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

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	ELBIN	add to comparison
Central Bank of Russia registration number: 2267

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.	01.03.2018	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	632 356	7 900 651	584 404	12,5	13,5	-47 952	-7,6%
High liquid assets	124 064	5 266 753	133 673	42,5	9,0	9 609	7,7%
Cash and equivalents	93 655	4 544 860	100 942	48,5	7,8	7 287	7,8%
Cash	65 332	1 844 926	74 357	28,2	3,2	9 025	13,8%
in cash and en route	63 199	1 835 411	72 364	29,0	3,1	9 165	14,5%
in ATMs	2 133	9 655	1 993	4,5	0,0	-140	-6,6%
Nostro account with Central Bank	28 323	2 701 672	26 585	95,4	4,6	-1 738	-6,1%
Nostro accounts	26 299	674 659	28 130	25,7	1,2	1 831	7,0%
Residents	26 299	674 659	28 130	25,7	1,2	1 831	7,0%
Money in transfer	22 213	47 234	22 764	2,1	0,1	551	2,5%
Provision for impairment of high-liquid assets	-18 103	60	-18 163	0,0	0,0	-60	0,3%
Interest-earning assets	320 179	1 670 534	248 666	5,2	2,9	-71 513	-22,3%
Dues from banks	95 954	1 640 000	20 954	17,1	2,8	-75 000	-78,2%
Central Bank of Russia	95 000	1 640 000	20 000	17,3	2,8	-75 000	-78,9%
Residents	2 504	-	2 504	0,0	0,0	-	0,0%
up to 30 days	2 504	-	2 504	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-1 550	-	-1 550	0,0	0,0	-	0,0%
Loans to corporate clients	146 007	17 933	152 204	0,1	0,0	6 197	4,2%
residents	160 552	15 509	168 417	0,1	0,0	7 865	4,9%
up to 30 days	2 821	7 509	2 991	2,7	0,0	170	6,0%
up to 1 year	46 800	8 000	54 800	0,2	0,0	8 000	17,1%
up to 3 years	85 600	200	85 400	0,0	0,0	-200	-0,2%
more than 3 years	25 331	105	25 226	0,0	0,0	-105	-0,4%
Past-due	810	810	454	1,0	0,0	-356	-44,0%
residents	810	810	454	1,0	0,0	-356	-44,0%
Provision for impairment of corporate loans	-15 355	3 621	-16 667	0,2	0,0	-1 312	8,5%
residents	-15 355	3 621	-16 667	0,2	0,0	-1 312	8,5%
Loans to private entrepreneurs	17 000	11 407	16 301	0,7	0,0	-699	-4,1%
up to 3 years	14 941	10 113	4 828	0,7	0,0	-10 113	-67,7%
more than 3 years	3 125	10 000	12 750	3,2	0,0	9 625	308,0%
Past-due	6 473	554	5 947	0,1	0,0	-526	-8,1%
Provision for impairment of loans to private entrepreneurs	-7 539	365	-7 224	0,0	0,0	315	-4,2%
Loans to individuals	61 218	7 052	59 207	0,1	0,0	-2 011	-3,3%
Standard	71 605	4 569	68 993	0,1	0,0	-2 612	-3,6%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	1 048	178	895	0,2	0,0	-153	-14,6%
up to 3 years	54 130	4 006	52 056	0,1	0,0	-2 074	-3,8%
more than 3 years	16 427	385	16 042	0,0	0,0	-385	-2,3%
Past-due	49 570	1 730	50 256	0,0	0,0	686	1,4%
Past-due	49 570	1 730	50 256	0,0	0,0	686	1,4%
Provision for impairment of loans to individuals	-59 957	2 177	-60 042	0,0	0,0	-85	0,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	188 113	986 925	202 065	5,2	1,7	13 952	7,4%
Mandatory reserves with Central Bank	3 448	459	2 989	0,1	0,0	-459	-13,3%
Premises and equipment	186 897	1 249	186 533	0,0	0,0	-364	-0,2%
