Kuap. Ru - Balance sheet with turnover of РУССКИЙ ФИНАНСОВЫЙ АЛЬЯНС, analysis of turnover of bank's accounts

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	RUSSKIY FINANSOVIY ALYANS	add to comparison
Central Bank of Russia registration number: 2035

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.	01.11.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	569 987	1 699 765	558 197	3,0	3,0	-11 790	-2,1%
High liquid assets	193 254	1 181 826	140 899	6,1	2,1	-52 355	-27,1%
Cash and equivalents	193 150	1 181 805	140 807	6,1	2,1	-52 343	-27,1%
Cash	192 545	1 150 026	139 976	6,0	2,1	-52 569	-27,3%
in cash and en route	192 545	1 150 026	139 976	6,0	2,1	-52 569	-27,3%
Nostro account with Central Bank	605	32 005	831	52,9	0,1	226	37,4%
Nostro accounts	104	21	92	0,2	0,0	-12	-11,5%
Residents	104	21	92	0,2	0,0	-12	-11,5%
Interest-earning assets	265 361	210 419	291 759	0,8	0,4	26 398	9,9%
Securities	51 350	83 850	32 500	1,6	0,2	-18 850	-36,7%
Promissory notes	51 350	83 850	32 500	1,6	0,2	-18 850	-36,7%
Corporate	65 000	65 000	65 000	1,0	0,1	-	0,0%
Provision for impairment of promissory notes	-13 650	18 850	-32 500	1,4	0,0	-18 850	138,1%
Loans to corporate clients	195 143	86 790	244 404	0,4	0,2	49 261	25,2%
residents	391 498	86 090	474 138	0,2	0,2	82 640	21,1%
up to 1 year	211 457	28 697	238 104	0,1	0,1	26 647	12,6%
up to 3 years	180 041	57 393	236 034	0,3	0,1	55 993	31,1%
Past-due	2 000	-	2 000	0,0	0,0	-	0,0%
residents	2 000	-	2 000	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-198 355	34 083	-231 734	0,2	0,1	-33 379	16,8%
residents	-198 355	34 083	-231 734	0,2	0,1	-33 379	16,8%
Loans to individuals	18 868	62 638	14 855	3,3	0,1	-4 013	-21,3%
Standard	37 770	53 172	29 678	1,4	0,1	-8 092	-21,4%
up to 1 year	21 596	38	21 558	0,0	0,0	-38	-0,2%
up to 3 years	16 174	53 134	8 120	3,3	0,1	-8 054	-49,8%
Past-due	500	5	505	0,0	0,0	5	1,0%
Past-due	500	5	505	0,0	0,0	5	1,0%
Provision for impairment of loans to individuals	-19 402	13 544	-15 328	0,7	0,0	4 074	-21,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	111 372	348 085	125 539	3,1	0,6	14 167	12,7%
Mandatory reserves with Central Bank	7 386	1 717	5 669	0,2	0,0	-1 717	-23,2%
Premises and equipment	1 061	111 354	1 029	105,0	0,2	-32	-3,0%
Purchase cost	7 022	111 329	7 015	15,9	0,2	-7	-0,1%
Depreciation	-5 961	25	-5 986	0,0	0,0	-25	0,4%
Accrued interest not yet received	-	915	-	-	-	-	-
Factoring	204 542	111 267	137 212	0,5	0,2	-67 330	-32,9%
Other assets	46 469	120 075	117 842	2,6	0,2	71 373	153,6%
Provision for impairment of other assets	-148 086	71 836	-136 213	0,5	0,1	11 873	-8,0%
LIABILITIES	271 006	330 483	305 014	1,2	0,6	34 008	12,5%
Dues to banks	16 488	9 628	16 488	0,6	0,0	-	0,0%
On demand	16 488	1	16 488	0,0	0,0	-	0,0%
Residents	16 475	-	16 475	0,0	0,0	-	0,0%
