566 774	92 577	110,4	0,1	-12 223	-11,7%
Residents	104 800	11 566 774	92 577	110,4	0,1	-12 223	-11,7%
Individuals	2 634 589	16 717 002	2 644 316	6,3	0,1	9 727	0,4%
Residents	2 634 589	16 717 002	2 644 316	6,3	0,1	9 727	0,4%
Term	151 666	4 666	148 988	0,0	0,0	-2 678	-1,8%
Corporate clients	151 666	4 666	148 988	0,0	0,0	-2 678	-1,8%
Residents	151 666	4 666	148 988	0,0	0,0	-2 678	-1,8%
up to 180 days	4 666	4 666	-	1,0	0,0	-4 666	-100,0%
up to 1 year	-	1 988	1 988	-	-	1 988	-
more than 3 years	147 000	-	147 000	0,0	0,0	-	0,0%
Other liabilities	6 800 425	18 613 245	6 888 465	2,7	0,1	88 040	1,3%
Other liabilities	830 211	18 130 574	659 772	21,8	0,1	-170 439	-20,5%
Accrued interest not yet paid	4 700 380	653 110	4 958 859	0,1	0,0	258 479	5,5%
Deferred tax liabilities	1 269 834	-	1 269 834	0,0	0,0	-	0,0%
EQUITY	23 079 673	77 358 267	22 763 638	3,4	0,5	-316 035	-1,4%
Capital	15 653 968	-	15 653 968	0,0	0,0	-	0,0%
Profit from previous years	7 045 418	71 063 290	7 109 670	10,1	0,5	64 252	0,9%
Retained earnings from previous years	7 045 418	71 063 290	7 109 670	10,1	0,5	64 252	0,9%
Current year profit	380 287	6 359 229	-	16,7	0,0	-380 287	-100,0%
Current year retained earnings	380 287	6 359 229	-	16,7	0,0	-380 287	-100,0%
OFF-BALANCE SHEET	255 983 970	34 149 314	258 013 517	0,1	0,2	2 029 547	0,8%
Unused credit limits available	198 316	8 374	192 974	0,0	0,0	-5 342	-2,7%
Contingent liabilities	-2 867 335	11 403 682	-3 146 925	4,0	0,1	-279 590	9,8%
Unused credit limits opened	-2 867 335	11 403 682	-3 146 925	4,0	0,1	-279 590	9,8%
Collateral on loans	260 616 717	22 515 761	262 725 370	0,1	0,2	2 108 653	0,8%
goods	260 616 717	22 515 761	262 725 370	0,1	0,2	2 108 653	0,8%
Unprocessed payments	16 287	-	16 287	0,0	0,0	-	0,0%
Due to lack of funds on client accounts	16 287	-	16 287	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-1 980 015	221 497	-1 774 189	0,1	0,0	205 826	-10,4%
Written-off interest	-607 892	32 082	-577 995	0,1	0,0	29 897	-4,9%
Written-off loans	-1 372 123	189 415	-1 196 194	0,1	0,0	175 929	-12,8%
Past due ratio, total	402	-	406	0,0	0,0	4	1,0%
Past due ratio, individuals	402	-	406	0,0	0,0	4	1,0%
Past due ratio, corporates	554	-	580	0,0	0,0	26	4,7%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	553	-	578	0,0	0,0	25	4,5%
Risk-weighted assets	154 051 012	-	154 292 511	0,0	0,0	241 499	0,2%