Purchase cost	188 586	885	189 077	0,0	0,0	491	0,3%
Depreciation	-1 689	855	-2 544	0,5	0,0	-855	50,6%
Accrued interest not yet received	-	3 162	7	-	-	7	-
Other assets	36 970	970 384	45 384	26,2	1,7	8 414	22,8%
Provision for impairment of other assets	-39 202	12 494	-32 848	0,3	0,0	6 354	-16,2%
LIABILITIES	304 259	1 925 216	255 302	6,3	3,3	-48 957	-16,1%
On demand	234 440	1 495 554	189 906	6,4	2,6	-44 534	-19,0%
Corporate clients	214 506	1 415 853	173 687	6,6	2,4	-40 819	-19,0%
State-owned enterprises	2 321	1 068	2 481	0,5	0,0	160	6,9%
Residents	210 575	1 330 892	171 173	6,3	2,3	-39 402	-18,7%
Non-residents	1 610	84 053	33	52,2	0,1	-1 577	-98,0%
Individuals	19 934	79 701	16 219	4,0	0,1	-3 715	-18,6%
Residents	19 719	79 518	15 992	4,0	0,1	-3 727	-18,9%
Non-residents	215	195	227	0,9	0,0	12	5,6%
Term	53 040	7 130	46 767	0,1	0,0	-6 273	-11,8%
Individuals	53 040	7 130	46 767	0,1	0,0	-6 273	-11,8%
residents	53 040	7 130	46 767	0,1	0,0	-6 273	-11,8%
up to 1 year	49 165	5 905	43 847	0,1	0,0	-5 318	-10,8%
up to 3 years	3 675	1 225	2 720	0,3	0,0	-955	-26,0%
more than 3 years	200	-	200	0,0	0,0	-	0,0%
Other liabilities	16 779	424 382	18 629	25,3	0,7	1 850	11,0%
Other liabilities	12 361	424 063	14 438	34,3	0,7	2 077	16,8%
Accrued interest not yet paid	3 105	546	2 878	0,2	0,0	-227	-7,3%
Deferred tax liabilities	1 313	-	1 313	0,0	0,0	-	0,0%
EQUITY	328 097	31 089	329 101	0,1	0,1	1 004	0,3%
Capital	334 293	-	334 293	0,0	0,0	-	0,0%
Profit from previous years	14 700	-	14 700	0,0	0,0	-	0,0%
Retained earnings from previous years	14 700	-	14 700	0,0	0,0	-	0,0%
Current year profit	-20 308	30 856	-19 153	1,5	0,1	1 155	-5,7%
Current year retained earnings	-20 308	30 856	-19 153	1,5	0,1	1 155	-5,7%
Future expenses	-588	384	-739	0,7	0,0	-151	25,7%
OFF-BALANCE SHEET	905 355	84 869	960 537	0,1	0,1	55 182	6,1%
Contingent liabilities	-42 018	36 701	-20 656	0,9	0,1	21 362	-50,8%
Guarantees issued	-36 839	21 192	-15 647	0,6	0,0	21 192	-57,5%
Unused credit limits opened	-5 179	15 509	-5 009	3,0	0,0	170	-3,3%
Collateral on loans	597 861	10 580	607 541	0,0	0,0	9 680	1,6%
goods	597 861	10 580	607 541	0,0	0,0	9 680	1,6%
Unprocessed payments	361 144	45 451	385 370	0,1	0,1	24 226	6,7%
Due to lack of funds on client accounts	361 144	45 451	385 370	0,1	0,1	24 226	6,7%
Other off-balance sheet accounts	-11 632	1 817	-11 718	0,2	0,0	-86	0,7%
Accrued interest not yet received	19 108	1 746	19 068	0,1	0,0	-40	-0,2%
Written-off interest	-5 424	53	-5 446	0,0	0,0	-22	0,4%
Written-off loans	-25 316	58	-25 340	0,0	0,0	-24	0,1%
Past due ratio, total	1 851	-	1 818	0,0	0,0	-33	-1,8%
Past due ratio, individuals	4 091	-	4 214	0,0	0,0	123	3,0%
Past due ratio, corporates	50	-	27	0,0	0,0	-23	-46,0%
Past due ratio, entrepreneurs	2 638	-	2 528	0,0	0,0	-110	-4,2%
Past due ratio, corporates + entrepreneurs	392	-	333	0,0	0,0	-59	-15,1%
Risk-weighted assets	844 383	-	844 024	0,0	0,0	-359	-0,0%