Non-residents	13	1	13	0,1	0,0	-	0,0%
Other dues to banks	-	9 627	-	-	-	-	-
On demand	107 768	210 707	139 521	2,0	0,4	31 753	29,5%
Corporate clients	107 474	210 707	139 227	2,0	0,4	31 753	29,5%
Residents	107 138	178 954	99 799	1,7	0,3	-7 339	-6,9%
Non-residents	336	39 092	39 428	116,3	0,1	39 092	11 634,5%
Individuals	269	-	269	0,0	0,0	-	0,0%
Residents	269	-	269	0,0	0,0	-	0,0%
Brokerage accounts	25	-	25	0,0	0,0	-	0,0%
Non-residents	25	-	25	0,0	0,0	-	0,0%
Term	118 509	38 500	80 009	0,3	0,1	-38 500	-32,5%
Corporate clients	118 500	38 500	80 000	0,3	0,1	-38 500	-32,5%
Residents	80 000	-	80 000	0,0	0,0	-	0,0%
more than 3 years	80 000	-	80 000	0,0	0,0	-	0,0%
Non-residents	38 500	38 500	-	1,0	0,1	-38 500	-100,0%
up to 3 years	38 500	38 500	-	1,0	0,1	-38 500	-100,0%
Individuals	9	-	9	0,0	0,0	-	0,0%
residents	9	-	9	0,0	0,0	-	0,0%
up to 1 year	9	-	9	0,0	0,0	-	0,0%
Securities issued	2 585	518	2 095	0,2	0,0	-490	-19,0%
Promissory notes	2 585	518	2 095	0,2	0,0	-490	-19,0%
on demand	2 585	518	2 095	0,2	0,0	-490	-19,0%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-	-
Other liabilities	25 656	110 120	66 901	4,3	0,2	41 245	160,8%
Other liabilities	19 761	71 455	23 275	3,6	0,1	3 514	17,8%
Accrued interest not yet paid	77	764	162	9,9	0,0	85	110,4%
Liabilities past-due	-	37 901	37 647	-	-	37 647	-
Deferred tax liabilities	5 818	1	5 817	0,0	0,0	-1	-0,0%
EQUITY	298 981	142 682	253 183	0,5	0,3	-45 798	-15,3%
Capital	149 920	-	149 920	0,0	0,0	-	0,0%
Profit from previous years	158 735	-	158 735	0,0	0,0	-	0,0%
Retained earnings from previous years	158 735	-	158 735	0,0	0,0	-	0,0%
Current year profit	-8 266	142 476	-54 244	17,2	0,3	-45 978	556,2%
Current year retained earnings	-8 266	142 476	-54 244	17,2	0,3	-45 978	556,2%
Future expenses	-1 408	386	-1 228	0,3	0,0	180	-12,8%
OFF-BALANCE SHEET	-832 462	178 924	-734 063	0,2	0,3	98 399	-11,8%
Contingent liabilities	-950 672	124 948	-900 002	0,1	0,2	50 670	-5,3%
Guarantees issued	-950 672	124 948	-900 002	0,1	0,2	50 670	-5,3%
Collateral on loans	-	-	-	-	-	-	-
goods	-	-	-	-	-	-	-
Unprocessed payments	115 783	41 898	157 326	0,4	0,1	41 543	35,9%
Due to lack of funds in bank	-	20 975	20 775	-	-	20 775	-
Due to lack of funds on client accounts	115 783	20 923	136 551	0,2	0,0	20 768	17,9%
Other off-balance sheet accounts	2 427	12 078	8 613	5,0	0,0	6 186	254,9%
Accrued interest not yet received	4 550	12 078	10 736	2,7	0,0	6 186	136,0%
Written-off interest	-777	-	-777	0,0	0,0	-	0,0%
Written-off loans	-1 346	-	-1 346	0,0	0,0	-	0,0%
Past due ratio, total	58	-	49	0,0	0,0	-9	-15,5%
Past due ratio, individuals	131	-	167	0,0	0,0	36	27,5%
Past due ratio, corporates	51	-	42	0,0	0,0	-9	-17,6%
Past due ratio, corporates + entrepreneurs	51	-	42	0,0	0,0	-9	-17,6%
Risk-weighted assets	1 673 328	-	1 613 565	0,0	0,0	-59 763	-3,6%